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Posted by Arun On 2:32 AM 0 comments
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Arun Gandhi


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Quick Maths - part 1

Posted by Arun On 6:49 PM 0 comments

Maths Calculations - an another way
15 * 15   = ??
25 * 25   = ??
35 * 35   = ??
.
.
.
 
Here is a simple way to calculate these
Just append 25 at the end
15 * 15 = (1*1)+1 append(25) == 2   25
25 * 25 = (2*2)+2 append(25) == 6   25
35 * 35 = (3*3)+3 append(25) == 12  25
45 * 45 = (4*4)+4 append(25) == 20  25
55 * 55 = (5*5)+5 append(25) == 30  25
65 * 65 = (6*6)+6 append(25) == 42  25
75 * 75 = (7*7)+7 append(25) == 56  25
85 * 85 = (8*8)+8 append(25) == 72  25

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Now some people are really stupid!!!!  Be sure and cancel your credit cards before you die.  

This is so priceless, and so, so easy to see happening, customer service being what it is today.


A lady died this past January, and Citibank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to Citibank.


Here is the exchange
:

Family Member:
  'I am calling to tell you she died back in January.'

Citibank
:
 'The account was never closed and the late fees and charges still apply.'

Family Member
: 'Maybe, you should turn it over to collections.'

Citibank
: 'Since it is two months past due, it already has been.'

Family Member
: So, what will they do when they find out she is dead?'

Citibank
: 'Either report her account to frauds division or report her to the credit bureau, maybe both!'

Family Member
: 'Do you think God will be mad at her?'

Citibank:
'Excuse me?'

Family Member
: 'Did you just get what I was telling you -  the part about her being dead?'

Citibank
: 'Sir, you'll have to speak to my supervisor.'
 
Supervisor gets on the phone:
 
Family Member: 'I'm calling to tell you, she died back in January with a $0 balance.'
 
Citibank: 'The account was never closed and late fees and charges still apply.'  
 
Family Member: 'You mean you want to collect from her estate?'
 
Citibank: (Stammer) 'Are you her lawyer?'
 
Family Member: 'No, I'm her great nephew.' (Lawyer info was given).  
 
Citibank:   'Could you fax us a certificate of death?'
 
Family Member: 'Sure.' (Fax number was given).
 
After they get the fax:
 
Citibank: 'Our system just isn't setup for death. I don't know what more I can do to help.'
 
Family Member: 'Well, if you figure it out, great!  If not, you could just keep billing her. She won't care.'
 
Citibank:  'Well, the late fees and charges do still apply.'
 
(What is wrong with these people?!?)
 
Family Member: 'Would you like her new billing address? '
 
Citibank: 'That might help...'
 
Family Member:  ' Odessa Memorial Cemetery , Highway 129, Plot Number 69.'
 
Citibank: 'Sir, that's a cemetery!'
 
Family Member: 'And what do you do with dead people on your planet???

(Priceless!!)
  

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Really humorous…



In Prison… U spend the majority of your time in an 8'X10' cell.

At Work… U spend most of your time in a 6'X8' cubicle.

In Prison… U get three meals a day (free).

At Work… U only get a break for one meal and probably have to pay for it yourself.

In Prison… U get time off for good behavior.

At Work… U get rewarded for good behavior with more WORK .

In Prison… U get a guard to lock and unlock the doors for you.

At Work… U must carry around a security card and unlock open all the doors yourself.

In Prison… U can watch TV and play games.

At Work… U get fired for watching TV and playing games.

In Prison… U are allowed to be visited by your family and friends to visit.

At Work… U can not even speak to your family and friends.

In Prison… U get all expenses paid by taxpayers with no work at all.

At Work… U get to pay all the expenses to go to work and then they deduct taxes from your salary to pay for the prisoners.

:

:

:

Hummm?

:

:

:

Which Sounds Better?

:

:

:

So what are you waiting for...??? Kill your Boss....

Success in life depends upon two important things.
Vision : Seeing the invisibles &
Mission : Doing the impossible.




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Best friend's note

Posted by Arun On 7:10 PM 0 comments

You are my
Awesome
Best
Caring
Dear
Enjoyable
Fun loving
Gentle
Highly rated
Impressive
Jolly
Kind
Lovely
Meaningful
Nice
Outstanding
Precious
Quaint
Reliable
Smart
True
Unforgetable
Very good
Wanted
Xtraordinary
Young
Zoozoo like
                         FRIEND
 

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How PPF fares as an investment option

Posted by Arun On 10:41 PM 0 comments

How PPF fares as an investment option


What is the difference between EPF and PPF?
 
 
Where Employees Provident Fund serves all salaried employees, the Public Provident Fund serves everyone - the employed, the unemployed and even children and housewives.
 
The access to the fund is also quite easy as any post office and some State Bank of India  branches can help you open the fund.
 
The purpose of a provident fund is to provide individuals some form of savings for their retirement years. Naturally, the EPF and PPF are for long-term savings.
 
 
What kind of income can one expect from PPF?
 
The return from the fund is in the form of interest paid.
 
The interest rate currently is 8% compounded annually.
 
The interest, however, is not paid out but is compounded till the maturity or withdrawal.
 
With the current levels of inflation real and stated, the returns from the PPF fund could be low.
 
This is a typical asset class mismatch.
 
 
Is there any capital appreciation?
 
Being a typical debt investment, there is no capital appreciation for the investment.
 
 
What is the risk involved in this investment?
 
 
There is hardly any risk for the capital or the returns from the PPF deposit.
 
The risk however, is with inflation which could possibly reduce the value of the returns in the long term and the other disadvantage is the long lock-in period of 15 years.
 
 
How about liquidity of the investment?
 
 
The PPF gives very little liquidity too.
 
The fund, as mentioned earlier, is for a minimum of 15 years.
 
This can be extended for a further period of five years, each indefinitely.
 
 
The liquidity is in the form of withdrawals that can be made from the fund from the seventh year onwards.
 
The withdrawal value is however limited to a maximum of 50% of the average of the last 3 years' fund values.
 
After the seventh year, one withdrawal can be made every year, based on the same condition.
 
 
What happens in the case of the death of the account holder?
 
 
In case of death of the account holder before the maturity of the account, the fund will be paid to the nominee/ legal heir.
 
 
How is PPF treated for tax?
 
 
This is where the PPF scores very high.
 
The PPF comes under the Exempt- Exempt- Exempt category currently.
 
This means that the amount invested gets tax benefits, the interest is not taxed and this applies for the final maturity amount as well.
 
 
The investment gets benefits under Section 80C of the IT Act.
 
The investment however is limited to a maximum of Rs 70,000 per year per person.
 
This limit includes the deposits made in the name of any dependent children.
 
 
Are there any other specific benefits that I need to know?
 
 
Some other unique benefits from the fund are:
 
* There is no wealth tax on the value of the fund.
 
* In case of insolvency the money in the fund will not be attached to the assets.
 
So only this investment is truly ours, come what may. (Except for education in a philosophical sense).
 
This feature can be very useful particularly for business people in high risk industries / businesses. The fund cannot help anyone if there is tax evasion though.
 
 
How does it score on convenience?
 
 
The fund scores high on convenience. As a savings tool, it is incomparable in terms of the flexibility of payment and quantum.
 
You can make up to 12 contributions per year.
 
Each contribution can be as low as Rs 100 subject to a minimum of only Rs 500 per year.
 
There has to be at least one contribution per year. In case no payment is done for a whole year, there is a charge of Rs 50 when the next investment is made.
 
The objective is to make savings as comfortable and convenient for the minimum possible investment.
 
 
A minor disadvantage is that the fund is yet to go online.
 
So we have to carry our passbook and also face a queue to make the payment every time.
To sum up
 
PPF is a typical savings tool but one has to invest for the long term.
 
This means that there is an asset class mismatch. But on the convenience side, the fund scores pretty high for the flexibility that it offers.
 
 
There are additional unique advantages in the form of wealth tax and insolvency benefits from the Public Provident Fund.
 
On the flip side, the long term (minimum 15 years) of the plan is a limitation.


 
 

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My First Cheque

Posted by Arun On 8:52 PM 0 comments
Low, but my first cheque :)

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More Satyams in a new Telengana?

Posted by Arun On 6:11 PM 0 comments

More Satyams in a new Telengana?
 
 
Carving small states (Jharkhand , Chattisgarh and Uttrakhand ) out of larger ones (Bihar, Madhya Pradesh, Uttar Pradesh ) has so far proved an economic success . Not only have the new states grown faster economically, even Bihar and Uttar Pradesh have experienced much faster growth after the separation, though not Madhya Pradesh.
 
This appears to strengthen the case for creating more small states such as Telengana.

Yet a short visit made to Andhra Pradesh showed dramatically that a separate Telengana could result in problems that other newly-created states have not experienced.
 
The biggest is a problem of land ownership, and this could conceivably create new Satyams. I
 
n Hyderabad, some, though by no means all, businessmen talk with trepidation.
 
The fears are highest among the Andhras, folk from the coastal districts, who fear they will be adversely affected and maybe even forced to flee by the local folk or mulkis.

One such businessman told me, "My driver, a local mulki, said to me, quite gently, that when I left Hyderabad after the separation of Telengana, could I please gift my car to him?" Another businessman trumped this with a better story. "My domestic servants", he said, "requested me to hand over my house to them as and when I leave!"
Is it really possible that a new Telengana will spark the mass exit of outsiders? No, says economist C H Hanumantha Rao.
 
 
There is some fear among coastal Andhras, but not among people from other parts of India. Obviously mulkis will get a much larger share of government jobs, but not of business. The real fear of businessmen is not of physically being expelled.
 
Rather, it is about land, in which businessmen have sunk enormous sums, and which they might now lose. Businessmen have a second, and more credible fear.
 
 
They say that the Maoists who were tamed by Y S Rajashekhara Reddy will make a comeback in the new Telengana, since a small state will not have the resources to tackle the Maoist menace.
 
That could affect business prospects and land values.

The big difference between a separate Telengana and other newly created states like Jharkhand, Chattisgarh and Uttrakhand relates to the state capital. In the three earlier cases, the state capital remained with the original state.
 
But Hyderabad, the capital of Andhra Pradesh, will go to Telengana.
 
This horrifies coastal Andhras who claim to have created 90% of Hyderabad's wealth.

A compromise could be to make Hyderabad and the surrounding Rangareddy district a Union territory housing the capitals of both Telengana and residual Andhra Pradesh.
 
 
This solution worked when Haryana was carved out of Punjab. However, politicians leading the movement are dying to lay their hands on the lucrative land of Hyderabad, and will never give up this golden goose from which they hope to get a thousand golden eggs.
 
 
Vast amounts of land around Hyderabad have been grabbed in questionable ways. In a new Telengana, many existing landowners — including major
industrialists — may lose enormous tracts of land worth thousands of crores. Illegal land grabbing has till now been very lucrative, but may become the kiss of death after Telengana's creation.
 
 
All Indians love land, but in Andhra Pradesh it is a veritable passion .
 
Coastal Andhras have engaged in an orgy of land speculation in the last decade. This passion for land ultimately caused the fall of Ramalinga Raju of Satyam:
 
He lost his company because of his forays into real estate, through Maytas and other channels.

Like many other Andhra businessmen, Raju borrowed enormous sums for buying land, and prospered as land prices went through the roof.
 
But then prices collapsed with the onset of the global recession, catching many speculators — including Raju — with their pants down. As India emerged out of the recession, land prices started recovering everywhere.
 
But with the announcement of a separate Telengana, real estate prices have fallen once again in Hyderabad and surrounding areas.

This has hit the state government's finances. It had hoped to raise Rs 12,000 crore through land sales, a figure that now looks impossible.
 
Far worse hit are thousands of land speculators, including a host of top businessmen. Nobody knows for sure who controls how much land in Hyderabad and Rangareddy districts, since much of the land is occupied illegally or through dubious means.
 
But the risk is clear: land debacles could create new Satyams.

The risk should not be exaggerated. Most businessmen who survived the Great Recession should be able to survive the separation of Telengana too.
 
But some may collapse. Many politician-speculators will suffer too, and so are among the strongest opponents of division. However, division is inevitable : it is only a matter of time.

Many mulkis resent what they see as the obscene prosperity of outsiders, especially coastal Andhras, who dominate not only land and business but also professional jobs and government employment .
 
 
In many states migration has occurred from poorer to richer areas, but in Andhra Pradesh farmers moved from the prosperous coastal areas into Telengana , a region that used to be part of princely Hyderabad under the Nizam, and was terrible backward in education, agriculture , roads and everything else.

The Andhras brought in improved farm practices, skills and capital. They helped develop Hyderabad and the rest of Telengana, which is no longer backward compared to the state as a whole. Public sector investment, especially in defence industries, brought in many new skills and services.
 
And more recently the IT companies came roaring in, many run by coastal Andhras.

But although the newcomers greatly improved and enrichened Telengana, they also aroused resentment and accusations of quasi-colonialism.
 
Being better educated, they dominated government jobs. Osmania Unversity's students are at the fore of the Telengana agitation because they hope to dominate government jobs in the new state.

However, there is no reason to think that more land and jobs for mulkis will mean the expulsion of coastal businessmen. The real risk lies elsewhere: in the continuing fall of land prices, leading possibly to new Satyams. 




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The Long Wait for 3G, But What is it Exactly?
 
 
 
 
To most of us in the technology circuit, the coming of 3G has been long awaited. We've been expecting it for over a year now and I'm sometimes tempted to believe its coming here is just a myth. The mystery seems to be why is it taking so long. For the average mobile user frustrated with the use of EDGE, which is fully capable of getting most of the job done but just isn't as fast as we hoped, 3G will be a godsend. Although most mobile phone users I spoke with, even those who have changed their handsets multiple times over the course of history, didn't really know what 3G actually meant.
Most understood it to be mean faster internet connectivity, a few thought that all it meant was you'd be able to make video calls to others like they show in the movies. Others simply thought I was referring to the iPhone Third Generation handset and not the technology. In the simplest of terms, what 3G means for the average user is speedier access to the internet and VOIP services. So what does 3G or Third Generation mean in a stricter sense of the term? Take a look at where it's come from.
The path to 3G
3G is the result of nearly a decade of development and evolution of the GSM standard. It brings with it a host of changes, including near broadband-like data speeds, video conferencing – and, with the increasing complexity of mobiles, support for new technologies such as GPS and streaming video.
Image Source: Anritsu
However, before it reached its current state, GSM had to undergo a rather painful growth. GSM was conceived in the early 80s as a common standard to be deployed across Europe. This required the cooperation of 13 countries and sharing of knowledge before the first network went live in 1991.
After that it went through a lean phase with adoption being slow, as there were a pressing number of issues such as excess traffic handling ability, lack of network security and cost of deployment. Another aspect was the fact that 1G networks were purely analog networks. Thanks to these, the towers for these networks had to be powerful and put out some strong signals for the (bulky!) handsets to receive them. The lack of mass adoption meant call rates were high.
2G brought with it some crucial changes which included increased traffic handling, improved call clarity by a liberal use of voice codecs, and reduced power requirements which allowed handsets to become smaller and consume less power. 2G also brought with it call encryption which made 'wireless sniffing' next to impossible. All this was made possible as networks were now fully digital.
The introduction of 2G networks was a catalyst for the explosion of the GSM phenomenon. The rapid pace of adoption saw the cost of equipment fall, and deployment costs going down rapidly. The most important fact of this particular generation was the emergence of text messaging, popularly known as SMS. It became the one 'killer' feature on whose popularity alone GSM saw some explosive growth.
This growth was not smooth, however. Around this time the Internet had exploded and proliferated as a mass medium. As mobile telephony began to get more popular (and in some countries even overtook fixed line telephony) as the main method of communication, the need for 'always-on' data connectivity was felt. This was made possible with the introduction of GPRS, a massive step up from the previous generation.
Thanks to GPRS, it became possible to be always connected via a WAP browser to the Internet and have anytime, anywhere access at usable speeds. To accommodate this, networks were enhanced to better support data connectivity. This generation also saw the evolution of the SMS standard into a multimedia-ready state (MMS). While MMS didn't have the same commercial success as SMS, it nevertheless came to define the 2.5G standard.
It is here that we see a curious fork in GSM evolution. UMTS was intended to be a direct upgrade for all 2.5G networks. However, due to the very high costs involved, a new form of data connectivity was offered to compensate and offer good standby service till 3G could be implemented. This service was called EDGE and was an evolution of the old GPRS format. It offered vastly superior speeds and far better connectivity for the newly emerging camera phone market and smartphones. This phase is now popularly referred to as 2.75G .
Image Source: Networkworld

This brings us to 3G. Technically it's a direct upgrade to EDGE networks, but it runs on a wholly different set of frequencies. It also employs a different underlying technology (WCDMA) and can make only part use of existing networks. Entirely new infrastructure has to be deployed for the successful roll out of 3G.
 
What 3G offers
From video phone calls to using the Internet to make calls (VoIP) to wide-area wireless voice telephony and broadband wireless data services, 3G offers it all. Just imagine being able to see on your phone screen someone you're in conversation with! (Of course, this may not always be in your best interests, should you be in the middle of something indiscreet, but nevertheless it is the next step in mobile technology.)

3G technology allows you do all of this and so much more. The technology also makes it a lot easier for mobile service providers to easily support a larger amount of voice as well as data users. To give you a clearer view, these are some of the services that 3G, as a whole, offers users:
  • Mobile TV (DVBH)
  • Video calling, video mail and video conferencing
  • GPS and car navigation
  • Digital catalog shopping
  • B2B applications
  • Remote medical diagnosis and education
  • Digital audio and video delivery

To avail of these services, your mobile device has to be 3G compatible. Of course, these days most are. Switching to a 3G way of life also requires a hefty investment from the service providers. Perhaps that's why we haven't seen it in India yet. But, as we mentioned, it won't be too long now.

What lies beyond
While India takes its first 'baby' steps towards 3G, the rest of the world has moved on. 3G already has an upgrade – 3.5G, which has brought streaming TV, the ability to stream video directly from your cellphone (similar to a webcam), and a whole lot of other amazing features. In India we've been waiting a really long time for the service to kick in and it seems like that wait is not yet over. So far BSNL and MTNL are the only two mobile service providers that are operating with 3G services. Unfortunately the 3G range is limited to very specific areas of a few cities that include Mumbai and Delhi.  Number portability is supposed to become a reality this month but the few reps of the various mobile service providers I spoke with seemed quite skeptical of its arrival before the first quarter of 2010.

 
 

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US is world's laziest nation: Survey

Posted by Arun On 11:02 PM 0 comments
US is world's laziest nation: Survey
 
 
 

Thu, Feb 18 03:55 PM

New York, Feb 18 (ANI): Americans are the laziest people on the planet, according to a new survey.

 

The Daily Beast survey took into consideration daily calorie intake, TV viewing habits, percentage of the population that plays sports and Internet usage, reports the New York Post.
 
Out of those four categories, the US was first in calories and watching the most TV - enough for the top spot.
 
The Canadians came second after leading the planet in Internet usage.
 
Belgium, a nation known for its waffles, beer and pomme frittes, stood third while Turkey landed the fourth spot.
 
The last in the survey was Switzerland since its people spend the least amount of time in front of the TV of all the 24 countries on the list.
 
The top five laziest countries are:
1. US
2. Canada
3. Belgium
4. Turkey
5. Great Britain (ANI)
 
 
 


 
Patience & politeness are a reflection of a person's inner strength.
 




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Top 5 Picks 19 FEB 2010

Posted by Arun On 11:00 PM 0 comments


Top 5 Picks.................... 19 FEB 2010

 

 

 

 

 

Cipla Ltd
19 Feb 2010, 0145 hrs IST

 

 

 
 
Latest Quotes | Charts | News/Announcements | Quarterly Results | P&L | Price History

Recommendation: Buy

Last Close: Rs 318

Target: Rs 360

Stop Loss: Rs 290


The stock had completed its medium-term correction. Currently, the stock is trading on its trend line support. The cluster of moving averages also provides support near Rs 310 level. Buy-on-dip strategy could be implemented here.
 
 
 

Divi's Laboratories Ltd
19 Feb 2010, 0144 hrs IST

 

 

 
 
Latest Quotes | Charts | News/Announcements | Quarterly Results | P&L | Price History

Recommendation: Buy

Last Close: Rs 605

Target: Rs 720

Stop Loss: Rs 535


The stock had completed its correction from a Symmetrical Triangle breakout. The stock had also retested the triangle support of Rs 560. It is currently trading near its 200-DWMA at Rs 580. Buy on Dip strategy could be implemented here.
 
 

Housing Development & Infrastructure Ltd
19 Feb 2010, 0144 hrs IST

 

 

 
 
Latest Quotes | Charts | News/Announcements | Quarterly Results | P&L | Price History

Recommendation: Sell

Last Close: Rs 315

Target: Rs 210

Stop Loss: Rs 360


The stock breached the medium-term uptrend and is moving in a down trend. The stock breached the price channel and is now heading for lower lows. Sell-on-rise strategy could be implemented. Sell HDIL near the Rs 330 region
 
 
 

Tata Motors Ltd
19 Feb 2010, 0144 hrs IST

 

 

 
 
Latest Quotes | Charts | News/Announcements | Quarterly Results | P&L | Price History

Recommendation: Sell

Last Close: Rs 709.85

Target: Rs 585

Stop Loss: Rs 780


The stock has given a trend reversal and is now in a weak trend. The stochastic is in a oversold zone and a pullback till the Rs 740 level is possible. The MACD is supporting the sell signal. Sell-on-rise strategy could be implemented here.
 
 
 

Voltas Ltd
19 Feb 2010, 0144 hrs IST

 

 

 
 
Latest Quotes | Charts | News/Announcements | Quarterly Results | P&L | Price History

Recommendation: Sell

Last Close: Rs 158.5

Target: Rs 128

Stop Loss: Rs 790


The stock had breached important medium-term uptrend. The stock has breach the channel and now heading for lower lows. The trendline resistance will be at Rs 173. Sell-on-rise strategy could be implemented here.


Patience & politeness are a reflection of a person's inner strength.

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Put the Glass DOWN!

Posted by Arun On 11:17 PM 0 comments

Professor began his class by holding up a glass with some water in it.
He held it up for all to see & asked the students
"How much do you think this glass weighs?"

'50gms!' ...... '100gms!' .....'125gms' ....the students answered.

"I really don't know unless I weigh it," said the professor, "but, my
question is:

What would happen if I held it up like this for a few minutes?"

'Nothing"..the students said.

'Ok what would happen if I held it up like this for an hour?' the
professor asked.

'Your arm would begin to ache' said one of the student

"You're right, now what would happen if I held it for a day?"

"Your arm could go numb, you might have severe muscle stress &
paralysis & have to go to hospital for sure!" ventured another student
& all the students laughed

"Very good.

But during all this, did the weight of the glass change?"
asked the professor.

'No". Was the answer.

"Then what caused the arm ache & the muscle stress?"

The students were puzzled.

"What should I do now to come out of pain?" asked professor again.

"Put the glass down!" said one of the students

"Exactly!" said the professor.

Life's problems are something like this.
Hold it for a few minutes in your head & they seem OK.

Think of them for a long time & they begin to ache.
Hold it even longer & they begin to paralyze you. You will not be able
to do anything.

It's important to think of the challenges or problems in your life,
But EVEN MORE IMPORTANT is to 'PUT THEM DOWN' at the end of every day
before You go to sleep..

That way, you are not stressed, you wake up every day fresh &strong &
can handle any issue, any challenge that comes your way!


So, when you leave office today,
Remember to
'PUT THE GLASS DOWN!'



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Infosys Scholarship for Poor Students

 

PLEASE SPREAD THE NEWS


 


Infosys Scholarship for Poor Students who completed 10th std.-Pls. Read & Forward to benefit the needy
Dear Friends,

If you have come across any bright students coming from poor financial background who have finished their 10th standard this year (April 2009) and scored more than 80%, please ask them to contact the NGO-Prerana (supported by Infosys foundation).  The NGO is conducting a written test and those who clear the test will be eligible for financial help for their further studies.

Please ask the students to contact the people mentioned below to get the form

#580, Shubhakar ,
44th cross,1st 'A' main road,jayanagar 7th block Bangalore
Mob no- 9900906338(saraswat i)

Mr. Shivkumar ( 9986630301) - Hanumanthnagar office

Ms. Bindu (9964534667 )-Yeshwantpur office


Even if you don't know anyone, please pass on this info, someone might be in need of this help desperately
 

 



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Re: Mid-term picks of the day.......

Posted by Arun On 8:44 AM 0 comments


On Fri, Feb 5, 2010 at 10:13 PM, Arun <arungandhis@gmail.com> wrote:
Mid-term picks of the day
NOTE: DONOT PURCHASE ON 05 FEB 2010 as the market will fall !!!!
 

Dhampur Sugar
5 Feb 2010, 0508 hrs IST

 

 

 
 

RECOMMENDATION: Buy

MARKET PRICE:Rs 125

TARGET PRICE:Rs 191

Apart from bumper profits in sugar produced by sugarcane crushing operations, the company will generate huge profits from processing imported raw sugar that was purchased at very low cost. Profits to quadruple in FY10 . The stock trades at valuations of 3.1x FY10e EPS and 4.2x FY11e EPS.
 
 
 

Apollo Tyres
5 Feb 2010, 0503 hrs IST

 

 

 
 

RECOMMENDATION: Buy

MARKET PRICE:Rs 55

TARGET PRICE:Rs 66

Strong Demand environment from OEMs and replacement market coupled with the capacity addition of 100 tpd at its new plant in Chennai will add significantly to volume growth in FY11. At the current market price, the stock is trading at 7.3x and 6.6x its FY11e and FY12e consolidated earnings of Rs 7.5 and Rs 8.3.
 

Greaves Cotton
5 Feb 2010, 0458 hrs IST

 

 

 
 

RECOMMENDATION: Buy

MARKET PRICE:Rs 280

TARGET PRICE:Rs 365

The robust volume growth in the sales of its key clients like M&M and Piaggio is likely to drive overall volume growth in the engine division. Supplies to Tata Motors will start in the next year, aiding further volume growth. The stock is trading at 12.7x and 9.8x its FY10e and FY11e earnings of Rs 22 and Rs 28.6.
 

Pratibha Industries
5 Feb 2010, 0454 hrs IST

 

 

 
 


RECOMMENDATION: Buy

MARKET PRICE:Rs 325

TARGET PRICE:Rs 450

The company has a strong and diversified order book of Rs 3,500 crore with a major presence in water & irrigation and urban infrastructure segments. We expect 37% and 33% CAGR in sales and PAT respectively over FY09-12E. At CMP, the stock is trading at 6.6x its FY11 earnings that is cheap compared to its peers.
 

Torrent Pharma
5 Feb 2010, 0449 hrs IST

 

 

 
 
RECOMMENDATION: Buy

MARKET PRICE:Rs 451.3

TARGET PRICE:Rs 554

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Patience & politeness are a reflection of a person's inner strength.




--
Arun Gandhi.
Accenture
Ph: 9966019593

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Why did the chicken cross the road?

Posted by Arun On 6:18 PM 0 comments

Why did the chicken cross the road?



KINDER GARTEN BOY


To get to the other side.



GEORGE BUSH


We are committed to establishing a democracy where chickens freely cross roads without oppression from terrorist organizations.



Azharuddin


I am totally innocent, you know, I'm unnecessarily being dragged into this, you know, because I'm from the minority.... . I neither know the chicken nor the road, you know....



George Fernandes


I am deeply hurt that this question is being asked after my 40 clean years of public life. I don't own a house, or a car, leave alone a chicken !!!



Mulayam


I demand a 50% reservation of the road for the chicken class, so that they can cross the road freely without their motives being questioned



ARJUN SINGH


Our policy will ensure the development of socially underprivileged chickens so that they can also cross roads.



Abdul Kalam


Yes, why did the chickens cross the road? ... Please tell me why? .. They crossed to go to the other side of the road.... Now repeat after me ....



Advani


I see Pakistani hand in this ...



Vatal Nagaraj


No Tamil or outside chickens will be allowed to cross our roads, our roads are meant only for Kanadiga chickens!.



Bal Thackarey


Chickens crossing the roads is against our culture, my followers will stone all such chickens which cross the road.



Jayalalithaa


From reliable sources I've got the information that the chicken belongs to Karunanidhi. He is making his chicken cross the road to create law & order problems. The chicken has now been imprisoned under POTA.



Amitabh Bachhan


The chicken has crossed the road?.. Are you sure.. Very sure ... Really sure...



Venkaiah Naidu


"We are very sure of the fact that the chicken did not cross the road. It's a conspiracy by the congress. The poor chicken has been made a scapegoat in this whole issue"



H.S.Surjeet


We are adopting a wait and watch policy. We have convened a meeting of the third front today. We will decide the future course of action after the chicken comes back..



Maneka Gandhi


Chicken crossed the road alone...!! If a vehicle had passed over it, we would have lost one of our dearest creatures. Ban all vehicles from using the road. Protect our chickens...





Laloo Prasad Yadav


I have introduced CHICKEN RATH, a special train for chicken so that they don't have to cross the road.





Inzaman Ul Haq


Bismillah  It was team effort, all boys played really well, specially Afridi. and finally get the chicken to road cross.



Osama Bin Laden


Chicken will ultimately destroy the western world. Amen.



OUR H.R.


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BBC says about Taj Mahal---Hidden Truth--- Never say it is a Tomb...

Aerial view of the Taj Mahal...

The interior water well...

Frontal view of the Taj Mahal and dome...

Close up of the dome with pinnacle...

Close up of the pinnacle...


No one has ever challenged it except Prof. P. N. Oak, who believes the whole world has been duped. In his book Taj Mahal: The True Story, Oak says the Taj Mahal is not Queen Mumtaz's tomb but an ancient Hindu temple palace of Lord Shiva (then known as Tejo Mahalaya ) . In the course of his research Oak discovered that the Shiva temple palace was unsurped by Shah Jahan from the then Maharaja of Jaipur, Jai Singh. In his own court chronicle, Badshahnama,
Shah Jahan admits that an exceptionally beautiful grand mansion in Agra
was taken from Jai SIngh for Mumtaz's burial . The ex-Maharaja of Jaipur
still retains in his secret collection two orders from Shah Jahan for
surrendering the Taj building. Using captured temples and mansions, as a burial place for dead courtiers and royalty was a common practice among Muslim rulers.

Inlaid pinnacle pattern in courtyard...

Red lotus at apex of the entrance...

Rear view of the Taj & 22 apartments...

View of sealed doors & windows in back...

Typical Vedic style corridors...


For example, Humayun, Akbar, Etmud-ud-Daula and Safdarjung are all buried in such mansions. Oak's inquiries began with the name of Taj Mahal. He says the term " Mahal " has never been used for a building in any Muslim countries from Afghanisthan to Algeria . "The unusual explanation that the term Taj Mahal derives from Mumtaz Mahal was illogical in atleast two respects.

Firstly, her name was never Mumtaz Mahal but Mumtaz-ul-Zamani ," he writes. Secondly, one cannot omit the first three letters 'Mum' from a woman's name to derive the remainder as the name for the building."Taj Mahal, he claims, is a corrupt version of Tejo Mahalaya, or Lord Shiva's Palace . Oak also says the love story of Mumtaz and Shah Jahan is a fairy tale created by court sycophants, blundering historians and sloppy archaeologists Not a single royal chronicle of Shah Jahan's time corroborates the love story.

The Music House--a contradiction...

A marble apartment on ground floor...

A locked room on upper floor...

The OM in the flowers on the walls...

Staircase that leads to the lower levels...


Furthermore, Oak cites several documents suggesting the Taj Mahal predates Shah Jahan's era, and was a temple dedicated to Shiva, worshipped by Rajputs of Agra city. For example, Prof. Marvin Miller of New York took a few samples from the riverside doorway of the Taj. Carbon dating tests revealed that the door was 300 years older than Shah Jahan. European traveller Johan Albert Mandelslo,who visited Agra in 1638 (only seven years after Mumtaz's death), describes the life of the city in his memoirs. But he makes no reference to the Taj Mahal being built. The writings of Peter Mundy, an English visitor to Agra within a year of Mumtaz's death, also suggest the Taj was a noteworthy building well before Shah Jahan's time.

300 foot long corridor inside apartments...

One of the 22 rooms in the secret lower level...

Interior of one of the 22 secret rooms...

Interior of another of the locked rooms...

Vedic design on ceiling of a locked room...


Prof. Oak points out a number of design and architectural inconsistencies
that support the belief of the Taj Mahal being a typical Hindu temple
rather than a mausoleum. Many rooms in the Taj Mahal have remained sealed since Shah Jahan's time and are still inaccessible to the public . Oak asserts they contain a headless statue of Lord Shiva and other objects commonly used for worship rituals in Hindu temples. Fearing political backlash, Indira Gandhi's government tried to have Prof. Oak's book withdrawn from the bookstores, and threatened the Indian publisher of the first edition dire consequences.

Huge ventilator sealed shut with bricks...

Secret walled door that leads to other rooms...

Secret bricked door that hides more evidence...

Palace in Barhanpur where Mumtaz died...

Pavilion where Mumtaz is said to be buried...


Thank You


Strong LIVES are MOTIVATED by DYNAMIC PURPOSES.

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Japan Airlines Corp (JAL) files for Rs.1,17,500 CRORES ($25 billion) bankruptcy, to cut 15,700 jobs
 
 
 
TOKYO: Japan Airlines Corp filed for bankruptcy protection on Tuesday owing more than Rs.1,17,500 CRORES ($25 billion), and vowed to slash 15,700 jobs in an effort to survive in an industry hit by volatile fuel costs and fickle flyers.

JAL, Asia's largest airline by revenues, will remain in the skies thanks to nearly 1 trillion yen ($11 billion) in support from a state-backed fund and must go through a sweeping restructuring under a new board and management.

Shareholders will be wiped out and lenders will forgive a larger-than-expected 730 billion yen in debt as part of the deal with the fund, the Enterprise Turnaround Initiative Corp of Japan (ETIC).

Bankruptcy will only be the beginning for an airline with depleted capital, facing headwinds such as rising fuel prices and shrinking passenger numbers, on top of hefty restructuring costs.

JAL, which has now been bailed out by the Japanese government four times in the past 10 years, will cut 31 routes and replace many of its older and less fuel-efficient planes. It also faces tough decisions about foreign capital and alliances.

"I have a little bit of a sense that we're now finding out that things were a bit worse than expected," said Koichi Ogawa, chief portfolio manager at Daiwa SB Investments. "What this has shown is that the nation won't just take total care of a company, that they've now said they'll let badly run companies fail.

JAL's 2.3 trillion yen bankruptcy ranks as Japan's fourth-largest ever and its biggest by a non-financial firm.

The airline's debt figure was as of the end of September, meaning the actual number could considerably higher. Its core airline business had at least 1.5 trillion yen in debt as of the same period.

SHAREHOLDERS WIPED OUT

Shares of JAL, which have fallen more than 90 percent since the start of the month, closed flat at 5 yen after trading down 2 yen to 3 yen. They will be delisted on February 20, according to the stock exchange.

JAL's market value had shrunk to about $150 million, making it smaller than minor carriers Croatia Airlines and Jazeera Airways and worth less than one Boeing 747.

"I thought that there was no way that JAL would fail," said Akiko Saito, a 63-year-old retiree returning from Sydney to Tokyo's Haneda Airport. "Even when the value of my JAL shares fell from 800,000 yen to below 120,000 yen, I was convinced that it would recover, and I held on to my stock."

JAL bonds maturing in 2013 were priced at the equivalent of just 27.8 cents on the dollar, versus around 70 cents last month, but traders said there was little trading appetite for the bonds on Tuesday.

The dollar fell to its session low against the yen on the news.

The move could make rival All Nippon Airways Co Japan's new flagship carrier, according to some analysts. Shares in ANA fell 4.2 percent after rallying to a six-month high last week.
 
The "tough love" for JAL by Prime Minister Yukio Hatoyama's four-month-old Democratic Party-led government signals a shift from previous governments under the long-dominant Liberal Democratic Party, which had authored the previous JAL bailouts.

Hatoyama's government said it would provide the necessary support for JAL during its restructuring, which follows similar bankruptcies by overseas airlines such as Delta Air Lines and United Airlines.

The ETIC will support JAL with about 300 billion yen in capital, while the ETIC and the Development Bank of Japan will together provide a 600 billion yen credit line.

Fuel hedging contracts may also be affected by the bankruptcy filing. JAL uses mostly Brent forward contracts and about 40 billion yen is estimated to be exposed in the event of an automatic termination, a source familiar with the matter said.

JAL needs to do what it has long put off: Focus on its main business and cut operations it doesn't need, said Andrew Miller, chief executive officer of CAPA Consulting.

"I would have a fire sale -- get rid of the family silver, sell everything that is non-core and focus in on the core and make that work efficiently," he said.

ALLIANCE IN QUESTION

JAL's restructuring plan calls for slashing its 51,862 workforce to 36,201 and cutting 14 international routes and 17 domestic routes in three years, the government said.

JAL will also need to make a decision about competing aid offers from Oneworld alliance partner American Airlines and rival Delta, which wants to woo JAL to its SkyTeam group.

The carrier has spent two decades trying to recover public trust following a 1985 crash that became the world's worst single aircraft disaster in history, claiming 520 lives.

It also calls for increasing the fuel efficiency of its fleet, replacing all 37 of its B747-400 jets and 16 MD90s, both supplied by Boeing, with 33 small jets and 17 regional ones.

"I think a revival of JAL will be good for manufacturers such as Mitsubishi Heavy industries which is developing new regional jets," said Shinsei's Matsumoto.

Kazuo Inamori, the 77-year-old founder of electronics maker Kyocera Corp, was tapped last week to become JAL's new chief executive officer to oversee its restructuring.

Patience & politeness are a reflection of a person's inner strength. 


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Telugu Movie Titles

Posted by Arun On 7:23 PM 0 comments

PROBABLE TELUGU MOVIE TITLES SOON

     DataBase Mestri

     Paapam Client
     Onsite andagaadu - Offshore chinnadi
     Ali Baba - Ara Dajanu 'Bug'gulu
     Palnati Programmer
     Akkada Java-Ikkada raava
     Kadam thokkina Programmer
     Anaganaga Oka website
     Attaku Sybase Ammayiki D-Base
     Vayyari Client-Vagalamaari Employer
     Fire aina Mogudu   -   Job vachhina pellam
     Dikku Teleyani DBA
     Priyudu nerpina PASCAL
     Intlo
Delphi Vantintlo Kulphi
     Project dorakani Papa
    
India vellalani undi
     Gova lo Java
    
Detroit Simham
     NewYork pandavulu
     Ma Edison Rayudu
     Idhi Job antaara
     Date maarchina Fate
     Ma aayana SAPu
     Atta nee Client jagratta
     Clientki yamudu employer ki mogudu
     Yemandi pagerochhindi
     Ave 'bug'gulu
     Dana veera sura DBA
    
Oka computer iddaru programmerlu
     Ninne fire chesta
     Data clean chesukundam ra
     Java Veerudu-CGI Sundari
    
Seattle mogudu WashingtonDC pellam
     Jan 1st Vidudala (Y2K)
     Peruleni Program
     Desigadu
     COBOL kaatesindi
     COBOL katesindi UNIX vatesindi
     ASP yemaindi
     RPG Rowdi
     Lotus lo lolli
     VISA Victory
     SAP sarigamalu
     Dikku Teleyani Dollar
     Job-e-kaavaali...
     state programmer...(state rowdi)
     solve-chestaam raa
     Jagadeka programerdu...atiloka bugsu
     Adavi programudu
     Nee Password Naaku Telsu!!!
     Manager Harischandra Prasad
     Programergaaru baagunnara ???
    
Veedhi lo Master , Intlo Slave
     Anaganaga O Programmer
     Priyuraliki oka E-Mail
     Nee hard disk naku nachindi
     Virus leni manishi
     Eduru leni manager.
    
Bhale client.
     Code antaa bugse...
     Gharana bug
     Client ku leave letter..Customer ku love letter
     Review cheddam raa...
     Sorry... naaku already job vundi..
     Patnam vachina programmers.
     Manager..Client..
O Tamil collegue.
     Manager oorelite...
     ee Manager chaala manchodu...
     Bug leka fix ledu...
     Code nachindi..
     Naa code meeda vottu nee code chaala baagundhi..



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