Money Talks

Make Money with Online Home Writer

2010-09-07T08:19:00.000+05:30

Get paid well to write online articles, blogs, manuals, newsletters & more! Huge selection of jobs postings are updated daily!

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Make Money Online Products That Sells & Work!

2010-09-07T04:04:00.000+05:30

We offer 100% working make money online & home business products that really works and guarantee income, which makes them an easy sellers for every affiliate. With 75% per sale, you can earn thousands with our products!

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Minting Money Online

2010-09-07T00:28:00.000+05:30

Ultimate Beginner's Guide To Make Money Online - High Conversion Rates - Winning Product! No Refunds!

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Make Money By Making Beats!

2010-09-06T20:32:00.000+05:30

The premier online marketing guide for music producers and beatmakers!

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Make Money Online

2010-09-06T16:21:00.000+05:30

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

2010-09-06T13:15:00.000+05:30

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

2010-09-06T08:43:00.000+05:30

Follow Samantha Milner as she shows you how to create your own internet marketing empire via The Internet Marketing Superclass. Plus Affiliates earn 60% on this top recurring product http://tinyurl.com/yjwz4n5

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Online Money Making Secrets Affiliate Affiliates Financed Notes

2010-09-06T04:40:00.000+05:30

Online Money Making Secrets: Make Money online even if you bought your computer yestersday.

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Online Money Pack

2010-09-06T00:56:00.000+05:30

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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DomainGraduate - Make money online buying Domains

2010-09-05T20:02:00.000+05:30

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

2010-09-05T16:56:00.000+05:30

The Blackjackincome guide is a PDF e-book detailing a powerful and innovative wagering plan. The guide details everything needed to become an 'Advantage' blackjack player and start making regular profits! Paying a generous 60% commission!

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Dsm Publishing Affiliates Earn 60% On Our Top Products

2010-09-05T12:11:00.000+05:30

Earn 60% promoting the one time offer of this top product "The Successful Marketers Bible". Get your affiliate tools today! http://tinyurl.com/yh53p5q make money online the easy way with our great products at Dsm Publishing.

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Turn-Key - Make Money Online - Monster!!!

2010-09-05T07:15:00.000+05:30

Turn-Key Product Builds your Online Money Making Empire in No-time! High Converting Membership Product, customers keep paying! 60% Recurring commissions! Huge affiliate center with sales video, ready made salespages, emails, banners and more!

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1,000 Ways to Make Money

2010-09-05T03:30:00.000+05:30

The Ultimate encyclopedia of money making ideas! Possibly the easiest-to-sell item ever developed for the web!

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The Newbie Blueprint - Make Money Online With No Money!

2010-09-04T22:55:00.000+05:30

Insane 7.84% Squeeze Page Conversion (1:13), $37 Price Increase, 75% Commission Increase - Everything You Need To Know About Making Money Online and Working From Home, Without Having To Invest Anything! - (http://www.TheNewbieBlueprint.com/affiliates.php

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You Can Make Money Writing

2010-09-04T18:11:00.000+05:30

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 Ultimate Safe Money Guide - Make Money Online

2010-09-04T14:21:00.000+05:30

Promote our money making guide and get 75% of every sale. We supply our affiliates with ppc ads, banners, press releas, blog post, signatures, ezines and much more. Take advantage of our marketing tools and generate your affiliate income with us.

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Payday Publishing .com - Make Money Online Products

2010-09-04T11:16:00.000+05:30

Publishers of quality e-books and audio books for personal, professional and lifestyle achievement. 50% commissions. Subjects: make money online, freelancing, home-based business, publishing for profits, affiliate business, Internet marketing, writing.

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The Secret To Making Money Online

2010-09-04T06:51:00.000+05:30

Learn The Secret No One Else Will Tell You On How To Make Instant Money Online. 50% Commissions To Affiliates.

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The Make Money Videos

2010-09-04T02:13:00.000+05:30

A powerful series of 20+ videos designed to hold your hand on the path to making money online.

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Honest Riches-Make Money Online the Honest Way

2010-09-03T21:41:00.000+05:30

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

2010-09-03T18:40:00.000+05:30

Learn the secret behind making fast cash while working online.

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The Best Marketing e-Book to Make Money Online

2010-09-03T14:07:00.000+05:30

Learn how I make money online and how I left my regular job. Earn a full time income on the Internet!

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

2010-09-03T10:31:00.000+05:30

Illustrated eBook walks readers through the process of making money online by rapidly launching small, profitable web sites with Free open source software. Affiliates Earn 70% Of The $50 Sale (earn $35 Per Sale). Excellent Conversions.

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

2010-09-03T06:56:00.000+05:30

If you are still struggling to make money online than you have to see this. I will show you my Affiliate Kung Fu system which makes me at least $1000 week, guaranteed! Affiliates Visit http://www.AffiliateKungFu.com/Affiliates.html

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How To Make Lots Of Money Online - Secrets Revealed

2010-09-03T02:46:00.000+05:30

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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How To Make Money In Today's Economy

2010-09-02T22:42:00.000+05:30

Some 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.

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

2010-09-02T18:17:00.001+05:30

Proven 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.

If you're tired of the gimmicks and skepticism that anyone can really succeed online, this book will give you the no-hype, no-nonsense advice you need.

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How to make money online

2010-06-12T21:18:00.002+05:30

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

How To Reduce High Blood Pressure Naturally ?

2010-02-10T20:34:00.002+05:30

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.

Dating tips for shy guys!

2010-02-06T10:26:00.001+05:30

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

2010-02-06T10:21:00.002+05:30

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.

Some useful computer acronyms

2010-02-01T10:18:00.001+05:30

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 ?

2010-02-01T10:13:00.001+05:30

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.

Use Ayurveda for a healthy and glowing skin

2010-01-29T10:51:00.001+05:30

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

2010-01-29T10:45:00.000+05:30

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.

Useful Information about the Motor Vehicle Act of India

2010-01-27T10:04:00.001+05:30

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.

o Technology, Advantages & Differences between LCD & LED TVs

2010-01-19T10:32:00.003+05:30

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.

These NokiaUniversal Codes will work on most Nokia Mobile Phones

2010-01-18T10:09:00.005+05:30

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

Home remedies for Constipation

2010-01-11T11:52:00.001+05:30

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

Avoid keyloggers for safe internet banking

2010-01-09T10:59:00.001+05:30

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.

Here are some ways to control Anger

2010-01-08T10:42:00.002+05:30

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.

Important Banking Safety Measures & Tips

2010-01-06T13:54:00.002+05:30

Banking Safety Measures & Tips

Following are some very important banking security measures for safe banking and keeping all frauds at bay.

Keep following things in mind while writing or issuing a Cheque

· Fill up your own cheques. Do not rely on anyone else.

· Do not fail to write ‘Account Payee’ or ‘A/c Payee’, unless issued for cash withdrawals.

· Do not leave any space between ‘Pay’ and the name of the payee you write on the Cheque. Similarly, while entering the amount in words, do not leave any space after ‘Rupees’. Draw a line through the unused spaces to prevent any unauthorized additions or altercations.

· Strike out ‘Or Bearer’ unless issued for cash withdrawal.

· Do not leave any space between ‘Rs.’ and the amount in figures that you write. Always remember to specify the ONLY symbol ‘/-’ after the figure you have entered.

· Never Sign a cheque leaving the amount blank.

· Always use a pen with dark or permanent ink.

· Destroy old cancelled cheques, unless needed for taxation purposes.

· While issuing cheque for Credit Card Payment write full Credit Card Number.

· If you are issuing PDC (Post Dated Cheque), make a note of it in your records.

· Keep records of each and every cheque issued.

Handling Emails

· Beware of any e-greetings from any stranger or a ‘well wisher’ not known to you. Simply delete any such emails permanently. Even opening such an e-mail could unleash a virus or a Trojan onto your PC.

· Do not respond to any email asking for any kind of bank details (until you totally trust the sender) especially if it appears to be from the Bank itself. No reputed bank has the policy to ask for any details over email for security reasons.

· Don’t respond to any emails with your any personal details like address, bank name, ac number etc even if it claims that you’ve won a lottery of US$ 5,00,000.

Online Banking

· Do not ever write down your Login ID and Password at any place.

· Keep changing your Password frequently.

· Don’t set passwords which are easily guessable like birth date, cell phone number, anniversary date etc.

· Always set separate Login Password & Transaction Password.

· Always set alphanumeric Passwords ie combination of numbers and alphabets.

· If you have set an email id for Bank & Credit Card Statements, make sure to update it as and when needed.

· Make sure its HTTPS protocol while logging into your bank account.
(Check the address bar for HTTPS instead of usual HTTP)

Mobile Banking

· If possible try to avoid mobile banking as its still more vulnerable as compared to internet banking.

· In case of losing your cell phone, inform your bank immediately.

Microsoft Midori OS - Operating System is coming

2010-01-04T23:58:00.002+05:30

WINDOWS is a name that has ruled the whole computer world since its first launch in November 1985. Since then it is like a trademark of Microsoft Corporation. With many advanced versions of Windows available today such as Windows XP, Windows Vista, it is the most used operating system in the world.

In 2010, Microsoft is going to launch WINDOWS 2007, but now here is time to experience a yet another technology of operating systems. Yes, MICROSOFT is working on a new generation of operating systems called Cloud-Based Operating System and rumors are there that MIDORI will be their first such operating system, which will replace Windows fully from computer map.

WHAT´S THE DIFFERENCE?
MIDORI is an offshoot of Microsoft Research´s Singularity operating system. In this the tools and libraries are completely managed code. MIDORI is designed to run directly on native hardware (x86, x64 and ARM), will be hosted on the Windows Hyper-V hypervisor, or even be hosted by a Windows process. MIDORI can be also seen as MICROSOFT´S answer those competitors who are applying "Virtualization" as a mean to solving issues within contemporary computing.

The main idea behind MIDORI is to develop a lightweight portable OS which can be mated easily to lots of various applications.

IMPORTANCE OF MIDORI
For knowing the importance of MIDORI you have to think about, how an operating system is loaded on a computer. Actually operating system is loaded onto a hard disk physically located on that machine. In this way, the operating system is tied very tightly to that hardware. As Windows is dependent on hardware, it might face opposition from contemporary ways of working because people are extremely mobile in using different devices in order get diverse information.

Due to this trend installing different applications on a single computer may led to different compatibility issues whenever the machine require updating. The new operating system will solve these problems by the concept of Virtualizing. This will solve problems such as widespread security vulnerabilities, unexpected interactions among different applications, failures caused by errant extensions, plug-ins, and drivers and many more.

ERIC RUDDER, Senior Vice President, Technical Strategy The importance of this project for MICROSOFT can be understood by the fact that company choose Eric Rudder , former head of Microsoft´s server and tools business and a key member of Chairman Bill Gates´ faction of the company, to handle it.

WHEN WILL IT BE LAUNCHED?
Just Wait and See. Microsoft has not declared any such date about launching of MIDORI, but there are rumors that this project is in incubation phase.

What are the causes of varicose veins?

2010-01-02T11:32:00.002+05:30

Comfortable and sedentary life-style, modern fashion, special postures adopted while performing professional duties have contributed to increased incidence of diseases unheard-of in the past. Varicose vein is one of them and is a direct result of sedentary life-style. In India, 40% women and 20% men develop varicose veins in the age group of 30-60 years.

What is a varicose vein and how does it develop?
Veins are blood vessels carrying de-oxygenated (impure) blood from different parts of the body to the heart. They contain valves to ensure that blood flows in only one direction without any back flow. Due to some reason, if these valves do not function efficiently, there is a backflow and blood tends to accumulate in the veins making them abnormally thick, full of twists and turns or enlarged; such veins are called varicose veins.

Varicose Vein Legs

Where do varicose veins commonly develop?
They often show up on the legs, ankles and feet as they are farthest from the heart. Gravity pulls blood down into your legs and feet when you’re standing up or sitting down. So the veins have to work extra hard to get that blood back up tothe heart, and some of those veins can wear out over time.

What are the predisposing factors to develop varicose veins?

· Obesity

· Lack of exercise

· Females are more prone to develop varicose veins

· Increasing age

· Prolonged standing or sitting with legs down

· Abnormal pressure on veins during pregnancy

· Hormonal changes during menopause

What are the symptoms of varicose veins?

· Thickened, twisted, dilated, bluish veins below the skin.

· Pain, heaviness and tiredness in the legs

· Itching, irritation or rashes on the skin

Do varicose veins cause any health problems?

· Rashes, soreness and ulcers on the overlying skin tissue.

· The pooling of blood in these veins cause slow return of the blood to the heart. Clots can develop in the blood which can block the smaller blood vessels of vital organs like heart, lungs or brain.

· The veins could rupture and cause heavy bleeding.

· Phelibitis i.e. inflammation of the vein.

How are varicose veins treated?

Cases without complications:

· Regular exercises to improve the circulation and building muscle strength around the varicose veins.

· Reducing weight in case of obese individuals.

· Avoiding prolonged standing or sitting with legs hanging down. Ensure that your legs are raised while sitting & sleeping.

· Wearing elastic support stockings.

Cases with complications:

· Sclerotherapy: A solution is injected into the vein which causes the vein walls to stick together and shut the flow of blood. The vein turns into a scar tissue.

· Laser treatment is more effective for small spider veins in the legs.

· Surgical ligation and stripping of the varicose veins.

· Endoscopic vein surgery.

· Radiofrequency ablation.

Mouth cancer is increasing among young adults

2009-12-31T10:58:00.004+05:30

About 85% of oral cancer occurs due to abuse of tobacco (smoke and smokelesschewing) or alcohol. But what is alarming the doctors about India’s tobacco-mouth cancer graph is that now youngsters below 30 years of age from 20% of the patient pool.

“The youngest boy whose tongue was operated was 13 years old,’’ says Dr Pankaj Chaturvedi, head and neck cancer surgeon at Tata Memorial Hospital. He remembers a 28-year-old woman who started using gutka as a pain killer during a toothache at 15 years of age.

While people below 25 years of age being afflicted by the disease is rare, Dr Chaturvedi is worried that as the youth get increasingly addicted to the cheap tobacco-based products, the cancer numbers too will increase. Incidentally, in 1999, the Journal of Indian Medical Association reported an unusually high incidence of oral submucous fibrosis—a stage that predates cancer by five years—among younger individuals.

The article’s author, Dr P C Gupta, then with the epidemiology research unit of the Tata Institute of Fundamental Research in Colaba, wrote that “there are several recent reports in the literature predicting an increase inmouth cancer incidence in India. This prediction is based upon observation of an increasing prevalence of oral submucous fibrosis, especially in younger individuals, caused by gutka, an industrially manufactured food item’’.
A walk through the wards and the out-patients department of Tata Memorial Hospital tells the story of an ignored epidemic.

In the Tata Memorial Hospital’s OPD, every patient has a similar story to tell: years of consuming gutka, khaini, areca-nut or smoking cigarettes or bidis. “Almost all the patients in the OPD havemouth cancer caused due to tobacco abuse,’’ says the doctor.

Head And Neck Cancers
They encompasses a wide range of tumours that occur in the head and neck region, including the nasal passages, sinuses, mouth, throat, larynx, swallowing passages, salivary glands and the thyroid gland. People who use tobacco or drink alcohol excessively are much more likely than others to develop the disease

Oral Cancer arises in the mouth. It includes the lips, the gums and the area behind the wisdom teeth, the inside of the lips and cheeks, the floor and roof of the mouth, and the front two-thirds of the tongue

Laryngeal Cancer begins in the larynx or the voice box. It sits at the top of the trachea, the tract that leads to the lungs

Nasal Cavity & Paranasal Sinus Cancers are found in the tissues that line these hollow structures. The paranasal sinuses are hollow areas in the bones of the face near the nose that produce mucus

Nasopharyngeal Cancer is found in the nasopharynx, the uppermost portion of the throat

Oropharyngeal Cancer is found in the section of the throat (oropharynx) located just beyond the mouth. The region includes the base of the tongue, the soft palate (the soft area just beyond the roof of the mouth), and the area around the tonsils

Hypopharyngeal Cancer is found in the hypopharynx, the uppermost portion of the oesophagus (the tube through which food travels to the stomach)

Salivary Gland Cancer is found in the salivary glands, the structures that produce saliva to keep the mouth from drying, and aid in digestion of food

Treatment
It may include surgery, radiation therapy, or chemotherapy. When surgery is extensive, reconstruction of the area is often possible. For example, in cases where the jaw bone is removed, a surgeon can fashion a new jaw using bone from the patient’s own leg. Dental implants can be used to replace teeth

Death Clock
According to Smokefree Mumbai Campaign, an endeavour of the BMC along with NGOs. Since Thursday, January 01, ’09 15,668 Mumbaikars have died due to smoking related causes

Rising Numbers
The excess number of deaths among adult smokers in 2010 will be about 930,000
That includes 580,000 deaths among men and 90,000 deaths among women between the ages of 30 and 69 years
- Projections Based on Study in India and Canada

Bidi Menace
6,00,000 lives are lost in India every year due to the bidi habit says the Bidi Monograph entitled, Bidi Smoking and Public health, released by the government of India in May 2008

SYMPTOMS

· A sore in the mouth that won’t heal or bleeds easily

· Frequent nosebleeds, ongoing nasal congestion, or chronic sinus infections that don’t respond to treatment

· Persistent sore throat, hoarseness or a change in the voice

· Pain in the neck, throat or ears that won’t go away

· Blood in the sputum

· Difficulty chewing, swallowing, or moving jaws or tongue

· Loosening of teeth

Very Important Security Tips for Online Activities

2009-12-28T11:45:00.001+05:30

The usage of internet is increasing worldwide by leaps and bounds so the risk involved with it. Some of the biggest scams are happening online. The virtual world is very fragile if you ignore and do not take precautionary measures. Here’s a list of tips for online security and making our online appearance safer.

1. Never respond to any email from unknown sender even if it claims that you’ve won a lottery of US $ 500,000.Simply delete it immediately even from your trash.

2. Never share your email id without any solid reason. Create separate email ids for online shopping, official works and social networking.

3. Don’t ever note down your password especially in digital format. Your computer data can be accessed by virus or malwares.

4. Whenever you forward emails to friends, make use of BCC (Blind Carbon Copy). BCC makes all email ids invisible to all recipients. Don’t let email ids of all your friends display in email itself. This practice can reduce spamming at least by 50%.

5. Don’t click on any link in an email id from unknown sender.

6. If you use your credit card for online shopping, always use a LOW LIMIT CREDIT CARD. A Low Limit Credit Card reduces your chances of any big monetary loss even if it’s hacked.

7. Never ever copy any sensitive data like credit card no, ac no, password etc by pressing CTRL + C or right click option. When you copy any data in your PC, it’s copied in clipboard which is accessible by websites using simple JavaScript.

Thinks twice before clicking on 'Allow Access'

8. If you are looking for any online work don’t ever pay money to sites asking for registration before giving you work like data entry or MLM (multi level marketing). They are fake. Use your brain, Why you should pay if you want to work for them? Did you ever pay to your employer for working with them?

9. Use reputed portals for online shopping. Always look for HTTPS in address bar when entering your bank account details or credit card details.

10. Don’t blindly accept any friendship requests. Make sure you know the person individually before accepting any friendship requests on orkut, facebook or any other social networking site.

Ginger as a Natural Cold Remedy

2009-12-25T10:45:00.002+05:30

Ginger is used in most of the places as a remedy for sickness. It has been a famous addition to energy drinks because of its properties. The ginger root can be used to prevent cough, nausea and sore throat. It can also be used to keep your body energetic. Ginger when used in the tea during the winter season gives a better taste and very beneficial to the body. Moreover, ginger is readily available in the market with the affordable price.

Drinking the tea containing ginger on daily basis is vey good for health. The ginger tea can provide energy, improves the digestive system and helps in getting rid of the cold and cough. Thus, the ginger tea is a very healthy drink which should be drunk on the daily basis as it can easily refresh your soul.

There are several other benefits of ginger which are explained below. Ginger is very useful for the motion sickness. It helps in improving the circulation of the blood. It is also helpful in inflammation and the chronic pain. The ginger can provide relief from the stomach cramps and reduces the menstrual pain. The relief from morning sickness and heartburn can be obtained by taking ginger. The regulation of blood sugar can be maintained as well as the immune system can be enhanced by its consumption.

While taking ginger, ensure that you do not overdose it. If it has been taken in more quantity, then it can cause sleepiness or dizziness.

Ginger is used in most of the places as a remedy for sickness. It has been a famous addition to energy drinks because of its properties. The ginger root can be used to prevent cough, nausea and sore throat. It can also be used to keepyour body energetic. Ginger when used in the tea during the winter season gives a better taste and very beneficial to the body. Moreover, ginger is readily available in the market with the affordable price.

Inspiring tale of a Champion Soccer Player

2009-12-23T23:28:00.001+05:30

Go for the Goal: a Champion’s Guide to Winning in Soccer and Life is the inspiring autobiography of Mariel Margaret Hamm, whom everyone knows mostly as “Mia,” arguably the best women’s soccer player in the world. In her down-to-earth style and no mincing at words, she gives a vivid account of all that happened with her in all those years she was growing up to be what she was eventually going to be. She is brutally honest in admitting that she is yet to be the greatest player; yet she knows she’ll be one only because everyone was already naming her as one.

Every prospective young soccer player anywhere in the world should take a leaf out of her book by reading closely what she has to say. It communicates directly to them by showing how to face players much older and more skilful than them, how to survive the taunts and trials for a player who is just beginning and yet has a dream of being a fine soccer player. Not only is the book an easy read, it does not blabber much on difficult to understand terms about soccer. A reader with no knowledge of soccer can still be inspired to be one. And there is a glossary at the end of the book clearly illustrating terms on soccer she has used which the reader may not clearly understand. The training tips and drills can be so useful and inspiring to anyone who is not even playing soccer.
One other fact she mentions showed to me why she is such a great champion. She talks of the importance of “teamwork” in playing matches. She is so humble and down-to-earth in knowing and realizing about this quality. For it is teamwork alone that can win matches, be it any sport. And she admits it openly.
“Goal” is an inspiring tale of a super soccer player and great human being. I would strongly recommend everyone to read it. “Mia Hamm” is an institution by herself and I salute her for her contribution.

Easy 10 seconds quiz!

2009-12-21T01:51:00.002+05:30

Friends!

Take a look here...

The Quiz reinforces learning through simulation and practice. Instead of just presenting a manual-type of instructions, the Quiz removes the need to switch back and forth between the text and the actual program. The Quiz takes you into learning the commands by their actual location in the program. Every time you answer a question correctly, you are reinforcing your knowledge with the location of that command in the program. In the event that you really don't know the correct answer, you have the option to watch a quick video to give you an idea of what that command does and where it's located.

Here is the link again...http://easy10seconds.com/

Thank you.

Drink water on empty stomach

2009-12-13T01:30:00.002+05:30

DRINK WATER ON EMPTY STOMACH
Did you know that a few glasses of water everyday at daybreak can keep the doctor away? Read on..

Today it is popular in Japan to drink water immediately after waking up every morning. Furthermore, scientific tests have proven a its value. I am posting below a description of use of water for our readers. For old and serious diseases as well as modern illnesses the water treatment had been found successful by a Japanese medical society as a 100% cure for the following diseases:

Headache, body ache, heart system, arthritis, fast heart beat, epilepsy, excess fatness, bronchitis asthma, TB, meningitis, kidney and urine diseases, vomiting, gastritis, diarrhea, piles, diabetes, constipation, all eye diseases, womb, cancer and menstrual disorders, ear nose and throat diseases.

METHOD OF TREATMENT

1. As you wake up in the morning before brushing teeth, drink 4 x 160ml glasses of water

2.. Brush and clean the mouth but do not eat or drink anything for 45 minute

3.. After 45 minutes you may eat and drink as normal.

4.. After 15 minutes of breakfast, lunch and dinner do not eat or drink anything for 2 hours

5.. Those who are old or sick and are unable to drink 4 glasses of water at the beginning may commence by taking little water and gradually increase it to 4 glasses per day.

6.. The above method of treatment will cure diseases of the sick and others can enjoy a healthy life.

The following list gives the number of days of treatment required to cure/control/ reduce main diseases:

1.. High Blood Pressure - 30 days

2. Gastric - 10 days

3.. Diabetes - 30 days

4.. Constipation - 10 days

5.. Cancer - 180 days

6.. TB - 90 days

7.. Arthritis patients should follow the above treatment only for 3 days in the 1st week, and from 2nd week onwards - daily.

This treatment method has no side effects, however at the commencement of treatment you may have to urinate a few times.

It is better if we continue this and make this procedure as a routine work in our life.

Drink Water and Stay healthy and Active.

This makes sense .. The Chinese and Japanese drink hot tea with their meals ...not cold water. Maybe it is time we adopt their drinking habit while eating!!! Nothing to lose, everything to gain...

For those who like to drink cold water, this article is applicable to you.

It is nice to have a cup of cold drink after a meal. However, the cold water will solidify the oily stuff that you have just consumed. It will slow down the digestion.

Once this "sludge" reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food. It will line the intestine. Very soon, this will turn into fats and lead to cancer.It is best to drink hot soup or warm water after a meal.

A serious note about heart attacks: Women should know that not every heart attack symptom is going to be the left arm hurting.

Be aware of intense pain in the jaw line.

You may never have the first chest pain during the course of a heart attack.

Nausea and intense sweating are also common symptoms.

60% of people who have a heart attack while they are asleep do not wake up.

Pain in the jaw can wake you from a sound sleep. Let's be careful and be aware. The more we know, the better chance we could survive.

Information on the human blodd

2009-12-10T12:07:00.001+05:30

Here are a few interesting details of our blood. Take a look...

1) A woman has approximately 4.5 litres of blood in her body, while men have 5.6 litres.

2) The kidneys filter over 1515 litres of blood every day.

3) If you could stretch out all of a human's blood vessels, they would be about 96,560 km. long. That's enough
to go around the world twice.

4) Blood accounts for about 7% of a human's body weight.

5) A newborn baby has about 0.23 litre of blood in his/her body.

6) Two million red blood cells die every second.

7) By donating just one pint (1.75 litres) of blood, four lives can be saves.

8) One unit of blood can be separated into several components: red blood cells, plasma, platelets and
cryoprecipitate.

9) Red blood cells carry oxygen to the body's organs and tissues.

10) Red blood cells live about 120 days in the circulatory system.

11) Platelets promote blood clotting and give those with leukemia and other cancers a chance to live.

12) Plasma is a pale yellow mixture of water, proteins and salts.

13) Plasma, which is 90 percent water, makes up 55 percent of blood volume.

14) Healthy bone marrow makes a constant supply of red cells, plasma and platelets.

15) There is no substitute for human blood.

India is the Diabetic capitol of the world!

2009-12-07T14:34:00.003+05:30

* According to reliable estimates nearly 10% of diabetics have Insulin dependent or type I Diabetes. Moreover, 7% of type II Diabetics may eventually require Insulin. This means that as many as 7 million people in India require Insulin to manage their Diabetes.
* On an average an Insulin dependent patient has to take as many as 60,000 injections throughout his life to keep his diabetes in check.
* A large number of Insulin dependent patients tend to discontinue treatment owing to unpleasant side effects of injectable Insulin, notably Hypoglycemia.
* Diagnosis and management of diabetes is critical because diabetes and cardiovascular risks often affect the same patient populations.

Quite clearly Diabetes is acquiring epidemic proportions in the country.

It merits mention that any effective strategy aimed at countering Diabetes has to be necessarily an all - encompassing one. It is therefore eminently desirable to consider all aspects of the diabetes problem. An aspect that has so far received less attention than it deserves is what may be called 'compliance to treatment'. Statistics have it that a large number of Insulin dependent people discontinue treatment on account of the side effects that injectable Insulin brings on.

Diabetes is a condition in which the body either does not produce sufficient amounts of the hormone Insulin or does not respond to the Insulin produced. This leads to high blood sugar levels leading eventually to life threatening complications.

The rationale behind the treatment is quite simple. If your body is not producing Insulin, it needs to be provided from the outside. As of now the only recommended way of doing that is to inject it subcutaneously (under the skin) from where it is absorbed quickly. If, on the other hand, your body is resistant to the Insulin that it produces, you need to lower that resistance. This is achieved through drugs known as Oral Hypoglycemic (sugar - lowering) Agents.

Insulin injected subcutaneously (under the skin) and finding its way quickly into the blood has a potential of causing what is known as Hypoglycemia (dangerously low levels of blood sugar, which may prove fatal), characterized in the initial stages by manifestations like sweating, palpitations, anxiety and pallor and in the later stages by slurred speech, paralysis, coma and even death. This effect is not seen with drugs, which reach the blood much more slowly. That explains why many people on injectable Insulin tend to discontinue treatment. It goes without saying that a discontinuation of treatment has serious repercussions in terms of final outcomes in a condition like diabetes.

Cutting edge clinical research is endeavoring to bypass this problem. Researchers throughout the world are continuously striving to come up with newer methods of Insulin delivery - methods that would help avoid episodes of hypoglycemia.

Oral Insulin is an exciting development in this connection. Developed by an American biopharmaceutical company, is already being used patients, delivers Insulin through the Buccal Mucosa (the inside lining of the mouth).

It is emerging as an exciting prospect for researchers and clinicians alike for it is possible to control the number of puffs thus the quantity of insulin delivered to the body In addition to the possibility of averting episodes of Hypoglycemia, oral Insulin also offers ease of administration and convenience as also freedom from the all too frequent and annoying needle pricks.

The device design makes it possible for patients to carry Oral-Insulin device in their coat pockets or hand bags and doesn't require refrigeration. The ease of using the device doesn't require privacy that is needed to administer an insulin injection.

Says Dr. Vijaya Sarathi, Diabetologist, Kem Hospital, Mumbai, "Oral insulin is an alternative mode of insulin delivery, because of less bio-availability the dose required is high. Efficacy and potency is same this is best suited for those requiring less dose of insulin. Oral Insulin has the potential of ensuring better patient compliance since it doesn't have to be injected. Better compliance lead to improved glycemic control and thus minimize the serious diabetic complications such as diabetic foot etc. Moreover, the chances of hypoglycemia with oral Insulin are significantly lower compared with Injectable Insulin" The key design advantage is Insulin is not delivered to the lungs as in other non-injectable insulin systems.

As of now Injectable Insulin is the mainstay of treatment for people with type 1 or Insulin Dependent Diabetes Mellitus. In exploring alternatives we are, of course, seeking better compliance and freedom from side effects. What we are also seeking is an evolving treatment modality that helps us vanquish the disease completely in near future.

The Diabetes-Reversing Breakthrough. The Most Effective Diabetes-Reversing Resource Currently Available On Planet Earth. A Scientifically Proven Program That Normalizes Your Blood Sugar And Eliminates Your Diabetes Drugs And Insulin Shots! Guaranteed!
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Loose weight weight fast

2009-12-07T12:19:00.005+05:30

Here are 5 ways to lose weight. And they are all not even about doing exercises...

We all know that if we want to lose weight than we have to burn off more calories than we take in. It’s a simple equation that most of us can understand. Getting ourselves to actually do the work necessary to burn calories isn’t always quite so easy though. A lot of people find it difficult because they think that it means that they have to exercise every day. It’s definitely important to get enough exercise if you want to burn calories to lose weight. However, that’s not the only thing that you should be doing to burn calories. Believe it or not, there are a lot of other things that you can do to burn calories other than just your standard trip to the gym.

Here are five great ways to burn calories on a daily basis:

1. Eat to Burn Calories.
You already know that you have to eat properly if you want to lose weight. But were you aware of the fact that there are a lot of foods that you can eat that will actually assist you in burning more calories? If you eat smart, you can burn more calories even as you take calories in to get energy. What a great concept. Some of the tips that you’ll want to follow if you’re going to eat to burn calories include:

• Eat often but make the meals small ones. There are some experts who believe that eating frequently assists you in burning more calories than you would burn if you ate the same amount of food in just one or two sittings. The reason for this is that you are working your digestive system every time that you eat. Those experts say that each time you start a meal, you burn up some calories by igniting your digestive system. If you only eat once or twice per day then you only burn those calories once or twice. If you eat five or six times per day then you’ll burn more calories. The trick is to make sure that you keep your meals small so that you aren’t taking in more calories while you do this.

• Eat breakfast. You want to get started right away with those digestion burning calories. You shouldn’t skip breakfast for a number of reasons anyway. Doing so is definitely linked to weight gain with a few different causes to blame. Think about this when you’re trying to burn calories each day.

• Eat protein. The body has to work harder to digest protein than to digest other foods. This means that you’re burning more calories when you eat it. Choose protein that’s as low in calories as possible to get the most benefit.

• Burn some calories to get your meal. It’s the little things that we do all day long that help us to burn more calories. If you order your food as a delivery meal then you’re not burning as many calories as you would if you went toget your food. If you get a pre-made sandwich instead of walking around the kitchen to make your own sandwich then you’re not burning as many calories as you could. Think about how to burn calories while you’re getting food and eating it.

2. Drink to Burn Calories
It isn’t just the food that we take in that can help us with burning more calories. If we choose the right drinks then they can also act as calorie-burners. There are two really important drinks that we want to get used to having daily if we’re going to drink to burn calories: water and tea.

Water is really important for our bodies and for weight loss. The body works to absorb and use water and it’s burning calories the whole time that you do that. Most people don’t drink enough liquid at all. You should increase your liquid intake to help burn calories throughout the day. The liquid you choose should be water since this helps you to burn those calories without taking in new calories. With all of the other benefits water has for your body, this is really a win-win situation.

When water just isn’t going to satisfy you then your next best choice for a beverage is green tea. Green tea has been shown to have calorie-burning properties. When you drink green tea, you burn more calories than you take in. If you don’t like green tea then you can also burn calories by drinking caffeinated black tea. However, green tea is a better choice. Remember that you lose out on the calorie-burning benefits of tea if you add milk or sweeteners to it.

3. Chew Gum
You might not think that you would burn a lot of calories just by chewing gum. However, that extra action for your mouth can end up resulting in a lot of calories burned if you’re chewing gum all day every day. You’ll want to choose no-calorie gum to get the benefits of burning those calories. And you’ll want to discuss this with your dentist since chewing gum all day may be bad for some people’s teeth. It’s a neat little trick to add to your repertoire of burning calories though.

4. Move Quickly and Often
Ultimately you’re going to need to move to really burn some calories. Get in the habit of doing all of your daily activities with just a bit more speed and energy than you usually do and you’ll find yourself burning off more calories than you did in the past. Simply speeding up your walking pace is a good start. Do your house chores with intensity instead of doing them in the lazy manner that you’re probably accustomed to. By working this type of non-exercise exercise into your daily routine, you’re naturally going to burn a lot of calories without feeling like you’re doing too much work.

5. Exercise
Finally, there is the thing that will burn the most calories and that’s exercise. What you should do is to make sure that you choose forms of exercise that you truly enjoy. This will allow you to do them often in order to burn calories while still enjoying each day.

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Tell them you don't want easy credit

2009-12-06T20:20:00.002+05:30

Did they come to your campus today offering hats, T-shirts, food, drinks or other goodies just for filling out a credit card application?

Think carefully before taking this bait, because it will get you on the hook - perhaps to the tune of thousands of dollars. And don't count on your school for support in this matter - it may be raking in millions of dollars in fees for allowing these hucksters to try to lure you into signing up with them.

Here is how you can say NO to credit that is just too easy.

1. Step 1

Read the booklet that comes with the application - carefully - before completing any credit card applications. Don't let the lure of free food or drinks tempt you into filling one of these out without knowing its terms. Ask the marketer in front of you about the rates that will kick in after the teaser rate expires. If they can't answer any of your questions, walk away immediately.
2. Step 2

Take the time to thoroughly shop around for the best credit card deal. The ones being hawked on your campus probably have much higher rates than cards that could be just as available to you if you look around. Bankrate.com (see Resources below) indicates that the rates for college students can range anywhere from 10 to 23 percent, but the cards offered to college kids usually charge at least 3 to 4 percent more than other cards.
3. Step 3

Think very carefully about what you need a credit card for. It is not a good idea at all to use them to pay for beer, bar tabs, pizza and clothes each month, unless you can pay the balance off in full. Remember that you are young and will probably graduate with enough debt without having a sizable credit card balance to pay off as well!
4. Step 4

Ask your student services department whether they will sell your contact information to credit card marketers. If so, be prepared to receive numerous phone calls, mailings and email messages offering credit card deals. Ask if you can have your name removed from these lists and block your email. You may need to contact your alumni association to do this; they are often the ones who cut these deals with the credit card companies.
5. Step 5

Be wary of co-branded cards that have your school logo on them. Although this may seem like a show of school spirit, these cards often have much higher rates and fees than other cards. Regardless of what kind of card you use, be sure to make your monthly payments on time to avoid unnecessary service charges and late fees.

Tips & Warnings

*
If you're not sure how much credit card debt you can carry, open an account on a website like mint.com, where you can input all of your debts and assets and cash flow so that you can get a clear picture of your financial situtation at all times. A good rule of thumb to remember is that your revolving debt payments should probably not exceed 25% of your disposable income (15% is a better number.)
*
Remember the rule of 72: Divide 72 by your rate of interest, and the quotient is the number of years that it will take for your debt to double. If your credit card charges 12% interest, then it will take 6 years for your card balance to double. Therefore a $20,000 balance when you graduate could easily become twice that by the time you're 30 if you only make the minimum payments.

Which phobia do you have ? Here is the list...

2009-12-06T12:16:00.001+05:30

PHOBIA COMES FROM THE GREEK WORD PHOBOS WHICH MEANS IRRATIONAL FEAR!

The Phobias have been arranged in alphabetical order.

A (fear of)

ablutophobia : washing or bathing
acarophobia : itching
acerophobia : sourness
achluophobia: darkness
acousticophobia : noise
acrophobia : heights
aeroacrophobia : open high places
aeronausiphobia: vomiting secondary to airsickness
aerophobia : drafts, air
aeruophobia : flying
agliophobia : pain
agoraphobia : open spaces
agraphobia: sexual abuse
agrizoophobia : wild animals
agyrophobia : streets or crossing the street
aichmophobia : needles or pointed objects
ailurophobia : cats
albuminurophobia : kidney disease
alektorophobia : chickens
algophobia : pain
alliumphobia : garlic
allodoxaphobia : opinions
altophobia : heights
amathophobia : dust
amaxophobia : riding in a car, or vehicles
ambulophobia : walking
amnesiphobia : amnesia
amychophobia : scratches or being scratched
anablephobia : looking up
ancraophobia : wind
androphobia : men
anemophobia : air drafts or wind
anginophobia : angina, choking or narrowness
anglophobia : England, English culture, etc
angrophobia : becoming angry
ankylophobia : immobility of a joint
anthophobia : flowers
anthrophobia : people
anthropophobia : people or society
antlophobia : floods
anuptaphobia : staying single
apeirophobia : infinity
aphenphosmphobia : being touched
apiphobia : bees
apotemnophobia : persons with amputations
arachibutyrophobia : peanut butter sticking to the roof of the mouth
arachnophobia : spiders
arithmophobia : numbers
arrhenphobia : men
arsonphobia : fire
asthenophobia : fainting or weakness
astraphobia : thunder and lightning
astrophobia : stars and celestial space
asymmetriphobia : asymmetrical things
ataxiophobia : ataxia (muscular in coordination)
ataxophobia : disorder or untidiness
atelophobia : imperfection
atephobia : ruin or ruins
athazagoraphobia : being forgotten or ignored
atomosophobia : atomic explosions
atychiphobia : failure
aulophobia : flutes
aurophobia : gold
auroraphobia : northern lights
autodysomophobia : one that has a vile odor
automatonophobia : ventriloquist dummies or wax statues
automysophobia : being dirty
autophobia : being alone or of oneself
aviophobia : flying

B (fear of)

bacillophobia : microbes
bacteriophobia : bacteria
bactrachophobia : reptiles
ballistophobia : missiles or bullets
barophobia : gravity
basophobia : inability to stand
bathophobia : depth
batonophobia : plants
batophobia : heights
batrachophobia : amphibians
belonephobia : pins and needles
bibliophobia : books
blennophobia : slime
bogyphobia : the bogeyman
Bolshephobia : Bolsheviks
botanophobia : plants
bromidrosiphobia : body smells
brontophobia : thunder and lightning
bufonophobia : toads

C (fear of)

cacophobia : ugliness
cainophobia : newness, novelty
caligynephobia : beautiful women
carcinophobia : cancer
cardiophobia : the heart
carnophobia : meat
catagelophobia : being ridiculed
catapedaphobia : jumping from high and low places
cathisophobia : sitting
catoptrophobia : mirrors
cenophobia : new things or ideas
ceraunophobia : thunder
chaetophobia : hair
cheimaphobia or cheimatophobia : cold
chemophobia : chemicals
cherophobia : gaiety
chionophobia : snow
chiraptophobia : being touched
cholerophobia : anger
chorophobia : dancing
chrometophobia : money
chromophobia : colors
chronomentrophobia : clocks
chronophobia : time
cibophobia : food
claustrophobia : enclosed spaces
cleisiophobia : being locked in
cleptophobia : stealing
climacophobia : stairs
clinophobia : going to bed
clithrophobia : being enclosed
cnidophobia : stings
coimetrophobia : cemeteries
cometophobia : comets
contreltophobia : sexual abuse
coprastasophobia : constipation
coprophobia : feces
coulrophobia : clowns
cremnophobia : precipices
cryophobia : extreme cold, ice or frost
crystallophobia : crystals or glass
cyberphobia : computers or working on a computer
cyclophobia : bicycles
cymophobia : waves or wave like motions
cynophobia : dogs

D (fear of)

decidophobia : making decisions
defecaloesiophobia : painful bowel movements
deipnophobia : dining
dementophobia : insanity
demonophobia : demons
demophobia : crowds (Agoraphobia)
dendrophobia : trees
dentophobia : dentists
dermatophobia : skin lesions
dermatosiophobia : skin disease
dextrophobia : objects at the right side of the body
diabetophobia : diabetes
didaskaleinophobia : going to school
dikephobia : justice
dinophobia : dizziness
diplophobia : double vision
dipsophobia : drinking
dishabiliophobia : undressing in front of someone
domatophobia : houses or being in a house
doraphobia : fur or skins of animals
dromophobia : crossing streets
dutchphobia : the Dutch
dysmorphophobia : deformity
dystychiphobia : accidents

E (fear of)

ecclesiophobia : church
eicophobia : home surroundings
eisoptrophobia : mirrors or seeing oneself in a mirror
electrophobia : electricity
eleutherophobia : freedom
elurophobia : cats (Ailurophobia)
emetophobia : vomiting
enetophobia : pins
enochlophobia : crowds
enosiophobia : committing an unpardonable sin
entomophobia : insects
eosophobia : dawn or daylight
epistaxiophobia : nosebleeds
epistemophobia : knowledge
equinophobia : horses
eremophobia : being oneself
ereuthrophobia : blushing
ergasiophobia : surgical instruments
ergophobia : work
erotophobia : sexual love
erythrophobia : the color red
euphobia : hearing good news
eurotophobia : female genitalia

F (fear of)

febriphobia : fever
felinophobia : cats
Francophobia : France, French culture
frigophobia : cold

G (fear of)

galeophobia: cats
gallophobia or galiophobia: fear France, French culture
gamophobia : marriage
gatophobia : cats
geliophobia : laughter
geniophobia : chins
genophobia : sex
genuphobia : knees
gephyrophobia : crossing bridges
gerascophobia : growing old
germanophobia : Germany, German culture
gerontophobia : old people or of growing old
geumaphobia : taste
glossophobia : speaking in public
gnosiophobia : knowledge
graphophobia : writing
gymnophobia : nudity
gynophobia : women

H (fear of)

hadephobia : hell
hagiophobia : saints or holy things
hamartophobia : sinning
haphephobia : being touched
harpaxophobia : being robbed
hedonophobia : feeling pleasure
heliophobia : the sun
hellenologophobia : Greek terms
helminthophobia : worms
hemophobia : blood
herpetophobia : reptiles
heterophobia : the opposite sex (sexophobia)
hierophobia : priests
hippophobia : horses
hippopotomonstrosesquippedaliophobia : long words
hobophobia : bums or beggars
hodophobia : road travel
homichlophobia : fog
homilophobia : sermons
hominophobia : men
homophobia : homosexuality
hoplophobia : firearms
hormephobia : shock
hydrargyophobia : mercurial medicines
hydrophobia : water
hydrophobophobia : rabies
hyelophobia or hyalophobia : glass
hygrophobia : liquids, dampness, or moisture
hylephobia : materialism
hylophobia : forests
hypegiaphobia : responsibility
hypnophobia : sleep
hypsiphobia : height

I (fear of)

iatrophobia : doctors
ichthyophobia : fish
ideophobia : ideas
illyngophobia : vertigo
insectophobia : insects
iophobia : poison
isolophobia : solitude, being alone
isopterophobia : termites
ithyphallophobia : erection

J (fear of)

Japanophobia : Japanese
Judeophobia : Jews

K (fear of)
kainolophobia : novelty
kakorraphiaphobia : failure
katagelophobia : ridicule
kathisophobia : sitting down
kenophobia : voids
keraunophobia : thunder
kinetophobia : movement or motion
kleptophobia : stealing
koinoniphobia : rooms
koniophobia : dust (Amathophobia)
kopophobia : fatigue
kosmikophobia : cosmic phenomenon
kymophobia : waves
kynophobia : rabies
kyphophobia : stooping

L (fear of)

lachanophobia : vegetables
laliophobia : speaking
leprophobia : leprosy
leukophobia : the color white
levophobia : things to the left side of the body
ligyrophobia : loud noises
lilapsophobia : tornadoes and hurricanes
limnophobia : lakes
linonophobia : string
liticaphobia : lawsuits
lockiophobia : childbirth
logizomechanophobia : computers
logophobia : words
luiphobia : syphilis
lutraphobia : otters
lygophobia : darkness
lyssophobia : rabies or of becoming mad

M (fear of)

macrophobia : long waits
mageirocophobia : cooking
maieusiophobia : childbirth
malaxophobia : love play
maniaphobia : insanity
mastigophobia : punishment
mechanophobia : machines
megalophobia : large things
melanophobia : the color black
melissophobia : bees
melophobia : fear or hatred of music
meningitophobia : brain disease
menophobia : menstruation
merinthophobia : being bound or tied up
metallophobia : metal
metathesiophobia : changes
meteorophobia : meteors
methyphobia : alcohol
metrophobia : fear or hatred of poetry
microbiophobia : microbes (bacillophobia)
microphobia : small things
misophobia : being contaminated with dirt of germs
mnemophobia : memories
molysmophobia : dirt or contamination
monopathophobia : definite disease
monophobia : solitude or being alone
motorphobia : automobiles
mottephobia : moths
musophobia : mice
mycophobia : fear or aversion to mushrooms
mycrophobia : small things
myctophobia : darkness
myrmecophobia : ants
mysophobia : germs or contamination or dirt
mythophobia : myths or stories or false statements
myxophobia : slime (blennophobia)

N (fear of)

nebulaphobia : fog (homichlophobia)
necrophobia : death
nelophobia : glass
neopharmaphobia : new drugs
neophobia : anything new
nephophobia : clouds
noctiphobia : the night
nomatophobia : names
nosemaphobia : illness
nosocomephobia : hospitals
nosophobia : disease
nostophobia : returning home
novercaphobia : step-mothers
nucleomituphobia : nuclear weapons
nudophobia : nudity
numerophobia : numbers
nyctophobia : the dark or of night

O (fear of)

obesophobia : gaining weight
ochlophobia : crowds or mobs
ochophobia : vehicles
octophobia : the figure
odontophobia : dental surgery
odynophobia : pain
oenophobia : wines
oikophobia : home surroundings, house
olfactophobia : smells
ombrophobia : rain
ommetaphobia : eyes
oneirogmophobia : wet dreams
oneirophobia : dreams
onomatophobia : hearing a certain word
ophidiophobia : snakes
ophthalmophobia : being stared at
optophobia : opening one's eyes
ornithophobia : birds
orthophobia : property
osmophobia : smells or odors
osphresiophobia : smells
ostraconophobia : shellfish
ouranophobia : heaven

P (fear of)

pagophobia: ice or frost
panophobia: everything
panthophobia: disease
pantophobia: fears
Papaphobia: the pope
papyrophobia: paper
paralipophobia: neglecting duty
paraphobia: sexual perversion
parasitophobia: parasites
paraskavedekatriaphobia: Friday the 13th
parthenophobia: virgins or young girls
parturiphobia: childbirth
pathophobia: disease
patroiophobia: heredity
peccatophobia: sinning (imaginary crime)
pediculophobia: lice
pediophobia: dolls
pedophobia: children
peladophobia: bald people
pellagrophobia: pellagra
peniaphobia: poverty
pentheraphobia: mother-in-law
phagophobia: swallowing
phalacrophobia: becoming bald
phallophobia: a penis, esp erect
pharmacophobia: taking medicine
pharmacophobia: drugs
phasmophobia: ghosts
phengophobia: daylight or sunshine
philemaphobia: kissing
philophobia: falling in love
philosophobia: philosophy
phobophobia: one's own fears
phonophobia: noises or voices
photoaugliaphobia: glaring lights
photophobia: light
phronemophobia: thinking
phthiriophobia: lice (pediculophobia)
phthisiophobia: tuberculosis
pinigerophobia: smothering
placophobia: tombstones
plutophobia: wealth
pluviophobia: rain or of being rained on
pneumatiphobia: spirits
pnigophobia: choking or being smothered
pocrescophobia: gaining weight (obesophobia)
pogonophobia: beards
poinephobia: punishment
poliosophobia: contracting poliomyelitis
politicophobia: politicians
polyphobia: many things
ponophobia: overworking or of pain
porphyrophobia: the color purple
potamophobia: rivers or running water
potophobia: alcohol
proctophobia: rectum
prosophobia: progress
psellismophobia: stuttering
psychophobia: mind
psychrophobia: cold
pteromerhanophobia: flying
pteronophobia: being tickled by feathers
pupaphobia: puppets pyrexiophobia
pyrophobia: fire

Q (fear of)

Quadraphobia : quartets or of being drawn and quartered
Quadrataphobia : quadratic equations

R (fear of)

radiophobia : radiation, x-rays
ranidaphobia : frogs
rhabdophobia : being severely punished or beaten by a rod
rhypophobia : defecation
rhytiphobia : getting wrinkles
rupophobia : dirt
Russophobia : Russians

S (fear of)

samhainophobia : Halloween
sarmassophobia : love play
satanophobia : satan
scabiophobia : scabies
scelerophibia : bad men, burglars
schlionophobia : school
sciophobia : shadows
scoleciphobia : worms
scolionophobia : school
scopophobia : being stared at
scotomaphobia : blindness in visual field
scotophobia : darkness
scriptophobia : writing in public
selaphobia : light flashes
selenophobia : the moon
seplophobia : decaying matter
sesquipedalophobia : long words
sexophobia : the opposite sex
siderodromophobia : trains
siderophobia : stars
sinistrophobia : left-handedness
sinophobia : chinese, chinese culture
sitophobia : food or eating
snakephobia : snakes (ophidiophobia)
soceraphobia : parents-in-law
social phobia : being evaluated negatively
sociophobia : society
somniphobia : sleep
sophophobia : learning
soteriophobia : dependence on others
spacephobia : outer space
spectrophobia : specters or ghosts
spermophobia : germs
sphexsophobia : wasps
stasibasiphobia : standing or walking
staurophobia : crosses or the crucifix
stenophobia : narrow things or places
stygiophobia : hell
suriphobia : mice
symbolophobia : symbolism
symmetrophobia : symmetry
syngenesophobia : relatives
syphilophobia : syphilis

T (fear of)

tachophobia : speed
taeniophobia or teniophobia : tapeworms
taphephobia : being buried alive
tapinophobia : being contagious
taurophobia : bulls
technophobia : technology
teleophobia : definate plans
telephonophobia : telephones
telosphobia : being last
teratophobia : bearing a deformed child
testophobia : taking tests
tetanophobia : lockjaw, tetanus
teutophobia : German or German things
textophobia : certain fabrics
thaasophobia : sitting
thalassophobia : the ocean
thanatophobia : death or dying
theatrophobia : theatres
theologicophobia : theology
theophobia : god(s) or religion
thermophobia : heat
tocophobia : childbirth
tomophobia : surgical operations
tonitrophobia : thunder
topophobia : performing (stage fright)
toxiphobia : poison
traumatophobia : injury
tremophobia : trembling
trichinophobia : trichinosis
trichopathophobia : hair
triskaidekaphobia : the number 13
tropophobia : moving or making changes
trypanophobia : injections
tuberculophobia : tuberculosis
tyrannophobia : tyrants

U (fear of)

uranophobia : heaven
urophobia : urine or urinating

V (fear of)

vaccinophobia : vaccination
venustraphobia : beautiful women
verbophobia : words
verminophobia : germs
vestiphobia : clothing
virginitiphobia : rape
vitricophobia : step-fathers

W (fear of)

Walloonphobia : the Walloons
wiccaphobia : witches and witchcraft

X (fear of)

xanthophobia : the color yellow
xenophobia : strangers
xerophobia : dryness
xylophobia : forests

Y (fear of)

Ymophobia - Fear of contrariety
Yellow color - Xanthophobia

Z (fear of)

zelophobia : jealousy
zeusophobia : God or gods
zoophobia : animals

Chevrolet Spark bags the Top J D Power Awards for Quality in 2009

2009-12-05T23:53:00.002+05:30

Chevrolet Spark has won the top award for quality for the third consecutive year in the India Automotive Initial Quality Study announced by J.D Power Asia Pacific 2009. The victory validates the growing popularity of Chevrolet brand in the country and GM India's commitment to produce world-class vehicles for this market.Despite stiff competition, the Chevrolet Spark was ranked the highest in the compact car segment in this year's JD Power study, which is the industry benchmark for new vehicle quality.

The Chevrolet Spark was ranked first and won the top award in the vast and fiercely competitive Compact Car Segment, with a score of 116 PP100. This is the third year in a row that the Spark has bagged this prestigious award. The Chevrolet Tavera has bagged the second position in the MUV / MPV category while the Aveo U-VA was ranked third in the Premium Compact Segment in the face of equally stiff competition. Commenting on the multiple wins for Chevrolet, Mr. P. Balendran, Vice President, GM India said, "These prestigious wins from J D Power, coming the third year in a row, clearly serve to reiterate that Chevrolet has become the preferred automobile brand in terms of quality and customer delight. These multiple, repeat wins are the result of GM India's single-minded focus on our valuable Chevrolet consumers and our deep commitment to offer best-in-class products that meet and exceed customer expectations. We will continue to leverage the momentum gained this far and build on the inherent strengths of our products in the future also."

It may be recalled that Chevrolet, which completed its fifth anniversary recently, swept the JD Power Awards last year also, when its cars were awarded top honours in their respective segments in JD Power's IQS and APEAL studies in India. Keeping in mind the diverse needs of vehicle buyers across India, Chevrolet offers products that range from small cars to premium SUVs. The JD Power India IQS study, which serves as the industry benchmark for new-vehicle quality, is measured at two to six months of ownership. The IQS examines more than 200 problem symptoms covering eight vehicle categories. Overall quality performance is based on both design quality and production quality problems per 100 vehicles (PP100), with lower scores indicating a lower rate of problem incidence and higher vehicle quality. The 2008 India Initial Quality Study, now in its twelfth year, is based on evaluations from more than 6,600 owners who purchased a new vehicle between November 2008 and July 2009. It included 50 vehicle models covering 13 makes and was fielded from May to September 2009 in 20 cities across India.
General Motors India is a wholly-owned subsidiary of General Motors Corporation. GM produces the Chevrolet Captiva, Chevrolet Optra, Chevrolet Cruze, Chevrolet Aveo, Chevrolet SR-V, Chevrolet Aveo U-VA, Chevrolet Spark and Chevrolet Tavera for sale in India and operates two state-of-the-art manufacturing facilities in Talegaon, Maharashtra, and Halol, Gujarat.

Thank you for smoking

2009-12-05T12:12:00.001+05:30

The effects of smoking have been big news for many years. Every year more people try to quit, there are more restrictions on smoking, and more research into the effects of smoking both on smokers and the people around them.

You don't have to be a smoker to want to know the facts about cigarette smoking. You might be a parent or teacher keen to encourage young people not to start in the first place. Or perhaps you're an employer trying to reduce smoking at work by helping your staff quit. Or you may be trying to help your partner of a friend to stop smoking. The effect of smoking on other people looks at the dangers of second-hand smoke, whether at home, in the car.

The dangers of smoking
Most of us have a pretty good idea of what the dangers of smoking are and what it can do to people. You might, however, be surprised by some of the less obvious effects of smoking.

In this section, find out all about the effects of smoking on your health. Smoking can affect every part of your body. It can lead to both minor and major health problems. But do you know exactly what happens to your body when you smoke?

What happens when you smoke?
• When you smoke, less oxygen reaches your lungs. Nicotine, the addictive stuff, stimulates your central nervous system, making your heart beat faster and raising your blood pressure. Tar from cigarettes ends up in your lungs.
• Over time, smoking obstructs or narrows the small airways in the lungs and destroys the air sacs there. It clogs arteries and causes blood clots.

The health benefits of stopping
"I feel healthier. I taste my food better. I’m not breathless walking up that hill. I’ve got more money which I spend on nice clothes."- Shelagh, Inverclyde
Stopping smoking not only reduces the risk of getting serious smoking-related diseases, it means you're less likely to have other health problems, such as:
• Gum disease and bad breath
• Coughs and shortness of breath
• Colds and flu
• Mouth ulcers
• High blood pressure
• Asthma attacks
In the long-term, breaking the habit reduces the chances of you suffering from:
• Stroke
• Reduced vision
• Mouth and throat cancer
• Heart disease
• Emphysema and bronchitis
• Lung cancer
• Stomach ulcers
• Bladder cancer
• Infertility
• Peripheral vascular disease, which can lead to gangrene and amputation of limbs.

Some of the less well-known benefits of stopping smoking are that wounds and surgical incisions should heal more quickly. For women, the good news is that you're less likely to suffer painful periods and osteoporosis (brittle bone disease) once you've quit.
Thinking of starting a family? Men who smoke may suffer from impotence and produce less sperm. Women who smoke take longer to conceive and are more likely to have a miscarriage or stillbirth. Stopping smoking can improve your chances of conceiving.

Improve your health
It doesn't matter how old you are, how much you smoke or how many years you've been a smoker – giving up can halt at least some of the damage. The heart can pump more blood – and oxygen – around the body with less effort.
Quitting particularly reduces the risk of a heart attack in people with other risk factors like being overweight or who have diabetes,high blood pressure or raised blood cholesterol levels.
As well as affecting your general health, quitting smoking can make a big difference to the way you look. Did you know that stopping smoking can benefit your skin? For a start, you’ll be getting rid of the yellow tar stains from your fingers and the smell of stale smoke from your hair. This will make a difference to how you look and how you feel.

"Folks say I’m looking a lot better. I’m not huffing and blowing."- Arthur, Aberdeen

Benefits to your skin
The benefits of stopping smoking to your appearance can be gained at any point in life, although, obviously, the earlier you think about stopping smoking, the greater the effect on your looks.
The myth that gets many teenagers to take up the habit in the first place – that smoking makes you look older – is sadly true when it comes to your skin.
Smoking reduces the amount of blood flowing to the skin and dries it out. Over time, this means it loses elasticity and gets more wrinkled.
Stopping smoking can have positive effects on your skin. You will improve your skin tone and colour. You're less likely to get wrinkles round your eyes and mouth from squinting when smoke gets in your eyes, and puckering up when you draw on a cigarette.
Quitting smoking lowers your chances of developing psoriasis, a chronic skin condition that can be extremely uncomfortable and disfiguring.

Benefits to your body
Quitting smoking has a good effect on your entire body.
Many smokers believe their habit help keeps their weight down. This is true to some extent. But did you know that smoking affects the shape of your body?
Smoking causes changes in the glands that secrete hormones so smokers store more body fat around their waist and upper torso than their hips. This means smokers are likely to have a higher waist-to-hip ratio (WHR) than non-smokers. A high WHR is associated with a greater risk of developing:
• Diabetes
• Heart disease
• High blood pressure
• Gallbladder problems
• Cancer of the womb and breast in women

Quitting means your body can get back to normal and recover from the effects of smoking.

Benefits to your teeth
It's not just the look of your teeth that can be affected by smoking. Smoking makes it harder for saliva to remove germs in your mouth so you have more chance of getting gum disease, which can lead to premature tooth loss and bad breath. Stopping smoking means whiter teeth and a reduced risk of losing them – with fewer trips to the dentist too, with any luck.
Smoking is a costly habit in more ways than one. The financial cost of smoking should not be underestimated, and giving up can give you some immediate financial benefits.
Think about it, if you smoke an average 20-a-day, you will smoke 7,300 cigarettes a year. Even if you buy cheaper brands, that still means you spend at least £1,500 on cigarettes every year. So the cost of smoking really mounts up.
What could you buy with that? A holiday, maybe. Or a new wardrobe?
If you're a younger smoker, stopping could still mean you're around £8 per week better off. The average weekly cost of smoking for a teenager is roughly the same amount as the cost of a CD or DVD.

"It was 40 a day. It was £8, £9 a day, £60 a week. I realised it was the right time to do it."- Jeff, Dumfries

The cost of smoking
The cost of smoking can be a burden on your household budget. One survey found that if both you and your partner smoke, you could be spending as much as 15% of your income on tobacco.
There are other costs of smoking that you might not have thought about before. Some savings are less obvious:
• Long-term, because you're less at risk of developing a smoking-related disease or disability, you’re also less likely to need to take time off work from ill health, or have to retire early.
• You will pay less for insurance premiums.
• There is reduced risk of damage to your home from fire, and you will save money on cleaning and redecorating to get rid of nicotine stains and the smell of smoke.

You can use our Cost Calculator to work out how much smoking costs you and how quitting could add money to your bank account.
But it's not just you who stands to gain from stopping. Before the smoking ban came in, some calculations were done. It was found that every year Scottish employers lose:
• £450 million in productivity due to smoking
• £40 million from smoking-related absences

The cost of smoking also affects the NHS – £200 million a year in hospital care. Cigarettes and matches are a common cause of fire – several million pounds worth of fire damage to Scottish homes each year is the result of fires caused by cigarettes left burning. Although it is likely to reduce as a result of people giving up smoking and as a result of less people being exposed to second-hand smoke due to the smoking ban, the costs still remain high. Finally, cigarette ends, packets and matches are the most commonly found items of rubbish and therefore add to the cost of keeping our cities and towns tidy.

People who don't smoke still suffer the effects of passive smoking by breathing in 'second-hand smoke' from smokers' cigarettes. There may still be smoke particles in the air even if it doesn't seem smoky. One of the dangers of second-hand smoke is that particles from smoke in the air are smaller than in smoke drawn directly from a cigarette and can penetrate deeper into the lungs.

The effects of passive smoking or second-hand smoke include:
• Eye irritation
• Headache
• Cough
• Sore throat
• Dizziness
• Nausea

"I think most people who do smoke want to give up. It’s very, very hard but I think there is a turning point for everyone. Mine just happened to be my grandson."- Bella, Edinburgh

The effects of passive smoking
A non-smoker who lives with a smoker may be exposed to about 1% of their tobacco smoke from passive smoking. This can increase their chances of developing lung cancer or dying from a heart attack. The same applies to people who work in a smoky atmosphere, which is why Scotland now has a ban on smoking in enclosed public places such as workplaces, pubs and restaurants.

Why are men termed HONORABLE even by God?

2009-12-03T00:36:00.004+05:30

You heard this before. Men are honorable. Do you know why? Here is an incident that will explain clearly...

Must Read for Every Man and of course Woman (to understand man)

If a female is reading this article then just realize the value of a man, and if its a male then feel proud of after reading it!

"One day, while a woodcutter was cutting a branch of a tree above a river, his axe fell into the river. When he cried out, the Lord appeared and asked, "Why are you crying?"

The woodcutter replied that his axe has fallen into water, and he needed the axe to make his living.

The Lord went down into the water and reappeared with a golden axe. "Is this your axe?" the Lord asked.

The woodcutter replied, "No."

The Lord again went down and came up with a silver Axe. "Is this your axe?" the Lord asked.

Again, the woodcutter replied, "No."

The Lord went down again and came up with an iron Axe. "Is this your axe?" the Lord asked.

The woodcutter replied, "Yes."

The Lord was pleased with the man's honesty and gave him all three axes to keep, and the woodcutter went home happy.

Some time later the woodcutter was walking with his wife along the riverbank, and his wife fell into the river. When he cried out, the Lord again appeared and asked him, "Why are you crying?"

"Oh Lord, my wife has fallen into the water!"

The Lord went down into the water and came up with ANGELINA JOLIE "Is this your wife?" the Lord asked.

"Yes," cried the woodcutter.

The Lord was furious. "You lied! That is an untruth!"

The woodcutter replied, "Oh, forgive me, my Lord. It is a misunderstanding.

You see, if I had said 'no' to ANGELINA JOLIE , You would have come up with CAMERON DIAZ . Then if I said 'no' to her, you would have come up with my wife. Had I then said 'yes,' you would have given me all three.

Lord, I am a poor man, and am not able to take care of all three wives, so THAT'S why I said yes to ANGELINA JOLIE ."

The moral of this story is: Whenever a man lies, it is for a good and honorable reason, and for the benefit of others.

That's our story, and we're sticking to it! - "WE ARE HONORABLE MEN!"

Did anyone tell you that car names have no meaning?

2009-12-03T00:11:00.003+05:30

Who said car names don't have meaning ?

BMW: Brings Me Women.

FIAT: Failure in Italian Automotive Technology.

FORD: For Only Rough Drivers.

HYUNDAI: Hope You Understand Nothing's Drivable And Inexpensive....

VOLVO: Very Odd Looking Vehicular Object.

PORSCHE: Proof Of Rich Spoiled Children Having Everything.

KIA: Kills In Accidents

OPEL: Old People Enjoying Life

TOYOTA: The One You Only Trust, Always.

GOLF/GTI: Girls Only Love Fun / Get Them Inside

HONDA: Hanged Over, Now Driving Away.

Are you just a friend or potential boyfriend for her???

2009-12-02T03:18:00.003+05:30

Before asking a girl out, knowing whether she sees you as ‘just a friend’ or a ‘potential boyfriend’ can help a great deal. Here are the signs to watch out for

But what if she doesn’t see me ‘that’ way?’ is a guy’s perpetual query. And women, with their read-me-if-you-can approach, make it difficult for men who are no mind-readers. Most men would rather look for someone who’s ‘interested’ than pursue a girl for whom they are nothing more than a late-night chauffer. So how do you know whether a girl considers you just a strong shoulder to cry on, or something more? Youngsters Anisha Ghurye, Smita Padmanabhan, Nandini Sharma, Kshitij Barot, Tulika Sodera and Suresh Petkar helps you decode the signals. Here goes:

YOU ARE JUST A FRIEND IF…
You know her embarrassing moments
Yes, she looks hot when she dresses up. But if she doesn’t mind meeting you in a decade-old ganji, looking distinctly unsexy, well, you are not the one she dresses up specially for. She will allow you to see her in all her moods and has no qualms in discussing womanly issues with her girlfriends even when you are around.

She doesn’t laugh at your jokes
If you cannot make the girl laugh, forget any relationship with her. No girl wants to end up with a guy who consistently throws bouncers that go straight above her head. It needn’t mean you get a joke book. It only means that your sense of humour is different from hers, and the fact that she doesn’t appreciate yours shows that you arejust a friend.

She cancels on you, all the time
Everything seems to be more important than you — from the beauty parlour appointment to the dog’s monthly vet visit. When it comes to the priority graph, you stand in the negative. Bottom line: if her favourite line is ‘Relax, we can always go later’ then, my friend, you are just a you-know-what.

She’s isn’t refined for you
Even the cattiest woman would act like Audrey Hepburn in front of guys she sees as potential boyfriends. But, if this girl gives you an unedited lowdown or her bitch-a-thon sessions, sorry dude, you arejust a friend, someone who she expects to listen and nod in agreement.

A POTENTIAL BOYFRIEND IF…
She touches…often
But wait, the million-dollar word here is ‘how’. If she loves pulling your hair and punching your shoulder, ahem, sorry strong boy, you arejust a friend . To ascertain if you are a potential, go for finer details. If she doesn’t mind casually patting your thighs, running her hands in your hair and insists on giving you a neck massage, get the hint.

She doesn’t discuss guys with you
If you are a potential, very rarely, you would hear of guys who she likes. Or, she might also start ‘toning down’ details. That candlelight dinner will turn into ‘just a quick bite’ and that hunk who reminds her of things she would want to do to George Clooney will be mentioned as someone ‘Ok looking’.

She doesn’t correct you
If your mentioning Bihar as the capital of Patna doesn’t evoke a response, either she is indifferent or she might see you as a boyfriend. Meaning, a girl who sees you ‘that’ way will try her best to agree with whatever you say (the correcting part comes later, remember?) If your occasional grammatical errors are overlooked, go boy, go!

She praises you often
No matter what you do, she seems to ‘like’ it, from that rugged T-shirt to that 'witty' offhand remark you made. Her praising you more often signals that she wouldn’t mind being more than just friends. You feel women score low on logic, but they know exactly what’s needed to massage the male ego.

What to do if you have lost your mobile cellphone

2009-12-02T03:04:00.003+05:30

It is so easy to identify your mobile phone. It has a unique number. Read ...

After reading this post, please preserve the IMEI number in a notepad and send to your mail address so that it will be permanently with you.

An IMEI number-The International Mobile Equipment Identity (IMEI) number is an international identity number used to uniquely identify a mobile phone. The 15-digit IMEI number is an electronic fingerprint transmitted every time a phone is used, which reveals the identity of the mobile handset.

How can I find out my IMEI number? IMEI numbers are independent of the phone number and are usually written underneath the battery or on the back of the handset. Mobile phone users can also check their 15 digit IMEI number by dialing *#06# on their mobile handset. Mobile phone owners should make a note of their IMEI number and keep the details in a safe place.

Interesting facts about THE RICHEST INDIAN IN THE WORLD!

2009-12-02T02:46:00.006+05:30

MUKESH AMBANI -- He presides over RELIANCE and his collosal empire! Here are some facts about the man that will surprise you...

Here are some facts about the Reliance Head Mr Mukesh Ambani which could make a person from a middle class family feel more close to him. After all you can't expect to see the richest Indian man enjoying fast food on a roadside stall... amazed read on.

* He likes very basic food of every indian - Dal Chawal, roti, sabzi etc.
And he will eat anywhere, roadside stall or posh restaurant as far as the food is tasty.
* He is a vegetarian. His favourite place is Mysore Cafe at Matunga, Mumbai. He loves paanki from Swati Snacks a restaurant at Tardeo.
* When he has guests coming home, he enquires what they would like to have and asks it to be prepared. And he always serves a special dish with his own hands to his guests.
* Nita Ambani practices her classical dance everyday and he can't resist watching her dance!
* He has either his Father's photo or the family photo with his parents and siblings in every room of his house.
* He spends his Sundays with his mother and children. He loves watching movies and never misses one. His friends take his words about the verdict of a film (whether it'll be a hit or flop), and they claim he is hardly wrong anytime.
* He never celebrated his birthday except his 50th one at the Jamnagar plant with his employees. But spends huge time planning wife's birthday bashes and presents. He believes that the best celebrations are only with family.
* He never leaves home without praying.
* His colleagues claim they have never seen him shouting or lose his temper.
* He wakes up very late in morning around 10.30
* He loves cars especially British. Always owned executive cars like Mercedes, Bently and Maybach.
* He wears clothes very similar to his dad; white shirt and dark coloured trousers. He has no knowledge of brands. If asked he says, "I wear anything which fits me".
* He reaches office at noon and works till midnight.
* He loves old Hindi songs and spends Sundays listening to them.
* He makes it a point to shake hands with each of his son's friends whenever they come home.
* He loves to chat and can go on for hours.
* He loves to take long walks. He often takes his colleagues along and then begin the brainstorming sessions.

LCD versus PLASMA TVs

2009-12-02T01:44:00.003+05:30

You want to buy the latest television and cannot decide on whether you want to go for LCD or the Plasma...read further.

As far as looks are concerned, both LCD & Plasma almost look similar at least to layman. But the fact is that both of them apply very different technologies to give you the desired picture quality. Plasma TV Overview Plasma television technology is based loosely on the fluorescent light bulb. The display itself consists of cells. Within each cell two glass panels are separated by a narrow gap in which neon-xenon gas is injected and sealed in plasma form during the manufacturing process. The gas is electrically charged at specific intervals when the Plasma set is in use. The charged gas then strikes red, green, and blue phosphors, thus creating a television image. Each group of red, green, and blue phosphors is called a pixel (picture element). Although Plasma television technology eliminate the need for the bulky picture tube and electron beam scanning of traditional televisions, because it still employs the burning of phosphors to generate an image, Plasma televisions still suffer from some of the drawbacks of traditional televisions, such as heat generation and screen-burn of static images.

LCD TV Overview LCD televisions, on the other hand, use a different technology. Basically, LCD panels are made of two layers of transparent material, which are polarized, and are "glued" together. One of the layers is coated with a special polymer that holds the individual liquid crystals. Current is then passed through individual crystals, which allow the crystals to pass or block light to create images. LCD crystals do not produce their own light, so an external light source, such as florescent bulb is needed for the image created by the LCD to become visible to the viewer. Unlike standard CRT and Plasma televisions, since there are no phosphors that light up, less power is needed for operation and the light source in an LCD television generates less heat than a Plasma or traditional television. Also, because of the nature of LCD technology, there is no radiation emitted from the screen itself.

Plasma vs LCD The ADVANTAGES of Plasma over LCD are:
1. Larger screen size availability.

2. Better contrast ratio and ability to render deeper blacks.

3. Better color accuracy and saturation.

4. Better motion tracking (little or no motion lag in fast moving images).

The DISADVANTAGES of Plasma vs LCD include:
1. Plasma TVs are more susceptible to burn-in of static images.

2. Plasma TVs generate more heat than LCDs, due to the need to light of phosphors to create the images.

3. Does not perform as well at higher altitudes.

4. Potentially shorter display life span - this used to be the case. Early Plasmas had 30,000 hours or 8 hrs of viewing a day for 9 years, which was less than LCD. However, screen life span has now improved and 60,000 hour life span rating are now common, with some sets rated as high as 100,000 hours, due to technology improvements.

LCD television ADVANTAGES over Plasma include:
1. No burn-in of static images.

2. Cooler running temperature.

3. No high altitude use issues.

4. Increased image brightness over Plasma.

5. Lighter weight (when comparing same screen sizes) than Plasma counterparts.

6. Longer display life used to be a factor, but now LCD and Plasma sets both have at least 60,000 hour or higher life spans.

DISADVANTAGES of LCD vs Plasma televisions include:
1. Lower contrast ratio, not as good rendering deep blacks.

2. Not as good at tracking motion (fast moving objects may exhibit lag artifacts) - However, this is improving with the recent implementation of 120Hz screen refresh rates and 240Hz processing in higher-end LCD sets.

3. Not as common in large screen sizes above 42-inches as Plasma. However, the number is growing fast, with 46 and 47-inch screen sizes becoming more common, and some LCD sets having a screen size as large as 65-inches also available to the general public.

4. Although LCD televisions do not suffer from burn-in susceptibility, it is possible that individual pixels on an LCD televisions can burn out, causing small, visible, black or white dots to appear on the screen. Individual pixels cannot be repaired, the whole screen would need to be replaced at that point, if the individual pixel burnout becomes annoying to you.

5. LCD televisions are typically more expensive than equivalent-sized Plasma televisions (although this is changing), especially when comparing EDTV Plasmas to HDTV-LCD Televisions.

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How much vitamins are you taking every day?

2009-12-02T01:35:00.004+05:30

Vitamins and minerals are essential for the maintenance of good health and the prevention of a number of diseases. In this article we look at the properties of vitamins A, B, C, D, E, K, and common food sources.
Types of vitamins
There are two types of vitamins:

• water-soluble vitamins B and C

• fat-soluble vitamins A, D, E and K.

Water-soluble vitamins cannot be stored in the body, so you need to get them from food every day. They can be destroyed by overcooking.
Vitamins and minerals are found in a wide variety of foods and a balanced diet should provide you with the quantities you need.

Vitamin A (retinol)
This vitamin is essential for growth and healthy skin and hair. It is a powerful antioxidant that plays a key role in the body's immune system. Vitamin A is found in the following animal products:

• milk, butter, cheese and eggs

• chicken, kidney, liver, liver pate

• fish oils, mackerel, trout, herring.

Another source of vitamin A is a substance called beta-carotene. This is converted by the body into vitamin A. It is found in orange, yellow and green vegetables and fruits.

Vitamin B Complex
The complex of B vitamins includes the following group of substances:

• B1 - thiamine

• B2 - riboflavin

• B3 - nicotinic acid

• B6 - pyridoxine

• B12 - cobalamin

• folate - folic acid.

The body requires relatively small amounts of vitamins B1, B2 and B3.
Vitamins B6 and B12 help the body to use folic acid and are vital nutrients in a range of activities such as cell repair, digestion, the production of energy and in the immune system. Vitamin B12 is also needed for the breakdown of fat and carbohydrate. Deficiency of either vitamin will result in anaemia.
Vitamin B6 is found in most foods, so deficiency is rare.

The best dietary sources of the B vitamins, especially B12, are:

• animal products (meat, poultry)

• yeast extracts (brewers' yeast, Marmite).

Other good sources include:

• asparagus, broccoli, spinach, bananas, potatoes

• dried apricots, dates and figs

• milk, eggs, cheese, yoghurt

• nuts and pulses

• fish

• brown rice, wheat germ, wholegrain cereals

Dietary sources of vitamin B6 are similar to those for vitamin B12 and also include avocado, herring, salmon, sunflower seeds and walnuts.

Folic acid (folate)
Folic acid works closely in the body with vitamin B12. It is vital for the production of healthy blood cells.
Lack of folic acid is one of the main causes of anaemia, particularly in people whose diet is generally poor. Vitamins B6 and B12 help the body use folate, so are often given alongside folic acid supplements.
In pregnancy, low folate levels increase the risk of the baby's spinal cord system not developing completely (spina bifida). All women are now advised to take folic acid supplements in the first three months of pregnancy and preferably before conception.

Vitamin C
Vitamin C is one of the most potent antioxidant vitamins.
We need vitamin C for growth, healthy body tissue, wound repair and an efficient immune system. In addition, it's thought vitamin C can reduce cholesterol levels and regulate your blood pressure and your body's absorption of iron.

Fresh fruit and vegetables are the main source of vitamin C - eating your five a day will easily meet the body's needs.
Too much vitamin C can result in a sensitive, irritable stomach and mouth ulcers.

Vitamin C content of foods - an adult needs 60mg a day

Food Serving size Amount of vitamin C
Strawberries 1 bowl 70-120mg
Kiwi fruit 1 fruit 50mg
Steamed broccoli 1 serving (80g) 50mg
Orange 1 large 70mg
Mango and passion fruit smoothie 250ml glass/bottle 48mg
Frozen peas, cooked 1 serving (85g) 17mg

Vitamin D (calciferol)
Vitamin D is essential for healthy bones and teeth. It helps the body to absorb calcium.
The action of sunlight on the skin enables the body to manufacture vitamin D - even on a cloudy day. For this reason, most people will get enough vitamin D through their everyday activities.
Foods rich in vitamin D are oily fish, liver, cod liver oil and dairy products.

Vitamin E
Vitamin E is important in cell maintenance and also plays an active role in the maintenance of a healthy heart, blood and circulation. It is one of the body's main antioxidants.
The following foods are rich in vitamin E:

• avocados, tomatoes, sweet potatoes, spinach, watercress, brussels sprouts

• blackberries, mangoes

• corn oil, olive oil, safflower oil, sunflower oil

• mackerel, salmon

• nuts, wholemeal and wholegrain products

• soft margarine.

Vitamin K
Vitamin K is involved in the blood clotting process and in the maintenance of strong bones. It is found in small quantities in meat, most vegetables and wholegrain cereals.
Your body also makes vitamin K in the large intestine, through the activity of 'healthy bacteria'. For this reason, there is no recommended daily amount.
These bacteria are also referred to as the gut flora. They form part of our defence against more harmful organisms.
Diets rich in fatty and sugary foods can adversely change the balance of the gut flora, as can the additives and pesticides that are often a part of modern food production.

Construct your bedrooms with Vastu (Indian Feng Shui)

2009-12-02T01:29:00.002+05:30

Since we are spending one-third of our lives in the bedrooms, its location is of utmost importance. Spending close to eight hours a day in the area, the inherent properties of different zones work on out subconscious mind and mould out actions accordingly. To regulate our lives and mammies the positive results adherence to Vastu principles is essential.

Different zones have been demarcated for the bedrooms of all family members. Avoid having bedrooms in the North-East and South-East corners of the house. A bedroom in North-East gives loss of wealth, obstruction in all works, delay in marriage of daughter, when parents sleep in North-East, they become very easy to influence. The lose their identify and power of discretion. The bedroom of the master of the house should be in South West only. A south-West Bedroom located in the earth zone gives stability. Fair judgment and inner strength to deal with important issues. The room in south-West can be used by the master of the house or by the eldest so. Central South can also be used by the eldest son. Elderly people feel comfortable in the South-West. in families, where the grandfather has a big say in the business and family matters it is found that they invariably have their bedrooms in South-West of the house.

A Bedroom in South-East gives rise to sleeplessness, worries and marital problems. Couples drift apart. It the head of the family is in South-East, he is found to be constantly embroiled in disputes. Agneya (South-East) is ruled by Agni or fire which relates to assertiveness and aggressive attitude. As Fire is predominant in this sector, It would be wise for couples to stay away from this zone. Shy and timid children can use this room and get plenty of confidence.

People who are by nature aggressive and quarrelsome can avoid this room. Newly married couples should avoid this room. This is not a good zone for pregnant ladies

Vayavya (Noth-West) is ruled by Vayu or Air. This sector relates to movement or transit. This is a good zone for placement of marriageable daughter’s bedroom. North-West bedroom is also recommended for newly weds and for couples planning to have a baby. Avoid bedrooms for children in this zone as the lord of this zone is Vayu or wind-god. The inherent property of wind is constant movement. Children will become hyperactive and lack concentration if placed in North-West. This is a good zone for having the guest room.

Bedroom should not be in the central portion of the house. Brahmasthan attracts a lot of energy which I not conducive to the main objective of a bedroom providing rest, peace and tranquility.

Your handwriting reveals your personality

2009-12-02T01:16:00.003+05:30

Graphology is the scientific study and analysis of handwriting which depicts a person's personality. It may open the ways to many unexplored areas for anyone. But handwriting must be studied taking into consideration the size and slant of letters, word spacing, line spacing the way zones are used, pressure and margins applied. Here's how...

The Script Size

Small
People with a small handwriting are meticulous, observant, reserved and restrained. They are mentally alert but tend to lack self confidence.

Large - People with a large handwriting are bold and aggressive. They are ambitious, enthusiastic and extroverts. But they lack concentration and discipline.

Moderate - People with a moderate handwriting are conservative, conventional and traditional, practical and realistic. They are honest, sincere and pretty adaptable.

Variable - People who keep changing their handwriting are moody and hot-tempered, generally indecisive. Sometimes they might be naïve, immature and unpredictable.

The slant factor

Extreme Right Slant - This pattern indicates insecurity and impulsiveness. Such people are sensitive, possessive and intense. At times they are unrestrained and capable of hysteria.

Extreme Left Slant - This pattern indicates a repressed childhood and a fear of life. They are emotionally withdrawn, apprehensive of intimacy and defensive.

Vertical Slant - This handwriting is an indicator of independent, self controlled, self restrained and self reliant. Their head controls heart.

Irregular Slant - This pattern makes extremely sensitive, moody, thoughtful, erratic, unpredictable and versatile people.

Spacing between the words

Closely Spaced Letters - These people are repressed, scared, selfish, hostile and inhibited. They are resentful and not very adjusting in nature.

Widely Spaced Letters - These people are generally sympathetic, humane and considerate.

Evenly Spaced Words - These people are reasonable, self confident and amiable. They are well balanced and non adventurous.

Unevenly Spaced Words - These people are insecure and spontaneous; with a changeable social attitude and gullible.

Spacing between the lines

Evenly Spaced Lines - Such people are well balanced in their attitude. They are harmonious and flexible.

Widely Spaced Lines - Such people are good mannered but fearful of intimacy. They are suspicious, spontaneous and hostile in their behaviour.

Narrowly Spaced Lines - Such people are thrifty and frugal. They fear isolation but are generally very creative.

Unevenly Spaced Lines - Such people are moody and quick-tempered, indecisive, inconsistent, naive and immature and unpredictable.

Zooming on zones

Different Zones
1. Upper zone: determines intellect, imagination, ambition & spiritualism.
2. Middle zone: determines routine actions, social work, instant matters.
3. Lower zone: determines desires.

Upper Zone
1. Inflated: Imaginative, spiritual and intellectual.
2. Enlarged: Extremely imaginative.
3. Compressed: Lack of self image and creativity.
4. High: Cautious and interest in abstract matters.

Middle Zone
1. Inflated - Immaturity, conceit, tendency to exaggerate , boredom.
2. Compressed: Lack of interest in everyday social and work life.

Lower Zone
1. Inflated: Wilfulness, wastage of time & money.
2. Angular: Hostile, uncompromising, resentment.
3. No loops: Materialistic repression.
4. Short loop: Lethargic, no material interest.

Pressure Points

Heavy Pressure - Such persons are aggressive, possessive violent and egoistic. They are creative enthusiastic, sensuous and enduring. It shows an emotionally strong and deeply committed person.

Light Pressure - Such persons are sensitive, tender, tolerant, spiritual, adaptable and forgiving. They are passively indifferent, weak-willed and lack vitality. It indicates physically weak and fragile person who prefers pastel colours.

Moderate Pressure - Such persons are moderately energetic, cooperative, sociable. They are calm and collected. They shun extremes and are balanced mentally.

Margins

Upper Margin
Wide: Modest, formal, reserved and withdrawn to oneself.
Narrow: Informal, direct, lack of respect and indifferent.

Lower Margin
Wide: Idealistic, superficial, aloof and reserved. It indicates emotional trauma.
Narrow: Sentimental, materialistic, depressed communicative and fatigued.

Left Margin
Wide: Self respect, reserved, courageous A late riser but faces life bravely.
Narrow: Shy and unsociable. Lack of spontaneity & good health. Deprssed

Right Margin
Wide: Reserved and fearful of future, oversensitive extravagant, unrealistic and a poor mixer.
Narrow: Love of travel, unwise thriftness. Ambivalent social attitude.

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Put back pain behind you with these back pain remedies

2009-12-01T13:18:00.005+05:30

Back pain is something which everyone has face some time in their lives. Here is how you can tackle the problem when you all about it.

Introduction

Back pain is a common complaint. Four out of five people in the United States will experience low back pain at least once during their lives. It's one of the most common reasons people go to the doctor or miss work.

On the bright side, you can prevent most back pain. If prevention fails, simple home treatment and proper body mechanics will often heal your back within a few weeks and keep it functional for the long haul. Surgery is rarely needed to treat back pain.

Causes

Your back is an intricate structure composed of bones, muscles, ligaments, tendons and disks — the cartilage-like pads that act as cushions between the segments of your spine. Back pain can arise from problems with any of these component parts. In some people, no specific cause for their back pain can be found.

Strains

Back pain most often occurs from strained muscles and ligaments, from improper or heavy lifting, or after a sudden awkward movement. Sometimes a muscle spasm can cause back pain.

Structural problems

In some cases, back pain may be caused by structural problems, such as:

Bulging or ruptured disks. Disks act as cushions between the vertebrae in your spine. Sometimes, the soft material inside a disk may bulge out of place or rupture and press on a nerve. But many people who have bulging or herniated disks experience no pain from the condition.

Sciatica. If a bulging or herniated disk presses on the main nerve that travels down your leg, it can cause sciatica — sharp, shooting pain through the buttock and back of the leg.

Arthritis. The joints most commonly affected by osteoarthritis are the hips, hands, knees and lower back. In some cases arthritis in the spine can lead to a narrowing of the space around the spinal cord, a condition called spinal stenosis.

Skeletal irregularities. Back pain can occur if your spine curves in an abnormal way. If the natural curves in your spine become exaggerated, your upper back may look abnormally rounded or your lower back may arch excessively. Scoliosis, a condition in which your spine curves to the side, also may lead to back pain.

Osteoporosis. Compression fractures of your spine's vertebrae can occur if your bones become porous and brittle.

Rare but serious conditions
In rare cases, back pain may be related to:

Cauda equina syndrome. This is a serious neurological problem affecting a bundle of nerve roots that serve your lower back and legs. It can cause weakness in the legs, numbness in the "saddle" or groin area, and loss of bowel or bladder control.

Cancer in the spine. A tumor on the spine can press on a nerve, causing back pain.

Infection of the spine. If a fever and a tender, warm area accompany back pain, the cause could be an infection.

Risk factors

Factors that increase your risk of developing low back pain include
Smoking
Obesity

Older age

Female gender

Physically strenuous work

Sedentary work
Stressful job

Anxiety
Depression
When to seek medical advice

Most back pain gradually improves with home treatment and self-care. Although the pain may take several weeks to disappear completely, you should notice some improvement within the first 72 hours of self-care. If not, see your doctor.

In rare cases, back pain can signal a serious medical problem. See a doctor immediately if your back pain:

Is constant or intense, especially at night or when you lie down

Spreads down one or both legs, especially if the pain extends below the knee

Causes weakness, numbness or tingling in one or both legs

Causes new bowel or bladder problems

Is associated with pain or pulsation (throbbing) in the abdomen, or fever

Follows a fall, blow to your back or other injury

Is accompanied by unexplained weight loss

Also, see your doctor if you start having back pain for the first time after age 50, or if you have a history of cancer, osteoporosis, steroid use, or drug or alcohol abuse.
Screening and diagnosis

Diagnostic tests aren't usually necessary to confirm the cause of your back pain. However, if you do see your doctor for back pain, he or she will examine your back and assess your ability to sit, stand, walk and lift your legs. He or she may also test your reflexes with a rubber reflex hammer. These assessments help determine where the pain comes from, how much you can move before pain forces you to stop and whether you have muscle spasms. They will also help rule out more serious causes of back pain.

If there is reason to suspect that you have a tumor, fracture, infection or other specific condition that may be causing your back pain, your doctor may order one or more tests:

X-ray. These images show the alignment of your bones and whether you have arthritis or broken bones. X-ray images won't directly show problems with your spinal cord, muscles, nerves or disks.

Magnetic resonance imaging (MRI) or computerized tomography (CT) scans. These scans can generate images that may reveal herniated disks or problems with bones, muscles, tissue, tendons, nerves, ligaments and blood vessels.

Bone scan. In rare cases, your doctor may use a bone scan to look for bone tumors or compression fractures caused by osteoporosis. In this procedure, you'll receive an injection of a small amount of a radioactive substance (tracer) into one of your veins. The substance collects in your bones and allows your doctor to detect bone problems using a special camera.

Nerve studies (electromyography, or EMG). This test measures the electrical impulses produced by the nerves and the responses of your muscles. Studies of your nerve-conduction pathways can confirm nerve compression caused by herniated disks or narrowing of your spinal canal (spinal stenosis).
Treatment

Most back pain gets better with a few weeks of home treatment and careful attention. A regular schedule of over-the-counter pain relievers may be all that you need to improve your pain. A short period of bed rest is okay, but more than a couple of days actually does more harm than good. If home treatments aren't working, your doctor may suggest stronger medications or other therapy.

Medications
Your doctor may prescribe nonsteroidal anti-inflammatory drugs or in some cases, a muscle relaxant, to relieve mild to moderate back pain that doesn't get better with over-the-counter pain relievers. Narcotics, such as codeine or hydrocodone, may be used for a short period of time with close supervision by your doctor.

Low doses of certain types of antidepressants — particularly tricyclic antidepressants, such as amitriptyline — have been shown to relieve chronic back pain, independent of their effect on depression.

Physical therapy and exercise
A physical therapist can apply a variety of treatments, such as heat, ice, ultrasound, electrical stimulation and muscle-release techniques, to your back muscles and soft tissues to reduce pain. As pain improves, the therapist can teach you specific exercises to increase your flexibility, strengthen your back and abdominal muscles, and improve your posture. Regular use of these techniques will help prevent pain from coming back.

Injections
If other measures don't relieve your pain and if your pain radiates down your leg, your doctor may inject cortisone — an anti-inflammatory medication — into the space around your spinal cord (epidural space). A cortisone injection helps decrease inflammation around the nerve roots, but the pain relief usually lasts less than six weeks.

In some cases, your doctor may inject numbing medication into or near the structures believed to be causing your back pain. Early studies indicate that botulism toxin (Botox) also may help relieve back pain, perhaps by paralyzing strained muscles in spasm. Botox injections typically wear off within three to four months.

Surgery

Few people ever need surgery for back pain. There are no effective surgical techniques for muscle- and soft-tissue- related back pain. Surgery is usually reserved for pain caused by a herniated disk. If you have unrelenting pain or progressive muscle weakness caused by nerve compression, you may benefit from surgery. Types of back surgery include:

Fusion. This surgery involves joining two vertebrae to eliminate painful movement. A bone graft is inserted between the two vertebrae, which may then be splinted together with metal plates, screws or cages. A drawback to the procedure is that it increases the chances of arthritis developing in adjoining vertebrae.

Disk replacement. An alternative to fusion, this surgery inserts an artificial disk as a replacement cushion between two vertebrae.

Partial removal of disk. If disk material is pressing or squeezing a nerve, your doctor may be able to remove just the portion of the disk that's causing the problem.

Partial removal of a vertebra. If your spine has developed bony growths that are pinching your spinal cord or nerves, surgeons can remove a small section of the offending vertebra, to open up the passage.
Prevention

You may be able to avoid back pain by improving your physical condition and learning and practicing proper body mechanics.

To keep your back healthy and strong:

Exercise. Regular low-impact aerobic activities — those that don't strain or jolt your back — can increase strength and endurance in your back and allow your muscles to function better. Walking and swimming are good choices. Talk with your doctor about which activities are best for you.

Build muscle strength and flexibility. Abdominal and back muscle exercises (core-strengthening exercises) help condition these muscles so that they work together like a natural corset for your back. Flexibility in your hips and upper legs aligns your pelvic bones to improve how your back feels.

Quit smoking. Smokers have diminished oxygen levels in their spinal tissues, which can hinder the healing process.

Maintain a healthy weight. Being overweight puts strain on your back muscles. If you're overweight, trimming down can prevent back pain.

Use proper body mechanics:

Stand smart. Maintain a neutral pelvic position. If you must stand for long periods of time, alternate placing your feet on a low footstool to take some of the load off your lower back.

Sit smart. Choose a seat with good lower back support, arm rests and a swivel base. Consider placing a pillow or rolled towel in the small of your back to maintain its normal curve. Keep your knees and hips level.

Lift smart. Let your legs do the work. Move straight up and down. Keep your back straight and bend only at the knees. Hold the load close to your body. Avoid lifting and twisting simultaneously. Find a lifting partner if the object is heavy or awkward.

Complementary and alternative medicine

Many people choose hands-on therapies to ease their back pain:

Chiropractic care. Back pain is one of the most common reasons that people see a chiropractor. If you're considering chiropractic care, talk to your doctor about the most appropriate specialist for your type of problem. In addition to chiropractors, many osteopathic doctors and some physical therapists have training in spinal manipulation.

Acupuncture. Some people with low back pain report that acupuncture helps relieve their symptoms. The National Institutes of Health has found that acupuncture can be an effective treatment for some types of chronic pain. In acupuncture, the practitioner inserts sterilized stainless steel needles into the skin at specific points on the body.

Massage. If your back pain is caused by tense or overworked muscles, massage therapy may help loosen knotted muscles and promote relaxation.

Do you know the benefits of doing Yoga?

2009-11-28T03:08:00.003+05:30

Yoga through meditation works remarkably to achieve harmony and helps the mind
work in synchronization with the body. How often do we find that we are unable to
perform our activities properly and in a satisfying manner because of the confusions
and conflicts in our mind weigh down heavily upon us?

Stress is the number one suspect affecting all parts of our physical, endocrinal and
emotional system. And with the help of yoga this things can be corrected.

At the physical level, yoga and its cleansing practices have proven to be extremely
effective for various disorders.

Listed below are just some of the benefits of yoga that you can get.

Benefits of Yoga 1: Yoga is known to increase flexibility; yoga has postures that
trigger the different joints of the body. Including those joints that are not acted upon with regular exercises routines.

Benefits of Yoga 2: Yoga also increases the lubrication of joints, ligament and
tendons. The well-researched yoga positions exercise the different tendons and
ligaments of the body.

It has also been found that the body which may have started doing yoga being a
rigid one may experience a quite remarkable flexibility in the end on those parts of
the body which have not been consciously worked upon.

Benefits of Yoga 3: yoga also massages all organs of the body. Yoga is perhaps the
only exercise that can work on through your internal organs in a thorough manner,
including those that hardly get externally stimulated during our entire lifetime.

Benefits of Yoga 4: Yoga acts in a wholesome manner on the various body parts.
This stimulation and massage of the organs in turn benefits us by keeping away
disease and providing a forewarning at the first possible instance of a likely onset of disease or disorder.

One of the far-reaching benefits of yoga is the uncanny sense of awareness that it
develops in the practitioner of an impending health disorder or infection.

This in turn enables the person to take pre-emptive corrective action

Benefits of Yoga 5: yoga offers a complete detoxification of the body. It gently
stretches the muscles and joints as we;; as massaging the various organs, yoga
ensures the optimum blood supply to various parts of the body.

This helps in the flushing out of toxins from every nook and cranny of your body as
well as providing nourishment up to the last point. This leads to benefits such as
delayed ageing, energy and a remarkable zest for life.

Benefits of Yoga 6: yoga is also an excellent way to tone your muscles. Muscles
which have been flaccid and weak are stimulated repeatedly to shed excess fats and
flaccidity.

But these enormous physical benefits are just a “side effect” of this powerful
practice. What yoga does is harmonize the mind with the body and these results in
real quantum benefits.

It is now an open secret that the will of the mind has enabled people to achieve
extraordinary physical feats, which proves beyond doubt the mind and body
connection.

In fact yoga = meditation, because both work together in achieving the common
goal of unity of mind, body and spirit which can lead to an experience of eternal bliss
that you can only feel through yoga.

The meditative practices through yoga help in achieving an emotional balance
through detachment.

This in turn creates a remarkable calmness and a positive outlook, which also has
tremendous benefits on the physical health of the body.

How does the Forex market differ from the Stock Market?

2009-11-28T02:59:00.002+05:30

Trading that takes place between two countries with different currencies is the basis for the fx market.The forex market is over thirty years old, established in the early 1970’s. The forex market is one that is not based on any one business or investing in any one business, but it is the trading and selling of currencies.

The difference between the stock market and the forex market is the vast trading that occurs on the forex market. There are millions and millions that are traded daily on the forex market, almost two trillion dollars is traded daily. The amount is much higher than the money traded on the daily stock market of any country. The forex market is one that involves governments, banks, financial institutions and those similar types of institutions from other countries. The

What is traded, bought and sold on the forex market is something that can easily be liquidated, meaning it can be turned back to cash fast, or often times it is actually going to be cash. From one currency to another, the availability of cash in the forex market is something that can happen fast for any investor from any country.

The difference between the stock market and the forex market is that the forex market is global, worldwide. The stock market is something that takes place only within a country. The stock market is based on businesses and products that are within a country, and the forex market takes that a step further to include any country.

The stock market has set business hours. Generally, this is going to follow the business day, and will be closed on banking holidays and weekends. The forex market is one that is open generally twenty four hours a day because the vast number of countries that are involved in forex trading, buying and selling are located in so many different times zones. As one market is opening, another countries market is closing. This is the continual method of how the forex market trading occurs.

The stock market in any country is going to be based on only that country's currency, say for example the Japanese yen, and the Japanese stock market, or the United States stock market and the dollar. However, in the forex market, you are involved with many types of countries, and many currencies. You will find references to a variety of currencies, and this is a big difference between the stock market and the forex market.

Travel Portal Yatra.com to Increase Focus on the Affiliate Marketing Programme

2009-11-26T01:17:00.004+05:30

For those of you in Affiliate Marketing program, this should be music to your ears!
Yatra.com, India's leading online travel company, has decided to focus more on the Affiliate Marketing programme in future. The Yatra Affiliate Program, which gives business opportunity to companies and individual website owners to generate revenue by promoting Yatra products and services on their website, projects to contribute 20% to the revenues of the company in less than a year through the programme. Currently the affiliate program is run through Shoogloo Network (OMG UK) and dgm India, which are pay for performance marketing companies.

Commenting on the program, Bharat Malik, Head Online Marketing for Yatra.com said, "Yatra Affiliate program started as an open business invitation to all the websites owners, giving an opportunity to monetize their website traffic with Yatra.com. The lucrative commission structure, which is Rs 270 to Rs 400 for domestic flight bookings, Rs 500/- for domestic hotels and Rs 600 to Rs 1000 for international flights and Rs 1000/- for holidays, has resulted in better overall conversions and return on investment in just less than two years."

He further added, "Having the first mover's advantage, Yatra.com understood that competition led to the increase in CPA (Cost Per Acquisition), which Yatra gets from Search Engine Marketing. For companies like us, where 90% of the transactions happen online, it was important to keep the CPA to the lower side, which we have implemented successfully. Our target would be to make affiliate marketing an integral part of our overall marketing strategy."

Dhruv Shringi, Co-Founder and CEO of Yatra.com said, "Today we realise that affiliate marketing, if well managed, is the most cost effective online marketing tool because there are millions of travel related domains / potential websites who can give highly qualified traffic to us based on pre-defined CPA. We are going to focus on this in the next six months and would like this channel to become one of the largest contributors to our topline."

LD Sharma, Founder & MD of Shoogloo Network said, "Merchants in India are still taking time to understand the concept and importance of affiliate marketing but Yatra.com is one of those few companies, who have tried, tested and benefitted from this. There are hundreds and thousands of website owners who have travel related websites and through affiliate marketing, they get a chance to earn unlimited commissions from players like Yatra.com."

Websites owners can become an affiliate simply by clicking http://www.yatra.com/affiliate/scripts/signup.php.
Yatra.com provides many tools to affiliates including dynamic booking engine, latest creatives, and lots more. Soon, Yatra.com will also be providing web services to the affiliates, which will allow them to create dynamic websites within minutes.

About Yatra.com

Yatra.com, rated as India's No. 1 travel website by Juxt Consult - India Online Survey 2008 is a one-stop-shop for all travel needs. From air tickets to hotel rooms to holiday packages to car rentals, yatra.com has everything to service today's traveller. With yatra.com, you can book air tickets over the internet, through their 24x7 customer care centre, Yatra.com Holiday Lounges or by simply using your mobile phone. Yatra.com gives you an access to the best travel deals across a myriad of national and international destinations. It is one of the largest consolidators of hotels in India. Yatra.com provides reservation for 3,000 hotels across 250 destinations in India. Yatra.com also has international tie-ups with all the major international airlines and provides real time access to over 90,000 hotels across the world. All products at yatra.com come with a best price guarantee and an assurance of instant bookings.

HURRY UP AND JOIN THE AFFILIATE PROGRAM!

Bajaj Allianz of India ties up with the movie 'Paa' to emphasize the importance of Child Plans and securing a child's future

2009-11-26T01:06:00.004+05:30

Bajaj Allianz today announced its tie up with the upcoming Amitabh Bachchan, Abhishek Bachchan starrer 'Paa' to extend its "Jiyo Befikar" message. AB Corp Ltd's presents 'Paa' in association with Reliance BIG Pictures, produced by MAD Entertainment Ltd. the film is one of the most eagerly awaited film of recent times. This tie-up further emphasizes the importance of financially securing a child's future through Bajaj Allianz Child Plans.

Continuing on the lines of the Child Plans campaign already on air, Bajaj Allianz has introduced an integrated advertisement on Child Plans which has been interspersed with the promo of the film.

Paa set to release on Dec 4 is a bright and cheerful family entertainer directed by R. Balakrishnan. Other than the venerable Amitabh Bachchan and Abhishek Bachchan, Paa also stars Vidya Balan & Paresh Rawal. The film has music by Ilaiyaraaja, lyrics by Swanand Kirkire and cinematography by PC Sreeram. One of the most awaited films of recent times Paa has generated huge interest amongst film-goers due to the rare and emotional subject, a unique role reversal between Amitabh-Abhishek Bachchan in the film and Amitabh Bachchan's look in the film.

Commenting on this association, Akshay Mehrotra, Head - Marketing, Bajaj Allianz, said, "In a country where Bollywood is nothing short of a religion, here is a unique opportunity to combine the story of an emotional relationship between a father and son with our unique Child Plan campaign. The integrated advertisement re-emphasizes the need for parents to think about their child's future and plan for their finances. The real life, and now reel-life, father-son relationship between Amitabh and Abhishek epitomizes how security can bring you happiness and comfort, which is a reflection of our 'Jiyo Befikar' message."

Responding to the tie-up, Director R. Balki said, "Financial planning for a child's future is an important element of the responsibilities that come with being a parent. It is a privilege to be associated with Bajaj Allianz and I feel this is a great initiative to spread awareness about Child Plans."

The integrated Bajaj Allianz and Paa promo is currently running on 16 prime television channels.

For more information on 'Paa' log onto www.paathefilm.com/www.bigpictures.co.i

About Bajaj Allianz

Bajaj Allianz is one of the leading Private Sector life & general insurance companies in India. Bajaj Allianz is a union between Allianz SE, the world's leading insurer and Bajaj Finserv Limited (recently demerged from Bajaj Auto Limited, one of India's most respected names). Allianz SE is a leading insurance conglomerate globally and one of the largest asset managers in the world, managing assets worth over a Trillion Euros (over Rs. 55, 00,000 crores). At Bajaj Allianz, customer delight is our guiding principle. Ensuring world class solutions by offering you customized products with transparent benefits supported by the best technology is our business philosophy. Bajaj Allianz began its operations in 2001 and today has a pan-India presence with over with offices and presence in over 1100+ towns in the country. The companies have been constantly expanding its operations to be close to their customers.

Bajaj Allianz Life Insurance has developed insurance solutions that cater to every segment and age-income profiles. Currently Bajaj Allianz has a strong product portfolio of over 30 flexible products and caters to all kinds of customer needs from ULIPs to Child plans, from group insurance to health insurance. Bajaj Allianz General Insurance is one of the leading private general insurance companies in India and is offering various general insurance products like motor insurance, home insurance, health insurance and also unique insurance plans such as wedding insurance, Event Insurance, Film insurance. Bajaj Allianz General Insurance has received a rating of "iAAA", which is the highest rating for claims paying ability from ICRA Limited (an associate of Moody's Investors). This rating has been affirmed for the last two years consecutively.

About Reliance Big Entertainment: Reliance Big Entertainment Ltd. (RBEL, www.rbe.in) is the flagship media and entertainment arm of the Indian conglomerate Reliance Anil Dhirubhai Ambani Group (www.relianceada.com). It has a significant presence in filmed entertainment (film production, distribution, exhibition and TV content), broadcasting, studio infrastructure, processing, digital services, music, home video, animation, events, out of home, gaming and new media.

Reliance BIG Pictures (www.bigpictures.co.in), RBEL's motion picture brand, has built a formidable Indian film production slate in English, Hindi and several other Indian languages, which it markets and distributes worldwide. The slate has projects with leading production houses and marquee Indian directors, both mainstream and arthouse, including Vidhu Vinod Chopra, Rakesh Roshan, Farhan Akhtar, David Dhawan, Indra Kumar, Anurag Basu, Kunal Kohli, Priyadarshan, Madhur Bhandarkar, Sudhir Mishra, Shaji N. Karun, Shyam Benegal, Rituparno Ghosh, Buddhadeb Dasgupta, M.S. Sathyu and Amol Palekar.

In Hollywood, RBEL has signed development deals with Julia Roberts' Red Om Films, Nicolas Cage's Saturn Productions, Jim Carrey's JC 23 Entertainment, George Clooney's Smokehouse Productions, Chris Columbus' 1492 Pictures, Tom Hanks' Play Tone Productions, Brad Pitt's Plan B Entertainment, Jay Roach's Everyman Pictures and Brett Ratner's Rat Entertainment. Reliance MediaWorks Limited, member of Reliance ADA Group is India's largest film processing, exhibition and services company.

Reliance ADA Group (www.relianceada.com) is among India's largest private sector, business houses and has interests in communications, financial services, health, energy, infrastructure and media & entertainment.

Pearson Education unveils the success slogan for students aspiring to Study in America

2009-11-26T00:59:00.003+05:30

Pearson Education, the global leader in educational publishing today launched Study in America, The Definite Guide for International Students written by Ms. Renuka Raja Rao. The event saw the presence of eminent guests like Shashi Tharoor & Rohini & Nandan Nilekani in whose presence the book was launched. This guide promises to provide students with authoritative, accurate, and invaluable information packed in an easy-to-read, student-friendly style.

Study in America provides aspiring students with step-by-step advice and unbiased information on the application, required testing, application essays, and financial matters. It also guides students on the all-important U.S. visa process. Sensitive to the specific needs of international students, this comprehensive guide shares information, anecdotes, and real-life examples needed to make a transition from one culture to another. A blog has also been developed where students, parents and counsellors can get the latest relevant information, share their experience, and resolve their queries. (http://studying-in-america.blogspot.com)

Speaking on the launch, Mr. Vivek Govil, President & CEO, Pearson Education said, “There are several excellent books available for students applying to the U.S. colleges—but they are all written by Americans, for American students, from an American perspective. Renuka has written a book although there is inexhaustible material available on the Internet, students find it hard to locate, and cannot be sure what is trustworthy, and what has to be discounted. Renuka has advised hundreds of students who decided to study in America. This book encapsulates her experience of invaluable information packed in an easy-to-read, student-friendly style.”

Talking about the book Ms, Renuka Raja Rao said, “Admission to American universities is not difficult - it is different. The time lines are different, the application process and required tests are different. The deadlines are much earlier than other countries. This book explains the differences. And understanding the differences helps students maximize their chances of admission.

Hundreds of admitted studentsare denied US student visas every year. This book helps students understand US visa requirements and makes them better candidates for F-1 visas.

This book is informative, instructive, illuminating AND entertaining.

Also present on the occasion were Ms. Rohini and Mr. Nandan Nilekani who said;”This book addresses a huge gap in knowledge, information and know-how, and is a must read for international students, parents and teachers; school, college and university libraries and anyone else involved in U.S. educational admissions”

America has always been a student’s favourite destination but the students have been struggling with getting the correct information. The Guide has concentrates primarily on International students, there are many books available in the market today that are written by American Authors for American students however as far as international students are concerned, they have requirements for special information and this book provides them with not just application procedures but also an insight into the life of being a student in the United States.

Some of the features of the book are:

· Details of formal processes shored up by practical advice

· A chapter dedicated to the visa process

· Original application essays and statements of purpose (SOPs) included

· Interviews with American officials

· Special emphasis on cultural adaptability

About Pearson Education

Educating 100 million people worldwide, Pearson Education is the global leader in educational publishing. Pearson Education India started its operations in April 1997 as an Addison Wesley liaison office. After the successive merger of Addison Wesley and Longman, followed by the acquisition of Prentice Hall by Pearson, the educational publishing business of Pearson was named Pearson Education.

Today, Pearson Education is the world’s leading educational and professional publisher. Pearson owns the brands such as Pearson Scott Foresman, Pearson Prentice Hall, Financial Times Prentice Hall, Wharton School Publishing, Pearson Longman, Pearson Addison-Wesley, Pearson Allyn & Bacon, Pearson Benjamin Cummings, among several others. Pearson India is now engaged in publishing Indian authors both for national and international readership.

British Airways's New Lollipop to Indians!

2009-11-26T00:53:00.002+05:30

British Airways today announced the launch of British Airways Business Opportunity Grants across India as part of the airline's commitment to help India's more than 13 million SMEs (Small to Medium Sized Enterprises) and to help stimulate local business.

The global economic downturn saw business travel budgets slashed by more than 56%*over the last 12 months. British Airways Business Opportunity Grants is designed to help drive business growth for small to medium sized companies by focusing on tangible, human connections as a crucial driver of business for Indian SMEs in this critical time.

Fifty small to medium sized companies will be awarded grants giving them free travel for one year to help support their business and seek out new opportunities. British Airways Business Opportunity Grants winners will be awarded 10 return British Airways Club World (business class) tickets to be used throughout 2010. The total value of the tickets is worth more than Rs 112,035,000/-

Judy Jarvis, country manager at British Airways, India, said, "British Airways is in the business of connecting people globally and we're aware that the key to building successful long-term business partnerships is through face-to-face meetings. This is the best way to grow long-term relationships in business. We hope that the British Airways Business Opportunity Grants will help India's 13 million plus SMEs to increase their revenues and help with their strategic growth plans."

The grants will offer winning companies the opportunity to travel overseas and conduct face-to-face business meetings that will result in stronger partnerships, new projects, and revenue for India SMEs. A group of independent judges will select the 50 winners, whose entries are the most apt and original, from among all eligible online submissions.

The British Airways Business Opportunity Grants programme was launched in Mumbai with support from cricketer Mr Sourav Ganguly, Dr Indu Shahani, the Sheriff of Mumbai, and prominent businessman, Mr Suhel Seth. The scheme is simultaneously being launched in the U.S. and U.K., Hong Kong, South Africa and the United Arab Emirates. It is being extended to India, one of the British Airways' fastest growing markets.

The Grants programme comes hot on the heels of a recent Harvard Business Review Analytical Services study which reveals that 95% of leading international businesspeople said they believe that face-to-face meetings are the key to success in building and maintaining long term relationships, and 89% agree face-to-face meetings are essential for "sealing the deal."

For a chance to win, companies should visit a dedicated micro-site: www.ba.com/india-grants and state their business objectives for 2010, and how a British Airways Business Opportunity Grant would benefit their organization.

On board, Club World business class customers can enjoy a sleek, comfortable cabin environment; elegant and classically British. From the ergonomically designed wider seating with the six-foot-six 'z' bed position, more storage and greater privacy, to the state-of-the-art in-flight entertainment and Club Kitchen, the business travellers' every need is catered for. On the ground, refreshments and business facilities in the Club World lounges at Terminal 5 ensure the business traveller benefits from feeling refreshed and ready to seize every business opportunity.

British Airways has always been in the business of connecting people. By providing opportunities for people to meet face-to-face, the airline aims to make business personal again.

Anyone interested?

Music genius A.R. Rahman's successful entry into Hollywood movies

2009-11-26T00:44:00.002+05:30

Academy Award-winning composer and internationally renowned musician A.R. Rahman makes his first foray into composing music for an American comedy feature film with Universal Pictures' forthcoming romantic comedy, Couples Retreat. The soundtrack will be released via Saregama India Limited digitally and in all retail outlets nationwide on November 30th.

For Couples Retreat, A.R. Rahman has conjured up the sounds of a tropical island oasis fusing the laid-back rhythms of island music along with his gift for creating golden melodies. The opportunity to work on Couples Retreat was a welcome challenge for Rahman who created a score that complements the film's light-hearted tone with a hint of his signature "Indian" sound.

"There are so many musical avenues to be explored," says Rahman. "I've wanted to try new things and for a long time and had hoped to have the opportunity to venture into American comedy. This film presented a lot of creative challenges and was deeply rewarding to be apart of.

A.R. Rahman captured the international spotlight after winning two Academy Awards for 'Best Original Score' for his work on Slumdog Millionaire and 'Best Original Song' for "Jai Ho" (Music by Rahman, Lyrics by Gulzar). Rahman also became the first Indian artist to win a Golden Globe for 'Best Original Score' and took home numerous awards including the Critics Choice Award, Los Angeles Film Critics Award and a BAFTA for Slumdog Millionaire. Rahman's score and soundtrack received critical praise from publications including Rolling Stone, Time Magazine, The New York Times and The Los Angeles Times.

A true artist who has redefined contemporary Indian music, A.R. Rahman is an icon in the world of cinematic scoring. He has been hailed by TIME magazine as the "Mozart of Madras" and was included in 2009's TIME 100, which profiles the world's most influential people, as well as Fast Company's 100 Most Creative People in Business. He has also earned the designation of being one of the world's top 25 all-time selling recording artists with sales of 100 million albums worldwide.

Couples Retreat is directed by Peter Billingsley and stars Vince Vaughn, Jason Bateman, Jon Favreau, Malin Akerman, Kristin Davis, Kristen Bell and Faizon Love. Based on an original idea of Vaughn's, the comedy follows four Midwestern couples who embark on a journey to a tropical island resort. While one of the couples is there to work on their marriage, the other three set out to jet ski, spa and enjoy some fun in the sun. They soon discover that participation in the resort's couples therapy is not optional. Suddenly, their group-rate vacation comes at a price. What follows is a hilarious look at real world problems faced by all couples. The film also stars Kali Hawk and Jean Reno.

Hewlett Packard new touch-enabled Photosmart printers set to become the latest must-have accessory at homes

2009-11-24T23:28:00.003+05:30

Leading the phenomenon of touch technology for consumers, Hewlett-Packard India today unveiled its new range of touch-enabled Photosmart printers. Better known as the HP Touchsmart series, these stylishly designed printers will allow users to indulge in and experience the magic of one touch printing. The bold looks and splendid designs of the new printer line-up have also inspired globally renowned fashion designer Ritu Beri to create a new ensemble, which resonated chic and elegance as models walked on the ramp at the launch the HP Touchsmart range in the city.

With Indian consumers integrating bold style statements into their day-to-day life, technology is molding itself into an extension of individual personalities, and styling up to the expectations of users. According to a report by Technopak, digital accessories form 13 percent of the luxury market, and by 2015, the Indian touchscreen market is expected to hit $9 billion, with a CAGR of 14 percent.

The new line-up of HP Photosmart touch-enabled printers have been designed exclusively for these urban trend-setters - including children, youth, and professionals working out of home - who are looking for easy user- interface, enviable looks, and the power to print life in all its colours.

With exciting new features, the exquisitely designed touch-enabled printers from HP including - HP Photosmart Premium C309G All-in-One, HP Photosmart Plus B209A All-in-One, HP Photosmart C4688 All-in-one and HP Photosmart C4788 All-in-One printers -make printing more intuitive and effortless. Each of these printers comes equipped with its own star features!

For Ritu Beri, a globally renowned designer, working with HP to create the experience of touch was an opportunity. "I am excited to be co-opting with the technology leader, HP, in this endeavour to blend lifestyle with technology. Drawing inspiration from the smooth finish of the new Touchsmart, my collection personifies sophistication and elegance. It defines the free-spirited modern woman, who enjoys independence and creates her own style! The collection is elegant yet comfortable. I believe in creating clothes that are wearable, just like the HP Photosmart printers, where technology adds to the consumer experience."

According to Christoph Schell, Vice President, Consumer Go To Market and Inkjet and Web Solutions Imaging & Printing Group Hewlett-Packard Asia Pacific & Japan, "Since HP introduced its first consumer touchscreen printer in 2006, our R&D teams have drawn from extensive consumer insights, and leading-edge touchscreen technologies to develop the new Touchsmart user interface that is simple and easy to use. It promises to make everyday printing intuitive and enjoyable. With this launch, we will be the first to make the touch technology available for printing through our Photosmart printers."

Warner Bros. Pictures India enters into an exclusive Multi-Picture Pact with Soundarya Rajnikanth's Ocher Studios

2009-11-24T23:21:00.000+05:30

Warner Pictures India has entered into an exclusive multi-picture deal with Soundarya Rajnikanth's Ocher Studios. The pact covers the production and distribution of Live-Action South Indian language films to be released by Warner Bros. The agreement was announced today by Soundarya Rajnikant MD, Ocher Studios and Blaise Fernandes Country Head for Warner Bros. Pictures India.

“We are excited and proud to be working with Soundarya Rajnikant who is extremely talented, has good insight into film making and knows the pulse of the southern market said Blaise Fernandes, Country Head for Warner Bros. Pictures India. “Given Soundarya and Ocher Studios creative skills combined with our marketing and distribution network this is a perfect synergy between the two companies to come together”.

“It is indeed a privilege for us to be associating with Warner Bros who are a world leader in the Entertainment Industry. Ocher Studios has always strived towards achieving high standards in quality content creation, and with Warner’s expertise in the marketing and distribution space this association will definitely create an impact in the film industry” says Soundarya Rajinikanth , MD Ocher Studios.

“We are thrilled with this opportunity to expand our Local Production business across all four southern languages by getting into a strategic alliance with Soundarya Rajnikant of Ocher Studios” says Richard J Fox, Executive Vice President, Warner Bros International “As is our practice we will work closely with our partners to impart our experiences and expertise in a collaborative way”.

About Warner Bros:

Warner Bros., a fully integrated, broad-based entertainment company, is the global leader in the creation, production, distribution, licensing and marketing of all forms of entertainment and their related businesses. Warner Bros., a Time Warner Company, stands at the forefront of every aspect of the entertainment industry, from feature films to television, home video/DVD, animation, comic books, interactive entertainment and games, product and brand licensing, international cinemas and broadcasting.

Warner Bros. Pictures has been at the forefront of the motion picture industry since its inception and continues as a worldwide box office leader today. With some 30 offices around the world, Warner Bros. Pictures is also the leader in the distribution and marketing of feature films to the worldwide theatrical marketplace, releasing films to more than 175 territories. Warner Bros. Pictures is home to such recent world-renowned hit films as Harry Potter and the Order of the Phoenix, 300 & I Am Legend.

Godrej SaraLee launches "Dhoni in new Avatar" for Advertising of Brylcreem

2009-11-24T23:11:00.001+05:30

Godrej SaraLee launched its new ad campaign for Brylcreem, India’s trusted styling gel. The new ad campaign communicates that hair styling for youth is an expression of their attitude & personality. Brylcreem, which leads this market with its range of hair styling creams & gels has identified this trend and has developed a new campaign with youth style icon MS Dhoni. The ad campaign shows MS Dhoni in completely new avatar. The campaign tagline is ‘Style is for everyone’.

“More and more youth are aspiring to look good like never before. Today looking good is no more associated with the upper end of the society. Look good products have established a position amongst the socio-economic strata. With growing urban affluence & the need to look good, male grooming products are finding more & more takers. Many supermarkets have gone ahead and established male grooming sections in their stores – something that is a trend in the West Brylcreem spotted this trend way in advance and created the new campaign that a common man can relate to” said Tarun Arora, Vice President, Marketing, Godrej SaraLee. “Brylcreem gel is equal to styling and style is for everyone across different sections of the society” he added.

The new Brylcreem advertising draws attention to the fact that men have also become style conscious and spend time in front of the mirror than ever before. Almost 70% of the men visit saloons once a month.

“I am very excited to be associated with “Brylcreem’s new campaign that has given me a complete makeover and the new spike look is excellent”, said Mr. M.S. Dhoni. I see there is lot of style statement all across the society be it Mumbai or Ranchi. I could relate to the campaign well while making of it,” added Mr. Dhoni.

“We have brought in democratization of style by this campaign. It took us almost one and half month to complete this shoot,” said Aggnelo Dias, National Creative head JWT added.

Notes to Editor

Godrej Sara Lee Ltd (GSLL) is a premier FMCG company in India, with market leadership in the household insecticides category and a strong presence in air-care, men’s hair care and shoe care categories. GSLL’s brand “Goodknight” has been adjudged as a Superbrand and is a generic name in the household insecticides category. Its other brands Hit, Jet, Ambipur, Brylcreem and Kiwi have also been pioneers in their respective categories, based on strong consumer-centric innovations.

Fake Kodak Inkjet Photo Paper being sold in the Indian Market!

2009-11-24T23:02:00.001+05:30

Consumers Beware! It is been observed that fake/counterfeit Kodak Inkjet Papers are being sold by several distributors/dealers around India. The product being counterfeited to date are the Kodak Glossy Inkjet Photo Paper especially the A4 173gsm. Please note that Kodak does not offer any 173gsm paper.

The counterfeit inkjet photo paper does not have any of the features for the products stated above and can result in poor performance such as smearing and smudging of images, unimpressive colors of the images and in the worst case scenario, the fading of the images itself after a few days. So we urge customersnot to use fake/counterfeit Kodak Inkjet Photo Papers and only purchase Kodak Inkjet Photo Paper from authorised dealers/distributors only. (please contact us for a list of distributors)

One can easily identify a original vs. a counterfiet product as the original Kodak Inkjet Photo Papers are available in box packing whereas the fake/counterfeit product is available in a poly packing. We have provided detailed information on our website, www.goldstoneltd.com/kodak-inkjet-paper.html to help you check whether the product that has been sold to you is original or not.

We urge you to check the following before purchasing Kodak Inkjet Photo Papers and inform us if someone sells you a counterfiet product such that the necessary action can be taken.

Notes to Editor

Goldstone Imaging is one of India's leading and fastest growing distribution company and is the exclusive distributor for Kodak Inkjet and Office Papers in India. You can contact them by email: kodak@goldstoneltd.com or by fax: (011) 23845054.

Siemens Gigaset crashes into Indian market with the launch of new cordless phones

2009-11-24T22:57:00.001+05:30

Gigaset Communications, one of the world's largest manufacturers of cordless telephones under the brand Siemens Gigaset, has entered the Indian market with the launch of new premium cordless phones. The European market leader with its headquarters in Munich and its primary production site in Bocholt (Germany) brings stylish cordless phones with broad functionality to Indian households. The new office is based at Mumbai and it will cater to the growing needs of Indian consumers.

Gigaset Communications brings stylish cordless phones with great functionality to Indian households. The new Siemens Gigaset phones are of superior quality and easy-to-use. These multi-talents also prove their value for everyday use in households and small offices with their convenient features. Equipped with cutting-edge technology, the new models from Gigaset Communications are elegant and energy-efficient.

At the launch in Mumbai José Costa e Silva, CEO, Gigaset Communications GmbH said, "We are delighted to launch our presence in India. As the European market leader in cordless phones and a premium manufacturer we look forward to providing innovative and high quality products to a discerning and growing Indian consumer base. Within a very short time period we will gain significant market share and shape the market to the benefit of the Indian customers."

Siemens Gigaset as a brand is synonymous with exceptional functionality for home communication. And with the launch of Gigaset products, the consumers in India will have a wider choice of cordless home communication products. It is a strategic move based on the fact that the Indian telecommunications market is the fifth largest in the world and second largest among the emerging economies of Asia. With India's large population base, there is great opportunity to drive huge volume of business.

Made in Germany-High quality and performance

The new cordless phones by Siemens Gigaset offer high quality performance and cutting-edge design. The models are built for easy use and durability. An average of half of all households in Germany and one in five in Europe now make their phone calls with a Siemens Gigaset made in Germany.

"Siemens Gigaset has proven that technology is a viable choice for consumers desiring the best sound quality possible from cordless phones. Gigaset's new phones redefine the standards for sound quality, energy-efficiency and home entertainment décor. Gigaset Communications stays committed to developing technology and products that go beyond current expectations of value, quality and innovation. Hence, we feel that this is a good time to launch our operations in India" added CEO José Costa e Silva.

Top-Notch Sound Quality

Brilliant sound, a convenient hands-free function and a headset connection make phone calls easy with the new Gigaset home phones.

ECO WDTC technology saves power bills

Thanks to Gigasets ECO WDTC technology customers can expect to use up to 60 % less energy savings. Feature phones, such as the Siemens Gigaset A680/685, C580 and S880 offer the ECO WDCT mode.

The launch of the operations in India and the opening of the new office in Mumbai mark Gigaset Communications' commitment to expanding its presence in South Asia and the next stage in the successful implementation of its international growth strategy. The company's commitment to a truly global strategy has been demonstrated by its impressive growth in Europe and Middle East. This dynamic expansion has added new locations to the existing network and has also brought the people closer worldwide.

Gigaset cordless phones are now in India and available in Mumbai, Delhi, Bangalore and Kolkata at electronics stores and leading Hypermarkets.

How does economic recession affect jobs?

2009-11-23T23:20:00.002+05:30

There is much talk about economic recession nowadays. People are crying about how economic recession is making their lives worse. The economic recession often refers to the two quarters of negative economic growth. A severe recession which lasts for more than two years, becomes a depression.

A recession is characterised by rising unemployment, increase in government borrowing, decrease of share and stock prices, and falling investment. All of these characteristics have effects on people.

People have a general understanding of the recessions’ negative effects. But how does an ordinary consumer get affected by a recession, employment in particular is not really clear.

John Schmitt and Dean Baker released a new report on the possible impact of the recession on What We’re In For, Projected Economic Impact of the Next Recession this year. In their report, the 2008 recession in United States is perceived to raise the national employment rate between 2.1 and 3.8 percentage points. This would be an equivalent of between 3.2 million and 5.8 million unemployed Americans. CalculatedRisk stated, based on this report and United States’ recession history, that economic downturn can be measured in how high the unemployed number of people rises.

Based from the United States recession history, there had been a handful of times when the unemployment rate has risen during an expansion. Unemployment had risen by 0.5 percent or and there were instances that it is less. But this scenarios happen when the country is not under any economic downfall. When the unemployment percentage reaches 0.6 percent, the economy is described to be under a recession. This year, the U.S. unemployment rate is nearly 1.1 percent.

Economists, until now have not yet formally labelled the economic downturn of the United States as an economic recession. Amidst falling home equity, the rising cost of food, health care and housing along with disturbing number of unemployment, economists is still claiming that there is still growth in the economy, even though it is small. People found it unnecessary for a formal announcement to actually feel the recession coming in.

According to Miami Herald, people unemployed are starting get desperate. The number or people out of work for six months or more increased from 160,000 from July to August. There are 10.7 percent of people who would like to have a full time job but
are unable to do so. Due to unavailability of working positions.

It does not matter if you have a college degree under your belt. College graduates this year are also experiencing the highest unemployment rate since 2004 with 2.7 percent. Meanwhile, 9.6 percent of high school graduates are unemployed and this figure is also highest rate since 1996.

Most of the job losses are in the manufacturing sector, which lost 61,000 jobs this year. In the manufacturing industry, Miami Herald cited 20 percent of job loss even though the export numbers are increasing.

Even though the pay or salary is increasing, a 3.6 percent increase compared to 2007 salary, it is insufficient compared to the fast rate of increase in the prices of primary commodities. The consumers’ buying power is still low. Food and beverage costs are 5.8 percent higher than 2007.

For those who were left employed and thanking their lucky stars, there is still a hitch. Companies are already cutting the health coverage for their employees. Currently, $694 and $3,281, respectively, according to the most recent data by the Kaiser Family Foundation.

Economic recession is an event which is very difficult for everybody. Hopefully, the real economic status will be recognized immediately to be properly addressed and solve.

Economic recessions do happen at times.

2009-11-23T23:15:00.001+05:30

An economic recession is normal because it is part of the business cycle. This usually happens after the economy recovers, expands and then slows down again which usually lasts for 2 to 4 consecutive quarters.

Unlike the four seasons we experience every year namely spring, summer, winter and fall, this does not happen annually. The last time we had to deal with this was 8 years ago and during the early 1980’s.

The indicators which the economic experts look at to tell if something is wrong include consumer spending, the unemployment rate, industrial production, real income and wholesale trade. To help stimulate the economy, the Federal Reserve lowers the interest rate.

Unfortunately, this does improve the situation overnight and since it takes months before we are able to see any improvement, we have to do our share to cope with the current situation.

People will have to tighten their belts, which means buying items only when it is necessary. A good example is food since we need this on a daily basis. If there are other companies that offer similar services at a lower rate, it will be a good idea to switch as well.

Another thing most people will need to do is trade in their large vehicles for those that are more fuel efficient. This is not surprising because many have already done so even before the economic slowdown because of the increase in price per barrel of oil.

Businesses on their part have no other recourse but to slash jobs in other to stay in afloat. The bad news is that you just increased the number of people who are unemployed.

So should companies slash jobs? Not really because if the company focuses more on customer service, lowering their price points and making reductions elsewhere, customers will still patronize their business. When the current situation improves, the price of these goods and commodities can go back to where they were before.

Is an economic recession all bad? The good news is no, because it opens a lot of opportunities for people who have money. For instance, investors will be able to borrow money at a low interest rate from the bank and people will be able to bonds, properties as well as stocks at very affordable prices.

But this is something that not everybody will be able to do. Instead of saving money, some can make money on the side by offering their skills to others.

An economic recession comes and goes. It does not happen only in the US but in Europe and Asia as well. Many experts believe that the current economic recession happening now will have an impact elsewhere and they are right because the European Union has finally admitted that they are currently experiencing a slowdown.

Since you are not sure if an economic recession will affect you or not, it is best to be prepared by paying close attention to your personal finances. You should learn to save up by putting your money in the back, investing in things that will have good returns in the future and not buying items which you know you can’t afford. If you need help, hire a financial planner to help you out so you are sure that if the inevitable does occur, you are safe.

How to treat grey hair

2009-11-08T00:39:00.000+05:30

Aside from wrinkles, sagging facial muscles and the tired haggard look, one of the most obvious manifestations of looking aged is graying hair. The sad part of it is that it affects men and women alike and could happen at any age. This may probably be the reason that many anti-aging treatments especially hair dyes were formulated ling before most anti aging treatments came to be. With rapid advances in science though, gray hair treatments are today not only limited to the manufacture and sales of hair dyes. There are several approaches that could be resorted to in combating the onset of graying hair.

Treatments for graying hair could be categorized into the following basic approaches:

Cosmetic Treatments

Hair dying is the most convenient, most common and the oldest approach to treating gray hair. Hair dyes are formulated so that the molecules could penetrate through the hair cuticles without causing cuticle damage. While most hair dyes employ chemicals in their formulas, the most common ingredient being ammonia, there are also hair dyes that use vegetable colors for those who have concerns regarding applying dyes with chemicals on their hair. Henna and sage are the best examples for these.

Medical Treatments

What gives the hair color is the amount or the concentration of melanin that is present in the body. Melanin gives skin color as well as hair color. It is also a determinant whether a person will tan or burn in the sun. The production of melanin in the body slows down as a person ages. The purpose of medical treatments for graying hair is to reverse the slowing down process of melanin. Drugs are applied to reverse the depigmentation some of the drugs used are Auxins, Imatinib Mesylate and Gleever. These drugs are always dispensed by qualified physicians as others may cause side effects, are not commercially available or are in fact treatments that were originally intended for other ailments.

Application of Topical Nutrients

The following are universally accepted topical solutions that are applied to improve the nutrients that the hair receives and fight against graying hair. Some of these are ancient remedies and are proven trough time.

Eugenol Oil – Applied topically, the active ingredients of eugenol oil come from cloves. Eugenol oil has demonstrated to restore the dolor of the hair.
Amla Oil – This oil strengthens the follicles of the hair facilitates pigmentation and hair growth.
Ligustrum – Has long been used by the Chinese to prevent graying of hair.
Ashwagandha – This one increases the melanin in the hair treating the grays and giving back its color.
Superoxide Dismutase - Are compounds that are often found in hair gels to protect against graying of the hair.
Shampoos with Omega-3 – Omega 3 are anti-oxidants that fight against degrading of the cells. Omega-3 provides nutrition for the hair follicle to fight against premature graying.
Melanin – Could also be applied topically in the scalp.
Retin A – When combined with alpha-hydroxyl acid are powerful agents that give back the hairs natural color.

There are also several nutrients for the hair that could be taken orally. They could be in combination with other drugs or are their main ingredients. These oral treatments could come in the form of capsules and tablets. Some of these are vitamin 12, minerals, Biotin, folic acid, Para - Aminobenzoic Acid, and Inositol.

How to manage your anti-aging treatment

2009-11-08T00:32:00.002+05:30

A clear anti-aging treatment guide is what you need to make your skin care fruitful. While most women think it is more than hard work to achieving the goal of keeping your skin healthy and youthful, it doesn't have to be that difficult. In fact, if you know the simple steps to having a daily skin care treatment, there won't be necessarily a need to resort to expensive procedures just to maintain a flawless skin and body.

To help slow down the effects of aging, you need to understand why the skin wrinkles, sags, and loses the vitality it possesses during youthful days. The simplest explanation for this condition is due to the fact that as the body ages, the skin cells and tissues fail to produce enough important structural proteins, specifically collagens and elastins, which are responsible for making the skin firm and elastic. Due to some damaging factors, production of these proteins slows down affecting the elasticity and firmness of the skin. Since it is these proteins which are greatly responsible in maintaining the skin, it should be these elements which should be targeted when you are undergoing daily skin care routine or anti-aging treatment.

Here are some essential points regarding the preservation and maintenance of these components to slow down if not stop the signs associated with aging. These can be considered as simple measures to preserve and maintain the glow and vitality of your skin for as long as possible.

• First of all, human body is generally comprised of 70% water. It may appear that this is a frequently used advice offered by the experts and even non-experts, but drinking enough amount of water everyday is actually fundamental. Keeping your body hydrated is one key to keeping your skin young and clean. Most experts recommend drinking eight glasses of water in a daily basis enough for a good skin hydration.

• What you eat reflects on your outer appearance. So if your diet is poor and contains mostly junks, you will notice that the skin echoes its bad results. A good diet ideal for having healthy and glowing skin must consist of more vitamins and minerals, and lots of antioxidants. You mostly get these nutrients from leafy green vegetables and fruits.

• Short exposure to sunlight can be beneficial to your health and skin; however it is different story when it is a long exposure. While sunrays provide vitamin D, too much exposure provides harmful UV rays as well; therefore becoming very detrimental to your skin. So when outside, always avoid the sunlight or use good sunscreen or sun blocks to protect your skin.

If you are going to use anti-aging treatment products or skin care routine, it is advisable that you select those that aid in the following:

• Collagens and elastics. There are anti-aging treatment products that claim they contain these two important proteins; however, this type of product is not advised since these proteins are too large to be absorbed by the skin pores. What you should choose are products that boosts production of these proteins.

• Skin nourishment. To achieve supple, vibrant, and young skin, your body must be properly nourished by a good diet and lots of water.

• Mild and natural anti-aging skin care treatment. Using mild and natural anti-aging treatment products effectively neutralize results of aging specifically premature skin aging.

Are you protecting your cyber identity?

2009-11-04T01:07:00.002+05:30

Today everyone is worried about Identity Theft. Cyber thieves use all kinds of methods (hacking, use of spyware for intercepting information, etc.) in stealing personal or financial information from their victims, mostly from the computers.

The latest of these nefarious activities even sports a name: phishing (pronounced like ‘‘fishing”). The thief sends a simple e-mail that looks like it came from a genuine site (mostly from financial institutions as Citibank, eBay, PayPal, Best Buy and others), telling you there is a problem with your account.

They would then ask you to click on a certain link in the e-mail, and you are taken to a site that looks exactly like that of your bank. Here, they will ask you to fill out again your Social Security or credit card numbers, and/or other confidential numbers.

The following are some ways to minimize the risk of your identity being stolen:

Do business with reputable companies
Some attackers may try to trick you by creating web sites that appear to be legitimate.
Don’t visit any site that is using third party links. Open a new browser and type the address yourself if you want to visit a site.

You can also check privacy policies to see how the company in question use and distribute information. Many companies allow customers to request that their information not be shared with other companies.

Maintain a security mindset – always be skeptical of unfamiliar sites and links, suspicious e-mails and IM messages.

Anti-virus software and firewall
As standard practice, use and maintenance of an anti-virus software and firewall will protect your computer from attacks that may steal or modify data in your computer.
Make sure to keep your anti-virus program and firewall up to date.

Fighting identity robbery
As precautionary steps, regularly check your credit reports for strange transactions or transactions you don’t recall, unusual charges on your bills, bills for products and services you don’t have, or worse, unexpected denial of your credit card.

Once the identity robbery has been confirmed, calls to appropriate companies and agencies have to be done immediately. Have your credit card accounts closed right away so future charges will be denied.

Contact the Social Security Administration if your SSS card number has been accessed or the DMV if your driver’s license or car registration papers were stolen. This is to warn these agencies for possible unauthorized use of your personal ID information. Of course, you need to file a criminal report with the local police.

For U.S. citizens, you need to contact the main credit reporting companies (Equifax, Experian, TransUnion) to see if there had been any unexpected or unauthorized activity. Have fraud alerts placed on your credit reports to prevent new accounts from being opened without verification. File a complaint with the FTC and IFCC.

A website, IdentityTheftActionPlan.com, had been created to help citizens prevent, detect, and respond to identity theft and fraud. Within the site is information on how identity theft occurs, the latest prevention tips, what to do in case you are victimized and pertinent information of law enforcement agencies that investigate these crimes. Two other sites to learn more about phishing and ID theft are the following: consumer.gov/idtheft/ and
idtheftcenter.org

Vigilance, information and action
Cyber security dictates that every cyber citizen (those using computers and the Internet in most of their activities) needs to be vigilant at all times.

Everyone is enrolled to keep up with the latest info, so that they can do the same by themselves.

Can social networking bring you the love of your life?

2009-11-04T00:55:00.002+05:30

Most people have searched long and everywhere to find love. They have gone to bars and told a friend to hook them up but they have failed. Should you also give up? No because there, you might just find yours through social networking.

Social networking allows you to make new friends. In this case, finding Mr. or Mrs. Right so they can live happily ever after. For this to work, the first thing you have to do is become a member. Some of these sites allow you to join for free while there are others that will require you to pay a small fee.

After completing your profile, the social networking site will match your requirements with the existing database and then provide you with a list of some prospects.

What you will see in your account is the member’s photograph and brief version of who they are. If you want to know more, you can click on their profile. Should this person sound interesting, it is time to initiate contact and hopefully, that person will respond in kind.

The first point of contact is usually through email. If things are going well, then you can exchange telephone numbers and get to know each other some more. The next step is considered to be a “big” decision because it is here that you will decide to meet this person for the first time and hope that things will work out.

You should be cautious because it is really scary to meet someone you have never met before. Remember that just because he or she says this is who they are doesn’t necessarily mean that it is true so if at any point you feel something amiss, it is best to end it and find someone else.

You should schedule the meet in a private place, bring a friend along or tell your friends who you are meeting so if anything should happen, they can report it to the authorities.

But there are some individuals who use social networking sites for other purposes. For instance, there are specialty dating sites that are designed to hook people up. Another name for it is called a swinger’s club and you could have a lot of fun as long as you are open-minded about it.

Before you join a social networking site looking for love or any other purpose, you should be sure that it has systems in place that is designed to protect your personal information so it cannot be hacked especially when incidents of identity theft are on the rise.

Will social networking make you finally meet true love? The answer is no but there is always that possibility. You just have to put yourself out there and hope for the best because that is all anyone can ask for.

There are hundreds of social networking sites that can help you find love and it does not cater only to men or women but also to gays and lesbians as well. If you really think that there is someone out there, sign up, become a member and post your profile. If things are not going so well, post your profile in another site because you are selling yourself to someone who is interested in accepting you for whom you are.

Indian Prepaid Mobile users can now earn money on their recharge!

2009-10-12T22:16:00.002+05:30

If you are using any of the Prepaid mobile services like Reliance, Airtel, Vodafone, Idea, Tata Indicom, Aircel, Virgin Mobile and more, here is a unique income opportunity for you from "The All India Mobile Club, Chennai. You become a member of the club by paying a deposit of Rs.1000. This Rs.1000 is returned to you in the form of 10 recharge coupons of Rs.100 each given by the company as top ups. The top up is automatically done by the company and on the same day every month. So your investment is safe and there is no loss at all.

The main idea is to attract all individual customers who are topping up their mobiles at retail shops. For this, AIMC is offering incentives to people who bring new customers in. After a certain period, if everyone tops up his own mobile with the company, there will be a recurring income to the introducers as well as discount for the new customers. (AIMC gives 1.5% discount to those who top up with them. And shares the revenue with the introducers too. Also AIMC gives you one time incentive when some one gets referred under you.)

Then the fun begins. You introduce your friends and relatives to join under you doing the same joining like you and under you. Everyone needs top ups, so no can refuse. They will gladly join because of the promise of a great referral income and business income. For every pair under you, you get Rs200!. The trick is the company allows only 2 referrals per person. All others you bring in are placed below your referrals by a system where everyone is paid upto 15 levels!

If you keep promoting, you get a downline and your downlines get downlines and everyone gets paid ! There is a restriction of earning Rs.1000 per day. People have already started earning Rs 30,000 per month! Initially you will get a few referrals but with everyone promoting after you, your earnings cannot be stopped at all. Use the contact numbers given in this amazing website below for all details and join this club now.

This is a newly launched concept. In 2 years time, all prepaid mobile customers in India will be joining this club. If you join today, you will be at the top and earn a good income. It's a WIN-WIN situation for everyone! Hurry up. Here is link to the website

http://dlbwealth400.brinkster.net/?rid=sunderv

Don’t forget to view the powerpoint slide presentation. The link is at the bottom of the site.

Are you struggling for cash?

2009-08-17T09:23:00.003+05:30

If you are, then this is the program for you. With just a 4$ investment you get a website and many many tools to promote it. Start getting multiple 4$ payments the first day. I've got plenty. Here is the link...

http://pullingmoney.yolasite.com

Money Talks: 10 Ways to Save Money on Small Business Taxes

2009-08-17T01:23:00.000+05:30

http://www.noobpreneur.com/2009/06/08/10-ways-to-save-money-on-small-business-taxes/

10 Ways to Save Money on Small Business Taxes

2009-08-17T01:13:00.001+05:30

Ah, business taxes – You hate them but you need them to fund your community to be a better place to live and do business.

With the ever-increasing pressure of taxes on small businesses, owners need to find ways to minimise tax expense, legally.

Here are ten ways for small business owners to save money on business taxes:

Read more on http://www.noobpreneur.com/2009/06/08/10-ways-to-save-money-on-small-business-taxes/

Travel Pod..for those wanting to travel to India

2009-08-17T00:57:00.004+05:30

If you are a travel enthusiast and want to see the best places in India, then Travel Pod is the answer for you. You get to learn about destinations,flights, cars, hotels, tours, travel insurance and what not. Read all about it here...

http://www.travelpod.com/travel-blog-country/India/tpod.html

Happy travel

STORYPOT: A holiday in Hawaii?

2009-08-17T00:20:00.000+05:30

STORYPOT: A holiday in Hawaii?

Money Talks: Get paid to drive by Free Car media

2009-08-14T02:49:00.000+05:30

Money Talks: Get paid to drive by Free Car media

Get paid to drive by Free Car media

2009-08-14T02:30:00.001+05:30

Yes, this is true...read further...

Advertising companies which are non traditional like "Free Media Car" will wrap your car in advertising. They pay you several hundred dollars per month just to drive your car.

Apparently companies are paying you to just to drive your car around with an advertisement. They are called "get paid to drive" or "free car" programs" promotions. Although they aren’t as plentiful as they once were, these programs exist. The key is knowing where to look and having what it takes to make you an ideal advertising driver.

It has being said at myfreecar.com:

"FreeCar is advertising supported. Advertisers choose the drivers they want based on the information you provide us. You will never have to pay a cent to participate in the program.

When you are chosen, your vehicle will be wrapped in an attractive advertisement and you will get paid up to $900 a month. Most programs average 3 months but some are longer and others shorter."

I think some companies are willing to pay over 500 hundred a month while otheres pay under this. It could be based off of where you live, the car you drive, and your driving record.

Health Insurance: The New Hot Seller Online?

2009-08-14T02:20:00.001+05:30

Want to buy health insurance online? Read below..

Health Insurance: The New Hot Seller Online?
August 13, 2009
By the ZippyCart Shopping Carts Content Team

The economy has been struggling a bit over the last year resulting in many people losing their jobs. When you lose your job and have health insurance, you have the ability to extend coverage under The Consolidated Omnibus Budget Reconciliation Act which is better known as COBRA. It gives families the option to pay and continue their existing health care plan. With the existing state of the U.S. health care system this Act is extremely critical to ensure that families are protected in the event they need medical attention. Coincidentally, comScore reported that online searches for the word "COBRA" have tripled over the past year. People are taking advantage of this Act because health care coverage is so vital. Two other related terms that also experienced significant traffic increases were "Apply for Medicaid" and "Health Insurance Quotes". Consequently health insurance comparison sites like AssurantHealth.com andeHealthinsurance.com have also had solid growth in their traffic, with eHealthInsurance reaching over 1.2 million visitors in the month of January 2009.

On the opposite end of the spectrum comScore reported web traffic to HMO and health insurance company sites have steadily declined over the last year. The loss of insurance for many families has resulted in them not having any need to visit these sites. This is again directly correlated with the massive job losses experienced throughout U.S. over the past year. Luckily recent indications in the stock market and other economic reports have shown positive upward trends in many business sectors.

As the growth continues, it begs the question: Is health insurance the new hot seller in ecommerce? The online shopping space has always been a utopia for consumers searching for the best deal for verious material goods. WIth companies like eHealthInsurance and AssurantHealth, a different form of ecommerce emerges — one that sells peace of mind. Tracking trends like this may help you with your existing online business or perhaps an idea for a new online business. Consider the value of peace of mind and determine how you can offer this value to your customers.

Travel enthusiasts In India will welcome this

2008-05-26T16:35:00.005+05:30

This one came across the wire today. Travel enthusiasts in India will welcome this

New Delhi, Delhi, IND, 2008-05-25 17:18:32 (IndiaPRwire.com)

B & C Travel Plaza Pvt Ltd, launches its online venture - Flightsportal.com, We at Flightsportal.com aims to be one of the largest travel portal of India, The website, www.flightsportal.com is integerated with the online search engine to enable visitors check real time availability of all scheduled indian flights, book & pay online just with the single click.

Flightsportal.com, as of the nature of the name Flightsportal doesnot enable visitors to book flights only but it offers real time booking of Hotels and Packages also Flightsportal.com has a lots of unique features like Travel News Desk, Travel News desk is designed for Travel related news and Travel Blogs... Users can register and can post news and talk to other users throgh Blogs.

In addition, to the real time booking engine Flightsportal.com brings you to check your flights status just with a click of mouse... Flight status can be checked with in 72hours of your flight. This is a unique feature in Indian Online Travel Portals.

"Flightsportal.com is designed to be very user friendly website", Says Chandra Mohan, CEO of Flightsportal.com to let our customers benefit we are running offers like up 25 % Off on selective Flights & 30% Off on companion's ticket.

- End -

Flightsportal.com is an online venture by B & C TravelPlaza Pvt Ltd. Established in 2004 formarly known as One World Travel is a travel services and support enterprise with an emphasis to provide comprehensive, competent & competitive travel services, Our core competency is our focus on rendering efficient and cost-effective travel solutions to all your travel and related requirements.

Flightsportal.com is a India based travel company, having its network all over the country and Hotels Plaza is an online approach and place where people can share their flights experience and get awareness about the travel regulations as well as flights poral is a commercial website. We are a young, energetic and enthusiastic team of professionals, headed by a group of experienced individuals with a combined field experience of over two decades. We are one of the leading players of the industry, known for our impeccable services and well preserved moral values. Our well researched and carefully designed tour itineraries have drawn us a veritable list of clients from all over the world giving us a pace to compete with eminent global players.

We understand the travel requirements of our valued customers, and our dedicated team of professionals strive hard to deliver the best of the services. Our extensive network, spread across all corners of India ensure that our clients' trips remain absolutely hassle-free, which help them to experience the very best of this magical land with an open mind and enthusiastic soul. Our fast growing list of satisfied customers are ready facts to support our stand

We specialize in Individual Travel arrangements and tailor made itineraries at every budget level. Our aim is to provide a personalized first class service to the discerning leisure and corporate traveler.

We aim to offer the traveler a professional service at a reasonable price. We are always looking to expand our product range to meet the current demands and our efforts to do us are totally market driven. Hence, your feedback on requirements and improvement in our service level is always welcome.

Flightsportal.com Team

Beware of credit card offers

2008-05-21T01:01:00.003+05:30

Beware of credit card offers

Today's post explains a few things about credit card , and if you're interested, then this is worth reading, because you can never tell what you don't know.

Mr. Raj Kanwar. Family man with four dependants, an aged mother, wife and a school-going child. Being the only earning member of his family, he earns Rs.10,000 per month. He has XYZ Credit Card but is unable to repay the dues. He now receives calls from recovery agents and lawyers.

This is typical of many consumers today. Irresponsible use of credit facilities and a relative low awareness of the workings of sophisticated financial products have made such situations common. Most people do not plan their spending. They do not save for rainy days and unforeseen situations as medical expenses, marriages, education, maintenance of properties, loss of job or losses in business.

In the modern financial world, consumers desperately need Financial Counselling. It is appalling to note that a major portion of disposable incomes is used by many to repay debt. A large percentage of credit card holders owe more than about 20 to 25% of their annual income. With such startling statistics, education and awareness is need, particularly for the following issues:

1. Budgeting and saving

2. Choosing, using and repaying credit like housing, auto, personal loans and credit cards

If you don't have accurate details regarding credit card , then you might make a bad choice on the subject. Don't let that happen: keep reading.

3. Modern products introduced by banks and financial institutions e.g. Debit Cards, Demat accounts, Mutual Fund products, etc.

Indian Scenario

Many consumers look resourceful and prosperous. Starting their adult lives with a healthy financial status, they end up in a financial mess a few years down the line. Even household savings are relatively low. Consumers don’t analyze their repaying capacity before borrowing. They are often caught in debt traps and the resultant follow up by banks and financial institutions for recovery, will look like harassment. Instead of apportioning their incomes to meet future/emergency expenses, they end up with multiple loans for housing, automobile, household appliances, furniture, holidays to foreign locations and thus live beyond their means. Their hidden pride does not allow them to admit their ignorance in financial management. Many consumers feel it is wasteful to spend precious time in investment decisions, which should be left to the experts. They simply sign documents at the places marked without attempting to read their contents or understand what they are signing. The excuse of lack of time often causes ineffective and poor financial decisions. Many a time they are ashamed of seeking help to manage their finances.

- End -

ICICI Bank has established their financial counselling centre DISHA with the objective of increasing awareness about financial products and services and thus promoting better understanding and decision-making. Part of their Corporate Social Responsibility activities, DISHA provides free counselling, financial education and debt management services to consumers, irrespective of whether they are an ICICI Bank customer or not.

DISHA, managed by seasoned retired bankers of commercial banks and Reserve Bank of India, is already present in Ahmedabad, Chennai, Delhi, Hyderabad, Kanpur, Ludhiana and Mumbai. SMS DISHA to 53030 for address or visit www.dishafc.org details.

Cricket is no more a game

2008-05-13T22:34:00.004+05:30

You should be able to find several indispensable facts about Cricket in the following paragraphs. If there's at least one fact you didn't know before, imagine the difference it might make.

Cricket is not just a game anymore. Cricket is business and a big one at that. In India, cricketers are earning money which was unheard of even a decade ago. Top Test players make more money off the ground by endorsements and other business than they do by playing for the country. Even Ranji Trophy players are better off financially than their counterparts in other sports. Cricket is no more a gentleman's game; now it is business and big business at that.

IN the not too distant past playing international cricket matches (especially between India and Pakistan) in offshore venues of Sharjah, Dubai, Toronto and Singapore was frowned upon. The matches there were fixed, the pundits said. In the late 90s the Indian board imposed a blanket ban on Indian team playing there.

But how did all this change so rapidly? Ask the three men responsible for this great change - Sharad Pawar, Bindra and Lalit Modi of the BCCI (The Board of Control for Cricket in India). They broght in the Indian Premier League, the richest cricket tournament in the world! In case you did not know, Indian cricket is administered by the BCCI, which is a quasi government organization that is run by bureaucrats and administrators. India has the largest cricket fan base around the world.

Hopefully the information presented so far has been applicable. You might also want to consider the following:

Today BCCI is the richest cricket body in the world. It has, according to reports, made investments of over Rs 180 crore in fixed deposits in nationalised banks and has also earmarked Rs 48 crore for various activities in the current year. The national coach, physio and most of the back-up men have been appointed from abroad. But nobody is complaining. The marketing skills of those who run Indian cricket must come in for praise, along with the appeal the game has in the country. The board earns money through sponsorships, match fees, TV rights and also as its share from the ICC as profits of the World Cup and the ICC Trophy.

Will the game suffer in the long run? Players are no more concerned on how well they play...many of them want to be selected just for a few games and mint money in crores or millions. But there is nothing much to worry about in the 20/20 format as the players play mainly to entertain and keep the ad agencies happy.

But in all this chaos about hitting sixes and making money only there was a sad note as well. Adam Gilchrist, the famed Australian wicketkeeper batsman, who pulverised bowlers all over the world for more than decade has announced his retirement. He was a true gentleman on the field though not at all gentle in hitting those sixes! There was so much bad blood between the Australian and Indian cricket teams recently in the matches being played. But not "Gilly". He never took part in the sledging and bickering that went on (He was right behind the stumps). Instead he concentrated only on hitting the ball very hard when he batted. Why did he have to retire so soon? The reason he gave was he had dropped a catches of late! Bull! Far lesser cricketers are still playing only for money. Why did you have to do it Gilly? Here is a small tribute to you I have written in verse...please read and be of good cheer.They say the search engines pick up these feeds for the world to see...everyone should get to know this tribute to you. Here it is...

Tribute to a man named Adam Gilchrist

Once there was a man named Gilly

He made bowlers all over the world look silly

When he hit the ball it soared high into the air

Never to return if only to tear their bellies bare

Even the umpires felt greatly enthused

As he hustled and bustled joyfully to the crease

For they would see the ball being belted with such contemptous ease

Only to keep the giant scoreboard ticking with ever increasing speed

One two three four

Seven to ten sixes in a row

He would with utter disdain hoist them wide into the howling stands

Only to force the poor fielders to piss wet in their pants

Oh, why did he have to retire

This glorius hitter of the ball

What did a few dropped catches matter of late

For he had taken plenty in the days gone great

Not once did he join in the monkeying that went on in the game

For he was of a decent race in spirit and name

Not all the dollars the Khans, the Mallyas, and the Modis paid for him to play

Can ever outweigh our love for him forever today

We will sing praises forever to the Lord, our God

For giving us this priceless cricketer, dear God, our God

If ever He were to say "What! I can always grant you another!"

We'd cry out to him and say"only Gilly, only Gilly, Lord"

There's no doubt that the topic of Cricket these days can be fascinating. If you still have unanswered questions about Cricket, you may find what you're looking for in the next article.