tag:blogger.com,1999:blog-72043667638168639322024-03-05T23:56:24.726-08:00{openITguru}
‘Ain’t no tuition for havin’ no ambition.’ ~BuddhaOpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comBlogger241125tag:blogger.com,1999:blog-7204366763816863932.post-17429648128457300342017-04-07T05:47:00.000-07:002017-04-07T05:47:12.993-07:00India's funniest shows watch online for freeBored of the same old entertainment on TV? Watch India's most loved original shows and videos. Watch for free. <a href="https://tvfplay.com/" target="_blank">The Viral Fever</a> also popularly abbreviated TVF is an online digital entertainment channel which is quite popular for their mini comedy shows on YouTube with more than one million subscribers. TVF is popular for their shows like Chai Sutta Chronicles, Tech conversations with Dad, Barely speaking with Arnub, etc. Watch here at <a href="https://tvfplay.com/">TVFPLAY.com.</a><br />
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<a href="https://tvfplay.com/" target="_blank"><img border="0" height="360" src="https://static1.tvfplay.com/episodes/890/aspect_xl_large/677d117ce73c6b10b7512de7ae95cf78_BvDD_Thumb.JPG" width="640" /></a></div>
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<a href="https://tvfplay.com/" target="_blank"><img border="0" height="336" src="https://pbs.twimg.com/media/CzYMpHdUQAAU6S3.jpg" width="640" /></a></div>
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<a href="https://tvfplay.com/" target="_blank"><img border="0" height="336" src="https://pbs.twimg.com/media/C3RwJ3KXUAABWIn.jpg" width="640" /></a></div>
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<a href="https://tvfplay.com/" target="_blank"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggmlwTx2PgP1IPXXLGxwmBdpIMptQ2nLfcMZl78tVT8aheKaJMcqnIMaEJIscGSoYfiVaQ3d_agVeS3cZ25NH9Q0AsePUPP5Ru62fcXy36W4sBI96ixy0f3AWqo2yKrGUlERBzVVazkUc/s640/22-Permanent-Roommates.jpg" width="464" /></a></div>
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You can watch via Youtube at <a href="https://www.youtube.com/user/TheViralFeverVideos" target="_blank">https://www.youtube.com/user/TheViralFeverVideos</a></div>
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Download App into <a href="https://play.google.com/store/apps/details?id=com.tvf.tvfplay" target="_blank">Android </a>and <a href="https://itunes.apple.com/us/app/tvfplay/id1067732674?mt=8" target="_blank">IOS</a></div>
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OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-65491912861806682852017-01-25T04:13:00.001-08:002017-01-25T04:15:05.904-08:00How to apply for Pradhan Mantri Social Security Schemes<h1>
Pradhan Mantri Suraksha Bima Yojana (PMSBY)</h1>
<div>
Highlights of the Pradhan Mantri Suraksha Bima Yojana (PMSBY – Scheme 1 – for Accidental Death Insurance) are:<br />
<ul>
<li><strong>Eligibility:</strong> ICICI Bank Savings Bank (SB) Account
holders between 18 years (completed) and 70 years (age nearer birthday)
who give their consent to join / enable auto-debit, as per the modality,
will be enrolled into the scheme.</li>
<li><strong>Policy period:</strong> The cover shall be for one year
period starting from June 1, 2015 to May 31, 2016 for which option to
join / pay by auto-debit from the designated Savings Bank account on the
prescribed forms will be required to be given by May 31, 2015 -
extendable up to May 31, 2016. For the saving A/c holder joining after
May 31, 2015 the cover shall end on May 31, 2016.</li>
<li><strong>Premium:</strong> Rs. 12 per annum.</li>
<li><strong>Payment Mode:</strong> The premium will be directly auto-debited by the bank from the subscribers account. This is the only mode available.</li>
<li><strong>Risk Coverage:</strong> Total coverage (sum-insured) under the scheme is Rs. 2 Lakh.</li>
</ul>
<br />
<div class="main-contentz">
<div class="table-container">
<table border="0">
<thead>
<tr>
<th></th><th>Table of Benefits*</th><th>Sum Insured</th>
</tr>
</thead>
<tbody>
<tr>
<td width="10%">I.</td>
<td width="70%">Death</td>
<td width="20%">Rs. 2 Lakh</td>
</tr>
<tr>
<td>II.</td>
<td>Total and irrecoverable loss of both eyes or loss of use of both
hands or feet or loss of sight of one eye and loss of use of one hand or
one foot</td>
<td>Rs. 2 Lakh</td>
</tr>
<tr>
<td>III.</td>
<td>Total and irrecoverable loss of sight of one eye or loss of use of one hand or one foot</td>
<td>Rs. 1 Lakh</td>
</tr>
<tr>
<td colspan="3">*The total amount that can be claimed under the policy is INR 2 lakh only</td>
</tr>
</tbody>
</table>
</div>
</div>
<br />
The cover is subject to exclusions of the policy.<br />
<br />
<b>Exclusions:</b><br />
<br />
Major Exclusions: Intentional self injury, suicide or attempted
suicide whilst under the influence of intoxication liqour or drugs, Any
loss arising from an act made in breach of law with or without criminal
intent.” For more details, please refer the <a href="https://www.icicibank.com/managed-assets/docs/personal/insurance/PMSBY-Policy.pdf" target="_blank">Master Policy</a> wordings.</div>
<div>
<h1>
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)</h1>
</div>
<div>
Highlights of the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY – Scheme 2 – for Life Insurance) are:<br />
<ul>
<li><strong>Eligibility:</strong> ICICI Bank Savings Bank (SB) Account
holders between 18 years (completed) and 50 years (age nearer birthday)
who have given the consent to join the scheme / enable auto-debit, as
per the modality, will be enrolled into the scheme. </li>
<li><strong>Policy period:</strong> The cover shall be for one year
period starting from June 1, 2015 to May 31, 2016 for which option to
join / pay by auto-debit from the designated savings bank account on the
prescribed forms will be required to be given by May 31, 2015,
extendable up to May 31, 2016.</li>
<li><strong>Premium:</strong> Rs. 330 (per annum).</li>
<li><strong>Payment Mode:</strong> The premium will be directly
auto-debited by the bank from the subscribers’ savings bank account.
This is the only mode available currently.</li>
<li><strong>Risk Coverage:</strong> Sum Assured of Rs. 2 Lakh on death of the Insured member for any reason is payable to the Nominee.</li>
</ul>
<strong>Termination of assurance: </strong><br />
<ul>
<li>Account holder attains age of 55 years</li>
<li>Closure of account with the Bank or insufficiency of balance for debiting premium.</li>
<li>In case of multiple coverage under the scheme, the cover will be
restricted to Rs.2 lakhs and other insurance covers are terminated and
premium shall be forfeited.</li>
</ul>
</div>
<div>
<h1 id="toptitle">
Atal Pension Yojna (APY)</h1>
</div>
<div>
<h2>
Overview</h2>
</div>
<div>
<div class="rows clearfix">
The Government of India has announced a new scheme
called Atal Pension Yojana (APY). APY is a guaranteed pension scheme and
is administered by the Pension Fund Regulatory and Development
Authority (PFRDA).<br />
<br />
ICICI and SBI Bank is registered with PFRDA to provide APY related services.</div>
<div class="rows clearfix">
<h2>
Features</h2>
<ul>
<li>Guaranteed monthly pension for subscribers, ranging from Rs. 1,000 to Rs. 5,000 per month.</li>
<li>Government of India (GoI) will also co-contribute 50% of the
subscriber’s contribution or Rs. 1,000 per annum, whichever is lower.
The Government co-contribution is available for those who are not
covered by any Statutory Social Security Schemes and is not an Income
Tax payer</li>
<li>GoI will co-contribute to each eligible subscriber, for a period of 5
years who joins the scheme in the period June 1 to December 31, 2015.
The benefit of five years of Government co-contribution under APY would
not exceed 5 years for all subscribers including migrated Swavalamban
beneficiaries.</li>
</ul>
<strong>Indicative APY Contribution Chart (Age wise)</strong><br />
<br />
<div class="main-contentz">
<div class="table-container whiteBg">
<table border="0">
<thead>
<tr>
<th style="width: 11%;">Age of Entry</th><th style="width: 15%;">Years of Contribution</th><th style="width: 15%;">Monthly pension of Rs. 1000.</th><th style="width: 15%;">Monthly pension of Rs. 2000.</th><th style="width: 15%;">Monthly pension of Rs. 3000.</th><th style="width: 15%;">Monthly pension of Rs. 4000.</th><th style="width: 15%;">Monthly pension of Rs. 5000.</th>
</tr>
</thead>
<tbody>
<tr>
<td>18</td>
<td>42</td>
<td>42</td>
<td>84</td>
<td>126</td>
<td>168</td>
<td>210</td>
</tr>
<tr>
<td>19</td>
<td>41</td>
<td>46</td>
<td>92</td>
<td>138</td>
<td>183</td>
<td>228</td>
</tr>
<tr>
<td>20</td>
<td>40</td>
<td>50</td>
<td>100</td>
<td>150</td>
<td>198</td>
<td>248</td>
</tr>
<tr>
<td>21</td>
<td>39</td>
<td>54</td>
<td>108</td>
<td>162</td>
<td>215</td>
<td>269</td>
</tr>
<tr>
<td>22</td>
<td>38</td>
<td>59</td>
<td>117</td>
<td>177</td>
<td>234</td>
<td>292</td>
</tr>
<tr>
<td>23</td>
<td>37</td>
<td>64</td>
<td>127</td>
<td>192</td>
<td>254</td>
<td>318</td>
</tr>
<tr>
<td>24</td>
<td>36</td>
<td>70</td>
<td>139</td>
<td>208</td>
<td>277</td>
<td>346</td>
</tr>
<tr>
<td>25</td>
<td>35</td>
<td>76</td>
<td>151</td>
<td>226</td>
<td>301</td>
<td>376</td>
</tr>
<tr>
<td>26</td>
<td>34</td>
<td>82</td>
<td>164</td>
<td>246</td>
<td>327</td>
<td>409</td>
</tr>
<tr>
<td>27</td>
<td>33</td>
<td>90</td>
<td>178</td>
<td>268</td>
<td>356</td>
<td>446</td>
</tr>
<tr>
<td>28</td>
<td>32</td>
<td>97</td>
<td>194</td>
<td>292</td>
<td>388</td>
<td>485</td>
</tr>
<tr>
<td>29</td>
<td>31</td>
<td>106</td>
<td>212</td>
<td>318</td>
<td>423</td>
<td>529</td>
</tr>
<tr>
<td>30</td>
<td>30</td>
<td>116</td>
<td>231</td>
<td>347</td>
<td>462</td>
<td>577</td>
</tr>
<tr>
<td>31</td>
<td>29</td>
<td>126</td>
<td>252</td>
<td>379</td>
<td>504</td>
<td>630</td>
</tr>
<tr>
<td>32</td>
<td>28</td>
<td>138</td>
<td>276</td>
<td>414</td>
<td>551</td>
<td>689</td>
</tr>
<tr>
<td>33</td>
<td>27</td>
<td>151</td>
<td>302</td>
<td>453</td>
<td>602</td>
<td>752</td>
</tr>
<tr>
<td>34</td>
<td>26</td>
<td>165</td>
<td>330</td>
<td>495</td>
<td>659</td>
<td>824</td>
</tr>
<tr>
<td>35</td>
<td>25</td>
<td>181</td>
<td>362</td>
<td>543</td>
<td>722</td>
<td>902</td>
</tr>
<tr>
<td>36</td>
<td>24</td>
<td>198</td>
<td>396</td>
<td>594</td>
<td>792</td>
<td>990</td>
</tr>
<tr>
<td>37</td>
<td>23</td>
<td>218</td>
<td>436</td>
<td>654</td>
<td>870</td>
<td>1,087</td>
</tr>
<tr>
<td>38</td>
<td>22</td>
<td>240</td>
<td>480</td>
<td>720</td>
<td>957</td>
<td>1,196</td>
</tr>
<tr>
<td>39</td>
<td>21</td>
<td>264</td>
<td>528</td>
<td>792</td>
<td>1,054</td>
<td>1,318</td></tr>
</tbody></table>
</div>
</div>
</div>
</div>
<br />
<b><span style="font-size: x-large;">How to apply:</span></b><br />
Login to SBI internet banking and under My Accounts click on the Social Security Schemes.<br />
<br />
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<a href="https://2.bp.blogspot.com/-cy__bqBcsRQ/WIiWScbs-pI/AAAAAAAABJA/9Bjjy-aFqMcelfQ85-pA9j7giNjAhrbLgCLcB/s1600/SBISocial.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://2.bp.blogspot.com/-cy__bqBcsRQ/WIiWScbs-pI/AAAAAAAABJA/9Bjjy-aFqMcelfQ85-pA9j7giNjAhrbLgCLcB/s320/SBISocial.PNG" width="225" /></a></div>
<br />OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-23281116453499216872017-01-25T04:00:00.000-08:002017-01-25T04:03:04.065-08:00Mudra Therapy Primer for downloadMudras are easy to perform anytime, although sitting in the lotus position and focusing on the healing. Mudras are very powerful. If you practice these mudras regularly you can see the wonderful health benefits.<br />
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<a href="https://docs.google.com/viewer?a=v&pid=sites&srcid=ZGVmYXVsdGRvbWFpbnxpbnRheHNhdmluZzEwMXxneDo0ODQ0YzhmY2ExNTNlNGEx" target="_blank"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWuc0U6Fq_x3m_LfEcZAubKtS29p5Osz2AxGymC7-pHai-Stx4M0e71lQQCzPr0VmsXeA7eHp_yeSiyK356gynXQW1Ydt5MJzO7sNlSO-g43hUgcgLUH7Z7o2ikCuk81RbpZybc6WPCjI1/s1600/mudras.jpg" width="382" /></a></div>
<br />
<a href="https://docs.google.com/viewer?a=v&pid=sites&srcid=ZGVmYXVsdGRvbWFpbnxpbnRheHNhdmluZzEwMXxneDo0ODQ0YzhmY2ExNTNlNGEx" target="_blank">Download the Mudra Therapy Primer to practice the mudras specific to your problems.</a><br />
<br />
Content of Mudra Therapy Primer:<br />
<ul>
<li>Introduction of Mudras</li>
<li>Important Things about Mudras</li>
<li>Functional Factors in Mudra Therapy</li>
<li>Types of Mudras:</li>
<ul>
<li>Gyan mudra</li>
<li>Vayu mudra</li>
<li>Akash mudra</li>
<li>Shoonya mudra</li>
<li>Prithvi mudra</li>
<li>Surya mudra</li>
<li>Varun mudra</li>
<li>Jalodhar nashak mudra</li>
<li>Kidney mudra</li>
<li>Pran mudra</li>
<li>Vyan mudra</li>
<li>Apan mudra</li>
<li>Apan-vayu mudra</li>
<li>Meao mudra</li>
<li>Aditya mudra</li>
<li>Shankh mudra</li>
<li>Sahaj Shankh mudra</li>
<li>Ling mudra</li>
<li>Yoni mudra</li>
<li>Pranav mudra</li>
<li>Disease vs mudra</li>
</ul>
</ul>
<br />
<br />
<br />
<br />OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-4587958822177121942017-01-16T23:33:00.002-08:002017-01-16T23:33:43.710-08:00BHIM Payments App - Download Training Guide in PDF<br />
BHIM (Bharat Interface for Money) is a Mobile App developed by National Payments Corporation of India (NPCI), based on the Unified Payment Interface (UPI). It was launched by Narendra Modi, the Prime Minister of India, at a Digi Dhan programme at Talkatora Stadium in New Delhi on 30 December 2016. It has been named after Bhim Rao Ambedkar and is intended to facilitate e-payments directly through banks and as part of the 2016 Indian banknote demonetisation and drive towards cashless transactions.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.npci.org.in/images/Bhim.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://www.npci.org.in/images/Bhim.jpg" /></a></div>
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This UPI app supports all Indian banks which use that platform, which is built over the Immediate Payment Service infrastructure and allows the user to instantly transfer money between the bank accounts of any two parties. It can be used on all mobile devices.<br />
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<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.npci.org.in/images/BHIM-Details.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://www.npci.org.in/images/BHIM-Details.png" /></a></div>
<b><br /></b>
<b>Benefits:</b><br />
BHIM allow users send or receive money to other UPI payment addresses or scanning QR code or account number with IFSC code or MMID (Mobile Money Identifier) Code to users who do not have a UPI-based bank account.<br />
<br />
BHIM allows users to check current balance in their bank accounts and to choose which bank account to use for conducting transactions, although only one can be active at any time.<br />
<br />
<br />
Users can create their own QR code for a fixed amount of money, which is helpful in merchant — seller — buyer transactions.They can also have more than one payment address.<br />
<br />
<ol>
<li>Bharat Interface for Money (BHIM) is an app that lets you make simple, easy and quick payment transactions using Unified Payments Interface (UPI). You can easily make direct bank to bank payments instantly and collect money using just Mobile number or Payment address. Service available are as follows:</li>
<li>Send Money – Using this option, you can send money to anyone using Virtual Payment Address (VPA), Account no & IFSC and QR Scan.</li>
<li>Request Money – Using this option, you can collect money by entering Virtual Payment Address (VPA). Additionally through BHIM App, one can also transfer money using Mobile No. (Mobile No should be registered with BHIM or *99# and account should be linked).</li>
<li>Scan & Pay- Using this option, you can pay by scanning the QR code through Scan & Pay & generate your QR option is also present.</li>
<li>Transactions – Using this option, you can check transaction history and also pending UPI collect requests (if any) and approve or reject. You can raise complaint for the declined transactions by clicking on Report issue in transactions.</li>
<li>Profile – Using this option, you can view the static QR code and Payment addresses created. You can also share the QR code through various messenger applications like WhatsApp, Email etc. available on phone and can also download the QR code.</li>
<li>Bank Account – Using this Option, you can see the bank account linked with your BHIM App and its PIN status. You can set/change your UPI PIN. You can also change the bank account linked with BHIM App by clicking Change account provided in Menu. Also you can check Balance of your linked Bank Account by clicking “REQUEST BALANCE”.</li>
</ol>
<b>Download BHIM App for Android Phone from Play Store:</b> <a href="https://play.google.com/store/apps/details?id=in.org.npci.upiapp&hl=en" target="_blank">Click Here</a> (Official App link)<br /><br /><b>How to access BHIM:</b><br /><b>First Time User:</b><br />Step 1: Download and Install BHIM app from Google Play store<br /><br />Step 2: Select your preferred language.<br /><br />Step 3: Select SIM which has mobile number that is registered with bank CBS 4<br /><br />Step 4: Login by setting a 4 digit application password<br /><br />Step 5: Link your bank accounts using bank account option<br /><br />Step 6: Set your UPI PIN by providing last 6 digits of debit card and expiry date of debit card<br /><br />Step 7: Visit Profile option and set virtual payment address (VPA)s (2 virtual payment address (VPA)s are allowed per user 1. mobno@upi, 2. name@upi)<br /><br />Step 8: Set one virtual payment address (VPA) as a primary virtual payment address (VPA) ( Ex. name@upi can be primary virtual payment address (VPA) making it easy to share with others)<br /><br />Step 9: QR code feature is available, by using Scan and Pay option send and collect money anytime<br /><br />Step 10: Send, receive, collect money using virtual payment address (VPA), Account number + IFSC ,Scan and Pay option<div>
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<div>
<div style="background-color: white; font-family: Tahoma; font-size: 12px; text-align: justify;">
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<b>Download link:</b> <a href="https://sites.google.com/site/intaxsaving101/" target="_blank">BHIM Training Guide</a></div>
OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-32430942276495589862017-01-16T01:09:00.000-08:002017-01-16T02:22:09.116-08:00Download Surya Namaskara Poster or Primer<br />
<br />
<b>Meaning of Surya Namaskar Mantras:</b><br />
<br />
Aum Mithraaya Namaha The Friend of All<br />
Aum Ravaye Namaha Praised by All<br />
Aum Sooryaaya Namaha The Guide of All<br />
Aum Bhaanave Namaha The Bestower of Beauty<br />
Aum Khagaaya Namaha The One who moves quickly in the Sky<br />
Aum Pooshne Namaha The Nourisher of All<br />
Aum Hiranya Garbhaaya Namaha The Bright center of All Energy<br />
Aum Mareechaye Namaha The Destroyer of disease<br />
Aum Aadityaaya Namaha The Inspiring<br />
Aum savitre Namaha The Benevolent Mother<br />
Aum Arkaaya Namaha The One who is fit to be praised<br />
Aum Bhaaskaraaya Namaha The Illuminator<br />
Aum Sri Savitre Soorya Naarayanaaya Namaha The Creator, Preserver and Destroyer of All<br />
<br />
<b>To list some of the benefits of Suryanamaskar:</b><br />
<br />
Tones up the digestive system by the alternate stretching and compression of abdominal organs. It activates digestion and gets rid of constipation and dyspepsia.<br />
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Strengthens abdominal muscles.<br />
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Thoroughly ventilates the lungs, and oxygenates the blood.<br />
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Acts as detoxifying agent, by getting rid of enormous quantity of carbon dioxide and other toxic gases.<br />
Tones up the nervous system and improves memory.<br />
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Promotes sleep and calms anxiety.<br />
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Normalizes the activity of the endocrine glands – especially the thyroid gland.<br />
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Refreshes the skin. Prevents Skin disorders.<br />
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Improves muscle flexibility.<br />
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In women, stimulates the breasts to help firmness normally. Restores any lost elasticity, through stimulation of glands and the strengthening of pectoral muscles.<br />
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Suppresses menstrual irregularity and assists in easy childbirth.<br />
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Prevents loss of hair and graying.<br />
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Helps reduce fat.<br />
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Reduces abnormal prominence of the Adam’s apple.<br />
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Eliminates unpleasant smells from the body.<br />
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Lends grace and ease of movements to the body.<br />
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Revives and maintains the spirit of youthfulness.<br />
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Broadens chest and beautifies arms.<br />
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Makes the spine and waist flexible.<br />
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Produces health, strength, efficiency and longevity.<br />
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<b>Download Link: <a href="https://docs.google.com/viewer?a=v&pid=sites&srcid=ZGVmYXVsdGRvbWFpbnxpbnRheHNhdmluZzEwMXxneDo1NjQ3NGViNDQwNDI0ZjA0" target="_blank">Surya Namaskara Poster</a></b>OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-30914062219372425362017-01-15T09:23:00.003-08:002017-01-15T09:23:40.895-08:00Benefits of Travelling with Adventures<div class="separator" style="clear: both; text-align: center;">
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<br />OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-76772054642641653252017-01-15T09:17:00.003-08:002017-01-15T09:17:48.822-08:00OLD CHINESE Wisdom :A moral story <div class="separator" style="clear: both; text-align: center;">
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A farmer in ancient China had a neighbour who was a hunter, and who owned ferocious and poorly trained hunting dogs.<br />
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They jumped over the fence frequently and chased the farmer's lambs.<br />
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The farmer asked his neighbour to keep his dogs in check, but this fell on deaf ears.<br />
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One day the dogs again jumped the fence, attacked and severely injured several of the lambs.<br />
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The farmer had had enough, and went to town to consult a judge who listened carefully to the story and said: "I could punish the hunter and instruct him to keep his dogs chained or lock them up. But you would lose a friend and gain an enemy. Which would you rather have, friend or foe for a neighbour?"<br />
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The farmer replied that he preferred a friend.<br />
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“Alright, I will offer you a solution that keeps your lambs safe, and which will keep your a neighbour a friend."<br />
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Having heard the judge's solution, the farmer agreed.<br />
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Once at home, the farmer immediately put the judge's suggestions to the test.<br />
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He took three of his best lambs and presented them to his neighbour's three small sons, who were beside themselves with joy and began to play with them.<br />
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To protect his son's newly acquired playthings, the hunter built a strong kennel for his dogs.<br />
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Since then, the dogs never again bothered the farmer's lambs.<br />
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Out of gratitude for the farmer's generosity toward his sons, the hunter often shared the game he had hunted with the farmer.<br />
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The farmer reciprocated by sending the hunter the cheese he had made.<br />
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Within a short time the neighbours became good friends.<br />
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A saying in old China went something like this,<br />
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“One can win over and influence people the best with gestures of kindness and compassion.”<br />
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A similar Western saying:<br />
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“One catches more flies with honey than with vinegar."<br />
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Let us make an effort to make a pact that we will be polite when we speak and not make rude and sarcastic remarks at every opportunity we get, especially with our families, friends and colleagues.OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-16991229658469348872017-01-15T08:57:00.001-08:002017-01-15T08:57:50.858-08:00ನೀತಿ ಕಥೆ - ಅಹಂಕಾರದ ಕತ್ತೆ<div class="separator" style="clear: both; text-align: center;">
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<span style="font-size: large;">ಒಂದು ಊರಿನಲ್ಲಿ ಒಬ್ಬ ಅರಸನಿದ್ದ. ಅವನು ತನ್ನ ಬಟ್ಟೆ ಹೊತ್ತೊಯ್ಯಲು ಒಂದು ಕತ್ತೆಯನ್ನಿಟ್ಟುಕೊಂಡಿದ್ದ ಅದು ಅಗಸನ ಕೆಲಸವಾದ ಕೂಡಲೇ ಸನಿಹದ ಅರಣ್ಯಕ್ಕೆ ಹೋಗಿ ಮನಸೋಕ್ತ ಹುಲ್ಲು ಮೇಯ್ದು ಪುನಃ ರಾತ್ರಿಗೆ ಅಗಸನ ಮನೆಗೆ ಬರುತ್ತಿತ್ತು.</span><br />
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<span style="font-size: large;">ಒಂದು ದಿನ ಕತ್ತೆ ಹುಲ್ಲು ಮೇಯುತ್ತಿದ್ದಂತೆ ಕತ್ತೆತ್ತಿ ನೋಡಿತು, ನೆರಳೇ ತಾನೆಂದು ಭಾವಿಸಿತು - "ನಾನು ಈಗ ಇಪ್ಪತ್ತಡಿ ಎತ್ತರ ಹದಿನೈದಡಿ ಅಗಲವಾಗಿ ಒಂದು ಬಲಿಷ್ಠ ಆನೆಯಂತಾಗಿದ್ದೇನೆ. ಈಗ ನಾನು ಅರಣ್ಯದ ಯಾವ ಪ್ರಾಣಿಗಳಿಗೂ ಅಂಜುವದಿಲ್ಲ ಅವರೇ ನನ್ನನ್ನು ನೋಡಿ ಭಯದಿಂದ ದೂರ ಓಡಿಹೋಗಬೇಕು" ಎಂದು ಗರ್ವದಿಂದ ತಲೆ ಎತ್ತಿ ಕೆಟ್ಟ ಧ್ವನಿಯಿಂದ ಆರಣ್ಯವೆಲ್ಲ ಕೀಸರಿಡುವಂತೆ ಕಿರುಚತೊಡಗಿತು.</span><br />
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<span style="font-size: large;">ಕತ್ತೆಯ ಕೀಸರ ಧ್ವನಿಯಿಂದ ಅರಣ್ಯದಲ್ಲಿ ಮಲಗಿದ್ದ ಒಂದು ಸಿಂಹದ ಮರಿಗೆ ಎಚ್ಚರವಾಯಿತು. ಆರಣ್ಯಕ್ಕೇನೋ ಗಂಡಾಂತರ ಬಂದಿದೆ ಎಂದು ಅದು ಸಾವಕಾಶವಾಗಿ ಬಂದು ಕತ್ತೆಯ ಎದುರಿಗೇ ನಿಂತಿತು.</span><br />
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<span style="font-size: large;">ಅಹಂಕಾರದಿಂದ ಎದೆಸೆಟಿಸಿ ನಿಂತ ಕತ್ತೆಯು ಸಿಂಹದಮರಿಗೆ ಹೆದರದೆ ತನ್ನ ಉದ್ದ ಮೂತಿಯಿಂದ ಕೆಣುಕತೊಡಗಿತು, ತನ್ನೆದುರು ಎತ್ತರವಾಗಿ ನಿಂತ ಕತ್ತೆಯನ್ನು ನೋಡಿದ ಸಿಂಹದ ಮರಿಯೂ ತುಸು ಹಿಂದೆ ಸರಿಯಿತು ಕತ್ತೆಯ ಅಹಂಕಾರ ಹೆಚ್ಚಿತು. ನಾನು ಈಗ ಬಲಶಾಲಿ, ಆದ್ದರಿಂದಲೇ ಈ ಸಿಂಹದ ಮರಿ ಹೆದರಿ ಹಿಂದೆ ಸರಿಯತೊಡಗಿದೆ ಎಂದು ಅದು ಪುನಃ ಮುಂದೆ ಬಂದಿತು. ಕತ್ತೆಯ ರೂಪವನ್ನು ನೋಡಬೇಕೆಂದು ಸಿಂಹದ ಮರಿಯು ಅದರ ಹಿಂಭಾಗಕ್ಕೆ ಬಂದಿತು ಕತ್ತೆ ತನ್ನ ಚಾಳಿ ಬಿಡಲಿಲ್ಲ. ಎರಡೂ ಕಾಲೆತ್ತಿ ಒದೆಯಿತು.</span><br />
<span style="font-size: large;">ಸಿಂಹದ ಮರಿ ಚಿಕ್ಕದಿದ್ದರೇನಾಯಿತು, ಅದೂ ತನ್ನ ರೂಪ ತೋರಿಸಿತು, ಒಮ್ಮೆಲೆ ಜಿಗಿದು ಅದರ ಗಂಟಲನ್ನು ಹಿಡಿದು ಪಂಜರದಿಂದ ಹರಿದು ಕೊಂದು ರಕ್ತ ಹಿರಿತು.</span><br />
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<span style="font-size: large;">ನೀತಿ :</span><br />
<span style="font-size: large;">ಅಲ್ಪರಿಂದ ಐಶ್ವರ್ಯ, ಕೀರ್ತಿ, ಮಾನ - ಸನ್ಮಾನ ಪಡೆದಾಗ ಅವನು ತನ್ನ ಯೋಗ್ಯತೆ ಮರೆತು ಅಹಂಕರಿಯಾಗುತ್ತಾನೆ. ಆಗಲೇ ಅವನು ತನ್ನ ನಾಶದೆಡೆಗೆ ಸಾಗುವನು.....</span>OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-30636947437908916182017-01-15T08:52:00.000-08:002017-01-15T08:52:19.330-08:00ಶರಣಂ ಅಯ್ಯಪ್ಪ Mantra <div style="text-align: center;">
ಸ್ವಾಮಿಯೇ ಶರಣಂ ಅಯ್ಯಪ್ಪ ಓಂ ಹರಿಹರಪುತ್ರಾಯ |</div>
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ಪುತ್ರಾಲಾಭಾಯ ಮಹಾಶಾಸ್ತೇ ಶತ್ರುನಾಶಾಯ |</div>
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ಮದಗಜವಾಹನಾಯ ಪ್ರತ್ಯಕ್ಷಮೂಲಾಯುಧಾಯ|</div>
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ವರವರದ ಸರ್ವಜನಮೇ ವಶಮಾನಯ ಸ್ವಾಹಾಃ |</div>
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ಸ್ವಾಮಿಯೇ ಶರಣಂ ಅಯ್ಯಪ್ಪ||</div>
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llಶುಭಪ್ರಭಾತಂ, ಶುಭದಿನಂಚ.||</div>
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<br />OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-7584024791513159792017-01-15T08:45:00.000-08:002017-01-15T09:14:00.553-08:00Fundamental of Financial Planning for IndiaNote: These are general guide lines, check with your financial planner for details.<br />
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1. 30 % of your income must be used for <b>MONTHLY LIVING EXPENSES</b>.<br />
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2. 30% of your income must be used for <b>LIABILITIES </b>repayments<br />
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3. 30% of your income must be SAVED for your future <b>LIVING</b>.<br />
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4. 10% of your income must be spared for entertainments, vacations…<br />
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5. 6 months of monthly income must be available for emergency fund { <b>LIQUID FUND</b> }, it can be CASH or cashable investments<br />
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6. Home loan must be registered and apply on both husband and wife name. { Both can get benefits on Home loan Tax benefits }<br />
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7. Buying second house for investment is not advisable [ Survey reports - it will fetch you only around 3% return]<br />
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8. After age 45 years not supposed to enter into any <b>BIG LIABILITIES</b> [ Higher education of children and wedding of children will happen around 45 to 50 only ]<br />
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9. Joint account is compulsory @ <b>BANK SAVINGS</b> account.<br />
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10. Property must be registered on both Husband and wife name. [ As per legal act – after husband first legal heir is wife, after wife it will go to children only ]<br />
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11. Regular check on Nominations at all financial instruments<br />
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12. Only in insurance policy, Claims payable to Nominee. In other financial instruments legal heirs certificate is must to get back the settlement<br />
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13. 2 months salary must be parked on <b>LIFE INSURANCE POLICY </b>[ it’s a universal thumb rule on insurance ]<br />
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14. Don’t take any financial investment decisions by EMOTIONALLY<br />
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15. <b>MEDICLAIM </b>is must [ in spite of Group mediclaim coverage given at office [ After retirement there is no mediclaim coverage. After 50 years its very tough to enter into mediclaim ]<br />
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16. For your jewelry <b>LOCKER</b>, Only one lakh is payable by bank, if theft or fire happen at bank. Provided insurance done.<br />
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17. Like same way Government guaranteed only one lakh for your <b>FD </b>also. [ Fixed deposits with Banks upto Rs. 1 lakh only are backed by deposit insurance ]<br />
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18. Must know all tax implications. You cannot avoid paying tax. But you can minimize by way of investments.<br />
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19. All financial documents must be kept safely.<br />
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20. Financial investments must be followed through personal financial advisory.<br />
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21. Review your financial port folio by every six month.OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-57346240887676306922017-01-15T08:31:00.002-08:002017-01-15T08:31:54.386-08:00ತಿರುಮಲ ತಿರುಪತಿ ಶ್ರೀ ವೆಂಟೇಶ್ವರ ಸ್ವಾಮಿ ಸನ್ನಿದಿಯ 11 ಸತ್ಯಗಳು<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqfQVOWbgf8nQNVCN-0CNBR7InsNieMUmubs3z7cElQgL7mUNx0Ze4nIFMkuXvOkDTaETQEgG7oH8BgJHJYeUt9YW08kgu3SPOvMS05tuFEmpwn2nZQlg4Wyi4IF4yPHod7oJV1O541LY/s1600/Lord+Balaji+images+%25289%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqfQVOWbgf8nQNVCN-0CNBR7InsNieMUmubs3z7cElQgL7mUNx0Ze4nIFMkuXvOkDTaETQEgG7oH8BgJHJYeUt9YW08kgu3SPOvMS05tuFEmpwn2nZQlg4Wyi4IF4yPHod7oJV1O541LY/s1600/Lord+Balaji+images+%25289%2529.jpg" height="378" width="640" /></a></div>
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1) ದೇವಸ್ಥಾನದ ಪ್ರಾರಂಭದಲ್ಲಿ ಮಹಾದ್ವಾರದ ಬಲಗಡೆ ಶ್ರೀ ವೆಂಕಟೇಶ್ವರ ಸ್ವಾಮಿಯವರ ತಲೆಯ ಮೇಲೆ ಅನಂತಾಳ್ವಾರ್ ಹೊಡೆದ ಗಾಯ ಇರುತ್ತದೆ<br />
ಚಿಕ್ಕಮಗುವಿನ ರೂಪದಲ್ಲಿ ಇದ್ದ ಸ್ವಾಮಿಯವರನ್ನು ಆ ರಾಡಿನಲ್ಲಿ ಹೊಡೆದಿದ್ದರಿಂದ ಸ್ವಾಮಿಯವರ ಗಡ್ಡದ ಮೇಲೆ ಗಾಯವಾಗಿ ರಕ್ತ ಬರುತ್ತದೆ,<br />
ಆಗಲಿಂದ ಸ್ವಾಮಿಯವರ ಗಡ್ಡದ ಮೇಲೆ ಗಂಧವನ್ನು ಹಚ್ಚುವುದು ಸಂಪ್ರದಾಯವಾಗಿದೆ.<br />
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2) ಶ್ರೀ ವೆಂಕಟೇಶ್ವರ ಸ್ವಾಮಿ ವಿಗ್ರಹದಲ್ಲಿ ತಲೆ ಕೂದಲು ಜುಟ್ಟು (ನಿಜವಾದ ಕೂದಲು) ಇರುತ್ತದೆ. ಈ ಕೂದಲು ಯಾವಾಗಲೂ ಚಿಕ್ಕೆ ಹಿಡಿಯುವುದಿಲ್ಲ ಅಂತಾರೆ.<br />
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3) ತಿರುಮಲ ದೇವಸ್ಥಾನದಿಂದ 23 ಕಿ.ಮೀ ದೂರದಲ್ಲಿ ಒಂದು ಗ್ರಾಮ ಇರುತ್ತದೆ. ಆ ಗ್ರಾಮಸ್ಥರಿಗೆ ಬಿಟ್ಟು ಬೇರೆಯವರಿಗೆ ಆ ಗ್ರಾಮದ ಒಳಗಡೆ ಪ್ರವೇಶವಿಲ್ಲ. ಆ ಗ್ರಾಮಸ್ಥರು ತುಂಬಾ ಪದ್ಧತಿಯಿಂದ ಇರುತ್ತಾರೆ. ಅಲ್ಲಿಂದಲೇ ಸ್ವಾಮಿಯವರಿಗೆ ಹೂವು ತರುತ್ತಾರೆ. ಅಲ್ಲೇ ಇರುವ ತೋಟದಿಂದ ಆ ಹೂವುಗಳನ್ನು ತರುತ್ತಾರೆ. ಗರ್ಭಗುಡಿಯಲ್ಲಿ ಇರುವ ಪ್ರತಿಯೊಂದು ಆ ಗ್ರಾಮದಿಂದಲೇ ಬರುತ್ತದೆ.(ಹಾಲು,ತುಪ್ಪ,ಹೂವು,ಇತ್ಯಾದಿ...,)<br />
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4) ಸ್ವಾಮಿಯವರು ಗರ್ಭ ಗುಡಿಯ ಮದ್ಯ ಭಾಗದಲ್ಲಿ ಇರುವಂತೆ ಕಾಣಿಸುತ್ತಾರೆ. ಆದರೆ ನಿಜವಾಗಿ ಸ್ವಾಮಿಯು ಗರ್ಭಗುಡಿಯ ಬಲಗಡೆಯ ಕಾರ್ನರ್ ನಲ್ಲಿ ಇರುತ್ತಾರೆ. ಆಚೆಕಡೆಯಿಂದ ಗಮನಿಸಿದರೆ ಈ ವಿಷಯ ನಮಗೆ ತಿಳಿಯತ್ತದೆ.<br />
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5) ಸ್ವಾಮಿಯವರಿಗೆ ಪ್ರತಿದಿನ ಕೆಳಗೆ ಪಂಚೆ, ಮೇಲೆ ಸೀರೆಯಿಂದ ಅಲಂಕರಿಸುತ್ತಾರೆ. ಸುಮಾರು 50 ಸಾವಿರ ಖರೀದಿ ಮಾಡುವ ಸೇವೆ ಇರುತ್ತದೆ. ಆ ಸೇವೆಯಲ್ಲಿ ಪಾಲ್ಗೊಂಡ ದಂಪತಿಗಳಿಗೆ ಸೀರೆಯನ್ನು ಸ್ತ್ರೀಯರಿಗೆ, ಪಂಚೆಯನ್ನು ಪುರುಷರಿಗೆ ಕೊಡುತ್ತಾರೆ. ಈ ಸೇವೆಗೆ ತುಂಬಾ ಕಡಿಮೆ ಟಿಕೆಟ್ಟುಗಳನ್ನು ಮಾರುತ್ತಾರೆ.<br />
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6) ಗರ್ಭಗುಡಿಯ ಸ್ವಾಮಿಯಿಂದ ತೆಗೆದ ಹೂವು ಎಂದಿಗೂ ಆಚೆಕಡೆ ತರುವುದಿಲ್ಲ. ಸ್ವಾಮಿಯವರ ಹಿಂದೆ ಜಲಪಾತ ಇರುತ್ತದೆ. ಅರ್ಚಕರು ಹಿಂದೆ ನೋಡದೆ ಹೂಗಳನ್ನು ಜಲಪಾತದಲ್ಲಿ ಎಸೆಯುತ್ತಾರೆ.<br />
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7) ಸ್ವಾಮಿಯವರ ಬೆನ್ನಿನ ಮೇಲಿನ ನೀರನ್ನು ಎಷ್ಟು ಸಾರಿ ಒರೆಸಿದರೂ ಆ ನೀರು ಹಾಗೆ ಇರುತ್ತದೆ. ಹಾಗೆ ಅಲ್ಲಿ ಕಿವಿ ಇಟ್ಟು ಕೇಳಿದರೆ ಸಮುದ್ರದ ಅಲೆಗಳ ಶಬ್ದ ಕೇಳಿಸುತ್ತದೆ.<br />
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8) ಸ್ವಾಮಿಯವರ ಎದೆಯ ಮೇಲೆ ಲಷ್ಕ್ಮಿದೇವಿ ಇರುತ್ತಾರೆ, ಪ್ರತೀ ಗುರುವಾರ ನಿಜರೂಪ ದರ್ಶನದ ವೇಳೆಯಲ್ಲಿ ಸ್ವಾಮಿಯವರಿಗೆ ಛಂಧನದಿಂದ ಅಲಂಕರಿಸುತ್ತರೆ. ಅದು ತೆಗೆದುಹಾಕುವಾಗ ಲಷ್ಕ್ಮಿದೇವಿಯ ಅಚ್ಚು ಹಾಗೆ ಬರುತ್ತದೆ. ಅದನ್ನು ಮಾರುತ್ತಾರೆ.<br />
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9) ಸತ್ತ ಮೇಲೆ ಹಿಂದೆ ನೋಡದೆ ಹೇಗೆ ಸುಡುತ್ತಾರೊ, ಹಾಗೆ ಸ್ವಾಮಿಯವರಿಂದ ತೆಗೆದುಹಾಕಿದ.ಹೂಗಳನ್ನು ಮತ್ತು ಎಲ್ಲಾ ಪದಾರ್ಥಗಳನ್ನು ಅದೇ ತರಹ ಹಿಂದೆ ತಿರುಗಿ ನೋಡದೆ ಸ್ವಾಮಿಯವರ ಹಿಂದೆ ಎಸೆಯುತ್ತಾರೆ, ಆ ದಿನವೆಲ್ಲಾ ಸ್ವಾಮಿಯವರ ಹಿಂದಗಡೆ ನೋಡುವುದಿಲ್ಲ ಎನ್ನುತ್ತಾರೆ. ಆ ಹೂಗಳು ಮತ್ತು ಪದಾರ್ಥಗಳು ಎಲ್ಲಾ ಕೂಡ ತಿರುಪತಿಯಿಂದ 20 ಕಿ.ಮೀ ದೂರದಲ್ಲಿರುವ ವೆರ್ಚೆಡು (ಕಾಲಹಸ್ತಿಗೆ ಹೋಗುವ ದಾರಿಯಲ್ಲಿ) ಹತ್ತಿರ ತೇಲುತ್ತದೆ.<br />
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10) ಸ್ವಾಮಿಯವರ ಮುಂದೆ ಬೆಳಗುವ ದೀಪಗಳು ಅವು ಎಷ್ಟು ವರ್ಷಗಳಿಂದ ಬೆಳಗುತ್ತಿವೆಯೋ ಕೂಡ ಯಾರಿಗೂ ಗೊತ್ತಿಲ್ಲ.<br />
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11) 1800 ರಲ್ಲಿ ದೇವಸ್ಥಾನವನ್ನು ಹನ್ನೆರಡು ವರ್ಷಗಳ ಕಾಲ ಮುಚ್ಚಲಾಗಿತ್ತಂತೆ. *ಯಾರೋ ಒಂದು ದಿನ 12 ಮಂದಿಯನ್ನು ದೇವಸ್ಥಾನದ ಹತ್ತಿರ ತಪ್ಪು ಮಾಡಿದರೆಂದು ಬುದ್ಧಿ ಹೇಳಿ ಹೊಡೆದು ಗೋಡೆಗೆ ನೇತಾಡಿಸಿದರಂತೆ ಆ ಸಮಯದಲ್ಲಿ ವಿಮಾನ ವೆಂಕಟೇಶ್ವರ ಸ್ವಾಮಿ ನೆಲೆಸಿದ್ದಾರೆಂದು ಹೇಳುತ್ತಾರೆOpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-83829077008914946732017-01-15T01:13:00.000-08:002017-01-15T08:38:52.233-08:00Want to Analyse Indian Stock Market?<span style="color: #0b5394; font-size: x-small;">💥 💥 </span> <span style="color: #cc0000;"><b style="font-size: x-large;">Websites That Help to Analyse Stocks in Indian Market </b><span style="font-size: x-small;"> </span></span><span style="color: #0b5394; font-size: x-small;">💥 💥</span><br />
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<a href="http://www.tradingresearch.in/images/service_img/Stock-Futures.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://www.tradingresearch.in/images/service_img/Stock-Futures.jpg" height="192" width="640" /></a></div>
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<br />
1.<a href="http://www.%20bigpaisa.com/" target="_blank"> Bigpaisa.com</a> (Technical)<br />
2. <a href="http://topstockresearch.com/">Topstockresearch.com</a> (Technical)<br />
3. <a href="http://nseguide.com/">Nseguide.com</a> (Technical)<br />
4. <a href="http://chartink.com/">Chartink.com</a> (Technical)<br />
5. <a href="http://screener.in/">Screener.in</a> (Fundamental)<br />
6. <a href="http://hdfcsec.com/stockscreener/">Hdfcsec.com/stockscreener/</a> (Fundamental & Technical)<br />
7. <a href="mailto:Equitymaster.com" target="_blank">Equitymaster.com </a> (Fundamental)<br />
8. <a href="http://moneyworks4me.com/stock-market/stock-screener%20%C2%A0" target="_blank">Moneyworks4me.com/stock-market/stock-screener </a> (Fundamental)<br />
9. <a href="http://finalaya.com/">Finalaya.com</a> (Fundamental & Technical)<br />
10. <a href="http://stockscreener.in.reuters.com/stock/in">Stockscreener.in.Reuters.com/stock/in</a> (Fundamental)OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-18544509319942590922017-01-11T04:41:00.000-08:002017-01-11T04:41:50.892-08:00Bluetooth 5 is here: Things to Know<div class="separator" style="clear: both; text-align: center;">
<a href="https://e2e.ti.com/cfs-file/__key/communityserver-blogs-components-weblogfiles/00-00-00-08-84/8738.Bluetooth-5.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="142" src="https://e2e.ti.com/cfs-file/__key/communityserver-blogs-components-weblogfiles/00-00-00-08-84/8738.Bluetooth-5.png" width="320" /></a></div>
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This year will see the release of new devices with Bluetooth 5 standards. The last update of Bluetooth 4.2 was back in 2014 and it changed the way we used this wireless connection to a great extent. We went from transferring music and photos back in the old days to connecting devices like wireless headphones, speakers and smart home tech to our smartphones. And now with the release of Bluetooth 5, we can expect a much more evolved technology.<br />
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Here’s what you need to know about Bluetooth 5 and how it will affect your life.<br />
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1. Twice as faster</div>
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The new Bluetooth 5 technology is going to be twice as faster than
its predecessor. The doubled speed goes from 1Mbos to 2Mbps. This means
data will be transferred faster between devices which is crucial in
times where we share a lot of high quality and large files.<br />
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2. Four times the range</div>
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The range was a major setback in the previous Bluetooth standard.
This has been taken care of in the new update that will offer four times
the range than before. This means you can connect your smartphone to
the home theatre in the living room and won’t have to bother about
staying in the same room to maintain range. Bluetooth 5 can cover the
entire home and more with its high range.<br />
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3.Can transmit eight times as much data</div>
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It can now offer eight times the broadcast message capacity than
Bluetooth 4.2. That means the messages sent will carry eight times as
much data. This will be very useful for smart devices and the <a href="https://www.tatacliq.com/que/latest-tech-excites-you-the-most-in-2016/" target="_blank">Internet of Things</a> (IoT). It will help make way for higher quality transmission.<br />
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4.It’s more stable</div>
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This update will make devices more stable when connected to other
devices. This way the signal won’t be easily interrupted by other
wireless technologies.<br />
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5.Low energy consumption</div>
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The creators claim that in spite of all the new upgrades, Bluetooth 5
will be energy efficient. With it you can enjoy better connection and
faster speed without compromising on battery life. This can be very
helpful when you’re relying on your smartphone to play music wirelessly
via the speakers through the night.<br />
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6.It is secure</div>
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With all the personal information shared through smart home devices,
security becomes an important issue. The creator of this new update say
that Bluetooth 5 adheres to the US federal security regulations and meet
all security standards.<br />
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Using devices with this latest technology is surely something to look
forward to in 2017. Manufacturers are expected to roll out Bluetooth 5
in their new devices that will be launched starting early 2017. Since it
is a physical hardware, you won’t be able to update your existing
software but will have to wait for the new devices. However, you won’t
need to replace every gadget, Bluetooth 5 plays well with your existing
Bluetooth 4.2 too.OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-75867100809002374332017-01-06T00:05:00.001-08:002017-01-06T00:05:39.326-08:00Moringa Leaf - Super food for your bodyMoringa Leaf or Nugge Souppu is backyard tree grown commonly in Karnataka houses. Moringa tree's fruit which is called drumsticks and leaves are used for preparing various South Indian dishes.<br />
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Now in the west, leaf is popularly know for its nutritional values and abundance of minerals and vitamins it contains. <a href="https://draxe.com/moringa-benefits/">Dr.Axe</a> publishes an article on moringa's benefits in treating conditions such as:<br />
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Inflammation-related diseases<br />
Cancer<br />
Diabetes<br />
Anemia<br />
Arthritis and other joint pain, such as rheumatism<br />
Allergies and asthma<br />
Constipation, stomach pains and and diarrhea<br />
Epilepsy<br />
Stomach and intestinal ulcers or spasms<br />
Chronic headaches<br />
Heart problems, including high blood pressure<br />
Kidney stones<br />
Fluid retention<br />
Thyroid disorders<br />
Low sex drive<br />
Bacterial, fungal, viral and parasitic infections.<br />
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Moringa leaves are rich in antioxidants and balances hormones and slows the effects of aging. It is also a brain food, protects heart and liver and helps in fight diabetes.<br />
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How to Use It<br />
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You can add moringa powder to your smoothie or drink it as a tea. The leaf powder was deemed safe in human studies, even in larger doses than normal. The powder has a mild flavor, so it makes for a light tea with a slightly earthy taste.<br />
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But you might want to stay clear of seed extracts, as they have shown a level of toxicity in immune cells.<br />
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Moringa can have laxative effects in large quantities, so a safe dose to introduce it into your diet and avoid digestive problems is ½ to 1 teaspoon per day.<br />
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Try moringa leaf smoothies.<br />
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<iframe allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/RrBU_N1gjJg" width="560"></iframe>OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-1636939745519640912016-12-27T08:10:00.000-08:002016-12-27T08:14:30.308-08:00Indian Income Tax Saving Guide / Primer from 2016 onwards<h2>
Get your answers to some of the FAQs on Income Tax from Apnaplan.com</h2>
<br />
<ul>
<li><span style="color: #b45f06; font-family: Trebuchet MS, sans-serif; font-size: large;">How much tax I need to pay this year!</span></li>
<li><span style="color: #b45f06; font-family: Trebuchet MS, sans-serif; font-size: large;">What is the max I can save on taxes?</span></li>
<li><span style="color: #b45f06; font-family: Trebuchet MS, sans-serif; font-size: large;">How do I learn about my investment and taxes?</span></li>
<li><span style="color: #b45f06; font-family: Trebuchet MS, sans-serif; font-size: large;">Can I use both HRA and Home Loan to save taxes?</span></li>
<li><span style="color: #b45f06; font-family: Trebuchet MS, sans-serif; font-size: large;">How much benefit I can get for my home and education loan?</span></li>
<li><span style="color: #b45f06; font-family: Trebuchet MS, sans-serif; font-size: large;">PPF, FD or Insurance for saving tax?</span></li>
<li><span style="color: #b45f06; font-family: Trebuchet MS, sans-serif; font-size: large;">Everyone is talking about 80C, 80CCC, 80D, 80E - what’s the mystery of 80’s in tax planning?</span></li>
<li><span style="color: #b45f06; font-family: Trebuchet MS, sans-serif; font-size: large;">How I am paying more tax than my boss with higher income?</span></li>
<li><span style="color: #b45f06; font-family: Trebuchet MS, sans-serif; font-size: large;">Why did I buy that Insurance thing I never required?</span></li>
</ul>
<br />
<br />
<span style="font-size: large;">Click Here to View: <a href="https://docs.google.com/viewer?a=v&pid=sites&srcid=ZGVmYXVsdGRvbWFpbnxpbnRheHNhdmluZzEwMXxneDoyZmI4YjkwNzcyN2NiOWI" target="_blank">Income Tax Saving Guide</a></span>OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-36488302465323557182016-12-23T03:51:00.002-08:002016-12-23T03:53:31.007-08:00Jade/Money Plant for Good Luck, Prosperity and Friendship - Crassula OvataCrassula Ovata is a plant native to Africa, mostly commonly used in China as Jade plant Or Money plant. It is worlds popular house plant which got an evergreen color leaves with thick branches. It has thick, shiny, smooth, leaves that grow in opposing pairs along the branches. Leaves are a rich jade green, although some may appear to be more of a yellow-green.<br />
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Jade Plant is a popular good luck charm in Asia thought to activate financial energies. This beautiful succulent plant has vibrant green leaves symbolic of growth and renewal, closely resembling jade coins, symbolic of wealth and prosperity.<br />
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According to Feng Shui practices, it encourages placing Jade Plants in east locations for family harmony, health, initiation of projects, scholarly pursuits; in southeast locations for wealth luck; in west locations for creativity or children luck; and in northwest locations for the luck of mentors, teachers and helpful people.<br />
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Crassula ovata is a perfect present for a friend. If it flowers, it is the result of great care given to the plant. Flowering Jade Plant reflect well on the owner and symbolize great friendship, luck and prosperity. The green leaves signify energy and the joy of friendship, and the flowers represent the fragrance of great friendship.<br />
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Buying this plant may not solve your money problems, may be clean the air inside the house.OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-66945489072843057022016-12-23T02:11:00.000-08:002016-12-23T02:11:50.026-08:00What are redeemable non-convertible debentures - FAQs on NCD<div style="margin-bottom: 0em;">
<strong>1. What is a debenture?</strong></div>
<div style="margin-bottom: 0em;">
<strong><br /></strong></div>
A debenture is a type of debt instrument that is not secured by
physical assets or collateral. Debentures are backed only by the general
credit worthiness and reputation of the issuer. Both corporations and
governments frequently issue this type of bond to secure capital.<br />
<br />
<div style="margin-bottom: 0em;">
<strong>2. How many types of debentures are there?</strong></div>
There are two types of debentures: convertible and non-convertible. <br />
<br />
<div style="margin-bottom: 0em;">
<strong>3. What are convertible debentures?</strong></div>
Convertible debentures are unsecured bonds that can be converted into equity of the issuing company equity.<br />
<br />
<div style="margin-bottom: 0em;">
<strong>4. What are non-convertible debentures?</strong></div>
Non-convertible debentures (NCDs) are unsecured bonds that cannot be converted into equity of the issuing company.<br />
<br />
<div style="margin-bottom: 0em;">
<strong>5. What are secured NCDs?</strong></div>
Secured NCDs are backed by assets, meaning if the issuer is unable
to fulfill its obligation, its assets are liquidated to repay investors
holding the debentures. Secured debentures offer lower interest rates
compared with unsecured ones.<br />
<br />
<div style="margin-bottom: 0em;">
<strong>6. What are non-secured NCDs?</strong></div>
Non-secure NCDs are not backed by assets.<br />
<br />
<div style="margin-bottom: 0em;">
<strong>7. Tell me more about NCDs.</strong></div>
<ul>
<li>NCDs are traded on stock exchanges</li>
<li>Issuance and trading are in demat form only</li>
<li>Interest is paid through direct credit / electronic clearing
system / real-time gross settlement / national electronic funds transfer
mode</li>
<li>A good credit rating is required for a company to issue an NCD</li>
</ul>
<div style="margin-bottom: 0em;">
<strong>8. Who should invest in NCDs?</strong></div>
<ul>
<li style="text-align: justify;">Investors who desire stable consistent returns with the least risk</li>
<li style="text-align: justify;">Investors who seek consistent monthly returns</li>
<li style="text-align: justify;">Investors looking to diversify their portfolio by investing in fixed-income securities</li>
<li style="text-align: justify;">Investors who park their savings in fixed deposits (FDs)</li>
</ul>
<div style="margin-bottom: 0em;">
<strong>9. Why should I choose NCDs over FDs?</strong></div>
Compared with FDs, NCDs offer higher returns and carry moderate
risk. Plus, NCDs are liquid as these are traded on exchanges and have a
limited lock-in period, unlike FDs. <br />
<br />
<div style="margin-bottom: 0em;">
<strong>10. What is a coupon rate?</strong></div>
A coupon rate is the annual interest rate paid by a fixed-income
security. It is expressed as a percentage of the face value of the
security.<br />
<br />
<div style="margin-bottom: 0em;">
<strong>11. What is a redeemable debenture?</strong></div>
A redeemable debenture is the one for which the firm issuing the
debenture agrees to repay the borrowed sum on a specified date or after a
specified period of notice.<br />
<br />
<div style="margin-bottom: 0em;">
<strong>12. How are capital gains from NCDs taxed?</strong></div>
<ul>
<li>When held till maturity, the interest earned on NCDs is added to the total income and taxed as per the income tax slab</li>
<li>The gain from selling NCDs in less than one year is taxed as a short-term capital gain</li>
<li>The gain from NCDs sold after one year but before maturity is taxed as a long-term capital gain</li>
<li>Capital gains are taxed at the rate of 10% without indexation of
the cost of acquisition and at 20% with indexation, which factors in
inflation</li>
</ul>
<div style="margin-bottom: 0em;">
<strong>13. How to invest in NCDs?</strong></div>
<br />
At the time of a public issue, you may invest in NCDs by submitting
a physical form providing requisite details. You may also invest in
them online by visiting Sharekhan or any other online demat account websites.OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-29810252311227682792016-12-22T23:42:00.003-08:002016-12-22T23:42:41.166-08:00Alternative and Free messaging or Chat App is Here - TelegramTelegram is a cloud-based mobile and desktop messaging app with a focus on security and speed.<br />
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<a href="https://telegram.org/" target="_blank"><img border="0" src="https://4.bp.blogspot.com/-O_feobOwx-A/WFzUYc-8L-I/AAAAAAAABHk/ERQENUDy8a8HxRA5Xi2Za1QAi71mRORBQCLcB/s1600/Capture.PNG" /></a></div>
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<b>A native app for every platform</b></div>
<div class="separator" style="clear: both; text-align: center;">
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<a href="https://3.bp.blogspot.com/-d2t4uRAuFDU/WFzUkV6VabI/AAAAAAAABHo/MPVKyLQQiak3W_UX4T2oE07-z5ELkGupACLcB/s1600/Capture.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="220" src="https://3.bp.blogspot.com/-d2t4uRAuFDU/WFzUkV6VabI/AAAAAAAABHo/MPVKyLQQiak3W_UX4T2oE07-z5ELkGupACLcB/s640/Capture.PNG" width="640" /></a></div>
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<ul>
<li>Connect from most remote locations.</li>
<li>Coordinate groups of up to 5000 members.</li>
<li>Synchronize your chats across all your devices.</li>
<li>Send documents of any type.</li>
<li>Encrypt personal and business secrets.</li>
<li>Destruct your messages with a timer.</li>
<li>Store your media in the cloud.</li>
<li>Build your own tools on our API.</li>
<li>Enjoy feedback from your customers.</li>
</ul>
<div>
Why switch to Telegram?</div>
<div>
<br /></div>
<br />
<div>
<b>Private</b></div>
<div>
<div>
Telegram messages are heavily encrypted and can self-destruct.</div>
<div>
<b>Cloud-Based</b></div>
<div>
Telegram lets you access your messages from multiple devices.</div>
<div>
<b>Fast</b></div>
<div>
Telegram delivers messages faster than any other application.</div>
<div>
<b>Distributed</b></div>
<div>
Telegram servers are spread worldwide for security and speed.</div>
<div>
<b>Open</b></div>
<div>
Telegram has an open API and protocol free for everyone.</div>
<div>
<b>Free</b></div>
<div>
Telegram is free forever. No ads. No subscription fees.</div>
<div>
<b>Secure</b></div>
<div>
Telegram keeps your messages safe from hacker attacks.</div>
<div>
<b>Powerful</b></div>
<div>
Telegram has no limits on the size of your media and chats.</div>
<div>
<b>We Can do It!</b></div>
<div>
Help make messaging safe again – spread the word about Telegram.</div>
</div>
<div>
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<div>
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<br />OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-59085436922697807502016-12-20T23:33:00.001-08:002016-12-20T23:34:51.584-08:00Unified Payments Interface (UPI) - How to use the UPI appsIn the world, now India is moving towards cashless economy. Digital and Internet banking is booming now with digital e-wallets such as Paytm, Mobikwik, Payzapp, etc.. and lot of banking apps for the mobile phones.<br />
The transaction via net banking will charged if customer transfer money via <span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 16px;">NEFT/RTGS/IMPS, </span>charges depend on the amount size.<br />
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With the lunch of UPI ( Unified Payments Interface), now India has moved step closer to cashless economy. Smartphone owning users can install various UPI apps to transfer money or pay money to merchants, friends and family.<br />
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<a href="https://play.google.com/store/search?q=upi&c=apps" target="_blank"><img border="0" height="344" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQ0510r0t4OHowG9TkJ5mJajYyWPSzuQUOJXC7R6of20DSWhXri2kgvgf3Vc4MnNh24pQv0gtvnd06R9um0FJ-8EDejrK5aKycEiBdHRTT95EunWeZIXA8oqZUXqUBuNRSPP_y8KlHaOVT/s640/RBI+UPI+Apps+-+Youth+Apps.PNG" width="640" /></a></div>
<br />
So, now come to serious question, what is UPI?<br />
UPI is a payment system that allows you to transfer money between any two parties. It is kind NFET/IMPS/RTGS, except it's far more well defined and standardized across banks. it works 24x7, no time restrictions like NEFT.<br />
<br />
UPI allows you to pay directly from your bank account to different merchants without the hassle of typing your card details, or netbanking / wallet password. It uses MPIN as part of 2FA manadated by RBI, instead of OTP.<br />
<br />
UPI brings the awesome idea of "Virtual Payment Address" (Which look something like 'mypay@hdfc').<br />
<br />
Unified Payment Interface is an initiative by National Payments Corporation of India’s (NPCI), set up with the support of the Reserve Bank of India and Indian Banks Association (IBA). The NCPI operates the Rupay payments infrastructure that – like Visa and MasterCard – allows different banks to interconnect and transfer funds. IMPS (Immediate Payments Service) is also an initiative of NCPI. UPI is the advanced version of IMPS.<br />
<br />
UPI is now publicly available. Check if your bank has released an updated mobile app with UPI support already.<br />
<br />
How Does UPI Work?<br />
Currently, if you want to make a bank payment online, you have to enter their account number, account type, Bank name and IFSC code. Even if you have all these details, typing it all in, particularly on a phone, is a painful process. Most banks take upto 12 hours to add a new payee and only then you can make the transfer.<br />
<br />
The idea behind the UPI is to do away with all of this. The interface will allow account holders across banks to send and receive money from their smartphones using just their Aadhaar unique identity number, mobile phone number or virtual payments address without entering bank account details.<br />
<br />
According to NPCI, so far only 29 banks have agreed to start this service. If your bank is UPI-enabled, you can ask it to connect you to the system. To initiate a transaction, you can use two types of address—global or local. Global address includes your mobile, Aadhaar and bank account numbers. A local address can be a virtual address. Let’s say your bank gives you a virtual ID similar to your email ID (for instance, name@companyname). This virtual address will allow you to send and receive money from multiple banks and prepaid payment issuers.<br />
<br />
So, you will no longer need to use a particular app to send and receive money. For example, if you use a taxi service, at the end of the journey you just have to give your virtual address and the driver will request money from it. You will get a message on your mobile phone asking for authentication. Once you authenticate the transaction by entering your password, it will be complete. This process doesn’t require either the driver or you to share bank details. Since UPI runs on IMPS, the service will be available real time and 24X7.OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-12123524560819501082016-12-12T01:08:00.000-08:002016-12-12T01:08:13.629-08:00Power Herbs for Boosting your Daily Energy<span class="st"><em>herbs</em> are any plants used for food, flavoring, medicine, or fragrances for their savory or aromatic properties. Their medicinal properties are known for centuries in India and China.</span><br />
<span class="st">Herbs are taken for various ailments as well as well being. </span><em>Herbs</em> are famously used for impotency, weight loss, chronic fatigue, liver or heart disease, and other common ailments.<br />
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Here are 5 of the herbs to boost your daily fatigue and stress.<br />
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<br />OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-47174310122875698582016-12-09T06:15:00.001-08:002016-12-11T23:14:57.497-08:00How to become Mutual Fund Distributor in India<h3 class="extraTitle" style="background-color: white; color: #565656; font-family: Arial, Helvetica, sans-serif; font-size: 16px; margin: 0px; outline: none; padding: 0px 0px 15px;">
Following are the requirements to become a financial advisor</h3>
<div class="list07H" style="background-color: white; margin: 0px; outline: none; padding: 0px;">
<ol style="list-style-image: initial; list-style-position: outside; margin: 0px; outline: none; padding: 0px 0px 0px 30px;">
<li style="color: #565656; font-family: arial, helvetica, sans-serif; font-size: 12px; margin: 0px; outline: none; padding: 0px;"><div style="line-height: 18px; outline: none; padding: 0px 0px 10px;">
Obtain a valid certification from the National Institute of Securities Market(NISM) by passing their certification examination '<a href="https://www.taurusmutualfund.com/pdf/NISM_Distributors_Workbook.pdf" target="_blank">NISM Series V-A : Mutual Fund Distributors Certification Examination</a>'</div>
<div class="boxY" style="background: rgb(252, 255, 244); border-radius: 10px; border: 1px solid rgb(183, 196, 142); margin: 0px; outline: none; padding: 10px;">
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<li style="background: url("../images/bullet03.gif") 0px 4px no-repeat; margin: 0px; outline: none; padding: 0px 0px 5px 15px;"><div style="line-height: 18px; outline: none; padding: 0px;">
ARN Number issued by AMFI to the Individual,Senior Citizen,Partnership Firm or Company</div>
</li>
<li style="background: url("../images/bullet03.gif") 0px 4px no-repeat; margin: 0px; outline: none; padding: 0px 0px 5px 15px;"><div style="line-height: 18px; outline: none; padding: 0px;">
ARN Certificate issued by AMFI to a person other than Individual</div>
</li>
</ul>
</div>
</div>
<div style="line-height: 18px; outline: none; padding: 0px 0px 10px;">
<br /></div>
</li>
<li style="color: #565656; font-family: arial, helvetica, sans-serif; font-size: 12px; margin: 0px; outline: none; padding: 0px;"><div style="line-height: 18px; outline: none; padding: 0px 0px 10px;">
Complete the Duly filled form of the respective Mutual fund houses with a Photograph(For a Company, photograph is not required)</div>
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PAN Number</div>
</li>
<li style="background: url("../images/bullet03.gif") 0px 4px no-repeat; margin: 0px; outline: none; padding: 0px 0px 5px 15px;"><div style="line-height: 18px; outline: none; padding: 0px;">
A Self-Declaration form stating compliance of circulars issued by AMFI</div>
</li>
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In case of a firm or company, the additional document is required which clearly states that all their employees are AMFI / NISM qualified</div>
</li>
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A Bank Mandate</div>
</li>
</ul>
</div>
</div>
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</li>
<li style="margin: 0px; outline: none; padding: 0px;"><div style="line-height: 18px; outline: none; padding: 0px 0px 10px;">
<div style="color: #565656; font-family: arial, helvetica, sans-serif; font-size: 12px;">
Submit the duly filled form along with the self attested documents as mentioned below to the nearest Mutual Fund branch </div>
<span style="color: #565656; font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: 12px;"><br /></span></span>
<span style="color: #565656; font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: 12px;">Individiual / HUF</span></span></div>
<div class="accord01H accordDistri" style="margin: 0px; outline: none; padding: 0px;">
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<li style="margin: 4px 0px 0px; outline: none; padding: 0px;"><div style="line-height: 18px; outline: none; padding: 0px 0px 10px;">
ARN card copy (Self certified & attested by AMC Branch) (In case of Individual/HUF, the ARN should be in name of Individual/HUF, the name of Corporate or Bank should not appear on ARN card copy)</div>
</li>
<li style="margin: 4px 0px 0px; outline: none; padding: 0px;"><div style="line-height: 18px; outline: none; padding: 0px 0px 10px;">
PAN card copy (Self certified photocopy & Duly signed and stamped by the Branch)</div>
</li>
<li style="margin: 4px 0px 0px; outline: none; padding: 0px;"><div style="line-height: 18px; outline: none; padding: 0px 0px 10px;">
KYD acknowledgement</div>
</li>
<li style="margin: 4px 0px 0px; outline: none; padding: 0px;"><div style="line-height: 18px; outline: none; padding: 0px 0px 10px;">
Cancelled Cheque Copy of the a/c no. mentioned on form.</div>
</li>
</ol>
</div>
</div>
</li>
</ul>
</div>
</li>
</ol>
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OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-28468087879897356942016-12-08T23:46:00.000-08:002016-12-08T23:50:51.287-08:00Lost your Insurance Bond/Letter - Here's what you have to do to get the Duplicate.<div class="separator" style="clear: both; text-align: center;">
<a href="http://static4.consumerreportscdn.org/content/dam/cro/news_articles/health/CRO_Health_Lost_Health_Insurance_09-14.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="465" src="https://static4.consumerreportscdn.org/content/dam/cro/news_articles/health/CRO_Health_Lost_Health_Insurance_09-14.png" width="640" /></a></div>
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Before you proceed to get the duplicate insurance policy bond, thoroughly check your cup board.<br />
Question yourself whether you really lost your document? Remember whether you have pledged it for some emergency money requirements, or given it to wife for safe keeping or you must have kept it in old brief case and forgot.<br />
<br />
If you does not belong to any of these, then you are a candidate for applying for duplicate insurance policy bond.<br />
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If you are sure that, you lost your policy document, below are the steps you need to follow to get the duplicate of your policy document:<br />
<br />
1. Contact your local branch of Insurance company and tell them you have lost or misplaced your bond and you have not pledged it.<br />
<br />
2. They will tell the procedure to apply for duplicate insurance policy.<br />
<br />
3. Please keep in mind that Insured person should approach the branch with Policy number.<br />
<br />
4. Better to take what documents you have related to insurance like premium paid certificates/receipts.<br />
<br />
Below is the common practice to get the duplicate insurance policy bond.<br />
<br />
1. You need to give an Indemnity Bond with Surety from your relatives/friends. Ask the branch customer representative/ manager for the format of Indemnity bond (<b><span style="font-size: large;"> <a href="http://pnbmetlife.com/Downloads/POS%20Forms/Indemnity%20Bond%20for%20Duplicate%20policy.pdf" target="_blank">See the sample Indemnity bond here</a> or Search in <a href="https://www.google.co.in/search?q=lost+insurance&biw=1600&bih=804&source=lnms&sa=X&ved=0ahUKEwjAlLbLzubQAhXBPBQKHd6uDRkQ_AUIBSgA&dpr=1#q=indemnity+bond+sample+format+for+insurance" target="_blank">Google</a></span></b>) which you do print on the non judiciary stamp paper ( Mostly Rs.100) and get it notarized from any certified notary.<br />
2. Make sure you have witnesses and Surety person sign the bond and surety letter.<br />
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Please note that, you must carry<br />
<br />
Policy number (prefer any policy premium receipts)<br />
<br />
<ul>
<li> ID proof</li>
<li> Address proof</li>
<li> One passport size photograph</li>
<li>Request letter</li>
</ul>
<br />
You can get your duplicate copy of your Insurance policy document / bond within 2-3 business working days or depend on the Insurance company timelines.<br />
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Before you take any decision, better call your Insurance customer care.OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-42127815056703438522016-04-25T05:20:00.000-07:002016-04-25T05:20:11.043-07:00How to counter obesity and reduce fat using Ayurveda<li>Foods such as sweets, sweetened drinks, carbohydrate and oil rich foods increase <i>kapha </i>and <i>medha</i> (body fat) and must be avoided.</li>
<li>Consume more wheat products than rice products. Use green gram and horse gram to reduce kapha and medha.</li>
<li>Consume one teaspoon of black pepper powder, two teaspoons of honey with a glass of ‘weight-reducing’ herbal tea to aid weight loss.</li>
<li>Take one glass of water every hour from the time you get up to reduce belly fat.</li>
<li>Minimize your salt intake and milk based products such as ice-creams and butter.</li>
<li>Ayurvedic practitioners suggest that one must consume two fruits in the morning and one fruit every evening to reduce belly fat.</li>
<li>Use a lot of cinnamon, ginger, garlic, turmeric and pepper in your cooking.</li>
<li>Avoid the afternoon siesta to avoid slowing of basal metabolic rate and burn more calories.</li>
<li>Massage the belly with Ayucare <i>lavanthailam</i>, known to be effective in disintegrating stubborn belly fat. Wash it off after 15 minutes with warm water.</li>
<li>Take 15 ml of <i>varadi</i>, a tonic and mix it with 60 ml boiled
and cooled water. Add honey and have a spoonful every morning and
evening. Rest for 15 minutes after taking this. </li>
<li>Add one spoon of <i>triphala chooran</i> to water and boil it. Take it with honey after every meal. </li>
<li>Drink a glass of warm water when you get up. This is very effective for reducing belly fat.</li>
<li>Grind horse gram to a fine powder. Add it to heated sour buttermilk
and apply this paste over the belly and massage vigorously in upward
strokes. Horse gram is highly effective in reducing body fat. Bathe in
warm water bath half an hour after the massage.</li>
<li>Abstain from non-vegetarian food as far as possible </li>
<br />
<li>Exercises such as swimming, walking, and jogging also contribute to <b>weight loss</b> along with the above mentioned ayurvedic remedies to reduce belly fat. </li>
<li><i>Kaapal Bhathi </i>pranayam is effective in reducing belly fat</li>
OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-32696201726618017652016-04-20T02:54:00.001-07:002016-04-30T10:03:29.275-07:00Quality nursery garden plants in BangaloreEvery one knows that Bangalore is garden, even though it has lost much of its parks and trees. Lal bagh is one such place which is always must visit list of the tourists when they visit Bangalore.<br />
<br />
Lal bagh which is a botanical garden spread across 40 acres of land started by Hyder Ali. It is also a destination to learn about planting, growing and knowing about variety of plants, flowers, and trees.<br />
<br />
But around Lalbagh there are nurseries and gardens which are selling high quality garden plants and trees.<br />
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<a href="http://thephotogardenbee.com/wp-content/uploads/2009/11/trail-garden-summer3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://thephotogardenbee.com/wp-content/uploads/2009/11/trail-garden-summer3.jpg" height="406" width="640" /></a></div>
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<a href="http://www.krishnendranursery.in/" target="_blank">KRISHNENDRA NURSERY</a><br />
Wide range, large scale and quality productions in 20 Hectares. Flowering, colourful Foliage Shrubs and Ground covers for landscape, indoor and outdoor gardens.<br />
<br />
It is started in 1940s by Y. Munivenkatappa. The KRISHNENDRA NURSERY had conducted a contest for the general public to create<br />
awareness among them with regard to the benefits of growing plants. In the contest the<br />
participants were required to, among 15,000 plants, identify some 150 varieties of<br />
plants & write down the Botanical names of these plants. The contest was a Landmark<br />
even and drew out all aspiring botanists from all the colleges in Bangalore.
<iframe allowfullscreen="" frameborder="0" height="450" src="https://www.google.com/maps/embed?pb=!1m18!1m12!1m3!1d3883.778546504934!2d77.5860135089576!3d12.943153526860277!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x0000000000000000%3A0x9dcd36a386077d87!2sKrishnendra+Nursery!5e0!3m2!1sen!2sin!4v1461146096392" style="border: 0;" width="600"></iframe>OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.comtag:blogger.com,1999:blog-7204366763816863932.post-19848240344080548882016-04-20T00:43:00.001-07:002016-04-20T00:43:37.300-07:00Fastest Growing companies in India 2015 - Outlook Business2015 has been a complicated year for share markets marked by choppy
equity movements, bleak corporate earnings, sub normal monsoons,
plummeting rupee, commodity and oil prices along with surprise interest
rate cuts. The silver lining for 2015 however, was the continued flows
received by domestic institutions, particularly mutual funds.<br />
<br />
<div class="font_8">
Outlook business has come out with a useful list of <span style="font-weight: bold;">fastest growing companies in India in 2015.</span></div>
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<span style="text-decoration: underline;"><a href="http://www.outlookbusiness.com/specials/fastest-growing-companies_2015/fastest-growing-companies-2015-list-1-2523" target="_blank">Rank 1 to 6</a></span></div>
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<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">1 </span></span></strong><strong><span style="font-size: medium;">Pennar Engineered Building System</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">2 </span>Ashapura Intimates Fashion</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">3</span> Shilpi Cable Technologies</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">4</span> Kaveri Seeds</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">5</span> Vakrangee</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">6</span> V-Mart Retail</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><br /></span></strong></div>
<div class="font_8">
<span style="text-decoration: underline;"><a href="http://www.outlookbusiness.com/specials/fastest-growing-companies_2015/fastest-growing-companies-2015-list-2-2522" target="_blank">Rank 7 to 11</a></span></div>
<div class="font_8">
<br /></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">7</span> Kwality</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">8 </span>Thomas Cook (India)</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">9</span> Hindustan Media Ventures</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">10 </span>Astra Microwave</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">11</span> Camlin Fine Sciences</span></strong></div>
<div class="font_8">
<br /></div>
<div class="font_8">
<span style="text-decoration: underline;"><a href="http://www.outlookbusiness.com/specials/fastest-growing-companies_2015/fastest-growing-companies-2015-list-3-2521" target="_blank">Rank 12 to 16</a></span></div>
<div class="font_8">
<br /></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">12</span> PC Jeweller</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">13</span> Caplin Point Lab</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">14</span> Arcotech</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">15</span> Shemaroo Entertainment</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">16</span> Sun Pharma</span></strong></div>
<div class="font_8">
<br /></div>
<div class="font_8">
<span style="text-decoration: underline;"><a href="http://www.outlookbusiness.com/specials/fastest-growing-companies_2015/fastest-growing-companies-2015-list-4-2520" target="_blank">Rank 17 to 21</a></span></div>
<div class="font_8">
<br /></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">17</span> Justdial</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">18</span> PTL Industries</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">19</span> Atul Auto</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">20</span> Page Industries</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">21</span> Ajanta Pharma</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><br /></span></strong></div>
<div class="font_8">
<span style="text-decoration: underline;"><a href="http://www.outlookbusiness.com/specials/fastest-growing-companies_2015/fastest-growing-companies-2015-list-5-2519" target="_blank">Rank 22 to 26</a></span></div>
<div class="font_8">
<br /></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">22</span> Tech Mahindra</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">23</span> BS Ltd</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">24</span> PI Industries</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">25</span> Jubilant Foodworks</span></strong></div>
<div class="font_8">
<span style="font-size: medium;"><strong><span style="color: red; font-size: large;">26</span> Axiscades Engineering Technologies </strong></span></div>
<div class="font_8">
<span style="font-size: medium;"><strong><br /></strong></span></div>
<div class="font_8">
<span style="text-decoration: underline;"><a href="http://www.outlookbusiness.com/specials/fastest-growing-companies_2015/fastest-growing-companies-2015-list-6-2514" target="_blank">Rank 27 to 31</a></span></div>
<div class="font_8">
<br /></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">27</span> Cera Sanitaryware</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">28</span> HCL Technologies</span></strong></div>
<div class="font_8">
<span style="font-size: medium;"><strong><span style="color: red; font-size: large;">29</span> Mayur Uniquoters</strong></span></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">30</span> eCLERX Services</span></strong></div>
<div class="font_8">
<strong><span style="font-size: medium;"><span style="color: red; font-size: large;">31</span> TVS Srichakra</span></strong></div>
OpenITguruhttp://www.blogger.com/profile/03844684079130800960noreply@blogger.com