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.
Wednesday, February 10, 2010
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.
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.
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
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.
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.
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