Monday, May 31, 2010

Love & Support - A Truly Inspirational Approach Towards Life

The best thing I liked in the mail is their approach towards life and their faith on their religion – If you notice the girl is wearing scarf which is their tradition and the boy is praying allah and writing something. Also there are lot of allah/urdu wall hangings in their house.

Despite being so under privileged they still don’t curse their god for making life a mis fortune and are living life easily and happily.

This couple, Ahmad (26) and Fatima (25) are handicapped.
They got married last year. Ahmad has no hands and Fatima has no feet.
The couple with disabilities, but believe in self confidence.



Enjoy your life's each moment, no matter how hard it seems!
When life gives you a thousand reasons to cry. Show the world that…
You have million reasons to SMILE!!!

Switch Off your Mobiles Please!

Sunday, May 30, 2010

Dubai View From Burj Khalifa


Another problem caused by deforestation

Shaikh Zayed Masjid - Beauty of Abu Dhabi,UAE

Time takes away everything from u

              First Miss India

 First Miss India ( held in the year 1949) Pramila (Esther Abraham) is now 90 Years old 

                                   .:: REMEMBER ::..

Time takes away everything from u....

How to Avoid Eyestrain While Working at a Computer

How to Avoid Eyestrain While Working at a Computer  

Eye strain while working at computer is a very common problem. Serious eye strain can cause a number of other problems from short term head and neck aches to long term conditions like Myopia. Here are a quick tips to save your eyes.

1 Position screen so light doesn't bounce off and create a glare. You can also put an antiglare shield on the screen.

2 Turn up the contrast to minimize strain on your eyes.

3 Light your work area well. Use full spectrum bulbs. They duplicate natural sunlight and are easier on the eyes.

4 Keep brightest lights over to the side if possible. Turn off overhead lighting. Close blinds so that sunlight doesn't glare on your screen.

5 Don't forget to blink. Blinking keeps eyes moistened.

6 Position your monitor 18 to 30 inches from your eyes.

7 Keep screen clean and properly focused.

8 Take frequent "eye breaks". Take a 20 second break every 20 minutes and just stare into the distance. Keep your eyes off the screen.

9 Rest your eyes by covering them with your palms. Keep them in complete darkness for a minute.

10 Keep frequently used paper documents in a holder that attaches to the monitor. This keeps your eyes from having to move up and down.

11 Adjust your glasses or contacts for the computer. Sometimes your prescription may not be suitable for computer work.

12 Keep your keyboard positioned directly in front of monitor.

13 Get up and move around at least every two hours. It gives your eyes a break, as well as the rest of your body.

Saturday, May 29, 2010

Karnataka: 'Tech address'ing the world

Karnataka is a formidable avatar when it comes to the tech front. Little wonder that it is a prestigious address in the world of tech business today. We bring you some facts and figures which makes Karnataka what she is in the tech galaxy.

As a Knowledge hub Karnataka has 103 R&D Centres, 20 Universities, 158 Engineering Colleges, 39 Medical Colleges, 44 Dental Colleges, 47 International Schools and 1003 Industrial Training Institutes. Powered by over 5 lakh IT professionals, Bangalore, better identified as the IT Capital of India is the 4th largest technology cluster in the world, the other 3 being Silicon Valley, Boston and London. Bangalore has over 2,184 IT Companies of which 743 are MNCs. Of the 87 CMM Level-5 IT Companies in the world, 32 are in Bangalore. And with each passing day Karnataka's family of knowledge workers is only getting bigger.

Foreseeing future growth, the Government blue print on the infrastructure scene has a lot to offer. A fast track elevated expressway leading to Electronic City, hardware tech park near Bangalore International Airport, robust telecom OFC network of over 60,000 Kms etc. are some of them.

Secondary cities are being actively promoted through establishing IT Parks and Networks. High speed data facility operating centres are to soon dot the landscapes of Mangalore, Mysore, Dharwad, Belgaum, Shimoga, Gulbarga, Tumkur and Davanagere. An IT Investment Region (under the GoI scheme) covering a minimum area of 40 Sq Kms or 4,000 hectares of land is being setup near the Bangalore International Airport. If all this were not enough, the Government is also planning Industrial corridors from Bangalore to Davanagere through Tumkur, Bangalore to Bidar, Honnavar to Shimoga and Chitradurga to Belgaum through Haveri, covering most of the districts. The Animation and Gaming Academy is also round the corner.

Strengthening vital infrastructure in Tier-II and III cities seems high on the Government's agenda. Air-connectivity is being augmented in these cities. While the existing airports at Belgaum, Hubli-Dharwad and Mangalore are being upgraded, Greenfield airports are being planned in Shimoga and Gulbarga. An IT Park with 2.75 lakh sq ft built-up facility catering to IT & BPO companies and the Aryabhata Tech park at Hubli are already functional.

The Semiconductor Policy 2010 is tell tale of the Government's intent to give a thrust to the hard ware front. Financial assistance to firms for filling IP, assistance to augment the Orchid Tech Space in STPI to a Characterization Lab, special incentives for setting up of ATMPS on a case-to-case based on specific employment potential, a focus school under IIIT equipped with state-of-the- art research labs etc. are some of the policy highlights. There also is a special fund of Rs.10 crores earmarked for semi conductor excellence which will encourage innovation and R & D in Chip Design, product development, telecom etc. apart from the fiscal incentives as per the Karnataka Industrial Policy 2009-2014.

Also in the proposal stage are the ICT and the Electronic Hardware policies. The later may raise the curtain on the Electronics Hardware Manufacturing Hubs (EHMHs) proposed in four corridors. The ICT policy may see the creation of a separate authority for the IT & BT sectors, entry tax exemptions on capital goods and power tariff concessions. Both the policies will have the fiscal incentives as per the Karnataka Industrial Policy 2009-2014.

The Millennium Biotech Policy II is to bring in BT parks such as Nutri-Nutraceutical and Phyto-pharmaceutica l (Medicinal Plant) Parks at Mysore, Marine Biotech Park at Mangalore, Vivarium (Animal House) at Bidar and Agri-Biotech Park at Dharwad. The Government also seeks to fund Rs.1 crore per BT finishing school which will bring in 10 BT Finishing Schools. All Research Labs will automatically come under the Green Category. All fiscal incentives and concessions offered under the Karnataka Industrial Policy 2009-2014 shall be extended to the Biotechnology industry and the R & D Centres. The Bangalore Helix - Bangalore Biotech Park with SEZ facilities already offer world class Infrastructure, state-of-the- art Biotech Incubators, Common Instrumentation Facilities and R&D centres. While on the functional aspect are the Institute of Bioinformatics and Applied Biotechnology (IBAB) and Centre for Human Genetics (CHG) Campus, elements like Biotech Incubation Centre (BIC), Common Instrumentation Facilities (CIF), Biotech Industries Cluster and Common Effluent Treatment Plant bring in the required value adds for the investor.

Besides, the State Government is now in the process of formalizing steps that may soon bring in the much needed element of 'flexibility in policy initiatives' to cater to the changing demands of the industry. As part of a few more new initiatives, KEONICS is to set up IT parks in secondary cites like Mysore, Mangalore, Shimoga, Belgaum and Gulbarga. BPO units in rural areas are to enjoy fiscal incentives from the Government. As a move to popularize Internet usage in rural areas by, Electronic Public Consumer Outlets (e-PCOs) are to be set up.

If one were to catogorise the existing biggies, the Karnataka tech theatre looks something like this:
Integrated Chip Design - Texas Instruments, Intel, AMD, Siemens, Synopsys, Philips, Analog Devices, National Semiconductors, Freescale Semiconductor, Broadcom etc.

System Software - Oracle, SAP, Novell, Sun Microsystems, HP, Network Associates etc.
Communication Software - Lucent Technologies, Nortel, Siemens, Motorola, Cisco Systems, Ericsson, Sony, Sasken, Nokia etc.

Multinational R&D centres - Texas Instruments, Motorola, Daimler Chrysler, General Motors, GE,SAP, AstraZeneca, Microsoft, Intel, Philips, Cisco, Oracle, AMD, IBM etc.

Biotech Exporters - Biocon India Ltd, Sami Labs, Sartorius India Pvt. Ltd, Aurigene Discoveries, Astra Zeneca India, Strand Genomics, Metahelix, Avesthagen, Novozymes Sigma Aldrich, MWG India, Cipla, Himalaya Drug Co., Natural Remedies etc.

In all, Karnataka is on the threshold of a renewed technological revolution. One now has to see how many more await to enter Karnataka when the doors open at the Global Investors Meet 2010.

Sayeed Mohiuddin
B.E. (C. Sc.), M.B.A. (I.S)
Riyadh, Saudi Arabia


Wonder how on earth a pilot can handle so many controls ???????? (may be they are not on earth, that's why hehehe...)

This is cool. As you move your cursor you can see the whole cockpit from top to bottom.  Most panoramas are of landscapes. This  360-degree panorama unlike any other .. It's a picture of an Airbus A380's cockpit.

Panorama photographs are becoming increasingly popular on the Net. That's because software is making it easier than ever to create them.

The Airbus A380 is the largest passenger airliner in the world. It can seat more than 850 people. Only a couple of the planes are in service. So, you'll probably have to wait for your first ride. 

Until then, check out its state-of-the-art controls.

Health Related Important Tips

Some Important Tips :

1.Answer the phone by left ear.

2.Don't take medicine with cold water.

3.Don't have huge meal after 5 pm.

4.Drink more water in the morning, less at night.

5.Best sleeping time is from 10 pm to 4 am.

6.Don't lie down immediately after taking medicine.

7.When battery is down to last bar, dont answer the phone, as the radiation is 1000 times.

Friday, May 28, 2010

Toll Free Phone Numbers in India

Toll Free Phone Numbers in India. 

Indian Airlines -1800 180 1407
Jet Airways - 1800 22 5522
Spice Jet - 1800 180 3333
Air India -- 1800 22 7722
Kingfisher - 1800 180 0101
============ ========= ========= =====

ABN AMRO -1800 11 2224
Canara Bank - 1800 44 6000
Citibank - 1800 44 2265
Corporation Bank - 1800 443 555
Development Credit Bank - 1800 22 5769
HDFC Bank - 1800 227 227
ICICI Bank - 1800 333 499
ICICI Bank NRI - 1800 22 4848
IDBI Bank - 1800 11 6999
Indian Bank - 1800 425 1400
ING Vysya - 1800 44 9900
Kotak Mahindra Bank - 1800 22 6022
Lord Krishna Bank - 1800 11 2300
Punjab National Bank - 1800 122 222
State Bank of India - 1800 44 1955
Syndicate Bank - 1800 44 6655
============ ========= ========= =====

Mahindra Scorpio -1800 22 6006
Maruti - 1800 111 515
Tata Motors - 1800 22 5552
Windshield Experts - 1800 11 3636
============ ========= ========= =====

 Adrenalin -1800 444 445
AMD - 1800 425 6664
Apple Computers - 1800 444 683
Canon - 1800 333 366
Cisco Systems - 1800 221 777
Compaq - HP - 1800 444 999
Data One Broadband - 1800 424 1800
Dell - 1800 444 026
Epson - 1800 44 0011
eSys - 3970 0011
Genesis Tally Academy - 1800 444 888
HCL - 1800 180 8080
IBM - 1800 443 333
Lexmark - 1800 22 4477
Marshal's Point - 1800 33 4488
Microsoft - 1800 111 100
Microsoft Virus Update - 1901 333 334
Seagate - 1800 180 1104
Symantec - 1800 44 5533
TVS Electronics - 1800 444 566
WeP Peripherals - 1800 44 6446
Wipro - 1800 333 312
Xerox - 1800 180 1225
Zenith - 1800 222 004
============ ========= ========= =====

Indian Railway Enquiries
Indian Railway General Enquiry 131,139
Indian Railway Central Enquiry 139
Indian Railway Reservation 131
Indian Railway Railway Reservation Enquiry 1345,1335,1330
Indian Railway Centralised Railway Enquiry 1330/1/2/3/4/ 5/6/7/8/9 & 139
============ ========= ========= ========= ========= ===== 

Couriers/Packers & Movers
ABT Courier -1800 44 8585
AFL Wizz - 1800 22 9696
Agarwal Packers & Movers - 1800 11 4321
Associated Packers P Ltd - 1800 21 4560
DHL - 1800 111 345
FedEx - 1800 22 6161
Goel Packers & Movers - 1800 11 3456
UPS - 1800 22 7171
============ ========= ========= =========

Home Appliances 
Aiwa/Sony -1800 11 1188
Anchor Switches - 1800 22 7979
Blue Star - 1800 22 2200
Bose Audio - 1800 11 2673
Bru Coffee Vending Machines - 1800 44 7171
Daikin Air Conditioners - 1800 444 222
DishTV - 1800 12 3474
Faber Chimneys - 1800 21 4595
Godrej - 1800 22 5511
Grundfos Pumps - 1800 33 4555
LG - 1901 180 9999
Philips - 1800 22 4422
Samsung - 1800 113 444
Sanyo - 1800 11 0101
Voltas - 1800 33 4546
WorldSpace Satellite Radio - 1800 44 5432
============ ========= ========= =========

Investments/ Finance
CAMS -1800 44 2267
Chola Mutual Fund - 1800 22 2300
Easy IPO's - 3030 5757
Fidelity Investments - 1800 180 8000
Franklin Templeton Fund - 1800 425 4255
J M Morgan Stanley - 1800 22 0004
Kotak Mutual Fund - 1800 222 626
LIC Housing Finance - 1800 44 0005
SBI Mutual Fund - 1800 22 3040
Sharekhan - 1800 22 7500
Tata Mutual Fund - 1800 22 0101
============ ========= ========= ====

Club Mahindra Holidays -1800 33 4539
Cox & Kings - 1800 22 1235
God TV Tours - 1800 442 777
Kerala Tourism - 1800 444 747
Kumarakom Lake Resort - 1800 44 5030
Raj Travels & Tours - 1800 22 9900
Sita Tours - 1800 111 911
SOTC Tours - 1800 22 3344
============ ========= ========= ====

Best on Health -1800 11 8899
Dr Batras - 1800 11 6767
GlaxoSmithKline - 1800 22 8797
Johnson & Johnson - 1800 22 8111
Kaya Skin Clinic - 1800 22 5292
LifeCell - 1800 44 5323
Manmar Technologies - 1800 33 4420
Pfizer - 1800 442 442
Roche Accu-Chek - 1800 11 45 46
Rudraksha - 1800 21 4708
Varilux Lenses - 1800 44 8383
VLCC - 1800 33 1262
============ ========= ========= ===

AMP Sanmar -1800 44 2200
Aviva - 1800 33 2244
Bajaj Allianz - 1800 22 5858
Chola MS General Insurance - 1800 44 5544
HDFC Standard Life - 1800 227 227
LIC - 1800 33 4433
Max New York Life - 1800 33 5577
Royal Sundaram - 1800 33 8899
SBI Life Insurance - 1800 22 9090
============ ========= ========= =======

Hotel Reservations 
GRT Grand -1800 44 5500
InterContinental Hotels Group - 1800 111 000
Marriott - 1800 22 0044
Sarovar Park Plaza - 1800 111 222
Taj Holidays - 1800 111 825
============ ========= ========= ======

Asian Sky Shop -1800 22 1800
Jaipan Teleshoppe - 1800 11 5225
Tele Brands - 1800 11 8000
VMI Teleshopping - 1800 447 777
WWS Teleshopping - 1800 220 777
============ ========= ========= ========

Domino's Pizza -1800 111 123

============ ========= ========= ====

Cell Phones
BenQ -1800 22 08 08
Bird CellPhones - 1800 11 7700
Motorola MotoAssist - 1800 11 1211
Nokia - 3030 3838
Sony Ericsson - 3901 1111

Dont Be Serious, Be Sincere

TRUE MESSAGE!! Read with Patience....  Speech by Chetan Bhagat at Symbiosis ... 

Don't just have career or academic goals. Set goals to give you a balanced, successful life. I use the word balanced before successful. Balanced means ensuring your health, relationships, mental peace are all in good order.
There is no point of getting a promotion on the day of your breakup. There is no fun in driving a car if your back hurts. Shopping is not enjoyable if your mind is full of tensions.

"Life is one of those races in nursery school where you have to run with a marble in a spoon kept in your mouth. If the marble falls, there is no point coming first. Same is with life where health and relationships are the marble. Your striving is only worth it if there is harmony in your life. Else, you may achieve the success, but this spark, this feeling of being excited and alive, will start to die.

One thing about nurturing the spark - don't take life seriously. Life is not meant to be taken seriously, as we are really temporary here. We are like a pre-paid card with limited validity. If we are lucky, we may last another 50 years. And 50 years is just 2,500 weekends. Do we really need to get so worked up?

It's ok, bunk a few classes, scoring low in couple of papers, goof up a few interviews, take leave from work, fall in love, little fights with your spouse. We are people, not programmed devices.

"Don't be serious, be sincere."!

Thursday, May 27, 2010

Transfer EPF money when you quit

Transfer EPF money when you quit:-

Withdrawing the amount each time you move to a new job can make a huge dent in the retirement corpus.

When Amit Jain, 30, a software professional, shared his plans to change job with his parents, his father quickly reminded him to transfer his employee provident fund (EPF) account to the new employer. "My father said that this corpus was meant to take care of my retirement needs," Jain said.
Jain, who was planning to withdraw this corpus and use it as down-payment for his new car, was initially not convinced. But, his father reasoned that it was better to let this amount compound overtime instead of withdrawing it.
Jain had a practical reason for withdrawing as well. While withdrawing the money takes around three to six months, one could face problems while transferring the account. Applications get misplaced, are difficult to follow up with human resource executives in the previous company (being an ex-employee does not help either) are some of the common problems.
However, financial planners say despite these problems, one should transfer the money. "EPF forms the debt part of your portfolio and no other debt instrument gives 8.5 per cent," said Gaurav Mashruwala, a certified financial planner.
Withdrawing after each job can reduce the corpus significantly. Whereas continuing with it can help earn a good amount on retirement. Let's see how.
Considering Jain started working in 2002, when he was 22, his monthly salary was Rs 12,000. He paid Rs 750 towards EPF every month. At 60, he will have worked for 38 years. To do the analysis, one needs to make some basic assumptions:
# Change in job - Every four-five years
# Starting salary in 2002 - Rs 12,000
# Basic salary - 50 per cent
# EPF - 12 per cent of basic salary
# Returns from EPF - 8.5 per cent (kept constant, though it may change over time)
# Annual hike in the existing job - 10 per cent
# Hike in salary after changing - 30 per cent

Based on these assumptions, the total corpus at the end of his tenure at each organisation would be as depicted in the table.

Years worked- EPF
2002-06 = Rs 1.27 lakh
2007-11 = Rs 2.43 lakh
2012-16 = Rs 4.63 lakh
2017-21 = Rs 8.81 lakh
2022-26 = Rs 16.77 lakh
2027-31 = Rs 31.92 lakh
2032-36 = Rs 60.76 lakh
2037-40 = Rs 1.09 crore
Now, if Jain were to withdraw this money each time he changed job, his final EPF corpus would be Rs 1.09 crore - the amount accumulated in the last few years. However, if Jain were to transfer his EPF corpus each time while shifting job, at the time of retirement and after 38 years of service, he will get a sum of Rs 3.56 crore - Rs 2.47 crore higher. Partial withdrawals total Rs 2.27 crore - Rs 1.29 crore less.
And, there is the tax angle as well. Each time you withdraw this amount, it will be taxed (if you have left the company in less than five years). The EPF amount will be added to your salary income and taxed accordingly. On the other hand, if left untouched, it is completely tax-free.
According to our example, Jain would be taxed on the corpus he receives in his last job, because he has worked less than five years in the company.
Financial planners suggest even if one withdraws the money, it should always be invested properly instead of using it to meet expenses. Sumeet Vaid, founder, Freedom Financial Planner, said, "If he invested the amount he withdrew each time in a debt-equity ratio of 20:80 in mutual funds, assuming a debt return of 8 per cent and equity return of 15 per cent, his final corpus would be Rs 5.83 crore."
The equity portion will be completely tax-free because the long-term capital gains tax on equity is zero. The debt portion will get taxed at the rate of 10 per cent (with indexation) or 20 per cent (without indexation).
There are other options as well. Someone below the age of 30 could look at 100 per cent equity investments. And, as one grows older, the amount could be invested more in debt. "Whether to continue the EPF corpus or not depends on your age and goal. Those who have just started working and want to withdraw for investment can look at equities. But, ones closing on retirement and 10-15 years away from it, should continue the account," added Mashruwala.
Importantly, if you are doing it on your own and there is high exposure to equity, move the money to debt in the last few years. This will help protect the corpus from stock market uncertainties.

Source: Business Standard

Kind Regards

A dream is not what you see when you sleep... a dream is something that doesn't let you sleep

The strength of a man

            The strength of a man

The strength of a man is not seen in the width of his shoulders.
It's seen in the width of his arms that circle you.

The strength of a man isn't in the deep tone of his voice,
It is in the gentle words he whispers.

The strength of a man isn't how many buddies he has.
It's how good a buddy he is with his kids.

The strength of a man isn't in how respected he is at work.
It's in how respected he is at home.

The strength of a man isn't in how hard he hits.
It's in how tender he touches.

The strength of a man isn't in the hair on his chest.
It's in his heart .... That lies within his chest.

The strength of a man isn't how many women he has loved.
It's in - can he be true to one woman.

The strength of a man isn't in the weight he can lift.
It is in the burdens he can carry.