Six great men

Six great men stand on the wrong side of a building in tirupathi. 

Who are they?

• Plato, Socrates,
• Galileo,
• Newton, 
• and Einstein

British history

Want to know middle age british history, and about king henry, protestantism, francis drake, potatos, bloody mary, queen elizabeth, maps, sailing, shakespeare, scotland, great fire, great plague, onion jack flag, sailing, queen elizabeth, king james, great britain, king charles, oliver cromwell, civil war, cathedral, witchhunt, hopkins method, newton, gravity, american independence, lord nelson, napoleon, queen victoria, wars etc. from a comedy show? 

Watch https://youtu.be/KqcOR6x8PTo

Idli story

We have seen the water in the kettle boil. George Stephenson saw this and went on to invent the steam engine which changed everything. An Indian saw the same thing and invented the 'idli,' presumably the greater invention. :)

https://www.millenniumpost.in/opinion/an-existential-quest-498467

How to argue like a leader does?

 We see people looking for and attacking the weakest statement from the opposition whether it is office or politics. That appears like a temporary win and gets applause from already existing supporters. You never gain more than you already have. However when you counter the strongest point and optionally even helping your opponent to phrase it properly and asking clarification questions before attacking is the real victory. It gets you some supporters of the opposite camp as their assumptions are shaken. Cheap shot vs. leadership.

https://youtu.be/_WjUFuW2J0A

Culture is myth. Layoffs are reality.

When things are going good and as expected, companies broach culture and are compassionate towards their workers. When the bottomline is in trouble on the balance sheet, people become statistics on payroll. I sympathize with so many layoffs going on and who become microbody in an ecosystem.. No one is evil. Everyone is rational. Truth is absolute. Here are few stories. There are many on social networks. Story one Story two/ Third story

Additional overtime pay for farm work with AB 1066

 Here is good intended legislation that is both beneficial and punishing for some farm workers.

Agriculture workers are typically paid less despite they work overtime. California bill 1066 is gradually bringing them under regular labor laws. They will gradually receive overtime pay on the same basis as workers in most other industries.

It has time table from 2019 to 2025 with phased launches with overtime payment. It started with treating 9.5 hours as business hours with eventual target of 8 hours per day. If some one works for more than 8 hours a day or more than 40 hours a week, they will be paid one and half times the regular wage. After twelve hours workday, the wages are doubled. It completed for farms with more than 26 or more farm workers. It is yet to complete for small famrs employing 25 or less people.

The bill however made farmers to make some changes in their practices. Some farmers limited their business time to regular forty hours a week instead of completing the work in fewer weeks. Some hired more people to complete the work. Their wages are already low enough and some workers are forced to look for side gig because of loss of salary.

The bill is historic and the California became the first state in nation that made farm workers like regular workers. Other states followed it and legislated similarly.

References and sources

• B1066 
• Northbay Business Journal
• Providence Journal
• Baltimore Sun

Credit score factors

 35% Payment History

 30% Amounts Owed
 15% Length of Credit
 10% New Credit
 10% Credit Mix

Credit Mix

Creditors want to know how you can responsibly manage a mix of credit types. That's why the credit mix makes up about 10% of the FICO score. 

The score considers the types of credit being used and reported such as installment loans and revolving accounts and the number and types of credit accounts reported on the credit report. This has a relatively low impact on score, but it will be more important if the credit report doesn’t include much information.

Length of Credit

In general, the longer the credit history, the better. How long the accounts have been opened determines the length of credit history, which typically makes up 15% of the FICO Score.

The score also considers the age of the oldest credit account, how long credit accounts have been open, the age of the newest credit account and the average age of all credit accounts.

Inquiries

Lenders do a hard inquiry when one applies for a new credit card or loan. These inquiries are a good indicator of credit seeking activity, which makes up about 10% of the FICO Score.

In general, one does n't want too much credit seeking activity or inquiries in a short period of time. The score considers the amount of new credit, including how many new accounts were recently opened, and number of recent inquiries. Opening several new credit accounts in a short period of time indicates greater credit risk.

Revolving Utilization

Revolving utilization is one indicator of how much one owes on all accounts. The amount one owes lenders is one of the most important factors that impacts thr credit and makes up about 30% of the FICO Score.

The revolving utilization is determined by the total balance owed on revolving accounts and the total credit limit.

Scores consider how much of the available credit one is using and how much one owes on specific accounts. This has a high impact on the credit score.

Missed payments

Consistently paying creditors on time is the most important factor. That's why the payment history makes up about 35% of the FICO Score.

The score considers the number of accounts with missed payments over the last 7 years, amounts owed on delinquent accounts, collections and negative public record information.

The score looks at the payment history to see how one has paid bills in the past whether that's on time or missed. This has the highest impact on the credit score.