Online data entry jobs

Tuesday, September 7, 2010

Make Money with Online Home Writer

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Monday, September 6, 2010

Make Money By Making Beats!

The premier online marketing guide for music producers and beatmakers!


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Make Money Online

Work At Home Mastermind Profitable Strategies To Making Money Online. The Guide To Creating Your Online Empire Now!


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Make Money Online

Work At Home Mastermind Profitable Strategies To Making Money Online. The Guide To Creating Your Online Empire Now!


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Make Money Online By Affiliating The Internet Marketing SuperClass

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Online Money Pack

Online Money Pack is a great collection of money making products offered by 75digital.com. This pack is for both newbies and experts.


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Sunday, September 5, 2010

DomainGraduate - Make money online buying Domains

Expert Sean Stafford shows the average Joe a step by step plan to making 6 figures a year of passive income by simply understanding the domain market and investing in undervalued domain real estate


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Blackjackincome Guide - How to make money playing Blackjack online

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1,000 Ways to Make Money

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Saturday, September 4, 2010

The Newbie Blueprint - Make Money Online With No Money!

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You Can Make Money Writing

A guide to making money online with simple articles that almost anyone can write. This is how I generate traffic to my websites, resulting in thousands of dollars per month. I outline the process in detail in this ebook.


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The Secret To Making Money Online

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Friday, September 3, 2010

Honest Riches-Make Money Online the Honest Way

Most Sought-After Work at Home Guide, written by Holly Mann - single mom, disabled veteran. No Hype - Honest Legit techniques taught in a step-by-step guide. Also have access to 24/7 support forum. Sick of the scams? Learn to work at home for real.


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Make fast cash online

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The Best Marketing e-Book to Make Money Online

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eRiches.org - The Step by Step Guide to Making Money Online

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Affiliate Kung Fu! Making Money Online Can't Get Easier Than This!

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How To Make Lots Of Money Online - Secrets Revealed

You can make lots of money online every day whilst sitting back and doing very little work. Download our eBook to discover how you can make Big money online - even if you have no Internet business experience at all.


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Thursday, September 2, 2010

How To Make Money In Today's Economy

How To Make Money In Today's EconomySome ideas of how to make money in today's economy whether at home or online for beginners. These times call for creativity and resourcefulness to make ends meet. It also calls for a certain mindset to make money in today's economy. You must see the glass half full and not be blinded by greed or self absorption in order to recognize the amazing opportunities that exist especially in a recession.

This product is manufactured on demand using CD-R recordable media. Amazon.com's standard return policy will apply.

Price: $15.00


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The Six-Figure Second Income: How To Start and Grow A Successful Online Business Without Quitting Your Day Job

The Six-Figure Second Income: How To Start and Grow A Successful Online Business Without Quitting Your Day JobProven methods for building an online income stream

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In the course of building an eight-figure real estate information marketing business, David Lindahl and Jonathan Rozek tested dozens of tools and techniques. This book is centered around principles they derived from all the tests they ran, tools they used, and money they spent.

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Saturday, June 12, 2010

How to make money online

There a few resources here that could make you a lot of money. Check it out...

Wednesday, February 10, 2010

How To Reduce High Blood Pressure Naturally ?

High blood pressure contributes to an alarming number of deaths each year. Although it may not have apparent symptoms, high blood pressure leads to heart attacks and strokes aside from also causing kidney failure. You can reduce your blood pressure by reducing your weight (if you’re obese) and making a few small changes in your life.

• Walk it out — Walking at a brisk pace can help lower your pressure. A good workout will ensure the heart uses oxygen more efficiently. Getting a rigorous cardio workout 4 to 5 times a week can make a huge difference. Start by incorporating about 15 minutes of exercise in your daily routine and slowly increase the time and difficulty level.

walking

• Deep Breathing — Learning some slow breathing and meditation techniques can do you wonders. It will help reduce stress drastically and keep your blood pressure in check. Try taking out 10 minutes every morning and at night. Inhale and exhale deeply. If you can, join a yoga class for some time so that you can learn the proper method.

Yoga

• Go for potassium-rich foods — You have probably heard of the negative effects of sodium on the body and potassium is an essential mineral to counter the effects of sodium on blood pressure. Fruits and vegetables are rich in potassium. Try adding sweet potatoes, tomatoes, orange juice, potatoes, bananas, peas, and prunes and raisins to your regular diet.

• Go slow on the salt — Whether you have a family history of high blood pressure or not, reducing your intake of salt can make a huge difference to your health. Before adding that extra pinch of salt to your food, think if you really need it. Try substituting salt with lime, garlic, pepper or other herbs and spices. Go slow on processed and packaged foods. Potato chips, frozen chicken nuggets, bacon etc are high in sodium. Try calculating your daily sodium consumption. Keep a food diary and you may be surprised at how much you're taking in.

• Dark chocolate benefits — The darker variety of chocolate has flavonols that make blood vessels more elastic. Choose one that has at least 70 per cent cocoa to really reap the benefits.

• Alcohol alert — While it does provide some health benefits, alcohol can also be bad for your health. If consumed in small amounts, it can help preventheart attacks and coronary artery disease. But, more than one or two drinks and the benefits are gone. Keep a check on your drinking patterns and if you're a heavy drinker, start reducing slowly. Never indulge in binge drinking. Consuming four or five drinks in a row can cause a sudden increase in blood pressure.

• Tea benefits — Herbal teas are the way to go. In a study conducted, those who sipped on hibiscus tea daily
lowered their blood pressure. Many herbal teas contain hibiscus or you can always opt for green tea. The effects of caffeine are still debatable. Drinking caffeinated beverages can temporarily increase pressure. The solution is to check your pressure within 30 minutes of drinking a cup of coffee to determine if it works for your body.

• Reduce work and relax — Reducing the number of hours you spend in office can help lower hypertension. Working overtime makes it hard to exercise and eat healthy. Ensure that you get out of office at a decent hour. Learning to relax by listening to soothing music (Classical, Oriental or Indian instrumental) can help.

Saturday, February 6, 2010

Dating tips for shy guys!

Confidence is a very attractive attribute. In fact, most women say that they are drawn to men that project confidence and self-assurance. If you are a shy guy, you are going to have to learn how to project a confident image to the ladies.
For one, eye contact is a must. When you meet a woman, you should look her dead in the eyes and smile. If you are looking down at your shoes or around the room, you will come across as being very uneasy and uncomfortable.
Secondly, you should project your voice and speak in an audible and clear manner. If you approach a woman and you speak so softly that she has to have you repeat yourself three times, she is not going to be impressed. You will seem meek and timid. Also, don’t cross your arms when you are talking to a woman because this mannerism will make it seem like you are trying to keep yourself closed off from others.
Regardless of the inner turmoil that you may be feeling and the butterflies and knots that are dancing around in your stomach, your outward behaviors have to be calculated to project confidence. Practice your introductions in the mirror, and make a conscious effort to keep your head up and your shoulders back. Body language speaks volumes. It may take a while to get the hang of the confident new you, but with practice, anyone can master the art of confident body language.

Sometimes shy men have the tendency to nervously ramble on about themselves, neglecting to take any interest in their dates. It isn’t that shy guys are rude and insensitive; it’s just that they aren’t sure how to handle themselves under pressure. Unfortunately, if you ramble on about yourself, your date is going to think that you are a self-centered egomaniac.
Always be prepared. If you have an array of possible questions prepared for your date, then you will be able to turn to one of those questions if you are nervously fumbling for conversation.
- Ask your date about her first job.
- Ask her about her family.
- Ask her about her pets, if she has any.
- Ask her if she has done much traveling, or if she wants to travel.
- Ask her about her hobbies and special interests.
She will be flattered and impressed that you are taking such an active interest in her. Plus, these questions often lead to long conversations and trips down memory lane. The more prepared you are, the less nervous and shy you will appear to your date.

If you are constantly thinking negative thoughts, then you are going to be projecting that negativity onto your dates. The power of positive thinking is incredible. If you are your own worst enemy, then it is no wonder that you are so shy. You aren’t happy with yourself, so you can’t imagine why anyone else would be happy with you.
The truth is that you need to revamp your attitude towards yourself in order to overcome your hurdle of shyness. Every time you have a self-defeating thought, question it. For example, if you find yourself saying, “I am a never going to be able to approach that woman because she is going to think I am an ugly loser,” you should reject that thought and deliberately think in the opposite way. Say to yourself: “I am going to approach that woman because I know that I am worth talking to.” If you consistently monitor your negative thoughts and replace them with positive ones, then over time, you will notice that your attitudes start to shift to more positive ones overall.

The better you look, the better you will feel. A shy man who feels that he is looking good will be far more outgoing than a shy man who thinks he looks like crap. You need to set yourself up for success by dressing to impress. Shy men have a tendency to wear clothes that hide them, such as baseball hats, baggy sweatshirts and loose-fitting apparel. It’s time to come out of hiding! If you are going out on a date, and you are going to be at a somewhat nice restaurant, you should wear a nicely fitted pair of black pants or khakis, a button-down collared shirt, and a tie. Also, make sure that you are clean-shaven (unless you have purposeful facial hair, not just a five o’clock shadow), and make sure that your shoes are shined. If you look the part, you will be much more apt to act the part.

Please save the Tiger in India

According to sources, India had an estimated 40,000 tigers in the wild. In 2002, based on pug mark census, this number was 3,642. As per the monitoring exercise by Wildlife Institute of India in association with National Tiger Conservation Authority (NTCA), Government of India using camera traps, in 2008 we were left with only 1,411 tigers. This number is so small that they will be gone soon if we don’t wake up to the crisis.

WWF-India aims for a strategic and focused approach in its tiger conservation efforts. Our goal is to restore, maintain and protect tigers as well as their habitat and prey base in important tiger landscapes in India.

The objectives are to:

· Protect, restore corridors to ensure connectivity between tiger habitats while ensuring that human-tiger conflicts are reduced.

· Reduce pressures on the tiger habitats by promoting alternative livelihoods for local communities in and around tiger habitats.

· Create incentives for local communities as well as state and regional government and opinion-makers to support tiger conservation.

· Enhance capacities of the Forest Department to control poaching of tigers and prey species.

· Provide policy inputs at state and central levels to ensure effective measures for conservation of tigers and their habitats.

· Promote the political will as well as popular support within all sectors of society for tiger conservation.

What you can do to save the tiger?

The tiger is not just a charismatic species. It’s not just a wild animal living in some forest either. The tiger is a unique animal which plays a pivotal role in the health and diversity of an ecosystem. It is a top predator and is at the apex of the food chain and keeps the population of wild ungulates in check, thereby maintaining the balance between prey herbivores and the vegetation upon which they feed. Therefore the presence of tigers in the forest is an indicator of the well being of the ecosystem. The extinction of this top predator is an indication that its ecosystem is not sufficiently protected, and neither would it exist for long thereafter.

If the tigers go extinct, the entire system would collapse. For e.g. when the Dodos went extinct in Mauritius, one species of Acacia tree stopped regenerating completely. So when a species goes extinct, it leaves behind a scar, which affects the entire ecosystem. Another reason why we need to savethe tiger is that our forests are water catchment areas.

When we protect one tiger, we protect about a 100 sq. km of area and thus save other species living in its habitat. Therefore, it’s not just about saving a beautiful animal. It is about making sure that we live a little longer as the forests are known to provide ecological services like clean air, water, pollination, temperature regulation etc. This way, our planet can still be home to our children.

Spread the word: Go out loud and tell others that tigers are dying and that they need our help. You can form forums (or join existing ones) on the web for discussions and exchange views on tigerconservation. Reach school going children. WWF can help you in this regard.

Be a responsible tourist: The wilderness is to be experienced and not to be disturbed and polluted. Follow the forest department guidelines when visiting any wilderness area, tiger reserve in particular. As the saying goes ‘Don’t leave anything behind except foot steps, and don’t take anything except memories.’

Write to the policy makers: If you are really concerned and feel that more needs to be done for tiger conservation, then write polite letters to the decision makers - the Prime Minister, the Minister for Environment and Forests or even your local MP.

Informing the nearest police station: If you know of any information on poaching or trade of illegal wildlife. You can also contact TRAFFIC - an organisation fighting the powerful poachers and pass on the information to them.

Reducing pressure on natural resources: By reducing the use of products derived from forests, such as timber and paper.

Monday, February 1, 2010

Some useful computer acronyms

It is so useful to know some of these computer acronyms. There are so many you wonder how to use them. Still, here are a few. Keep them noted on a Notepad or something on your hard disc...



ADSL - Asymmetric Digital Subscriber Line
AGP - Accelerated Graphics Port
ALI - Acer Labs, Incorporated
ALU - Arithmetic Logic Unit
AMD - Advanced Micro Devices
APC - American Power Conversion
ASCII - American Standard Code for Information Interchange
ASIC - Application Specific Integrated Circuit
ASPI - Advanced SCSI Programming Interface
AT - Advanced Technology
ATI - ATI Technologies Inc.
ATX - Advanced Technology Extended

--- B ---
BFG - BFG Technologies
BIOS - Basic Input Output System
BNC - Barrel Nut Connector

--- C ---
CAS - Column Address Signal
CD - Compact Disk
CDR - Compact Disk Recorder
CDRW - Compact Disk Re-Writer
CD-ROM - Compact Disk - Read Only Memory
CFM - Cubic Feet per Minute (ft�/min)
CMOS - Complementary Metal Oxide Semiconductor
CPU - Central Processing Unit
CTX - CTX Technology Corporation (Commited to Excellence)

--- D ---

DDR - Double Data Rate
DDR-SDRAM - Double Data Rate - Synchronous Dynamic Random Access Memory
DFI - DFI Inc. (Design for Innovation)
DIMM - Dual Inline Memory Module
DRAM - Dynamic Random Access Memory
DPI - Dots Per Inch
DSL - See ASDL
DVD - Digital Versatile Disc
DVD-RAM - Digital Versatile Disk - Random Access Memory

--- E ---
ECC - Error Correction Code
ECS - Elitegroup Computer Systems
EDO - Extended Data Out
EEPROM - Electrically Erasable Programmable Read-Only Memory
EPROM - Erasable Programmable Read-Only Memory
EVGA - EVGA Corporation

--- F ---
FC-PGA - Flip Chip Pin Grid Array
FDC - Floppy Disk Controller
FDD - Floppy Disk Drive
FPS - Frame Per Second
FPU - Floating Point Unit
FSAA - Full Screen Anti-Aliasing
FS - For Sale
FSB - Front Side Bus

--- G ---
GB - Gigabytes
GBps - Gigabytes per second or Gigabits per second
GDI - Graphical Device Interface
GHz - GigaHertz

--- H ---
HDD - Hard Disk Drive
HIS - Hightech Information System Limited
HP - Hewlett-Packard Development Company
HSF - Heatsink-Fan

--- I ---
IBM - International Business Machines Corporation
IC - Integrated Circuit
IDE - Integrated Drive Electronics
IFS- Item for Sale
IRQ - Interrupt Request
ISA - Industry Standard Architecture
ISO - International Standards Organization

--- J ---
JBL - JBL (Jame B. Lansing) Speakers
JVC - JVC Company of America

- K ---
Kbps - Kilobits Per Second
KBps - KiloBytes per second

--- L ---
LG - LG Electronics
LAN - Local Area Network
LCD - Liquid Crystal Display
LDT - Lightning Data Transport
LED - Light Emitting Diode

--- M ---
MAC - Media Access Control
MB � MotherBoard or Megabyte
MBps - Megabytes Per Second
Mbps - Megabits Per Second or Megabits Per Second
MHz - MegaHertz
MIPS - Million Instructions Per Second
MMX - Multi-Media Extensions
MSI - Micro Star International

--- N ---
NAS - Network Attached Storage
NAT - Network Address Translation
NEC - NEC Corporation
NIC - Network Interface Card

--- O ---
OC - Overclock (Over Clock)
OCZ - OCZ Technology
OEM - Original Equipment Manufacturer

--- P ---
PC - Personal Computer
PCB - Printed Circuit Board
PCI - Peripheral Component Interconnect
PDA - Personal Digital Assistant
PCMCIA - Peripheral Component Microchannel Interconnect Architecture
PGA - Professional Graphics Array
PLD - Programmable Logic Device
PM - Private Message / Private Messaging
PnP - Plug 'n Play
PNY - PNY Technology
POST - Power On Self Test
PPPoA - Point-to-Point Protocol over ATM
PPPoE - Point-to-Point Protocol over Ethernet
PQI - PQI Corporation
PSU - Power Supply Unit

--- R ---
RAID - Redundant Array of Inexpensive Disks
RAM - Random Access Memory
RAMDAC - Random Access Memory Digital Analog Convertor
RDRAM - Rambus Dynamic Random Access Memory
ROM - Read Only Memory
RPM - Revolutions Per Minute

--- S ---
SASID - Self-scanned Amorphous Silicon Integrated Display
SCA - SCSI Configured Automatically
SCSI - Small Computer System Interface
SDRAM - Synchronous Dynamic Random Access Memory
SECC - Single Edge Contact Connector
SODIMM - Small Outline Dual Inline Memory Module
SPARC - Scalable Processor ArChitecture
SOHO - Small Office Home Office
SRAM - Static Random Access Memory
SSE - Streaming SIMD Extensions
SVGA - Super Video Graphics Array
S/PDIF - Sony/Philips Digital Interface

--- T ---
TB - Terabytes
TBps - Terabytes per second
Tbps - Terabits per second
TDK - TDK Electronics
TEC - Thermoelectric Cooler
TPC - TipidPC
TWAIN - Technology Without An Important Name

--- U ---
UART - Universal Asynchronous Receiver/Transmitter
USB - Universal Serial Bus
UTP - Unshieled Twisted Pair

--- V ---
VCD - Video CD
VPN - Virtual Private Network

--- W ---
WAN - Wide Area Network
WTB - Want to Buy
WYSIWYG - What You See Is What You Get

--- X ---
XGA - Extended Graphics Array
XFX - XFX Graphics, a Division of Pine
XMS - Extended Memory Specification
XT - Extended Technology

What is RTGS System & FAQs Related To RTGS ?

Q1. What is RTGS System?
The acronym 'RTGS' stands for Real Time Gross Settlement. RTGS system is a funds transfer mechanism where transfer of money takes place from one bank to another on a 'real time' and on 'gross' basis. This is the fastest possible money transfer system through the banking channel. Settlement in 'real time' means payment transaction is not subjected to any waiting period. The transactions are settled as soon as they are processed. 'Gross settlement' means the transaction is settled on one to one basis without bunching with any other transaction. Considering that money transfer takes place in the books of the Reserve Bank of India, the payment is taken as final and irrevocable.

Q2. How RTGS is different from Electronic Fund Transfer System (EFT) or National Electronics Funds Transfer System (NEFT)?
EFT and NEFT are electronic fund transfer modes that operate on a deferred net settlement (DNS) basis which settles transactions in batches. In DNS, the settlement takes place at a particular point of time. All transactions are held up till that time. For example, NEFT settlement takes place 6 times a day during the week days (9.00 am, 11.00 am, 12.00 noon. 13.00 hours, 15.00 hours and 17.00 hours) and 3 times during Saturdays (9.00 am, 11.00 am and 12.00 noon). Any transaction initiated after a designatedsettlement time would have to wait till the next designated settlement time. Contrary to this, in RTGS, transactions are processed continuously throughout the RTGS business hours.

Q3. Is there any minimum / maximum amount stipulation for RTGS transactions?
The RTGS system is primarily for large value transactions. The minimum amount to be remitted through RTGS is Rs.1 lakh. There is no upper ceiling for RTGS transactions. No minimum or maximum stipulation has been fixed for EFT and NEFT transactions.

Q4. What is the time taken for effecting funds transfer from one account to another under RTGS?
Under normal circumstances the beneficiary branches are expected to receive the funds in real time as soon as funds are transferred by the remitting bank. The beneficiary bank has to credit the beneficiary's account within two hours of receiving thefunds transfer message.

Q5. Would the remitting customer receive an acknowledgement of money credited to the beneficiary's account?
The remitting bank receives a message from the Reserve Bank that money has been credited to the receiving bank. Based on this the remitting bank can advise the remitting customer that money has been delivered to the receiving bank.

Q6. Would the remitting customer get back the money if it is not credited to the beneficiary's account? When?
Yes. It is expected that the receiving bank will credit the account of the beneficiary instantly. If the money cannot be credited for any reason, the receiving bank would have to return the money to the remitting bank within 2 hours. Once the money is received back by the remitting bank, the original debit entry in the customer's account is reversed.

Q7. Till what time RTGS service window is available?
The RTGS service window for customer's transactions is available from 9.00 hours to 16.30 hours on week days and from 9.00 hours to 12.30 noon on Saturdays for settlement at the RBI end. However, the timings that the banks follow may vary depending on the customer timings of the bank branches.

Q8. What about Processing Charges/Service Charges for RTGS transactions?
With a view to rationalize the service charges levied by banks for offering various electronic products, a broad framework has been mandated as under:

a) Inward transactions – Free, no charge to be levied

b) Outward transactions –

Rs. 1 lakh to Rs. 5 lakh - not exceeding Rs. 25 per transaction.

Rs. 5 lakh and above – not exceeding Rs. 50 per transaction.

Q9. What is the essential information that the remitting customer would have to furnish to a bank for the remittance to be effected?
The remitting customer has to furnish the following information to a bank for effecting a RTGS remittance:
1. Amount to be remitted.
2. His account number which is to be debited.
3. Name of the beneficiary bank.
4. Name of the beneficiary customer.
5. Account number of the beneficiary customer.
6. Sender to receiver information, if any.
7. The IFSC Number of the receiving branch .

Q10. How would one know the IFSC code of the receiving branch?
The beneficiary customer can obtain the IFSC code from his branch. The IFSC code is also available in the cheque leaf. This code number and bank branch details can be communicated by the beneficiary to the remitting customer.

Q11. Do all bank branches in India provide RTGS service?
No, all the bank branches in India are not RTGS enabled. As on December 31, 2008 more than 52,000 bank branches are RTGS enabled. The list of such branches is available on RBI website www.rbi.org.in/Scripts/Bs_viewRTGS.aspx

Q12. Is there any way that a remitting customer can track the remittance transaction?
It would depend on the arrangement between the remitting customer and the remitting bank. Some banks with internet banking facility provide this service. Once the funds are credited to the account of the beneficiary bank, the remitting customer gets a confirmation from his bank either by an e-mail or by a short message on the mobile.

Q13. Whom do I can contact, in case of non-credit or delay in credit to the beneficiary account?
Contact your bank / branch. If the issue is not resolved satisfactorily, the Customer Service Department of RBI may be contacted at -

The Chief General Manager,
Reserve Bank of India,
Customer Service Department,
1st Floor, Amar Building, Fort,
Mumbai - 400001
or send and email.

Q14. How much volume and value of transactions are routed through RTGS on a typical day?
On a typical day, RTGS handles about 60,000 transactions a day for an approximate value of Rs.2,700 billion.

Q15. How can a remitting customer know whether the bank branch of the beneficiary accepts remittance through RTGS?
For a funds transfer to go through RTGS, both the sending bank branch and the receiving bank branch would have to be RTGS enabled. The lists are readily available at all RTGS enabled branches. Besides, the information is available at RBI website (www.rbi.org.in/Scripts/Bs_viewRTGS.aspx). Considering that more than 52,000 branches at more than 10,000 cities/ towns and taluka places are covered under the RTGS system, getting this information would not be difficult.

Friday, January 29, 2010

Use Ayurveda for a healthy and glowing skin

Our skin faces a constant barrage of chemicals everyday from pollution to harsh chemically formulated products that strip the skin of its natural balance. These simple Ayurvedic home remedies help you to attain a clear, healthy and glowing complexion. Ayurveda mentions many simple natural ways to maintain a healthy and glowing skin. Using these natural ways, one can stay beautiful for a longer period without having to suffer the side effects of the chemicals. Below are some simple 'secrets' to achieve a naturally beautiful skin. Mix equal quantities of cucumber juice, rose water and lime juice. Wash the face and apply it overnight. Rinse off in the morning. This clears the complexion and keeps it healthy.

* Take 50 ml. of raw (not boiled) milk and mix a pinch of salt and two teaspoonful of lime juice in it. Use it as a cleansing lotion. It helps to clean the deep pores of skin.

* Mix equal quantities of lime juice, glycerin and rose water. This lotion if applied to the face regularly at bed time is very useful in removing pimples, blackheads and other stains of the skin. It makes the skin soft, and can also be applied to other parts of the body (hands, feet etc.)

* Take 50 ml. of tomato juice and mix with one teaspoon of lemon juice. Apply this mixture to the face. It helps to make the skin soft and glowing.

* Take equal quantities of turmeric powder and wheat flour and make a paste with sesame oil. Apply it to the face to remove unwanted hair.

* Apply orange juice to the face for smooth and soft skin.

* Take 30 ml. of cabbage juice and mix one teaspoon of honey in it. This mixture, if applied regularly to the face, helps to keep the wrinkles away.

* Make a paste of raw carrots and apply it to the face. Wash it after one hour. The skin will become glowing.

* Regular application of mint juice to the face helps to remove stains. Try out some of these simple natural remedies for smooth, clear and radiant complexion.

Earthquake Safety Tips

Some 80 percent of all the planet's earthquakes occur along the rim of the Pacific Ocean, called the "Ring of Fire" because of the preponderance of volcanic activity there as well. Most earthquakes occur at fault zones, where tectonic plates—giant rock slabs that make up the Earth's upper layer—collide or slide against each other. These impacts are usually gradual and unnoticeable on the surface; however, immense stress can build up between plates. When this stress is released quickly, it sends massive vibrations, called seismic waves, often hundreds of miles through the rock and up tothe surface. Other quakes can occur far from faults zones when plates are stretched or squeezed.

Scientists assign a magnitude rating to earthquakes based on the strength and duration of their seismic waves. A quake measuring 3 to 5 is considered minor or light; 5 to 7 is moderate to strong; 7 to 8 is major; and 8 or more is great.

On average, a magnitude 8 quake strikes somewhere every year and some 10,000 people die in earthquakes annually. Collapsing buildings claim by far the majority of lives, but the destruction is often compounded by mud slides, fires, floods, or tsunamis. Smaller temblors that usually occur in the days following a large earthquake can complicate rescue efforts and cause further death and destruction.


Loss of life can be avoided through emergency planning, education, and the construction of buildings that sway rather than break under the stress of an earthquake.



Earthquake Safety Tips

Earthquakes are a common occurrence, rumbling below Earth's surface thousands of times every day. But major earthquakes are less common. Here are some things to do to prepare for an earthquake and what to do once the ground starts shaking.



Safety Tips

· Have an earthquake readiness plan.

· Consult a professional to learn how to make your home sturdier, such as bolting bookcases to wall studs, installing strong latches on cupboards, and strapping the water heater to wall studs.

· Locate a place in each room of the house that you can go to in case of an earthquake. It should be a spot where nothing is likely to fall on you.

· Keep a supply of canned food, an up-to-date first aid kit, 3 gallons (11.4 liters) of water per person, dust masks and goggles, and a working battery-operated radio and flashlights.

· Know how to turn off your gas and water mains.



If Shaking Begins

· Drop down; take cover under a desk or table and hold on.

· Stay indoors until the shaking stops and you're sure it's safe to exit.

· Stay away from bookcases or furniture that can fall on you.

· Stay away from windows. In a high-rise building, expect the fire alarms and sprinklers to go off during a quake.

· If you are in bed, hold on and stay there, protecting your head with a pillow.

· If you are outdoors, find a clear spot away from buildings, trees, and power lines. Drop to the ground.

· If you are in a car, slow down and drive to a clear place. Stay in the car until the shaking stops.


Did You Know?
The largest recorded earthquake in the world was a magnitude 9.5 (Mw) in Chile on May 22, 1960.

Wednesday, January 27, 2010

Useful Information about the Motor Vehicle Act of India

The Motor Vehicles Department has been established under section 213 (1) of the Motor Vehicles Act, 1988. This is a Central Act applicable throughout the country. Motor Vehicles Department is mainly responsible for enforcing various provisions of this Act. Motor Vehicles Department is headed by the Transport Commissioner.

The main functions of the Motor Vehicles Department :

1. Enforce the provisions of the Motor Vehicles Act, 1988, the Central Motor Vehicles Rules, 1989 and

the Maharashtra Motor Vehicles Rules, 1989.

2. Ensure a co-ordinated development of Road Transport through the regim of permit.

3. Levy and collection of tax on Motor Vehicles under the Bombay Motor Vehicles Tax Act, 1959 and
on Passengers under the Bombay Motor Vehicles (Transportation of Passengers) Act, 1958.

Activities performed by the Motor Vehicles Department :

1. Issue of Learner’s License to drive a motor vehicle.

2. Issue of permanent license to drive a motor vehicle and renew the same.

3. Issue Badges to the drivers of Public Service Vehicles like Auto rickshaw, Taxis etc

4. Issue International Driving Permits.

5. Issue permits to Stage Carriages.

6. Registration of Motor Vehicles.

7. Assignment of registration mark of this State in respect of vehicles registered in other State and
kept for use in this State for a period more than one year.

8. Grant Certificate of Fitness to transport vehicles.

9. Inspect private vehicles which are more than 15 years old and renew the registration.

10. Issue Permits to Transport Vehicles, counter-sign them and thereby keep control on Transport
Vehicles.

11. Issue of authorisations and permits for National Permit Vehicles.

12. Issue authorisations and permits for All India Tourist Cabs and Buses.

13. Ensure that the motor vehicles are covered by valid certificates of insurance.

14. Take action on vehicle owners not complying with the provisions of the Motor Vehicles Act and
the Tax Act.

15. Levy and collect Motor Vehicles Tax as provided under the Bombay Motor Vehicles Tax Act, 1958
and enforce the related provisions.

16. Levy and collect the tax on passengers under the Bombay Motor Vehicles (Taxation on
Passengers) Act, 1958 and enforcements the related provisions.

17. Prepare and up-date office record pertaining to all the above activities.

The office of the Transport Commissioner is located at Mumbai.

The State has been divided into 13 Regions and each region is headed by a Regional Transport Officer (RTO).

There are 3 Regions in the city of Mumbai.

The offices in Mumbai are located at Tardeo (i.e. Regional Transport Office, Mumbai (Central), Andheri (i.e. Regional Transport Office, Mumbai (West) and Worli (i.e. Regional Transport office (East). The other Regional Transport Offices are located at Thane, Pune, Aurangabad, Amravati, Nasik, Nagpur, Kolhapur, Nagpur, Dhule and Nanded.

Transport Commissioner Office Address - Administrative Bldg., 4th Floor, Govt. Colony,

Opp. Dr. Babasaheb Ambedkar Garden, Bandra (East), Mumbai - 400 051.

Phone - 022-26516336 Fax - 022-26414901

Field Offices

Region Code Office Name Details

MH-01 Regional Transport Office, Mumbai Central Address - Old Bodygaurd Lane, Tulshiwadi, Tardeo,

Mumbai - 34

Phone - 022-24932337, 24944600/01/02

Fax - 022-24944603

MH-02 Regional Transport Office, Mumbai West Address - 111-D, Ambivali Village, Nr. Manish Nagar,

Versova Rd., Andheri (W), Mumbai - 53

Phone - 022-26362252, 26319821

Fax - 022-26366957

MH-03 Regional Transport Office, Mumbai East Address - B-2, 3rd Floor, Wadala Truck Terminal,

Wadala, Mumbai (E.) - 37

Phone - 022-24036479, 24036221, 24930299,

24036518

Fax - 022-24935857

MH-04 Regional Transport Office, Thane Address - Near Central Jail, Thane - 400601

Phone - 022- 25340474, 25823580, 25823400

(Murphy)

Fax - 022-25366550

MH-05 Dy. Regional Transport Office, Kalyan Address - Tapsi Pande Compund, Rambhau Patwardhan

Road, Kalyan - 421301

Phone - 0251-2230505, 2230888

Fax - -

MH-06 Dy. Regional Transport Office, Pen Address - Municipal Office Compound, AT & Post, Pen,

Dist. Raigad.

Phone - 02413-252234

Fax - 02413-254403, 256073

MH-07 Dy. Regional Transport Office, Sindhudurg Address - Bogate Bldg., At & Post Kudal, Dist.

Sindhudurg

Phone - 02362-222050

Fax - 02362-222050

MH-08 Dy. Regional Transport Office, Ratnagiri Address - Blcok No.18/19, Shivaji Stadium, Near Maruti

Temple, Ratnagiri

Phone - 02352-229444, 220707

Fax - 02352-230377

MH-43 Dy. Regional Transport Office, Vashi

(Navi Mumbai)

Address - APMC Market Compund, Vashi, Navi

Mumbai.

Phone - 022-27650701

Fax - 022-27650702

MH-09 Regional Transport Office, Kolhapur Address - Kolhapur, 213 'E' Nagala Park, Kolhapur

Phone - 0231-2663131

Fax - 0231-2661010, 2665454

MH-10 Dy. Regional Transport Office, Sangli Address - Madhav Nagar Road, Industrial Estate, Sangli -

416416

Phone - 0233-2310555/888

Fax - 0233-2311099

MH-11 Dy. Regional Transport Office, Satara Address - 484, Sadar Bazar, Bhurke Bungalow, Camp,

Satara - 415001

Phone - 02162-230330

Fax - 02162-235888

MH-12 Regional Transport Office, Pune Address - 38, Dr. Ambedkar Road, Near Sangam Bridge,

Pune - 411001

Phone - 020-26058282/080/090/555

Fax - 020-26058282

MH-13 Dy. Regional Transport Office, Solapur Address - Vijaypur Road, S.T. Colony, Sundaram Nagar,

Solapur - 413004

Phone - 0217-2303099

Fax - 0217-2339134

MH-14 Dy. Regional Transport Office, Pimpri-

Chinchwad

Address - Near Town Planning Pradhikaran, Nigdi,

Behind Primary School, Pimpri-Chinchwad

Phone - 020-27492828

Fax - 020-2749003

MH-42 Dy. Regional Transport Office, Baramati Address - Baramati

Phone - 02112-243111

Fax - 02112-243111

MH-45 Dy. Regional Transport Office, Akluj Address - Akluj, Tahshil - Malshiras, Dist. Solapur

Phone - 02185-231231

MH-15 Regional Transport Office, Nashik Address - Peth Road, Panchvati, Nashik - 422004

Phone - 0253-2530038, 2531070

Fax - 0253-2530181

MH-16 Dy. Regional Transport Office, Address - Bungalow No.8, Nagar Bandori Rd.,

Ahmednagar Ahmednagar

Phone - 0241-2430114, 2431530

MH-17 Dy. Regional Transport Office, Shrirampur Address - Market Yard, Nevasa Road, Shrirampur

Phone - 02422-222175, 223102

MH-41 Dy. Regional Transport Office, Malegaon Address - Malegaon

Phone - 02554-258850

Fax - 02554-258850

MH-18 Regional Transport Office, Dhule Address - Govt. Colony, Station Rd, Dhule - 424001

Phone - 02562-281351

Fax - 02562-281351

MH-19 Dy. Regional Transport Office, Jalgaon Address - Govt. Colony, Station Rd, Jalgaon-425001

Phone - 0257-2262619, 2261819

Fax - 0257-2261819

MH-39 Dy. Regional Transport Office, Nandurbar Address - Nandurbar

Phone - 02564-223522

MH-20 Regional Transport Office, Aurangabad Address - Near Rly. Station, Aurangabad - 431001

Phone - 0240-2331135

Fax - 0240-2331133

MH-21 Dy. Regional Transport Office, Jalna Address - Group No.246, Nagewadi, Taluka & Dist.Jalna

Phone - 02482-220929

MH-23 Dy. Regional Transport Office, Beed Address - Bhave Bldg., Nr. Deepak Bungalow, Old

Champwati Oil Mill, Barsi Naka, Beed -

431122

Phone - 02442-222632

Fax - 02442-230398

MH-25 Dy. Regional Transport Office, Osmanabad Address - Shivneri Bungalow, Nr. Bhosala School,

Bawankar Bldg., Osmanabad

Phone - 02472-27555

MH-44 Dy. Regional Transport Office, Ambejogai Address - Ambejogai, Dist. Beed

MH-26 Regional Transport Office, Nanded Address - Abdulla Hill, Nr. Aerodram, Nanded - 431601

Phone - 02462-259900

Fax - 02462-219900

MH-22 Dy. Regional Transport Office, Parbhani Address - Rajesh Bldg., Nr. Mohite Garage, Shivam

Nagar, Parbhani - 431401

Phone - 02452-248148

MH-24 Dy. Regional Transport Office, Latur Address - Near Dutta Mandir, Vora Road, Latur

Phone - 02382-242434

MH-38 Dy. Regional Transport Office, Hingoli Address - Hingoli

Phone - 02456-248048

MH-27 Regional Transport Office, Amarvati Address - Near Collectorate Camp, Amaravati - 444602

Phone - 0721-2662032

Fax - 0721-2662606

MH-28 Dy. Regional Transport Office, Buldhana Address - Old Vibhag Niyantrak Karyalaya, Nr. S.T. Bus

Stand, Buldhana

Phone - 07262-242244

MH-29 Dy. Regional Transport Office, Yavatmal Address - Shri Sarfaraj Bldg., Jafar Nagar, Pandharkwada

Road, Yevatmal

Phone - 07232-255111

MH-30 Dy. Regional Transport Office, Akola Address - Krishi Nagar, Akola Maruti Bazar Road,

Jamnalal Bajaj Goenka Marg, Akola

Phone - 0724-2459488, 2662606

Fax - 0724-2459099

MH-41 Dy. Regional Transport Office, Washim Address - Washim

Phone - 07252-235244

MH-31 Regional Transport Office, Nagpur Address - Opp. Giripeth Post Office, Nagpur - 440001

Phone - 0712-2560781

Fax - 0712-2561698

MH-32 Dy. Regional Transport Office, Wardha Address - Administartive Bldg., Collector Office

Compound, Sevagram Road, Wardha-442001

Phone - 07152-243543

MH-40 Regional Transport Office, Nagpur (Rural) Address - Nagpur (Rural)

Phone - 0712-2549240

MH-33 Dy. Regional Transport Office, Gadchiroli Address - New Administrative Bldg., Campus

Collectorate, Gadchiroli

Phone - 07132-22295

MH-34 Dy. Regional Transport Office, Chandrapur Address - Nagina Bag Ward, Borke Plot, Chandrapur -

442401

Phone - 07172-255372

MH-35 Dy. Regional Transport Office, Gondia Address - Dr. Vajyapee Bunglow Civil Lines, Gondia -

440016

Phone - 07182-22900

MH-36 Dy. Regional Transport Office, Bhandara Address - Bhandara

Phone - 07184-258165

Registration & Important Note

An application for temporary registration shall be made in form C.R Tem.A.

No dealer of vehicle can deliver the unregistered motor vehicle to the purchaser.

He can only deliver the vehicles which are temporarily /permanently registered with R.T.O.

No owner of a motor vehicle can allow or permit the use of unregistered vehicle.

No person can drive a motor vehicle, which is not registered with R.T.O.

Temporary registration is valid for the period of 7 days initially and extended up to not exceeding 30 days in case of non transport vehicles. This validity is extended for some more period with the permission of registering authority in case of transport vehicles. In case of transport vehicle you need a time to construct the body of vehicle over the chassis hence you need temporary registration.

In case of non-transport vehicles, to take the vehicle to the place of registration from the dealer’s premises you need to register the vehicle temporarily. Temporary registration is valid for the period of 7 days initially and extended up to not exceeding 30 days incase of non transport vehicles .This validity is extended for some more period with the permission of registering authority in case of transport vehicles.

Registration of New Vehicle

• Register the new vehicle within 7 days from the date of taking delivery from the dealer excluding
the period of journey for vehicles on temporary registration.

• No dealer of vehicle can deliver the unregistered motor vehicle to the purchaser. He can only deliver
the vehicles which are temporarily /permanently registered with R.T.O.

• No owner of a motor vehicle can allow or permit the use of unregistered vehicle.

• No person can drive a motor vehicle, which is not registered with R.T.O.

• Get the vehicle registered directly from the dealer on his trade certificate.

• Produce vehicle for inspection to RTO . Vehicle is inspected by an inspector of it confirms to the
provision of Act & rule then vehicle tax is recovered & new registration number is assigned.

How to Apply for Registration of Vehicle

1. Form 20

2. Sale certificate in Form 21 given by dealer.

3. Roadworthiness certificate in form 22 ,22-A from the manufacturer.

4. Approval from Transport Commissioner.

5. Purchase invoice (for vehicles attracting life time tax).

6. Temporary registration if any.

7. PAN number or Form-60 in two copies (expect 2 wheelers ).

8. Valid insurance certificate.

9. Address proof.

10. Roadworthiness certificate in form 22-A part II from the body builder for transport vehicles.

11. Bill of entry for imported vehicles.

12. Octroi receipt if registering in municipal limits.

13. Manufacturers certificate for invalid carriage.

14. Customs clearance certificate in case of imported vehicles along with license & bond if any.

15. Design approval from transport commissioner in the case of a trailer.

16. 7/12 abstract or tahasildar certificate in the case of agricultural tractor & trailer.

17. Entry tax payment proof if any vehicle, body or tanker is purchased from outside the state.

18. Fee

19. All valid documents of the vehicle.

If vehicle registered in one state is to be kept or used in other state for the period of more

than a year then the vehicle needs to be registered in the later state new registration

number to be assigned . While doing so, the NOC from original registering authority &

consent of financier needed to be furnished.

How to Apply

1. Form 20, Form 26, Form 27.

2. Form 33 In case of change of address only.

3. Form 29, Form 30 In case of transfer of ownership.

4. Form FT, Form AT.

5. NOC in Form 28 with chassis print affixed on it from the original registering authority along with
consent from financier.

6. Form TCA, Form TCR – incase of transport vehicles only.

7. Proof of payment of entry tax in case vehicle has arrived within 30 months of date of it's first
registration.

8. An affidavit from the owner of the vehicle stating that vehicle in concerned in not involved in any accident, theft or crime.

9. Fee.

10. All valid documents of the vehicle.

Registration for VIP Numbers

Conditions

• Under MMVR 1989 R54 the applications for new VIP nos. will be accepted from 5th February 2002
onwards during office hours.

• On grant of the VIP nos the applicant shall pay the prescribed fees on the same day or on the
following day during cash hours from 10:00 A.M. to 2:30 P.M.

• The notified nos are available on payment of Rs.10000/- subject to availability. And the jumping nos
from current no. upto 1000 (except those notified) will be assigned on payment of Rs. 4000/-
subject to availability.

• If more than one applications are received on one day, the nos will be allotted by lottery system by Dy. R.T.O. at 5.30 hrs on same day.

• Reservation for such nos will be in force and will be valid for 30 days only.

• All applications on plain paper will be accepted at R.T.O. main office by the concerned clerk of Non- Transport Series.

Transfer of Motor Vehicle Ownership

Time Limit

• Within the same office area - 14 days

• In the jurisdiction of other authority - 30 days

Documents Required

• Form 29 - Declaration of seller.

• Form 30 - Declaration of purchaser.

• Form 28 - NOC in case of vehicles from outside address proof PUC certificate, Insurance region/state

certificate, Registration Certificate, Tax Certificate) accompanied by prescribed fees.

Issue of Driving License

Learning License

Steps to obtain your Learner's License

Check up if you are medically fit. (Your doctor will confirm this on page two of Form 2)

Applicant should be

• 16 years old if you are to drive personal vehicles below 50 cc.

• 18 years old if you are to drive personal vehicles above 51 cc.

• 20 years old if you are to drive transport vehicles (passenger & goods transport). Form 1 & Form 2

(for non-transport, i.e. personal vehicle) or Form1A & Form2 (for transport Licence i.e. autorikshaw,

taxi, truck used for transport business)

Attach to the form

• Two passport-size photographs.

• One proof of your address such as ration card, electricity bill, telephone bill, voter's card, insurance

certificate, passport etc (original and its photocopy; original will be returned to you).

• One proof of your age such as birth certificate, school or college Leaving Certificate (original and its

photocopy; original will be returned to you).

Permanent Licence

A person after completion of thirty days of Learner’s licence may apply for the test of

competence to drive to the licencing Authority in whose jurisdiction he resides.

Documents Required and tests

• Form 4

• Learner’s licence

• Three copies of recent photographs

• Proof of age and address as per Rule 4 of Central Motor Vehicle rules except Ration card.

• Driving school’s certificate in Form 5 for all transport vehicles

• Fee

• All valid documents of the vehicle on which the test to be conducted

• Ability of the Applicant

• Adjust rear view mirror.

• Take suitable precautions like fastening of seat belts etc before starting engine.

• Move away safely and smoothly straight ahead at an angle while at the same time use of all gears.

• Change quickly to lower gear when the traffic conditions warrant such change.

• Change quickly to lower gears while driving down hill.

• Stop and restart on steep upward incline make proper use of hand brakes and of the foot

• brakes without rolling back, turn right and left corners correctly using rear view mirror

• Over take and allow to be overtaken safely with proper caution giving appropriate signals.

• Give appropriate signals by hand or by electrical indicators clearly without mistake.

• Change the lanes using proper signals with care.

• Stop the vehicle in an emergency safely.

• Use of the reverse gear while driving the vehicle backwards with reasonable accuracy.

• Use the forward and reverse gears to change the face of vehicle in opposite direction.

• Take correct and prompt action at signals given by traffic signs, signals, policemen and other road

users.

• Drive cautiously at pedestrians crossings giving preference to persons crossing the road.

• Keep well to the left in normal driving.

• Regulate the speed to suit varying road and traffic conditions.

• Demonstrate control of the vehicle by confident steering and smooth gear changing and braking as

and when required.

• Make proper use of rear view mirror before signaling, maneuvering, overtaking, turning to right or

stopping.

• Use proper side when driving straight, turning and at road junctions.

• Make proper use of accelerator, clutch, gears, brakes, steering and horn.

• Anticipate the actions of other road users.

• Take precautions at intersections & road junctions to adjust the speed, proper positioning of the

vehicle, use rear view mirror & avoidance of cutting right hand corner.

• Concentrate on driving with attention & presence of mind.

• Show courtesy & consideration for other road users keeping in mind the road safety.

A person is granted the driving licence after successfully passed the test of competence to drive. If he does not pass the said test then he may appear for retest after a period of seven days.

Note : If you are to drive public/goods carrier vehicle, you have to fill up Form 5 and attach proof of your address and age as in 1 and 2 above.

Renewal of Driving Licence

Documents Required

• Form 9

• Driving licence

• Application –cum-declaration as to physical fitnees in Form 1

• Medical Certificate in Form 1-A

• Three copies of applicants recent photographs

The driving license is renewed with effect from the date of its expiry when the application is made before its expiry or within thirty days grace period. The driving license is renewed with effect from the date of renewal when the application is made after the grace period. The driving license cannot be renewed after the period of five years when it has ceased to be effective. If the license is from other state it is desirable that the applicant should bring No Objection Certificate (N.O.C.) / confirmation of driving license from Original Licensing Authority.

Validity of Motor Driving License

Type of License


Validity

Learner's License


6 Months

Transport License


3 Years

License to drive vehicle carrying hazardous chemicals


1 Year

After the age of 50 yrs


5 Years

All other class of license (Till the age of 50 years)


20 years or up to the age of 50 yrs whichever is earlier

International Driving Permit

If you are interested to show your skills on foreign land you are required to obtain International driving permit. IDP is valid only in the country we have signed under UN conversion.

Basic Requirement

1. Valid driving license

2. Passport

3. Visa

4. Medical Certificate in Form IA

5. Payment of prescribed fees (at present Rs.500/- only)

6. Applicant should submit the application in whose jurisdiction he stays. It is advisable to applicant to

get the necessary changes about the address on motor driving license before submitting the

application for IDP.

7. The applicant is required to appear before licensing authority for grant of IDP. Form of IDP (to be

collected from Head Clerk MDL)

Disqualification & Revocation

If a licensing authority is satisfied, after giving the holder of a driving license an opportunity of being heard, that the –

A. Is a habitual criminal or a habitual drunkard; or

B. Is a habitual addict to any narcotic drug or psychotropic substance within the meaning of the

Narcotic Drugs and Psychotropic Substances Act, 1985; or

C. Is using or has used a motor vehicle in the commission of a cognizable offence; or

D. Has by his previous conduct as driver of a motor vehicle shown that his driving is likely to be

attended with danger to the public; or

E. Has obtained any driving license or a license to drive a particular class or description of motor

vehicle by fraud or misrepresentation; or

F. Has committed any such act which is likely to cause nuisance or danger to the public, as may be

prescribed by the Central Government, having regard to the objects of his Act; or

G. Has failed to submit to, or has not passed, the test referred to in the proviso to sub-section (3) of

section 22; or

H. Being a person under the age of eighteen years who has been granted a learner's license or a driving

license with the consent in writing of the person having the care of the holder of the license and

has ceased to be such care,

It may, for reasons to be recorded in writing, make an order -

1. Disqualifying that person for a specified period for holding or obtaining any driving license to drive all

or any classes or descriptions of vehicles specified in the license; or

2. Revoke any such license

INSURANCE

The motor vehicle insurance certificate is a legal requirement as per Motor Vehicle Act 1988 (sec 146 & 147). It gives financial protection from accidental risk. It is very much dangerous and illegal to drive a motor vehicle without insurance.

Type of Motor Vehicle Insurance

1. Third party policy

This covers the risk or damages caused to the third person. Personal injuries and personal

vehicle damages will not be covered by this policy. For two wheeler vehicles we can take this policy for life time. For other vehicles this policy has to be renewed annually. This is the cheapest available motor vehicle insurance policy. This policy can be renewed two months in advance of its expiry.

2. Comprehensive policy

This is the costly policy. It covers both personal and third party risk. We have to renew this policy annually, and it can be renewed two months in advance anywhere in India.

3. Transfer of insurance

Third party insurance policy changes automatically when the registered owner changes. In case of comprehensive policy an application is to be made for change of ownership in the policy.

4. Duplicate Insurance Certificate

If the motor vehicle insurance certificate is lost or defaced, duplicate copy may be obtained by making an application to the concerned Insurance company branch by paying fees of Rs. 50/-.

Accident Claim

To obtain motor vehicle claims of an accident, one has to make detailed claim to the concerned insurance company. One who makes a claim application has to submit following documents.

• Valid driving license.

• Valid insurance certificate.

• Valid registration certificate.

• Valid tax certificate.

• First information report (FIR).

• Valid permit for a transport vehicle.

• Valid fitness certificate for transport vehicles.

• Claim estimation report by an authorised surveyor of the Company.

Road Safety Measures

• Defensive Driving

Defensive driving means driving in a manner that prevents accidents in spite of adverse driving conditions and situations created by others who may not follow rules. Knowledge of correct rules and

techniques, and the ability to handle unexpected emergencies are requirements for a good driver. It is the knowledge that can help you to successfully tackle any situation caused by other's mistakes, bad roads, adverse weather, traffic conditions, mechanical failure of your vehicle, etc.

• Accelerating

Do not roll back when you start. Partly engage the clutch before you make your foot off the brake. Set the handbrake and release it only when you have applied enough engine power to prevent rolling back. Speed up smoothly and slowly, so that the vehicle does not jerk. Rough acceleration can cause damage to the coupling, when pulling a trailer. Sudden speeding on a wet or slippary surface can cause skidding.

• Reversing

Since you cannot see everything behind your vehicle, reversing requires extra caution. Remember the following tips.

1. Look at your reversing path before you begin.

2. Reverse slowly, using mirrors.

3. As far as possible, turn towards the driver's side. Turning towards the other side is dangerous

because of limited view behind.

4. Never reverse from a minor side road onto a major road.

5. Fit reversing light and audible warning signal.

6. Always use a helper.

7. Do not reverse longer than absolutely necessary.

Tuesday, January 19, 2010

o Technology, Advantages & Differences between LCD & LED TVs

Given the types of television it could be very confusing and difficult for layman to choose the best Television for oneself. Now with the launch of LED the choice has become wider and more difficult. However, the choice between LCD & LED is the most head scratching.

This article will let you know the real factors and reasons on basis of which you can select the best one between LCD & LED for yourself.

What’s the technology behind LCD & LED?
LED set uses light emitting diodes to create much more vibrant and flicker free image. The Blacks are truly black and not dark gray. The colours are more realistic compared to LCD screen. LED TVs also have a higher refresh rate, which will help when watching shows with motion like an action movie or sports. On the other hand, LCD TVs use liquid crystal compressed between two glass plates. An image is created when electricity is applied to these crystals. LED TVs use liquid crystal, but unlike regular LCD televisions they use a backlight made of hundreds of LEDs (Light Emitting Diodes) instead of a fluorescent lamp.

The Price Factor
The picture quality itself, is very minor especially if you own a high end LCD Television. So with LED you actually pay 50% more for ‘thin’ television. Considering you won’t be spending oodles of time staring at the edge of the TV, price would nudge you towards an LCD.

Contrast & Picture Quality
These are the factors where LED TVs have an upper hand. It has amazing contrast ratio and also stays very smooth on your eyes. A Television’s contrast ratio represents its ability to show detail high contrast areas of the screen, in the form of minute gradations of colour and blacks or whites. For example, a panel with a low contrast ratio will struggle to show the higher or lower extremes of an image. An LCD screen has a single backlight array that can only alter brightness levels for the entire screen. The latest LED backlighttechnology allows the television to individually control backlight segments. This technology allows for contrast as higher as Plasma Televisions. However edge-lit LED televisions – usually available in an ultra-slim form factor - will have lower dynamic contrast ratios than the backlit LED models. Make sure you check this detail before purchase.

Viewing Angle
You might have noticed that although these sets look great upfront, the more you move to the side, the less of the screen’s picture you get to see. Many Television Brands quote very unrealistic viewing angles. The best way is to test LCD or LED personally by watching from different angles. LED TVs have higher viewing angles than LCD TVs due to their decentralized backlight distribution.

Green Rating (Power Consumption)
Most LCD televisions require a single fluorescent backlight to be lit. A 42 inch LCD consumes around 200 watts in normal use. LED televisions have energy-efficient back-lightning and this allows them to have energy consumption of up to 40 % less than LCD televisions. This makes LED cost effective in long run.

Monday, January 18, 2010

These NokiaUniversal Codes will work on most Nokia Mobile Phones

Nokia Universal Codes Code Description : These Nokia codes will work on most Nokia Mobile Phones

(1) *3370# Activate Enhanced Full Rate Codec (EFR) - Your phone uses the best sound quality but talk time is reduced my approx. 5%

(2) #3370# Deactivate Enhanced Full Rate Codec (EFR) OR *3370# ( F avourite )

(3) *#4720# Activate Half Rate Codec - Your phone uses a lower quality sound but you should gain approx 30% more Talk Time.

(4) *#4720# Deactivate Half Rate Codec.

(5) *#0000# Displays your phones software version, 1st Line : Software Version, 2nd Line : Software Release Date, 3rd Line : Compression Type. ( Favourite )

(6) *#9999# Phones software version if *#0000# does not work.

(7) *#06# For checking the International Mobile Equipment Identity (IMEI Number). ( Favourite ) (Cool #pw+1234567890+ 1# Provider Lock Status. (use the "*" button to obtain the "p,w" and "+" symbols).

(8) #pw+1234567890+ 2# Network Lock Status. (use the "*" button to obtain the "p,w" and "+" symbols).

(9) #pw+1234567890+ 3# Country Lock Status. (use the "*" button to obtain the "p,w" and "+" symbols).

(10) #pw+1234567890+ 4# SIM Card Lock Status. (use the "*" button to obtain the "p,w" and "+" symbols).

(11) *#147# (vodafone) this lets you know who called you last.

(12) *#1471# Last call (Only vodofone).

(13) *#21# Allows you to check the number that "All Calls" are diverted to

(14) *#2640# Displays security code in use.

(15) *#30# Lets you see the private number.

(16) *#43# Allows you to check the "Call Waiting" status of your phone. (1 *#61# Allows you to check the number that "On No Reply" calls are diverted to.

(17) *#62# Allows you to check the number that "Divert If Unreachable (no service)" calls are diverted to.

(18) *#67# Allows you to check the number that "On Busy Calls" are diverted to.

(19) *#67705646# Removes operator logo on 3310 & 3330.

(20) *#73# Reset phone timers and game scores.

(21) *#746025625# Displays the SIM Clock status, if your phone supports this power saving feature "SIM Clock Stop Allowed", it means you will get the best standby time possible.

(22) *#7760# Manufactures code.

(23) *#7780# or *#7370# Restore factory settings.

(24) *#8110# Software version for the nokia 8110.

(25) *#92702689# Displays - 1.Serial Number, 2.Date Made, 3.Purchase Date, 4.Date of last repair (0000 for no repairs), 5.Transfer User Data. To exit this mode you need to switch your phone off then on again. ( Favourite ) (2 *#94870345123456789 # Deactivate the PWM-Mem.

(26) **21*number# Turn on "All Calls" diverting to the phone number entered.

(27) **61*number# Turn on "No Reply" diverting to the phone number entered.

(28) **67*number# Turn on "On Busy" diverting to the phone number entered.

(29) 12345 This is the default security code. press and hold # Lets you switch between lines

Monday, January 11, 2010

Home remedies for Constipation

Constipation is a very common condition that tends to affect more women than men. It generally appears to women just before their period or during pregnancy. It is normally not very serious although occasionally, complications can occur if the condition is not treated.
Symptoms of Constipation

· Stomach ache and cramps

· Change in your normal bowel pattern

· Headaches

· Furred tongue

· Loss of appetite

· Fatigue and depression

· Feeling bloated

· Feeling sick
Causes of Constipation

According to Ayurveda, constipation is generally caused due to aggravation of vata. But it can also be caused due to aggravation of pitta or kapha.

It is mainly caused by wrong eating habits and bowel habits. Eating too much of food that the digestive system can't handle, eating food items that are not easily digested by body, not taking enough fibrous food like fruits and vegetables, irregular sleeping pattern, mental tensions, etc can cause constipation.
Herbal Treatment for Constipation

The best laxative is triphala. When used as a laxative, triphala strengthens colon. Other laxatives are harsh on colon, which is unfavorable condition. Triphala balances metabolism, thereby ensuring more nourishment to blood. Take a teaspoon of triphala powder at bed time.

Triphala is basically an ayurvedic medicine that is popular as rasayana or the rejuvenator. It is the combination of three herbs. These herbs are

* Amla (Emblica officinalis)
* Harada (Terminalia chebula)
* Behada (Terminalia belerica)

Triphala is a valuable herb for digestive problems. It not only works as a mild laxative but also helps in improving the peristaltic movements in the gastro intestinal tract. It stimulates liver to secrete bile juices that are very essential for fat metabolism.

According to ayurvedic practitioners, it is one of the best colon cleansers and is highly recommended in constipation. It helps in detoxification of the body. It has gained the popularity as the mild laxative.

Also include fruits like papaya, mango, banana, grapes, oranges, apple etc in your diet. Carefully chew your food. Do not eat spicy, frozenfood items. Avoid food items that have preservatives.

Food prepared with cumin seeds, coriander, turmeric and fennel as condiments are easily digested.
Home Remedies for Constipation

1. Try drinking a glass of warm water with 1 teaspoon of honey and the juice of half a lemon or lime in the morning before you eat or drink anything else.

2. Integrate raisins, figs, dates or prunes into your diet. They help you in relieving constipation.

3. Eat at least 350 grams of grapes each day. The combination of the properties contained in the grapes, namely cellulose, sugar and organic make it a natural laxative food and helps you in curing constipation.

4. Eat bael fruit. This is regarded as the best of all natural laxatives and it can also clean and tone up a person's intestines. Using it regular for 2 to 3 months will even help to get rid of old accumalated faecal matter.

5. Chewing a few sticks of liquorice (mulathi) each day is also beneficial as this is a natural laxative. It is a very useful remedy for constipation.

6. Just before going to bed, put 3 teaspoons of psyllium husk (Sat Isabgol) into a cup of warm milk or water and drink.

7. Substitute white rice with brown rice and have a fiber cereal in the morning.

8. Avoid food items that are overcooked, refrigerated, preserved or canned. Replace refined starch food items with whole grain food items.
Useful Resources

* Constipation Cure
This is termed as any problem to bowel movements that may turn into dry stool or the defecation becomes troublesome. About 2-5% of the population is suffering from this one or the other way.
* Triphala for Colon Cleansing and Constipation
Triphala prevent aging, imparts immunity and improves mental faculties. It helps to detoxify the liver, restore digestion and purify blood. Triphala is widely used in a large number of medicinal preparations.

Foods to Avoid in Constipation

There are many types of foods that cause constipation. You should limit or eliminate your intake of these foods in order to prevent the onset of constipation symptoms. While constipation can occur in anyone and is not a serious illness, repeated bouts of constipation can lead to more serious illnesses. Sometimes constipation is a side effect of a medication or illness. If you are taking the medication or suffer from an illness that may involve constipation as a symptom of the illness, you should try to avoid foods that make the risk of constipation higher.

Here are some common foods that cause constipation:

* Milk
* Cheese
* Ice Cream
* Chips
* Pizza
* Instant mashed potatoes
* Pastries
* Cakes
* Cookies
* Fried Foods
* Processed Foods
* Wheat-based Foods
* Red Meat
* Dried Beans

In order to help prevent constipation you should avoid or limit your intake of dairy products, foods that are high in fat content, foods that are high in cholesterol content, and processed foods. Prepared meals that come in boxes is one type of food that causes constipation.
Foods That Help Relieve Constipation

There are many foods for constipation prevention and the relief of the symptoms of constipation:

* Bale fruit - cleans and tones intestines
* Bran products - provides fiber to soften stools
* Guava - provides needed roughage
* Corn syrup - helps to soften stools
* Sugar - helps to soften stools
* Spices - such as cumin, coriander, turmeric powder, fennel, and asafetida makes food easier to digest
* Apple Pectin - provide natural fiber
* Folic Acid - insufficient intake of folic acid can cause constipation
* Honey - natural form of sugar
* Lemon juice - drink with warm water 2-3 times daily

Other hubs on Constipation

* Home Remedies for Constipation
Constipation is not a pleasant feeling and sometimes linked with headache and lack of energy. This hub has covered causes, complications, diet, and home remedies to cure constipation.
* Best Constipation Cures at Home
Constipation refers to a health condition when fewer bowel movements are occurred than it should be. It is indeed an uncomfortable and embarrassing health situation that even require serious medical attention if continues for longer period

Saturday, January 9, 2010

Avoid keyloggers for safe internet banking

Are you safe on your internet banking? Online banking fraud has doubled in the first half of 2009.

Some customers are still falling foul of ‘phishing’ schemes i.e emails that pretend to be from a bank and then direct customers to bogus websites where their passwords are stolen.

But more careful online bank customers are also suffering at the hands of underground hacking technology – ‘Keylogging’ – and is largely held responsible for the rise in online fraud. Unlike Phishing, this is not an attack that alert and sophisticated users can avoid.

A keylogger is a software program or a device designed to secretly monitor and log all keystrokes.

Many keyloggers hide themselves in the system (i.e. they have rootkit functionality), which makes them fully-fledged Trojan programs.

Unlike other types of malicious program, keyloggers present no threat to the system itself. Nevertheless, they can pose a serious threat to users, as they can be used to intercept passwords and other confidential information entered via the keyboard. So any PC – which could even be your home PC – can be vulnerable to keylogging software.

Here are some simple tips you can take to prevent being the next victim of a keylogging attack – after all prevention is definitely better than losing the money in your bank!!

Tip 1 – Have a robust and updated anti virus solution running

Most antivirus companies have already added known keyloggers to their databases, making protecting against keyloggers no different from protecting against other types of malicious program: install an antivirus product and keep its database up to date. However, since most antivirus products classify keyloggers as potentially malicious, or potentially undesirable programs, users should ensure that theirantivirus product will, with default settings, detect this type of malware. If not, then the product should be configured accordingly, to ensure protection against most common keyloggers.

Tip 2 – Use a firewall always

Most keylogger software transmit a “I am alive” message as well as the recorded keystrokes to the bot handler. To detect this, install a personal firewall on your PC and keep a track of the data that is being sent by your PC to the external world.

Configure an alert whenever any data is being transmitted to internet, review the alert and block the file or port if it is a suspicious data packet.

Tip 3 – Use a virtual keyboard

Another method which can be used to protect against both keylogging software and hardware is using a virtual keyboard. A virtual keyboard is a program that shows a keyboard on the screen, and the keys can be ‘pressed’ by using a mouse.

So if your net banking login screen has a virtual keyboard use it always.

The idea of an on-screen keyboard is nothing new – the Windows operating system has a built-in on-screen keyboard that can be launched as follows: Start > Programs > Accessories > Accessibility > On-Screen Keyboard. Unfortunately this emulates keystrokes and sends them to the application that has focus. Even the simplestkeylogger will catch all of the entries from the On screen keyboard as though they were typed.

Thus only specially designed virtual keyboards will prevent keylogging attempts …. we hope that the banks that have deployed virtual keyboards have specifically designed it that way.

Tip 4 – Check the system processes running

At weekly intervals check the system processes running by typing “msconfig” in your Run Command. Note down the processes that are currently running as well as the processes that are configured to automatically Start when your system boots.

Investigate suspicious processes – which is easier said than done !!

Unfortunately, malware processes are rarely named “evil keylogger.exe” !! Often malware, like keyloggers, have names that are similar to other normal processes like svchost.exe, making it difficult to distinguish between a safe process and a malicious one.
Further there are quite a few keyloggers that will not show up at all in the Task Manager process list.
Nevertheless, precaution is better than cure.

Tip 5 – Fool the keylogger – a simple way

Another tip – as suggested by a couple of researchers at Microsoft – is to type your password in random way.
Like if your password is “yourpassword”: Type “password” first then bring cursor to beginning, type “your”. This way you can fool keyloggers.

Tip 6 – Fool the keylogger – a more methodical way
The string of keys sent to the browser will often contain domain names, followed by userid and passwords.
For example the segment www.netbanking.xyz.comiamsafeweak123 tells the logger that user id “iamsafe” has password “weak123” at www.netbanking.xyz.com

So one way of fooling the keylogger is by entering random keys so that they will be seen by the keylogger, but will not affect normal login.The trick lies in the fact that keyloggers employ very low level OS calls. The keylogger sees everything, but it doesn’t understand what it sees. The browser also sees everything, but it doesn’t use everything that it sees: it does not know what to do with keys that are typed anywhere other than the text entry fields, and lets them fall on the floor. Thekeylogger has no easy way to determine which keys are used by the browser and which fall on the floor.

Between successive keys of the password enter random keys. The string that the keylogger receives will contain the password, but embedded in so much random junk that discovering it is not feasible.

Here is the method:

Navigate to the login page desired;

Type in the userid;

In the password field enter the first character of the password, then click somewhere outside the password field on a text (not a hyperlink) and enter some random characters, then click again on the password text field enter a few password characters and repeat this process.

The browser will ignore the random characters entered outside the password field, but the text that the keylogger will record will be something like

www.netbanking.xyz.comiamsafewrfeolsdfadjflkrefj1sdfsd2dfvjl3flsdlf

It involves typing random characters between successive characters of the password, and changing focus to and from the password field using the mouse.

Follow these tips and have a safe online banking experience.

Friday, January 8, 2010

Here are some ways to control Anger

Every day events make us angry – we may be angry at a specific person, event or memories of traumatic events. Anger is a completely normal, usually healthy, human emotion that varies in intensity from mild irritation to intense fury and rage.

However, anger when out of control can have both biological and psychological effects.

Biological effects include release of stress hormones, adrenaline and noradrenaline, leading to increase in blood pressure & heart rate. When this is repeated frequently or sustained over a prolonged period, it gives rise to heart disorders, acidity/gastric ulcers, lowered immunity to heart disorders, acidity/gastric ulcers, lowered immunity to infections and eventually multi-organ disorders.

Psychological effects of anger vary from turbulences in relationship & work impacting overall quality of life to behavioral problems like passive-aggressive personality disorder (getting back at people indirectly, without telling them why, rather than confronting them head-on) or a personality that seems perpetually cynical and hostile.

We are usually taught that it’s all right to express anxiety, depression or any other emotions but not anger. As a result, we don’t learn how to handle it or channel it constructively.

How does one control anger?
The first step is developing awareness, i.e. knowing when we are getting angry. After that handle the anger using the following strategies:

Relaxation Methods

· Deep breathing, meditation, yoga or counting 1 to 10.

· Slowly repeat a calm word or phrase such as “relax”, “take it easy”. Repeat it while breathing deeply.

· Use imagery; visualize a relaxing experience, from either memory or imagination.

Practice any of these techniques daily so that one can use them automatically in a tense situation.

Changing the way we think & act

Timing: If you and your spouse tend to fight when you discuss things at night, perhaps you are tired, distracted or maybe it’s just habit. Try changing the time for discussing important matters to avoid arguments.

Avoidance: If your child’s messy room makes you furious every time you enter it, just shut the door. Don’t make yourself look at what infuriates you. Don’t expect your young child to always keep it clean.

Finding alternatives: If your daily commute through traffic leaves you in a state of rage and frustration, change to a route that is less congested or more scenic. If nothing works, try listening to your favourite music on the way.

Take it Easy

It is important not to be hard on oneself as well as others.

Me-time: Make sure you give some time to yourself in the day. E.g. A working mother may need 15 minutes after work to sit and relax. After this brief quiet time, she would be better prepared to handle demands from her kids without blowing up at them.

Using Humor: Anger is a serious emotion. If we refuse to take the situation seriously, it helps taking the edge off anger and unknots a tense situation. However, don’t give in too harsh or sarcastic humor, as it is another form of unhealthy anger expression.

Look after yourself: Pamper yourself, have good nutritious food, exercise regularly to release feel-good hormones (endorphins). Music, Hobbies & Laughter Therapy go a long way in feeling good.

Professional counseling is advisable if anger is out of control and affecting the quality of life.