Archive for August 2007
Utilizing the natural lights of the night life in JAPAN. we would be shooting mainly at night time
Have a look at this
Salary & Govt. Concessions for a Member of Parliament (MP)
Monthly Salary : 12,000
Expense for Constitution per month : 10,000
Office expenditure per month : 14,000
Traveling concession (Rs. 8 per km) : 48,000 ( eg.For a visit from kerala to Delhi & return: 6000 km)
Daily DA TA during parliament meets : 500/day
Charge for 1 class (A/C) in train:Free (For any number oftimes) (All over India )
Charge for Business Class in flights : Free for 40 trips / year (With wife or P.A.)
Rent for MP hostel at Delhi : Free
Electricity costsat home : Freeup to 50,000 units
Local phone call charge : Free up to 1 ,70,000 calls.
TOTAL expense for a MP [having no much qualification] per year : 32,00,000 [i.e. 2.66 lakh/month]
TOTAL expense for 5 years : 1,60,00,000
For 534 MPs, the expense for 5 years : 8,54,40,00,000 (nearly 855 crores)
AND THE PRIME MINISTER IS ASKING THE HIGHLY QUALIFIED, OUT PERFORMING CEOsTO CUT DOWN
THEIR SALARIES.....
This is how all our tax money is been swallowed and price hike on our regularcommodities....... And this is the presentcondition of our country:
855 crores could maketheir life livable !!
Think of the great democracy we have.............
PLEASE TELL ABOUT THIS MESSAGE TO ALL INDIANS THROUGHOUT THE WORLD...
BUT
STILL Proud to be INDIAN
You've read the reviews and digested the key feature enhancements and operational changes. Now it's time to delve a bit deeper and uncover some of Windows XP's secrets.
2. You can delete files immediately, without having them move to the Recycle Bin first. Go to the Start menu, select Run... and type 'gpedit.msc'; then select User Configuration, Administrative Templates, Windows Components, Windows Explorer and find the Do not move deleted files to the Recycle Bin setting. Set it. Poking around in gpedit will reveal a great many interface and system options, but take care -- some may stop your computer behaving as you wish. (Professional Edition only).
3. You can lock your XP workstation with two clicks of the mouse. Create a new shortcut on your desktop using a right mouse click, and enter 'rundll32.exe user32.dll,LockWorkStation' in the location field. Give the shortcut a name you like. That's it -- just double click on it and your computer will be locked. And if that's not easy enough, Windows key + L will do the same.
4. XP hides some system software you might want to remove, such as Windows Messenger, but you can tickle it and make it disgorge everything. Using Notepad or Edit, edit the text file /windows/inf/sysoc.inf, search for the word 'hide' and remove it. You can then go to the Add or Remove Programs in the Control Panel, select Add/Remove Windows Components and there will be your prey, exposed and vulnerable.
5. For those skilled in the art of DOS batch files, XP has a number of interesting new commands. These include 'eventcreate' and 'eventtriggers' for creating and watching system events, 'typeperf' for monitoring performance of various subsystems, and 'schtasks' for handling scheduled tasks. As usual, typing the command name followed by /? will give a list of options -- they're all far too baroque to go into here.
6. XP has IP version 6 support -- the next generation of IP. Unfortunately this is more than your ISP has, so you can only experiment with this on your LAN. Type 'ipv6 install' into Run... (it's OK, it won't ruin your existing network setup) and then 'ipv6 /?' at the command line to find out more. If you don't know what IPv6 is, don't worry and don't bother.
7. You can at last get rid of tasks on the computer from the command line by using 'taskkill /pid' and the task number, or just 'tskill' and the process number. Find that out by typing 'tasklist', which will also tell you a lot about what's going on in your system.
8. XP will treat Zip files like folders, which is nice if you've got a fast machine. On slower machines, you can make XP leave zip files well alone by typing 'regsvr32 /u zipfldr.dll' at the command line. If you change your mind later, you can put things back as they were by typing 'regsvr32 zipfldr.dll'.
9. XP has ClearType -- Microsoft's anti-aliasing font display technology -- but doesn't have it enabled by default. It's well worth trying, especially if you were there for DOS and all those years of staring at a screen have given you the eyes of an astigmatic bat. To enable ClearType, right click on the desktop, select Properties, Appearance, Effects, select ClearType from the second drop-down menu and enable the selection. Expect best results on laptop displays. If you want to use ClearType on the Welcome login screen as well, set the registry entry HKEY_USERS/.DEFAULT/Control Panel/Desktop/FontSmoothingType to 2.
10. You can use Remote Assistance to help a friend who's using network address translation (NAT) on a home network, but not automatically. Get your pal to email you a Remote Assistance invitation and edit the file. Under the RCTICKET attribute will be a NAT IP address, like 192.168.1.10. Replace this with your chum's real IP address -- they can find this out by going to http://www.whatismyip.com/ -- and get them to make sure that they've got port 3389 open on their firewall and forwarded to the errant computer.
11. You can run a program as a different user without logging out and back in again. Right click the icon, select Run As... and enter the user name and password you want to use. This only applies for that run. The trick is particularly useful if you need to have administrative permissions to install a program, which many require. Note that you can have some fun by running programs multiple times on the same system as different users, but this can have unforeseen effects.
12. Windows XP can be very insistent about you checking for auto updates, registering a Passport, using Windows Messenger and so on. After a while, the nagging goes away, but if you feel you might slip the bonds of sanity before that point, run Regedit, go to HKEY_CURRENT_USER/Software/Microsoft/Windows/Current Version/Explorer/Advanced and create a DWORD value called EnableBalloonTips with a value of 0.
13. You can start up without needing to enter a user name or password. Select Run... from the start menu and type 'control userpasswords2', which will open the user accounts application. On the Users tab, clear the box for Users Must Enter A User Name And Password To Use This Computer, and click on OK. An Automatically Log On dialog box will appear; enter the user name and password for the account you want to use.
14. Internet Explorer 6 will automatically delete temporary files, but only if you tell it to. Start the browser, select Tools / Internet Options... and Advanced, go down to the Security area and check the box to Empty Temporary Internet Files folder when browser is closed.
15. XP comes with a free Network Activity Light, just in case you can't see the LEDs twinkle on your network card. Right click on My Network Places on the desktop, then select Properties. Right click on the description for your LAN or dial-up connection, select Properties, then check the Show icon in notification area when connected box. You'll now see a tiny network icon on the right of your task bar that glimmers nicely during network traffic.
16. The Start Menu can be leisurely when it decides to appear, but you can speed things along by changing the registry entry HKEY_CURRENT_USER/Control Panel/Desktop/MenuShowDelay from the default 400 to something a little snappier. Like 0.
17. You can rename loads of files at once in Windows Explorer. Highlight a set of files in a window, then right click on one and rename it. All the other files will be renamed to that name, with individual numbers in brackets to distinguish them. Also, in a folder you can arrange icons in alphabetised groups by View, Arrange Icon By... Show In Groups.
18. Windows Media Player will display the cover art for albums as it plays the tracks -- if it found the picture on the Internet when you copied the tracks from the CD. If it didn't, or if you have lots of pre-WMP music files, you can put your own copy of the cover art in the same directory as the tracks. Just call it folder.jpg and Windows Media Player will pick it up and display it.
19. Windows key + Break brings up the System Properties dialogue box; Windows key + D brings up the desktop; Windows key + Tab moves through the taskbar buttons.
20. The next release of Windows XP, codenamed Longhorn, is due and won't be much to write home about. The next big release is codenamed Blackcomb.
The most arduous of journeys begin with a small step. When it comes to something as important as planning for child's education and marriage, that small step means setting yourself an important objective.
To put it plainly, the fundamentals of investing are no different for men or women; so you have to plan your investments, execute the investment plan and track it regularly. If this sounds a little complicated, don't worry, we have simplified the process for you.
Step 1: Define your objectives
The most important thing to do while you sit down to plan your finances is ask yourself why you want to invest. For a married woman with children, the answer could be the child's education or marriage.
For a woman whose children are already married, the desire to invest could stem from a dream to set up a small boutique, for instance. For a woman who is yet to get married, it could be for her marriage. So you could have a variety of objectives; when you get down to penning them down you will notice that the list is a lot longer than what you had bargained for.
When we began compiling a list of likely objectives for women we came up with some interesting options:
Saving for your own marriage 5 years from today.
Saving for your child's education 15 years from today.
Saving for your child's marriage 20 years from today.
Saving for a small business that you want to set up at a later date
Saving for an overseas trip, maybe even a pilgrimage 5 years from today.
Saving for a gift for your spouse or parents
Saving for your retirement 30 years from today.
This seemingly long list could be even longer when you take into consideration objectives that are peculiar to you.
Once you have the investment objectives in place, the next step is to prepare an investment plan to achieve those objectives. This may sound daunting, but it isn't, when you consider that it's your investment consultant who has to draw up the investment plan and your role is limited to giving him inputs in terms of your investment objective, appetite for equity-linked investments, investment time frame, tax-efficient returns and the like.
Step 2: Identify the investment consultant
Since your investment consultant has such an important role to play in helping you achieve your investment objectives, it is important that you 'connect' with the right consultant. To make your job simpler, we have prepared a checklist to help you select the right investment consultant:
Both insurance and mutual fund consultants need certification before they begin advising clients. Insurance agents must be certified by the IRDA (Insurance Regulatory and Development Authority), while mutual fund agents must be certified by AMFI (Association Mutual Funds in India). The agent must have the certification on his person, so it's relatively simple to affirm whether your consultant is qualified.
An investment consultant should be competent enough to understand your financial objectives and chalk out an investment plan that can best help you achieve them.
It is critical that investment consultants are objective and unbiased in their advice. Being objective means placing the client's interest over your own. The investment consultant should be faithful to the plan that he has prepared for you and his advice must revolve around it.
Value-add investment services is another area that your consultant must treat as priority. Tools and calculators, stock and mutual fund alerts, portfolio tracker, research on mutual fund schemes and life insurance plans are some of the value-added services that investment consultants provide. Of course, there are few consultants who do this, but those are the ones you must identify. Some of these tools are web-based and should appeal to women who are net-savvy.
Even after you have taken the insurance policy or invested in a mutual fund scheme, your relationship with the investment consultant continues. You may need feedback on your investment, account statement, premium cheques to be submitted to the life insurance company, follow-up on dividends on your mutual fund investments and the like. It is the responsibility of the mutual fund agent to provide prompt after-sales service and resolve these issues efficiently.
Step 3: Preparing an investment plan
Once you have identified the investment consultant, you must get down to actually implementing the investment plan keeping in mind the investment objectives.
For this you need to bare your 'financial' soul and tell him exactly what you want to achieve, the time frame over which you want to achieve the investment objective, the amount of money you want to invest in equities (this is important because equities can give a push to your savings, but also carry higher risk).
If you find this a little too detailed and even unnecessary, remember it's important for the consultant to know this so that he can prepare a well-defined investment plan. It's a bit like telling your doctor everything so that he can prescribe the right medicine.
Step 4: Executing the investing plan
To put it plainly, the fundamentals of investing are no different for men or women; so you have to plan your investments, execute the investment plan and track it regularly. If this sounds a little complicated, don't worry, we have simplified the process for you.
Step 1: Define your objectives
The most important thing to do while you sit down to plan your finances is ask yourself why you want to invest. For a married woman with children, the answer could be the child's education or marriage.
For a woman whose children are already married, the desire to invest could stem from a dream to set up a small boutique, for instance. For a woman who is yet to get married, it could be for her marriage. So you could have a variety of objectives; when you get down to penning them down you will notice that the list is a lot longer than what you had bargained for.
When we began compiling a list of likely objectives for women we came up with some interesting options:
Saving for your own marriage 5 years from today.
Saving for your child's education 15 years from today.
Saving for your child's marriage 20 years from today.
Saving for a small business that you want to set up at a later date
Saving for an overseas trip, maybe even a pilgrimage 5 years from today.
Saving for a gift for your spouse or parents
Saving for your retirement 30 years from today.
This seemingly long list could be even longer when you take into consideration objectives that are peculiar to you.
Once you have the investment objectives in place, the next step is to prepare an investment plan to achieve those objectives. This may sound daunting, but it isn't, when you consider that it's your investment consultant who has to draw up the investment plan and your role is limited to giving him inputs in terms of your investment objective, appetite for equity-linked investments, investment time frame, tax-efficient returns and the like.
Step 2: Identify the investment consultant
Since your investment consultant has such an important role to play in helping you achieve your investment objectives, it is important that you 'connect' with the right consultant. To make your job simpler, we have prepared a checklist to help you select the right investment consultant:
Both insurance and mutual fund consultants need certification before they begin advising clients. Insurance agents must be certified by the IRDA (Insurance Regulatory and Development Authority), while mutual fund agents must be certified by AMFI (Association Mutual Funds in India). The agent must have the certification on his person, so it's relatively simple to affirm whether your consultant is qualified.
An investment consultant should be competent enough to understand your financial objectives and chalk out an investment plan that can best help you achieve them.
It is critical that investment consultants are objective and unbiased in their advice. Being objective means placing the client's interest over your own. The investment consultant should be faithful to the plan that he has prepared for you and his advice must revolve around it.
Value-add investment services is another area that your consultant must treat as priority. Tools and calculators, stock and mutual fund alerts, portfolio tracker, research on mutual fund schemes and life insurance plans are some of the value-added services that investment consultants provide. Of course, there are few consultants who do this, but those are the ones you must identify. Some of these tools are web-based and should appeal to women who are net-savvy.
Even after you have taken the insurance policy or invested in a mutual fund scheme, your relationship with the investment consultant continues. You may need feedback on your investment, account statement, premium cheques to be submitted to the life insurance company, follow-up on dividends on your mutual fund investments and the like. It is the responsibility of the mutual fund agent to provide prompt after-sales service and resolve these issues efficiently.
Step 3: Preparing an investment plan
Once you have identified the investment consultant, you must get down to actually implementing the investment plan keeping in mind the investment objectives.
For this you need to bare your 'financial' soul and tell him exactly what you want to achieve, the time frame over which you want to achieve the investment objective, the amount of money you want to invest in equities (this is important because equities can give a push to your savings, but also carry higher risk).
If you find this a little too detailed and even unnecessary, remember it's important for the consultant to know this so that he can prepare a well-defined investment plan. It's a bit like telling your doctor everything so that he can prescribe the right medicine.
Step 4: Executing the investing plan
After preparing the investment plan, your investment consultant will help you execute it. This involves, for instance, taking the child insurance plan for your child's education/marriage, or the diversified equity fund to build a corpus to buy property after 10 years.
All the investments and insurance options that have been outlined in your investment plan have to be bought. Of course your consultant will help you with it, but it pays to be personally involved up to a level.
For instance, to the extent possible fill the application forms yourself so you learn about the relevant details. While filling the insurance application form, you have to give a true and fair picture of your medical history, accurate information on your weight and height and other details of this nature.
Giving inaccurate information on these points could lead to rejection of claim at a later date. Your investment consultant is unlikely to know these details better than you, so personal involvement is necessary. Likewise, appointing a nominee is common across mutual funds and life insurance, so ensure you have those details correctly filled in.
Step 5: Review the investment plan
Setting the investment plan in action is an important step towards achieving your financial goals. But to ensure you stay the course, a regular review of the investment plan is necessary. Of course, this will also be done under the guidance of your investment consultant.
There could be several reasons why your investment plan may need to be adjusted from time to time. One instance is when stock markets change course over a period of time and they disturb your asset allocation. So you may have to redeem some of your equity investments or buy more of them depending on how much risk you are willing to take.
As you approach the milestone (child's medical admission or marriage), you need to get out of equity investments since equities are risky in the short-term.
That money should be invested into short-term debt, which is relatively safe. Again, all this may sound very complicated, but your investment consultant is the one who will keep his eye on such events and will make necessary adjustments to your investment plan. On your part it helps to be informed since it's your money on the line.
Step 6: Redeem your investments
As the event you have been saving for, is upon you, you need to redeem your investments. With a mutual fund investment this involves signing on the redemption slip and having your consultant submit the same to the mutual fund. In case of a life insurance policy that you have taken, it involves having your consultant submit the policy documents to the life insurer and follow up for the maturity proceeds.
Then you will need to sit down with your consultant and understand the taxation issues involved with the redemption of your investments.
As you can see, setting financial goals, outlining an investment plan, executing it, reviewing it, is not really a difficult task. It may be time consuming but it's certainly not difficult. With a systematic and disciplined approach to investing and by identifying the right investment consultant, financial nirvana could be closer than you think.
Visite
http://groups-beta.google.com/group/Megadiscover
