HeartSpeaks Save the Indian Rupee our Economy
YOU CAN MAKE A HUGE DIFFERENCE TO THE INDIAN ECONOMY BY FOLLOWING FEW SIMPLE STEPS:- Please spare a couple of minutes here for the sake of India. I got this article from one of my friends, but it's true. I can see this in day to day life. Here's a small example:- Before 12 months 1 US $ = IND Rs 39 After 12 months, now 1 $ = IND Rs 50 Do you think US Economy is booming? No, but Indian Economy is Going Down. Our economy is in your hands INDIAN economy is in a crisis. Our country like many other ASIAN countries, is undergoing a severe economic crunch. Many INDIAN industries are closing down. The INDIAN economy is in a crisis and if we do not take proper steps to control those, we will be in a critical situation. More than 30,000 crore rupees of foreign exchange are being siphoned out of our country on products such as cosmetics, snacks, tea, beverages, etc... which are grown, produced and consumed here. A cold drink that costs only 70 / 80 paisa to produce, is sold for Rs.9 and a major chunk of profits from these are sent abroad. This is a serious drain on INDIAN economy. We have nothing against Multinational companies, but to protect our own interests we request everybody to use INDIAN products only atleast for the next two years. With the rise in petrol prices, if we do not do this, the Rupee will devalue further and we will end up paying much more for the same products in the near future. What you can do about it? 1. Buy only products manufactured by WHOLLY INDIAN COMPANIES. 2. ENROLL as many people as possible for this cause. Each individual should become a leader for this awareness. This is the only way to save our country from severe economic crisis. You don't need to give-up your lifestyle. You just need to choose an alternate product. All categories of products are available from WHOLLY INDIAN COMPANIES. LIST OF PRODUCTS COLD DRINKS:- DRINK LEMON JUICE, FRESH FRUIT JUICES, CHILLED LASSI (SWEET OR SOUR), BUTTER MILK, COCONUT WATER, JAL JEERA, ENERJEE, and MASALA MILK... INSTEAD OF COCA COLA, PEPSI, LIMCA, MIRINDA, SPRITE BATHING SOAP:- USE CINTHOL OTHER GODREJ BRANDS, SANTOOR, WIPRO SHIKAKAI, MYSORE SANDAL, MARGO, NEEM, EVITA, MEDIMIX, GANGA , NIRMA BATH CHANDRIKA INSTEAD OF LUX, LIFEBUOY, REXONA, LIRIL, DOVE, PEARS, HAMAM, LESANCY, CAMAY, PALMOLIVE TOOTH PASTE:- USE NEEM, BABOOL, PROMISE, VICO VAJRADANTI, PRUDENT, DABUR RED OTHER DABUR PRODUCTS, MISWAK INSTEAD OF COLGATE, CLOSE UP, PEPSODENT, CIBACA, FORHANS, MENTADENT. TOOTH BRUSH: - USE PRUDENT, AJANTA , PROMISE INSTEAD OF COLGATE, CLOSE UP, PEPSODENT, FORHANS, ORAL-B SHAVING CREAM:- USE GODREJ, EMAMI INSTEAD OF PALMOLIVE, OLD SPICE, GILLETE BLADE:- USE SUPERMAX, TOPAZ, LAZER, ASHOKA INSTEAD OF SEVEN-O -CLOCK, 365, GILLETTE TALCUM POWDER:- USE SANTOOR, GOKUL, CINTHOL, WIPRO BABY POWDER, BOROPLUS INSTEAD OF PONDS, OLD SPICE, JOHNSON'S BABY POWDER, SHOWER TO SHOWER MILK POWDER:- USE INDIANA, AMUL, AMULYA INSTEAD OF ANIKSPRAY, MILKANA, EVERYDAY MILK, MILKMAID. SHAMPOO:- USE LAKME, NIRMA, VELVETTE INSTEAD OF HALO, ALL CLEAR, NYLE, SUNSILK, HEAD AND SHOULDERS, PANTENE MOBILE CONNECTIONS:- USE BSNL, AIRTEL INSTEAD OF HUTCH Food Items:- Eat Vada Pav, Idli, Dosa, Puri, Uppuma INSTEAD OF KFC, MACDONALD'S, PIZZA HUT, AW Every INDIAN product you buy makes a big difference. It saves INDIA. Let us take a firm decision today. BUY INDIAN TO BE INDIAN - We are not against of foreign products. WE ARE NOT ANTI-MULTINATIONAL. WE ARE TRYING TO SAVE OUR NATION. EVERY DAY IS A STRUGGLE FOR A REAL FREEDOM. WE ACHIEVED OUR INDEPENDENCE AFTER LOSING MANY LIVES. THEY DIED PAINFULLY TO ENSURE THAT WE LIVE PEACEFULLY. THE CURRENT TREND IS VERY THREATENING. MULTINATIONALS CALL IT GLOBALIZATION OF INDIAN ECONOMY. FOR INDIANS LIKE YOU AND ME, IT IS RE-COLONIZATION OF INDIA. THE COLONIST'S LEFT INDIA THEN. BUT THIS TIME, THEY WILL MAKE SURE THEY DON'T MAKE ANY MISTAKES. WHO WOULD LIKE TO LET A GOOSE THAT LAYS GOLDEN EGGS SLIP AWAY? PLEASE REMEMBER: POLITICAL FREEDOM IS USELESS WITHOUT ECONOMIC INDEPENDENCE RUSSIA, S.KOREA, MEXICO - THE LIST IS VERY LONG!! LET US LEARN FROM THEIR EXPERIENCE AND FROM OUR HISTORY. LET US DO THE DUTY OF EVERY TRUE INDIAN. FINALLY, IT'S OBVIOUS THAT YOU CAN'T GIVE UP ALL OF THE ITEMS MENTIONED ABOVE. SO GIVE UP AT LEAST ONE ITEM FOR THE SAKE OF OUR COUNTRY! We would be sending useless forwards to our friends daily. Instead, please forward this mail to all your friends to create awareness. LITTLE DROPS MAKE A GREAT OCEAN. PLEASE BE AN INDIAN. -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group,
TAX Benefits U/s 80CCF for investments in Infra Bonds
Hello, Given below are the ongoing Long Term infrastructure bonds for claiming deduction U/s 80CCF of the Income Tax Act: Company Closure Date Lock In Period 10 Years 15 years IFCI 08.02.2012 5 years 9.09% 9.16% REC 10.02.2012 5 years 8.95% 9.15% IDFC 25.02.2012 5 years 8.70% NA LT 11.02.2012 5 years 8.70% NA SREI 06.03.2012 5 years 8.90% 9.15% Yellow shade denotes closure dated extended. With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Good information on - WHY DO SENIOR CITIZENS FALL?
Useful reinforcements! Nice article. Well presented, in a nut-shell, even though many of the reasons and facts are well known to us. Please pass it on..it may avoid a fall! And that would certainly be worth it! -- http://www.island.lk/index.php?page_cat=article-detailspage=article-detailscode_title=37856 Elder Health-Why do they fall? By Dr.Achala Balasuriya MD Consultant Physician (Special Interest- Elderly Care medicine) Falls among elders is a common cause of morbidity , hospitalization , disability and death. Nearly a third of the elderly have falls that trigger a chain of events that usually have them succumb to the situation or leave them bed-ridden till the end comes. With age, the ability of the body to heal itself reduces considerably and the immunity drops. The muscles and ligaments tend to get more lax with bones becoming more brittle and porous. Under these circumstances, even a trivial looking fall may prove fatal. Common causes of falls Reduced muscle strength, coordination and reflexes Poor sensation in the lower extremities due to diabetes or degenerative conditions Poor balance due to neurological diseases, hypothyroidism or ear problems Poor vision Postural drop in blood pressure Seizure disorders Strokes, transient ischemic attacks Abnormalities of cardiac rhythm Multiple medication use Environmental hazards eg poor lightning ,carpets, rugs, clutter etc Osteoporosis Osteoporosis is a one major risk factor for falls. What is debatable is whether brittle bones break after a fall, or break when stressed and in turn cause a fall. In either event, a decrease in bone density contributes to falls and resultant injuries Osteoporosis is a condition wherein bones become more porous, less resistant to stress, and more prone to fractures. Caused by hormonal changes, calcium and vitamin D deficiency, and a decrease in physical activity, osteoporosis is a chief cause of fractures in older adults, especially among women. Prevention Tips Eat or drink sufficient calcium. Postmenopausal women need 1,500 mg of calcium daily. Calcium-rich foods include milk, yoghurt, cheese, fish and shellfish, selected vegetables such as broccoli, soybeans, tofu and almonds. Get sufficient Vitamin D in order to enhance the absorption of calcium into the bloodstream. Vitamin D is formed naturally in the body after exposure to sunlight, but some older adults may need a supplement. Regularly do weight-bearing exercise. Lack of Physical Activity Failure to exercise regularly results in poor muscle tone, decreased strength, and loss of bone mass and flexibility. All contribute to falls and the severity of injury due to falls. Prevention Tips Engage regularly (e.g., every other day for about 15 minutes daily) in exercise designed to increase muscle and bone strength, and to improve balance and flexibility. Undertake daily activities in a safe manner, such as reaching and bending properly, taking time to recover balance when rising from a chair or bed, learning the proper way to fall, and learning how to recover after a fall. Wear proper fitting, supportive shoes with low heels or rubber soles. Impaired Vision Age-related vision diseases can increase the risk of falling. Cataracts and glaucoma alter older people's depth perception, visual acuity, peripheral vision and susceptibility to glare. These limitations hinder their ability to safely negotiate their environment, whether it be in their own home or in a shopping mall. Young people use visual cues to perceive an imminent fall and take corrective action. Older adults with visual impairments do not have this advantage to the same extent. Prevention Tips Have regular checkups by an ophthalmologist to discern the extent of age-related eye diseases such as cataracts and glaucoma, macular degeneration etc. Use colour and contrast to define balance-aiding objects in the home (e.g., grab bars and handrails).Add contrasting colour strips to first and last steps to identify change of level. Clean eye glasses often to improve visibility. Medications People taking multiple medications are at greater risk of falling Sedatives, anti-depressants, and anti-psychotic drugs can contribute to falls by reducing mental alertness, worsening balance and gait, and causing drops in systolic blood pressure while standing. Prevention Tips Know the common side effects of all medications taken. Talk with your physician or pharmacist about ways to reduce your chances of falling by using the lowest effective dosage, regularly assessing the need for continued medication, and the need for walking aids while taking medications that affect balance. Remove all out-of-date medications and those no longer in use. Limit intake of alcohol as it may interact with medication Environmental Hazards At least one-third of all falls in the elderly involve environmental hazards in the home. The most common hazard
Dividend declaration in Franklin Templeton Schemes
Dividend Announcement Dear Associate, We are declaring dividend in Franklin India Bluechip Fund (FIBCF) and FT India Dynamic PE Ratio Fund of Funds (FTDPEF). All Investors registered in the dividend plans of the respective funds as on January 27, 2012 will receive the dividend The dividend details are given below: Name of the fund Amount of Dividend Per Unit (Rs.) Face Value per unit (Rs.) Record Date FIBCF FTDPEF# 3.00 0.50 10 10 Jan 27, 2012 Jan 27, 2012 # Inclusive of statutory levy Pursuant to payment of dividend, the NAV of the funds would fall to the extent of payout and statutory levy, as applicable. Under the dividend reinvestment plans, the dividend declared will be reinvested at the NAV of January 30, 2012 and unit holders will be allotted additional units for the dividend amount With Regards Franklin Templeton Team www.franklintempletonindia.com Copyright © 1999-2009, Franklin Templeton Investments, All rights reserved. With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds fo f -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
TAX FREE BONDS - IRFC and HUDCO
IRFC TAX FREE BONDS Issue Size Rs. 3000 with an option to retain over subscription up to Rs. 6300 Crores Issue Opening Date 27TH January 2012 Rating “AAA” by CRISIL, CARE ICRA Minimum Application Rs.1 in multiples of Rs.5000 Tenure (in years) 10 15 Category I II (QIB, HNI Corp) 8.00% p.a 8.10% p.a Category III- For Retail Investors 8.15% p.a 8.30% p.a Face Value of Bond Rs. 1000 Listing Proposed to be listed both in NSE BSE Interest on application 8% p.a Interest on refund 4% p.a Interest Payment Date October 15th every year Trustee Indian Bank Issuance Demat as well as physical NOTE: The differential rate for Retail Investors shall be applicable only to the 1st allottee. In the event of Sale/Transfer by the original allottee of a retail bond, the subsequent allotee will get the rates of the other Investor category. Issue Structure For QIB/Corporates: 45% of the issue size is reserved For Individual, NRI and HUF applying for more than Rs 5 lakhs: 25% of the issue is reserved For Individual, NRI and HUF applying for less than Rs 5 lakhs: 30% of the issue is reserved HUDCO – Public issue of Tax Free Secured Redeemable NCD Issue Size Rs.2000 with an option to retain over subscription upto Rs.4684.72 Issue Opening Date 27TH January 2012 Issue Closing Date 6TH February 2012 Rating AA + by CARE Fitch (Ind) Minimum Application Rs. 1 in multiples of Rs.1000 Tenure (in Years) 10 15 Category I II (QIB, HNI Corp) 8.10% p.a 8.20% p.a Category III – For Retail Investors 8.22 p.a 8.35% p.a Face Value of Bond 1000 Listing Proposed to be listed both in NSE BSE Interest Payment Payable Annually Only Trustee SBI Capital Trustee Company ltd Issuance Demat as well as physical NOTE: The differential rate for Retail Investors shall be applicable only to the 1ST allottee. In the event of Sale/Transfer by the original allottee of retail bond the subsequent allottee will get the rates of the other Investor’s category. Issue Structure For QIB/Corporates: 45% of the issue size is reserved For Individual, NRI and HUF applying for more than Rs 5 lakhs: 25% of the issue is reserved For Individual, NRI and HUF applying for less than Rs 5 lakhs: 30% of the issue is reserved For Forms or queries on the above do let me know. PLEASE READ THE OFFER DOCUMENTS FOR RISK FACTORS BEFORE INVESTING. With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Daughter's dedication to Dad
14th of October, 2011. Grand Finale of Pantaloons Femina Miss India (UP) Moments to go before the 5 finalists are called out. When the 5 names were announced, they breathed a sigh of relief but it was now time for the deciding question. One by one the esteemed judges put forward their tricky questions. In between all these questions and answers, there was one that won a thousand hearts that evening. If it were the last day of your life, who would you spend it with, and why?䠯 one of the judges posed the question to Contestant No. 4. Contestant No.4: few moments of thought and then came the answer: Father has a prime role to play in the life of his daughter. He is the first male that a girl comes across and hence, becomes the role model of her life. She sees the reflection of men in the rest of the world, through her dad and often perceives that all men should be like her father. Right from her childhood to adolescence to adulthood, he plays an influential role in her life. He is the guide, the saviour, the protector, a friend and most importantly, the ultimate caretaker, who nourishes her in the loving and protective atmosphere set by him. I have seen my daddy assuming multi-faceted role, which keeps changing with the changing phases of my life. I would like to dedicate the last day of my life to my Father, and those 24 hours I would want to spend in his company.⼯ What followed was a thundering applause. The Emcee was amazed with the answer and the applause that followed. Is your lucky father around.⠡ asked the Emcee. Yes, he is very much there⠃contestant No 4 replied, Emcee requested the lucky father to please stand up wherever he was. The proud father stood up and waved his hand. Thousands of eyes turned towards him, cameras and flashlights moved towards the proud father. And there was another round of great applause for him. He was touched. He was emotional. He folded his hands and thanked the crowd for the applause. There were tears in his eyes. He had received the greatest gift of his life from his daughter. This is a true story of love, affection and dedication of a Daughter towards her Dad demonstrated at MB Club, Lucknow. You may forward this to those who regard the emotional bond of a Daughter and a Dad. -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Good Morning : Anger
Good Morning Buddha and the Abuse One day Buddha was walking through a village. A very angry and rude young man came up and began insulting him. You have no right teaching others, he shouted. You are as stupid as everyone else. You are nothing but a fake. Buddha was not upset by these insults. Instead he asked the young man Tell me, if you buy a gift for someone, and that person does not take it, to whom does the gift belong? The man was surprised to be asked such a strange question and answered, It would belong to me, because I bought the gift. The Buddha smiled and said, That is correct. And it is exactly the same with your anger. If you become angry with me and I do not get insulted, then the anger falls back on you. You are then the only one who becomes unhappy, not me. All you have done is hurt yourself. If you want to stop hurting yourself, you must get rid of your anger and become loving instead. When you hate others, you yourself become unhappy. But when you love others, everyone is happy. Now these are the lessons: If you are right then there is no need to get angry!!! And if you are wrong then you don't have any right to get angry!! Patience with family is love, Patience with others is respect, Patience with self is confidence and Patience with GOD is faith. Never Think Hard about the PAST, It brings Tears... Don't Think more about FUTURE, It brings Fears... Live this Moment with a Smile, Have a Smiling Day f -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
How our Parliamentarians need to be treated!!.......
f Winds of Change _*Reform Act of 2011*_ 1. No Tenure / No Pension. Parliamentarians collect a salary while in office but should not receive any pay when they're out of office. 2. Parliamentarians should purchase their own retirement plans, just as all Indians do. 3. Parliamentarians should no longer vote themselves a pay raise. Their pay should be linked to the CPI or 3%, whichever is lower. 4. Parliamentarians should lose their current health care system and participate in the same health care system as the Indian people. 5. Parliamentarians should equally abide by all laws they impose on the Indian people. 6. All contracts with past and present Parliamentarians should be void effective 1/1/12. The Indian people did not make this contract with them. Parliamentarians made all these contracts for themselves. Serving in Parliament is an honor, not a career. The Founding Fathers envisioned citizen legislators, so ours should serve their term(s), then go home and back to work. If each person contacts a minimum of twenty people then it will only take three days for most people (in India) to receive the message. Don't you think it's time? THIS IS HOW YOU FIX Parliamentarians ! If you agree with the above, pass it on. If not, just delete. You are one of my 20+ - Please keep it going, and thanks. -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
IFCI LT Infra Bonds - Series IV : U/s 80CCF ( Arranger : Almondz)30-Nov to 16-Jan-12
IFCI Long Term Infra Bonds U/s 80CCF - Series IV ( Open : 30 Nov-11 to 16-Jan-12 ) Dear ALL, We are pleased to inform you that we are arranger for IFCI Long Term Infra Bonds - Series IV U/s 80 CCF, which opened on 30-Nov-11 at a very attractive Coupon Rate 9.09% 9.16% p.a. Highlights of this issue : ( Open : 30-Nov-11 to 16-Jan-12 ) 1.. Interest Rates : Annual and Cumulative options 1.. For 10 years : 9.09% p.a. (Buyback after 5 7 years ) 2.. For 15 years : 9.16% p.a. (Buyback after 5 10 years ) 2.. Min. Appl. : Rs. 5000/- ( 1 bond ) 3.. This is a private placement issue, aggregating Rs. 100/- Cr with a green-shoe option with retain over-subscription. 4.. Benefit U/s 80CCF is limited upto Rs. 2/- in a F.Y. but there is no upper limit on investment. 5.. Bonds are available in 1.. Demat ( Mention demat no PAN No. ) 2.. Physical Form ( attach : Self attested copy of PAN Card, Address Proof one cancelled cheque ), 6.. Min. Application Amt. is Rs. 5000/- i.e 1 Bond, 7.. Option Tenor : Annual and Cumulative options with 10 15 years and buy-back after 5,7 10 Years, 8.. Don't wait till last date, as interest on application money will be paid as per bonds applied from data of cheque realization, 9.. Only Resident Individual and HUF can apply, 10.. Deemed Date of Allotment : 15-Feb-2012 11.. Registrar : Karvy Computershare Pvt. Ltd. With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Do You Know Ur Value....???
Do You Know Ur Value??? A well-known speaker started off his seminar by holding up a Rupee 500 note. In the room of 200, he asked, Who would like this Rupee 500 note? Hands started going up. He said, I am going to give this note to one of you but first let me do this. He proceeded to crumple the note up. He then asked, Who still wants it?Still the hands were up in the air. Well, he replied, What if I do this? And he dropped it on the ground and started to grind it into the floor with his shoe. He picked it up, now all crumpled and dirty. Now who still wants it? Still the hands went into the air. My friends, you have all learned a very valuable lesson. No matter what I did to the money, you still wanted it because it did not decrease in value. It was still worth Rupee 500/-.. Many times in our lives, we are dropped, crumpled, and ground into the dirt by the decisions we make and the circumstances that come our way. We feel as though we are worthless. But no matter what has happened or what will happen, you will never lose your value.You are special. Don't ever forget it! Never let yesterday's disappointments overshadow tomorrow's dreams. VALUE HAS A VALUE ONLY IF ITS VALUE IS VALUED Never Believe with the lines of your hand predict about your future,because people who don't have hands also have a future. Believe in yourself -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Don't Give Up on SIPs, Morningstar analyst
With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en. Don't Give Up on SIPs.pdf Description: Adobe PDF document
Icici Prudential Debt / Hybrid Fund ready reckoner Dec 2011
With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en. Debt Fund Ready Recknoer - Investor.pdf Description: Adobe PDF document
How to draw simple lord ganesh pictures.............
simple.yet brilliant artistic work..do try to copy .. OM SRI GANESAAYA NAMAH !!! Whichever the alphabet or integer in any language, it gets translated to the image of Lord Ganesha. Very brilliant drawings. Its just a 4.5minutes video, which enthralls. http://www.youtube.com/watch?v=UGy2TFmS95c == __._,_.___ -- -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
this amazing site.....destination anywhere in the World Map..
REALLY VERY VERY USEFUL AND INFORMATIVESAVE IT! .. Hello, Another Share for TODAY. Subject: isit this amazing site.destination anywhere in the World Map.. ROUTE MAPS TO ANY DESTINATION IN THE WORLD VISIT THIS AMAZING SITE : WWW.rome2rio.com To find out route with map, to travel to any destination In the world by Air (Local international),by Bus / Car Train Local. You can choose which vehicle to take by clicking menu on left of map. You can also obtain airfares for the routes. Enter the starting and destination point and click. Very useful !!! -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en. 01BB48~1.GIF010104ok.gif
NRI INFORMATION
NRI INFORMATION COPY AND PASTE OR CLICK http://nriinformation.com/questions_index.htm __._,_.___ With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
MIRACLES OF GROWING S.I.P.
Dear Friends Every common man in India wants o be a crorepati. How a Systematic Investment Plan (SIP) in Mutual Funds equity scheme can fulfill the dream of every common man. Illustration : Mr. Sunit is a 25yrs old married man. He works as a junior assistant in a private firm in Mumbai. His salary is Rs.15000/-per month. Although he could not save much but always dreams of becoming a crorepati. If u think that he is day dreaming and cannot fulfill his dream then you are certainly wrong. Let's find out that how he can use Systematic Investment Plan (SIP) to fulfill his dream. Sunit will opt for Yearly Growing SIP. WHAT IS GROWING SIP ? Growing SIP means the investor will increase the monthly SIP amount by a certain percentage every year. For example : If the initial SIP Amount is Rs.1000/- per month grows 20% every year, that means : 1st Year the SIP amount is Rs.1000/- per month 2nd Year the SIP amount is Rs.1200/- per month 3rd Year the SIP amount is Rs.1440/- and continues this way every year... WHY SUNIT IS OPTING FOR GROWING SIP ? Sunit has a very long term planning of creating wealth. He knows that the way inflation is growing; a Rs.1000/- SIP amount will have hardly any value after 10 or 15 years later. As he is expecting growth in his salary with time, therefore he is opting for a Growing Yearly SIP. Sunit - Age 25 Years Wants Rs.10,000,000/- in 25 Years When he will attain the age of 50 Years Annual % increase is investible amount : 20% Sunit Expectations of returns 12% RESULT : Sunit will need to start an SIP of Rs.759/- per month NON GROWING SIP (FIXED YEARLY SIP) : Non Growing SIP is a normal SIP where monthly SIP amount remains fixed for the entire term of the investment. Expected Number of Years of SIP Returns (%) 5 10 15 20 25 30 10 129,58149,63824,89913,8128,044 4,809 12 123,29944,63621,01110,8715,875 3,246 15 114,49238,02016,224 7,5353,628 1,776 20 101,31329,04410,466 4,0381,597 638 SUMMARY : To get Rs.1crore in 25years Mr. Sunit will require to start a monthly SIP of Rs.759/- only and will have to increase the same by 20% every year i.e. he will start a monthly SIP of Rs.759/- in the 1st year, monthly SIP of Rs.910/- in the 2nd Year and so on (with assumed market return of 12%) If Mr.Sunit wants to invest a fixed SIP amount for the entire tenure (Non Growing SIP) then to get 1crore in 25 years he will need to do monthly SIP of Rs.5875/- for 25 years (with assumed market return of 12%) OR Rs.3628/- (with assumed market return of 15%) With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
IT IS ALWAYS DARKEST BEFORE DAWN - A NOTE BY PRASHANT JAIN - AUGUST '11
With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en. Equity Commentary- August 2011.pdf Description: Adobe PDF document
TRANSMISSION OF MUTUAL FUND UNITS
Dear Friends Investment in a mutual fund can be made in a single name or in a joint mode with three people. The mode of holding can be anyone / survivor or joint. In case of the demise of one of the unit holders, the following situations may arise. Here is how you can tackle them : DEMISE OF FIRST UNIT HOLDER : In case of the demise of the first holder, units will be transferred to the second holder for which the following documents are to be submitted : a) Letter from the surviving unit holders intimating the death of the first holder b) Copy of death certificate of the first holder duly certified in original by a bankers / AMC c) Adress, bank details, PAN KYC of second holder DEMISE OF JOINT HOLDER : In the case of a demise of one of the joint holders (other than the first) the following will happen. Units will continue to remain in the name of the first unit holder. The first unit holder has the option to register any other person as a joint holder for which the following documents are required to be submitted : a) Letter from the surviving unit holders intimating the death of the joint holder b) Copy of the death certificate of the joint holder duly certified in original by bankers / AMC c) Name, PAN, KYC signature of the second holder in case a new holder is to be registered. With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Digital World Map
Digital World Map Click this Link,, http://www.ibge.gov.br/paisesat/main.php --- __._,_.___ __,_._,___ -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Dividend in BSL Dividend Yield Plus,Rs 0.60 per unit Record date 17 june,2011
With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en. Record date - Dividend Yield Plus.pdf Description: Adobe PDF document
don't ignore ..... Must Read
DISCLAIMER: I DON'T ENDORSE ANY POLITICAL PARTY. NOR DO I ENDORSE ANY OF WHAT MAYAWATI IS DOING. WAS JUST TAKEN ABACK BY RAHUL GANDHI'S HYPOCRITICAL COMMENT AT THE RECENT FARMER AGITATION IN UTTAR PRADESH. Rahul Gandhi: I feel ashamed to call myself an INDIAN after seeing what has happened here in UP. PLEASE DON'T BE ASHAMED OF U.P. YET Please don't be ashamed of Uttar Pradesh yet. Congress ruled the State for the Majority of the duration Pre Independence to Post Independence.. from 1939 to 1989 ( barring the Periods of Emergency.. Thanks to your Grand Mom Indira G. and a couple of transitional Governments) 8 out of the total 14 Prime Ministers of India have been from UP, 6 out of those 8 have been from Congress... I think your party had more than half a century and half a Dozen PM's to build a State... The Reason Mulayam Singh, subsequently came to Power is because your party wasn't exactly Gandhian in their dealings in the State.. So May be If you look at in totality the present chaos in UP is the outcome of the glorious leadership displayed by Congress in UP for about 50 years! So Please don't feel ashamed as yet Dear Rahul.. For Mayawati is only using the Land Acquisition Bill which your party had itself used to LOOT the Farmers many times in the Past! WHY DIDN'T YOUR PARTY CHANGE THE BILL WHEN IT WAS IN POWER FOR SO LONG? Not that I Endorse what Mayawati is doing.. What Mayawati is doing is Unacceptable.. But the past actions of your party and your recent comments, puts a question mark on your INTENT and CONSISTENCY. YOU REALLY WANT TO FEEL ASHAMED But don't be disappointed, I would give you ample reasons to feel ashamed... You really want to feel Ashamed..? First Ask Pranab Mukherjee, Why isn't he giving the details of the account holders in the Swiss Banks. Ask your Mother, Who is impeding the Investigation against Hasan Ali? Ask her, Who got 60% Kickbacks in the 2G Scam ? Kalamdi is accused of a Few hundred Crores, Who Pocketed the Rest in the Common Wealth Games? Ask Praful Patel what he did to the Indian Airlines? Why did Air India let go of the Profitable Routes? Ask Manmohan Singh. Why/What kept him quiet for so long? Who let the BHOPAL GAS TRAGEDY Accused go Scot Free? ( 20,000 People died in that Tragedy) Who ordered the State Sponsored Massacre of SIKHS in 84? Please read more about, How Indira Gandhi pushed the Nation Under Emergency in 1975 - 1977, after the HC declared her election to Lok Sabha Void! (I bet She had utmost respect for DEMOCRACY and JUDICIARY and FREE PRESS) I guess you know the answers already. So My question is, Why the Double Standards in Judging Mayawati and members of your Family and Party? I condemn Mayawati. But Is She the only one you feel Ashamed for? What about the ones close to you? For their contribution to the Nation's Misery is beyond comparison. You talk about the Land being taken away from the Farmers. How many Suicides have happened under your Parties Rule in Vidarbha ? Does that Not Ashame You ? THE 72,000 CRORE LOAN WAIVER Your Party gave those Farmers a 72,000 Crore Loan Waiver. Which didn't even reach the Farmers by the way. So, Why don't you focus on implementing the policies which your govt. has undertaken, instead of earning brownie points by trying to manufacture consent by bombarding us with pictures of having food
Icici Prudential Sip Returns
1 year 2 year 3 yr 5 yr Scheme Current NAV Present Value Yield %age Present Value Yield %age Present Value Yield %age Present Value Yield %age ICICI Prudential Discovery Fund - Growth 49 61,435 3.8 157,843 26.5 300,690 34.4 515,478 21.1 ICICI Prudential Dynamic Plan - Growth 107 62,560 6.9 148,691 20.4 258,076 23.5 457,982 16.4 ICICI Prudential Focused Bluechip Equity Fund - Ret - Growth 16 62,488 6.7 147,689 19.7 Data as on 31st March 2011 Installment value @ Rs 5000 Mutual fund are subject to market Risk . please read offer documents before investing fo -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
DO THE MOHINI ACT TO BEAT THE BHASMASURA OF INFLATION
Dear Friends In Hindu mythology, Bhasmasura was demon who, after praying to Lord Shiva received a boon that anyone whose head he touched with his hand would immediately turn into ashes (bhasma). Shiva granted this request, but Bhasmasura, the ungrateful demon that he was attempted to touch the head of Shiva with his hand. Shiva fled and somehow managed to reach Lord Vishny for help. Lord Vishnu took up the disguise of Mohini, beautiful dancer, and appeared in front of Bhasmasura. Mohini was so exceedingly beautiful that Bhasmasura immediately fell in love with her. Bhasmasura asked Mohini to marry him. She told him that she was very fond of dancing, and would marry him only if he could match her moves identically. Bhasmasura agreed and they started dancing. Bhasmasura matched the disguised VIshnu's move for move. Smartly then, Mohini struck a pose where her hand was placed on top of her own head. As Bhasmasura imitated her, he was tricked into touching his own head and immediately turned into ashes. So, how is a mythological story connected to a common man like you and me? Think about Bhasmasura as the equally deadly, money burning inflation. Like Shiva who granted the boon to Bhasmasura, who gives inflation the power to rise? You and me! Inflation is the result of more money choosing fewer goods leading to a demand and supply disparity. All of us, with our new age salaries are spending more than ever, leading to a rise in prices and thus a rise in inflation. This inflation eats away our purchasing power. So, all that you can buy for Rs.10,000/- today will cost more tomorrow. Inflation eats away a major part of returns that your investment generates. So if your Fixed Deposits (FD) gives a return of 8% and the rate of inflation is 8% you are actually earning nothing on your investment. Then, how can we defeat this Bhasmasura named Inflation? Shiva turned to Vishnu for help, whom we do we turn to for safety? Vishnu is our case in equity/stocks of the same companies that make these goods that we are buying. Let us see how, Say, you love the soaps manufactured by a particular company and so does everyone else you know. The more people buy that soap, the higher the profits for that company. These profits the company shares in the form of dividend. By buying even a single share of the company, you can take home a part of this profit. Look at a bank, if it is offering good rates for lending and deposits and more and more people are flocking to it, chances are that it might generate handsome profits. Buying shares of this bank will ensure a share in profits for you by means of dividend. Inflation currently stands at around 8% (March 2011 inflation forecast as per RBI is 8%) whereas equities have typically given 18-20% returns in the long term. Even if you take inflation at 6%, 20 years from now something that cost Rs.10,000/- today will cost Rs.32,071/-. If you invest the same Rs.10,000/- in a fixed deposit at 8% 20 years from now it will be Rs.46,610/-. Wait, before you run to the bank, just hold on for a minute while we deduct taxes from those returns. If you fall in the highest tax bracket of 30%, the figure of Rs.46.610/- shrinks to Rs.29,736/- less than what inflation did to prices. So while you thought you will beat inflation, in reality you loose your capital. Now, if you choose to invest this Rs.10,000/- in equities today, 20 years from now that money could turn to Rs.1.63 lakh, even at a conservative 15% return. Very few investment options have the capacity to generate such inflation crushing returns. And this is the Mohini avtar that will help you kill the Bhasmasura of Inflation Courtesy :- The Ecomonic Times With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Tues 26 Apr, 5.30: Invitation to RTI Union against Builder Mafia Land Sharks
Dear friends, To protect facilitate citizens fighting illegal development redevelopment, encroachment etc. we are working to form a union of activists, aggrieved citizens, lawyers, architects etc. in the Mumbai Metropolitan Region (MMR). We will hold our fifth meeting on this topic on Tuesday, 26th April, at 5.30 pm. You are cordially invited to participate. Venue: 1st floor, Bombay Sarvodaya Mandal, Near Nanachowk. Directions: Alight at Grant Road Railway Station (West) and walk straight through Bhaji Gully towards Tardeo Road. Venue is the first building to your right upon reaching Tardeo Road. IMPORTANT REQUESTS: At the last meeting, many aggrieved citizens narrated their stories, and in the discussions that happened, understood how to take the next steps forward in their battle. If you are fighting for a cause concerning Land Building in Mumbai-Thane-Navi Mumbai region (MMR), please come and share your experiences. 1. Email a brief and clear account of your story before Sunday evening (roughly 3-5 paragraphs). This will give us a rough idea of what you want to share with us. Also, we will be able to circulate it among knowledgeable colleagues and ask for their opinions before coming for the meeting. 2. Come with one or two copies of your story, and also supporting documents. The architects, lawyers, journalists and RTI experts present may prefer to see such documents and understand details before giving their opinion. 3. We request Professionals like Architects – who know the “Andar ki batein” i.e. inside realities -- to come and share their knowledge with all of us. If you have inside knowledge of the workings of Building Industry, Land-grabbing Mafia, MMRDA, CIDCO, MCGM Building Proposal Department, Urban Development Department, Land Revenue Department etc., this is a special invitation to you. Good people must break the conspiracy of silence; it is our continuing silence that is enabling scams and corruption to happen everywhere. Reports of past meetings for forming RTI Union against Builder Mafia Land Sharks: · Fourth Meeting 5th April: http://tinyurl.com/Building-RTI-Union-4th-Mtg · Third Meeting 6th March: http://tinyurl.com/Building-RTI-Union-3rd-Mtg · Second Meeting 12th Feb: http://tinyurl.com/Building-RTI-Union-2nd-Mtg · First meeting held on 3rd Feb Meeting: http://tinyurl.com/Building-RTI-Union-1st-Mtg -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Letter to Mrs. Sonia Gandhi .... A MUST READ FOR ALL INDIANS
It is Very True . We are second to none in this world, but this cancer of corruption has ruined our body, our mind our soul. I am hearing about Enquiry Commission, ACB, JPC, CBI, etc from my childhood age of 8 Years. They are ONLY LIP SERVING AGENCIES JUST TO MEET THE CONVENIENCE OF ALL POLITICAL PARTIES. What is required is Declaring a State of Emergency against All Political Parties and Politicians and taking over the Governance by the People for the People - A CIVIL WAR --- On Wed, 4/13/11, surendranath pai scpa...@yahoo.com wrote: From: surendranath pai scpa...@yahoo.com Subject: Letter to Mrs. Sonia Gandhi A MUST READ FOR ALL INDIANS To: A.B.Kamath abkam...@gmail.com, khshe...@gmail.com, MANOJ PAI mpa...@yahoo.com, rpshe...@dataone.in Received: Wednesday, April 13, 2011, 12:23 PM A MUST READ FOR ALL INDIANS LETTER TO Mrs. Sonia Gandhi, From Typical mouse from Mumbai 7 Apr 2011 Dear Mrs. Sonia Gandhi Hello from typical mouse from Mumbai. After Mumbai attack I had written a letter to Mr. Manmohan Singh, with the hope that at least once in life time he will behave like Sardar who were always in forefront of protecting the nation, but he has turn out to be worse than a mouse. I realize you are the king maker, hence I am addressing this letter to you. Today you requested Mr Anna Hazare to end his fast. For last one month Mr. Hazare had been writing to you and PM, none of you even bothered to reply. Suddenly you realize that every Indian is with him, and that is the reason you decided to request Mr. Anna Hazare to end his fast. Let me ask you few simple questions. Why one of the best presidents that is Dr. Abdul Kalam was removed? Isn’t it because he had objected to your becoming Prime minster? In the disguise of giving gift of woman president you selected Mr. Pratibha Patil, her only qualification is that she used to do dishes for Late Mrs. Indira Gandhi. Royalty to Gandhi family never goes unrewarded. If you were concerned with welfare of Indian people you would have selected person like Ms. Kiran Bedi, but you wanted a perfect rubber stamp just like Dr. Manmohan Singh. Coming back to issue of corruption. Mr. Vilasrao Deshmukh has destroyed Mumbai. In the disguise of giving house to homeless he kept on increasing FSI to help builders, so that all the money can be sent to Delhi Congress can fight election. In last eight year prices of flats has increased three times and now AAM ADAMI cannot even dream of having his own house. Same Vilasrao Deshmukh was fined Rs 10 laks by Supreme Court for helping money lender who was charging poor farmer interest of 10% per month that is 120% per year! Instead of taking action against Mr. Vilasrao Deshmukh he was made rural minister. Funds allotted for rural development is Rs 4 Lakh crore and who could have better person than Mr. Deshmukh to divert the fund to Delhi? More than a year has passed. Since Suresh Kalmadhi ‘s role in CWG scam has been exposed. Till today he is roaming free. How long this drama of CBI interrogations will go on? Then there is Mr. Rane, minister from Maharashtra. Mumbai high court has passed severe stricture against him for snatching land from poorest of poor and giving it to industrial house. Even Mrs. Indira Gandhi who was never known for her honesty did take action against a former chief minister when he was indicted by high court for corruption, but you who advocate zero corruption did not utter a single word and Mr. Rane continues to be honorable minister. There were truck load of corruption charges against Ms. Mayawati, they were dropped when she supported your party during no confidence motion. If you call this helplessness of coalition government, then what about helplessness of a poor person who steals bread for his children, what’s about helplessness of government servant who takes bribe so he can send his children to good school, what’s about helplessness of an officer who cannot afford to buy house in south Mumbai so he indulge in act of corruption? Hasan Ali is highest income tax evader not only in history of India but the whole word. Till today he has not been even charged. He has given name of three chief ministers who has helped him. So far no action is being taken against them. We keep on reading that he as support of senior minister from Maharashtra. Why you are silent on this issue? In 2G scam besides losing huge money, just think of opportunity
LT Mutual Fund among the fastest growing MF's in FY11
WHAT AN END TO FY11! Dear All, It gives me immense pleasure to inform you that all the hard work and effort put by everyone at LT Mutual Fund and by our Associates have yielded results. We have made a good end to FY11. 1.. In the financial year 2010-2011, the Assets Under Management (AUM) of LT Mutual Fund has grown by 58% (yoy in absolute terms), whereas industry AUM was down during the same period by approximately 6% (Source: www.amfiindia.com as on 31st March 2011). 2.. In the financial year 2010-2011, we are the 4th fastest growing mutual fund in percentage terms and 6th largest in terms of absolute increase in average AUM (AAUM) (Source: www.amfiindia.com as on 31st March 2011)out of all Mutual Funds which had an existing AUM in March 2010. AAUM for Jan - Mar 2010 (Rs. in Crores) AAUM for Jan - Mar 2011 (Rs. in Crores) Net Change (Rs. in Crores) Growth 2556 4030 1474 58% 3.. LT Mutual Fund also won its first award last month - LT Monthly Income Plan has been ranked as a Five Star Fund by ICRA at the ICRA Mutual Fund Awards 2011 in the category of 'Open Ended Marginal Equity' schemes for its 3 year performance till December 31, 2010. The rankings have been arrived at after an in-depth analysis of critical parameters, including risk-adjusted performance, portfolio concentration characteristics, corpus size and average maturity. Monthly income is not assured and is subject to distributable surplus. Past performance may or may not be sustained in future and is no guarantee to future results. The growth our of mutual fund is the outcome of the dedication and determination of our employees and associates. It is also a testimony to the faith that our investors have on us. The numbers signify that Expertise, Commitment and Solidity are not just words but also our firm resolve. I would like to thank everyone for having contributed either directly or indirectly to this achievement of LT Mutual Fund. Regards, Sanjay Sinha CEO, LT Mutual Fund Website: www.LNTMF.com • SMS: LNTMF to 567678 • Toll free: 1800 209 6565 . -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
GOOD NEWS : REC Long Term Infrastructure Bonds-- Extension ofClosingDate
Hello, REC - LONG TERM INFRA BOND REC - Infrastructure bond has extended till 31st March, 2011 till closure of banking hours. For application forms can be downloaded from recindia.nic.in In brokers column of the app. form p. write ENAM - code no : 010. Send us photocopy of the application form. Don't miss this opportunity With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Hand Dancing-Italian Style
This is very amusing... phenomenal coordination! Enjoy! Begin forwarded message: Very Different Hand dancing. Turn on your sound. http://dalesdesigns.net/hand-dancing.htm -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
HeartSpeaks German Biker Girls
Fantastic! German Biker Girls http://wimp.com/bicycleskill/ (6:20)! -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Accumulate Gold the MF way : Presenting Reliance GOLD Savings Fund-NFO Feb 14 to Feb 28, 2011
Dear All Reliance Gold Savings Fund -- a modern way of accumulating “Gold” the mutual fund way. INDIA'S FIRST FUND WITH SIP IN GOLD @ RS.100/- P.M. AFFORDABLE | SAFER|CONVENIENT NO DEMAT |NO LOCKER|NO JEWELLER UNITS AT RS.10 NFO Opens On: 14th February, 2011 NFO Closes On: 28th February, 2011 Reliance Gold Savings Fund, is the first fund of fund in the industry which opens a new panorama for investing in gold as an asset class. The fund seeks to provide returns that closely correspond to the returns provided by Reliance Gold Exchange Traded Fund, which in turn invests in physical gold. This fund would enable investors to invest in a commodity which is considered as a safe haven, hedge to inflation and portfolio diversification tool in a convenient way. Some of the key benefits of Reliance Gold Savings Fund are: a.. Ease of Investing - Investors can directly subscribe/ redeem units through the physical mode at the various designated ISCs pan India making it easily accessible and convenient. a.. Liquidity - An investor of Reliance Gold Savings Fund can subscribe and redeem units on all business days directly from the AMC, while purchase and sale of gold ETF units is a factor of liquidity on the exchange. a.. 'Systematic' Investments - This fund enables investments on a systematic basis through SIP STP routes a.. Opens door for non - demat a/c holders: Investors can invest in this fund through the physical mode across the country thereby making it easily available and convenient for non demat a/c holders” For further details please refer to the attached Product Note SID. Please let us know in case of any further information or queries With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
After Tunisia, Egypt time for Revolution in India against Sonia Gandhi her corrupt family ??
Total time is 8min.53sec. Subject: After Tunisia, Egypt time for Revolution in India against Sonia Gandhi her corrupt family ?? http://www.youtube.com/watch?v=C4FXqU8XY0A -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Informative
Waitlisted tickets in Indian Rail are very common and so is the frequent delay in arrivals/departures of trains. Generally it becomes pretty painful to go online/ call up Indian Rail IVRS again and again to find out our latest PNR Status/ Train Timings. Sumeet Sahu (NIT, Surathkal) came up with an innovative idea to get us rid of this pain, something that reverses who queries the above statuses for us. www.mypnrstatus.comwill send you FREE SMS Alerts periodically whenever your PNR status changes or there is a change in your train timing. You just need to key in your PNR number and your mobile number on the website once to avail this facility. -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
KYC mandatory for all Purchase transactions
Dear Sir / Madam, We write this to inform you that with effect from 1st Jan 2011, KYC will be mandatory for all types of Investors irrespective of the amount of investment. Request you to take note of the same and do your KYC well in advance With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Useful Links..!!
..!! Useful Links Title Description File Writing an Employee Recognition Letter Writing an Employee Recognition Letter Download Workplace Conflict Resolution Workplace Conflict Resolution Download Working in Kuwait Working in Kuwait Download Work For Hire and Proprietary Agreement Work For Hire and Proprietary Agreement Download Why employers are taking longer to make hiring decisions Why employers are taking longer to make hiring decisions Download Why Employees Leave Your Company Why Employees Leave Your Company Download When two careers are better than one When two careers are better than one Download Weekly Time Card Weekly Time Card Download Wage theories Wage theories Download Visa Guide Visa Guide Download Visa and Residence permit in Kuwait Visa and Residence permit in Kuwait Download Vacancy Duplication A growing trend Vacancy Duplication A growing trend Download UAE Recruitment Consultancy UAE Recruitment Consultancy Download UAE Hotline Nos UAE Hotline Nos Download The Labour Law for the Private Sectorin Bahrain The Labour Law for the Private Sectorin Bahrain Download The Evaluation of Management Theory The Evaluation of Management Theory Download The Art of Time Management The Art of Time Management Download Tope 60 Day New Employee Survey Tope 60 Day New Employee Survey Download The 12 Worst Absence Excuses Ever The 12 Worst Absence Excuses Ever Download Stress Management Stress Management Download Stress Management Stress Management Download Strategies to attract retain top talent Strategies to attract retain top talent Download Strategic Training Strategic Training Download Strategic Human Resource Management Strategic Human Resource Management Download Steps to Build HR Strategy Steps to Build HR Strategy Download Smart actions for your Appraisal Discussions Smart actions for your Appraisal Discussions Download Six Sigma Reference Tool Six Sigma Reference Tool Download Setting up Dubai Internet City Setting up Dubai Internet City Download Selection Criteria Checklist Selection Criteria Checklist Download Secrets of Life Secrets of Life Download Say your piece Without disturbing the peace Say your piece Without disturbing the peace Download Saudi Labor Law Saudi Labor Law Download SAP HR Overview SAP HR Overview Download Sales Com Work Sales Com Work Download Resume formats Resume formats Download Registers to be maintained in HR department Registers to be maintained in HR department Download Recruitment? Plan Template Recruitment? Plan Template Download Recruitment Sources Recruitment sources Download recruitment flow chart recruitment flow chart Download Recruitment flow chart Recruitment flow chart Download Recruitment Agreement Recruitment Agreement Download Recruitment Agencies Dubai Recruitment Agencies Dubai Download Recruitment Agencies Dubai Recruitment Agencies Dubai Download Recruitment Recruitment Download
Trip to MYSORE PALACE
A free trip to Mysore palace (360 eng view), Don't miss. This is a beutiful presentation of Mysore Palace. Please visit http://www.mysorepalace.tv/360_Eng/index.html http://www.mysorepalace.tv/360_Eng/index.html -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Udupi Sri Krishna Temple - Photos... JUST SUPERB
Worth seeing. Nice photos of Udipi -- cleaning the sanctum and related rituals. http://udupishiroormutt.in/shiroor/?p=4730 Note: Please wait till all photos open. Very nice one to see. -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Notice from Praveen Sood (Additional Commissioner for Traffic,Mumbai) - 022 - 22942276.
Subject: Notice from Praveen Sood (Additional Commissioner for Traffic, Mumbai) - 022 - 22942276. Dear All, Please forward this mail as many as you can..do your bit for to help the ignorant. Take a printout of this and keep it in your car's glove compartment. May come handy... Not knowing this may leave a big hole in your pocket. Information you should have: If you are getting caught quite often by traffic police, then please read on. From now onwards, the Traffic Police cannot catch a motorist just to examine the driving license or vehicle documents. They can catch you only if you have violated any traffic laws or if you are driving drunk. Remember that when caught for traffic violation, the fine you pay must be limited to the violation. In other words, the police can't bloat the bill saying that you have no insurance cover or emission certificate, etc. Many motorists do not know this. According to the law, no policeman can slap a penalty on you just because you have no insurance or emission certificate. If you have not purchased insurance cover for your vehicle, then the police officer must issue a notice, not impose penalty. You must be given 15 days' time to purchase insurance cover and one week for obtaining the emission certificate. Days later, meet the sub-inspector at his station with the insurance cover or emission certificate, so that he will annul the charge at once. Police can fine you only if you fail to produce these documents within the stipulated period. If your vehicle is brand new, then you need not bother about obtaining the emission certificate for one full year. In response to a question as to why policemen fine people instantly without giving them time to obtain insurance cover or emission certificate, Additional Commissioner for Traffic Praveen Soodsaid, Yes, it is a mistake. People must force policemen to issue notice or complain to me at least the following day.” The best way to teach the police a lesson is by filing a written complaint with their higher officials and, a week later, using the Right to Information Act (RTI) to know the action taken against them. Remember, any question or application filed under RTI cannot be ignored and no official is bold enough to ignore the RTI Act. Praveen Sood (Additional Commissioner for Traffic, Mumbai) 022 - 22942276. -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Check it out - Parsi Comedy
Loose Talk: Parsi Comedy -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Circus Festival of Monte Carlo
Bar Performance - Unbelievable! Enjoy this amazing performance at the Circus Festival of Monte Carlo. The final stunt is unbelievable. http://amazingacts.blogspot.com/2008/07/dont-try-this-at-home.html -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Press Release - Long Term Infrastructure Bonds - Sec. 80CCF
Dear Member PRESS RELEASE New Delhi dated 9th July 2010 Long-term Infrastructure Bonds The Central Government have specified bonds to be issued by (i) Industrial Finance Corporation of India; (ii) Life Insurance Corporation of India; (iii) Infrastructure Development Finance Company Limited; and (iv) a Non-Banking Finance Company classified as an infrastructure finance company by the Reserve Bank of India; as Long-term Infrastructure Bond for the purpose of section 80CCF of the Income Tax Act, 1961. Investment in these bonds up to rupees twenty thousand will be eligible for deduction from the total income of the assessee. The deduction will be in addition to the deduction of rupees one lakh allowed under sections 80C, 80CCC and 80CCD of the Act. The tenure of the Bonds shall be a minimum of ten years with a lock-in period of five years for an investor. It will be mandatory for the subscriber to furnish permanent account number to the issuer for investment in the bonds. [Notification No.48/2010 dated 9th July 2010; F.No.149/84/2010-SO(TPL)] If you wish to download the Press Release, please click on the link below: http://www.bcasonline.org/news/newsin.asp?P000868 With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Breathing Therapy (Very Helpful)
Breathing Therapy The nose has a left and a right side; we use both to inhale and exhale. Actually they are different; you would be able to feel the difference. The right side represents the sun, left side represents the moon. During a headache, try to close your right nose and use your left nose to breathe. In about 5 Mins, your headache will go? If you feel tired, just reverse, close your left nose and breathe through your right nose. After a while, you will feel your mind is refreshed. Right side belongs to 'hot', so it gets heated up easily, left side belongs to 'cold'. Most females breathe with their left noses, so they get cooled off faster. Most of the guys breathe with their right noses, they get worked up. Breathing Therapy Makes u Relax Do you notice the moment we wake up, which side breathes faster? Left or right? ? If left is faster, you will feel tired. So, close your left nose and use your right nose for breathing, you will get refreshed quickly. This can be taught to kids, but it is more effective when practiced by adults. My friend used to have bad headaches and was always visiting the doctor. There was this period when he suffered headache literally every night, unable to study. He took painkillers, did not work. He decided to try out the breathing therapy here: closed his right nose and breathed through his left nose. In less than a week, his headaches were gone! He continued the exercise for one month. This alternative natural therapy without medication is something that he has experienced. So, why not give it a try? . __,_._,___ -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
PNR Status - 9773300000 - Very Useful Mobile No.
Send to all your friends.. Indian Railway in collaboration with Google is now providing a 10 digit mobile number. Just SMS your PNR number on this mobile number and instantaneously you will get your ticket's current status along with all other journey related details. The number is 97733-0. NO need to prefix 0 or +91. Best of all, you don't pay a premium charge for any of this, just theprice of a standard SMS.PLEASE DON'T FORGET TO STORE THE NUMBER IN YOUR MOBILE PHONE. -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
What are Kidney stones?
Kidney stones are one of the most painful disorders that affect humans. Kidney stones are solid masses of mineral salt deposits that are normally filtered through the kidney and emptied via urine. Urine has a natural substance, which dissolves these minerals, thereby preventing them into becoming solids or calculi. Sometimes due to dehydration, these salts don’t get dissolved and crystallization takes place. It grows large enough to obstruct the renal ducts or stuck in the uterus, causing sharp and severe pain in the urinary tract. Untreated, kidney stones can cause renal failure. Common Causes of Kidney stones • Urinary tract infection (UTI) • Overdoses of Vitamin D • Mineral imbalance • Kidney disease • Dehydration • Gout • Diet Home Remedies for Kidney stones Tip 1: Boil two figs in a cup of water. Drink this first thing in the morning for one month. Tip 2: Mix 1 tspn of Holy basil leaves juice with 1 tspn of honey. Have this every morning for 5-6 months. Eat 2-3 Apples a day. Tip 3: Watermelon, either eaten as a fruit or had a juice is very good. Tip 4: 1 cup of juice made with radish leaves taken 2 times a day. Tip 5: First thing in the morning, drink 1 glass of fresh Tomato juice. Add a pinch of salt and pepper to this. Warning: The reader of this article should exercise all precautionary measures while following instructions on the home remedies from this article. Avoid using any of these products if you are allergic to it. The responsibility lies with the reader and not with the site or the writer. __._,_.___ . __,_._,___ -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
FIFA World Cup - Trivia and Excel file
Cricket fever is over…. Move on to FIFA…!!! FIFA World Cup is undisputed BIGGEST sports event in the world…!!! Get all the details in attached file…. its time to say…… G!!! Some Interesting Facts: ·The only unbeaten team at the 1974 World Cup was Scotland, despite which, they still went out in the first round as their goal difference, from their one win and two draws, was less than both Yugoslavia and Brazil ·The youngest player to appear at the World Cup was Norman Whiteside who was 17 years and 41 days old when he took the field for Northern Ireland versus Yugoslavia in 1982 ·The youngest player to appear in the World Cup Final was Pele who was 17 years and 249 days old when he was part of the Brazil team who beat Sweden 5-2 in 1958 ·The shortest World Cup career goes to Marcelo Trobbiani of Argentina who spent a grand total of just one minute on the pitch after coming on as a substitute in the 1986 final. It was his only ever appearance at the World Cup ·England’s third goal in the 1966 final, irrespective of what some believe, did not cross the line and should not have counted as a goal ·The 500th goal in the World Cup finals was scored by Bobby Collins of Scotland during their 3-2 defeat against Paraguay in 1958. ·Roger Milla, of Cameroon, is the oldest player to feature at the World Cup, he was 42 years and 39 days old when he played against Russia in 1994. He also scored that day to become the oldest goal scorer. Worryingly, a member of the Cameroon delegation claimed that Milla was actually over 46 ·The first example of a father selecting his son to play at the World Cup happened in 1966 when Uruguay coach Ondino Viera selected son Milton Viera ·The only time that East Germany met West Germany in a game of football happened at the 1974 World Cup. East Germany ran out 1-0 victors; West Germany went on to win the World Cup that year ·Belgium’s first choice goalkeeper at the 1982 World Cup was Jean-Marie Pfaff but, because of a misdemeanour, he was dropped after their third game. He was replaced by Theo Custers for the next game, but after they had lost by 3 goals to Poland he was never capped again – quite literally ‘Custers’ last stand’ ·One of the big stars of the 1990 World Cup was Rene Higuita, the Colombia goalkeeper. He would have been one of the big stars of the 1994 World Cup but missed out because he was in jail on charges of kidnapping ·The only player to appear at the World Cup finals whilst playing for an Irish club was Patrick Joseph ‘Felix’ Healey. He played for Northern Ireland in 1982 while employed with Irish club Coleraine ·The first World Cup match to be televised was the Hungary versus Brazil match on 27th June 1954. Hungary won 4-2 ·Juan Ignacio Basaguren became the first substitute to score in the World Cup finals when he put the ball in the back of the net during Mexico’s 4-0 victory against El Salvador in 1970 ·During the 1990 World Cup, the Italian goalkeeper Walter Zenga went an impressive 517 minutes without conceding a goal ·Bolivia had to wait a total of 64 years for their first goal at the World Cup finals. They first appeared at the World Cup in 1930 and didn’t qualify again until 1994; Erwin Sanchez scored the goal in a 3-1 loss to Spain ·When Brazil took to the field against Yugoslavia at the 1930 World Cup, they did so with a total of 10 players who had never been capped before. Four years later Argentina fielded 10 new caps against Sweden ·There was a grand total of 28 red cards dished out at the 2006 World Cup. On the subject of red cards, Argentina’s Claudio Caniggia was sent off at the 2002 World Cup despite not actually playing ·Emerson, who was captain of Brazil, missed out on the 2002 World Cup after damaging his shoulder while ‘mucking’ about during training ·Scotland have qualified for the World Cup finals on 8 occasions; they have never qualified through from the first rounds. Pretty poor showing but they did score one of the best World Cup goals ever – every cloud has a silver lining Some Statistics: ·Most red cards shown in a World Cup match: 3. This has happened twice (Hungary v Brazil on 27 June 1954 and South Africa v Denmark on 18 Jun 1998) ·5 Goals scored by Russia's Oleg Salenko against Cameroon in 1994, a record for a single World Cup match ·10 is the highest number of goals scored by a team in a World Cup match (Hungary vs El Salvador 1982: 10-1) ·12 is the highest number of goals scored in a single World Cup match, by Austria and Switzerland (7-5) in 1954 ·13 is the record number of goals in a World Cup, held by France's Juste Fontaine in 1958 ·14 Record World Cup career goals, held by West Germany's Gerd Muller ·
Home Remedies for HOARSENESS
a.. HOARSENESS Hoarseness Prevention Treatment Tips What is hoarseness? Hoarseness is a general term that describes abnormal voice changes. Those who use their voices a great deal, or have to speak loudly most of the time, often suffer from hoarseness. When hoarse, the voice may sound breathy, raspy, strained, or there may be changes in volume (loudness) or pitch (how high or low the voice is). The changes in sound are usually due to disorders related to the vocal folds which are the sound producing parts of the voice box (larynx). While breathing, the vocal folds remain apart. When speaking or singing, they come together, and as air leaves the lungs, they vibrate, producing sound. The more tightly the vocal folds are held and the smaller the vocal folds, the more rapidly they vibrate. More rapid vibration makes a higher voice pitch. Swelling or lumps on the vocal folds prevent them from coming together properly, which makes a change in the voice. What are the causes of hoarseness? Any infection of the throat, especially in the area of the larynx (voice box), will cause hoarseness, if there is any external swelling in the region of the throat, with no complaints suggestive of throat infection, it must be immediately investigated. Often, in the case of a benign or malignant growth in the thyroid glands (these are situated in front of the voice box), there may be some pressure being exerted on the nerve supplying the muscles of the larynx. This results in hoarseness, which must never be taken lightly or neglected. Some of common causes are : Smoking. Gastroesophageal reflux. Thyroid problems. Allergies in throat. What are the symptoms? Some of common symptoms of hoarseness includes : Pain in throat. Harsh sound to the voice. Rough voice. Total loss of voice. Natural home remedies for the treatment of hoarseness. Take a white turnip. Slice it in circles horizontally and apply honey to the circles. Now sandwich them together. Hold firmly, arid slice longitudinally, apply honey again, and then tie them together with a clean, washed threadnot too tight, just tightly enough to hold the pieces together. Pour some more honey over them. Leave for 12-14 hours. The turnip-honey syrup will collect at the bottom of the cup. A teaspoon of this, taken thrice a day with warm water, gives remarkable relief. Even gargling with water in which turnips have been boiled is efficacious. Alternatively, a teaspoonful of onion juice, mixed with a teaspoonful of honey, is equally beneficial. Gargle with an infusion of a teaspoon each of powdered cinnamon and cardamom, mixed with a glassful of water. For relief from a chronic throat irritation, soak 2-3 dried figs and 2-3 almonds in a cup of warm water for 2-3 hours. The outer skin of the almonds softens. Remove it. Grind the almonds and figs to a fine paste. Add a teaspoon of honey to it, and drink it with a cup of warm water at bedtime. It is delicious with hot milk, but perhaps a little fattening for people who need to watch their weight. Gargle with an infusion of fennel-a teaspoon to a glass of water . Take equal quantities of liquorices and lump sugar. Grind them together and bottle the mixture. Take one-fourth to half a teaspoon at a time. Keep in the mouth, let the saliva mix with it, and swallow it slowly, a little at a time. It soothes the throat and is excellent for hoarseness of the voice. If one does not dislike the pungency of black pepper, an equal amount of it can be added. However, some find it too pungent and an irritant, instead of soothing. What are the prevention? b.. Some of the common prevention tips for hoarseness includes: c.. Quit smoking. d.. Drink plenty of water. e.. Don't speak too long and loudly. f.. Seek professional voice training. g.. Avoid speaking or singing when your voice is injured or hoarse. h.. Avoid drinks which have alcohol and caffeine. http://www.best- home-remedies. com/throat_ problems/ hoarseness. htm Warning: The reader of this article should exercise all precautionary measures while following instructions on the home remedies from this article. Avoid using any of these products if you are allergic to it. The responsibility lies with the reader and not with the site or the writer. This information is solely for informational purposes. IT IS NOT INTENDED TO PROVIDE MEDICAL ADVICE and should not be treated as a substitute for the medical advice of your own doctor. __._,_.___. __,_._,___ -- You received this message because you are subscribed to the
Helpful Calculator [3 Attachments]
[ HELPFUL CALCULATOR Download and see. __._,_.___ Attachment(s) from Shoobin Divakaran 3 of 3 File(s) helpful Amount Blood. __,_._,___ -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Digital Camera Guide
-- Digital Camera Guide So, it's time for a digital camera huh? Well, buying one can be more than a little difficult. What types of features should you look for? Well, this guide will tell you that plus get you a little more familiar with what these cameras are capable of. Megapixels When it comes to megapixels, the more the better. I recommend a minimum of 2, but 3 or 4 is great. We did a test to see if a camera with 2.3 megapixels (actually 1.92 - 1600 x 1200) could produce a good quality 8x10. Turns out it can, if you have the right paper and printer. We used HP Premium Plus photo paper with an HP 970 series printer and made a fantastic 8 x 10. Remember, I was a professional photographer before I got into computing, so I know a good print when I see it :-) The resolution at 8x10 (we had to crop in to make the picture proportional to 8x10) was only 150 DPI. Most printers would not make a real good 8x10 at that resolution, but this one did. So, if you want to be sure you can get good 8 x 10s, you may want to go with a 3 megapixel camera or better (that gives you around 200 DPI at 8x10 size, still not quite the optimum 300 DPI, but it looks good with the right printer). Optical vs Digital Zoom You've probably noticed that most digital cameras have both a specification for digital and optical zoom. Pay the most attention to the optical zoom. The optical zoom magnifies (zooms in) using glass. The digital zoom basically crops out the edge of the picture to make the subject appear closer, causing you to lose resolution or to get an interpolated resolution (i.e. the camera adds pixels). Neither of which help image quality. Finally, make sure you get enough (optical) zoom. A 2x zoom isn't going to do much for you. A 3x is the average you'll find in most digital cameras will probably be good for most uses. More on lenses later. Connection How does the camera connect to your computer? If you have a USB port in your computer, you'll want a camera that can connect via USB as opposed to a slow serial connection. On the other hand, if your computer doesn't have a USB port, is there a serial connector available for the camera you're looking at? If so, is it a special order and how long does it take to get it? Storage What does the camera use to store images with? If it uses a memory stick, make sure you consider buying additional sticks when you get your camera. A typical 8 meg memory stick that comes with a 2 megapixel camera only holds 5 or 6 images at the camera's best quality. Some cameras use a 3.5 inch disk for storage. Be careful of these! Although it may sound like a good idea, a 3 megapixel camera at high resolution produces a 1 meg file (compressed!). That's only 1 picture per disk. Here's a few more things to look out for when trying to make your digital camera purchase. Picture Formats When you're trying to decide on which digital camera to get, check and see how many different picture formats it supports. You want something that can produce both uncompressed (usually TIFF) and compressed (usually JPEG) images. I personally use the high quality JPEG setting on my camera for most of my shooting. TIFFs are just too big and the difference in quality is not ascertainable by mere mortals. You also want to be able to shoot at a lower resolution than the camera's maximum. That way, If you're running short on memory, you can squeeze a few more shots on your memory stick. Auxiliary Lens / Flash This was a biggie for me. While a 3x zoom may work for the average user, I needed something that allowed me to do some wide angle work as well as have a good telephoto lens. So, the camera I purchased a few months back was a Nikon Coolpix 990 (note that this isn't the only camera that can accept lenses). It has auxiliary lenses that screw into the filter ring on the front of the lens. I now have an ultra-wide fisheye lens plus a nice telephoto. In addition to lenses, I wanted a good flash. The flash that is built into most of these cameras gives you a top range of 15-20 feet - at best. I wanted a camera that could take a powerful auxiliary flash (again, the Nikon isn't the only camera that fits this requirement, but I liked it better than the rest). If you need more reach than the small built in flash can deliver, then make sure you can attach an external flash to any camera you consider. As an added bonus, if you get a camera that can take an external flash, you can place that flash on a bracket and eliminate red-eye. Flash Distance Speaking of flashes, make sure you check the distance the built in flash is good for. You don't want a camera with a wimpy flash that only travels a few feet (well, unless you can get an external flash for it as described above). Battery Type This may not sound important, but it is. Anyone who owns a digital camera can tell you they eat batteries the way a sumo wrestler eats at a buffet. Make sure the camera can run on
Dutch Linear Clock (must see)
Assunto: Dutch Linear Clock Dutch Linear Clock This is a different way to display time on the green time line. It's a really interesting clock! It comes from a Dutch web site. Here is what you will see when you look at this clock: Don't do anything. It's automatically adjusted to your time zone. Just look at it and study it. It gives you the EXACT TIME of the DAY in seconds, minutes, hours, the day, month and year. Just read the green line. Everything's there. Study it for a few seconds and it will all become clear to you. Remember these definitions: 1st Line is Seconds 2nd Line is Minutes 3rd line is Hours. 4th Line is Days 5th Line is Months 6th Line is Years This is the COOLEST clock I have seen yet!! http://home. tiscali.nl/ annejan/swf/ timeline. swf . __,_._,___ -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Important - Cheque Alterations, RBI Circular
P Save Paper - Do you really need to print this e-mail Important Message regarding alterations on Cheque leaf We have received RBI guidelines by virtue of which Banks are supposed to prohibit alterations / corrections on the cheque leaf. As per RBI Circular - DPSS.CO.CHD.No. 1832/01.07.05/2009-10 dated 22nd February 2010. Prohibiting alterations / corrections on cheques : No changes / corrections should be carried out on the cheques (other than for date validation purposes, if required). For any change in the payee's name, courtesy amount (amount in figures) or legal amount (amount in words), etc., fresh cheque forms should be used by customers. This would help banks to identify and control fraudulent alterations. Based on the above guidelines branch / clearing teams can return cheques which have any alteration in the · Payee Name · Amount in numbers · Amount in words The only alteration which is allowed is the alteration in the date. The above change will be incorporated by change in the Terms and Conditions on the chequebook. With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en. attachment: 1B419724.gif
usefull information
Valuable Information.! Correct timing to drink water, will maximize its effectiveness on the Human body. Two (02) glass of water - After waking up - Helps activate internal organs One (01) glasses of water - 30 minutes before meal - Help digestion One (01) glass of water - Before taking a bath - Helps lower blood pressure One (01) glass of water - Before sleep - To avoid stroke or heart attack Please pass this to the people you know... -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en. attachment: image001.jpgattachment: image002.jpg
Dividend in ICICI Prudential Tax Plan; Record Date: March 19, 2010
Dear All ICICI Pru . Mutual Fund declaring a dividend in ICICI Prudential Tax Plan. The details are as follows: Record Date: March 19, 2010 Dividend Rate: 10% Current Dividend Option NAV: 18.56 (as on March 12, 2010) Scheme Name (Category: Tax Plan) Inception Date AAuM (Feb. 10) 6 Months 1 Year 3 Years 5 Years Since Inception Birla Sun Life Tax Relief 96 1220.07 11.33 140.06 -- -- 3.46 DSP BlackRock Tax Saver Fund 744.49 13.55 119.61 17.8 -- 14.25 HDFC Taxsaver 2201.80 17.54 139.59 15.76 23.7 25.77 ICICI Prudential Taxplan 19-Aug-99 1043.51 20.61 156.57 15.38 20.22 26.97 Principal Personal Taxsaver 571.59 9.08 119.09 12.77 13.6 24.81 Reliance Tax Saver Fund 2072.57 17.12 114.5 11.99 -- 14.72 SBI Magnum Tax Gain Scheme 93 5297.39 11.25 109.34 11.18 18.71 14.87 Sundaram BNP Paribas Taxsaver - (Open Ended Fund) 1219.69 5.39 99.95 17.26 23.7 17.1 Dividend History Schemes Record Date Dividend % Ex-Dividend Date Ex-Dividend NAV ICICI Prudential Taxplan - Dividend 4-Dec-09 40 4-Dec-09 17.41 ICICI Prudential Taxplan - Dividend 18-Jul-08 15 18-Jul-08 15.26 ICICI Prudential Taxplan - Dividend 18-Jan-08 20 18-Jan-08 24.43 ICICI Prudential Taxplan - Dividend 17-Aug-07 20 17-Aug-07 19.55 ICICI Prudential Taxplan - Dividend 9-Feb-07 50 9-Feb-07 22.15 ICICI Prudential Taxplan - Dividend 9-Nov-06 25 10-Nov-06 27.27 ICICI Prudential Taxplan - Dividend 20-Mar-06 50 21-Mar-06 26.4 ICICI Prudential Taxplan - Dividend 23-Aug-05 25 24-Aug-05 24.38 Total 245 With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Dividend in Tata Balanced Fund Tata Capital Builder Fund
Dear All, Tata Mutual Fund is pleased to announce declaration of dividend in Tata Balanced Fund Tata Capital Builder Fund:- Fund: Tata Balanced Fund Dividend : 30% Record Date : 19th March' 2010 NAV (11th March'10) : 50.5748 Fund: Tata Capital Builder Fund Dividend : 10% Record Date : 19th March' 2010 NAV (11th March'10) : 14.2417 With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Notice Adv. Dividend Declaration in BHARATI AXA TAX ADVANTAGE FUND
Dear All, Bharti AXA MF announce 30% dividend in BhartiAXA Tax Advantage Fund. Dividend record date is 16th March, 2010. This is 4th Dividend within a year. BhartiAXA Tax Advantage Fund has given an absolute return of 122% since inception. Kindly find attached the Notice Advertisement - Dividend Declaration in BhartiAXA Tax Advantage Fund. The same has been released in Nav Shakti and Business Standard newspapers today. Kindly Find Attached soft copy of common application form (Equity). Enclosed is dividend history in BhartiAXA Tax Advantage Fund. Date Plan Dividend % 04-Jun-09 Regular 10% Eco 10% 23-Dec-09 Regular 30% Eco 30% 25-Jan-10 Regular 30% Eco 30% CURRENT NAV - DIV OPTION ECO PLAN - 15.42 REGULAR - 15.41 With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
SBIMF Dividend Declaration-Magnum Global Fund-50%
SBI Mutual Fund Declares 50%Dividend in Magnum Global Scheme Record Date: 12th March,2010 upto 3.00 p.m. *NAV (Dividend Option) Magnum Global Fund as on 5th March,2010 Rs 32.53 Friday 12th March 2010 is the last day SBI Magnum Global Fund is an open ended equity fund which provides investor maximum growth through well researched investment in Indian Equity. SBI Magnum Global awarded 5 star rating by ICRA Mutual Fund Awards (1 year Performance) Returns as on 4Th March 2010. Scheme Name Benchmark AUM (in Cr) Jan . 2010 NAV (Div) Compounded Annualized Since Inception CAGR 05-Mar-10 6 Mth 1 Year 3 Year 5 Year Rs Rs % % % % % SBI Magnum Global Fund BSE 100 1307 32.53 19.67 160.62 5.45 21.81 11.66 With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Cheapest Currencies in the World ```
You can plan to visit these countries ``` Cheapest Currencies in the World ``` Would you like to be a billionaire? If yes, it's easy, just move to any of the countries below. ZIMBABWE Zimbabwe Dollar 1,000,000,000 = US $2.64 Zimbabwe as an example, this country's entire population of over 12,500,000 are billionaires. In fact, many are trillionaires, or even quadrillionaires. in case you're unfamiliar with quadrillions, a quadrillion is a million billion, or a 1 followed by 15 zeros. The least valued currency unit is the currency in which a single unit buys the least number of any given other currency or the smallest amount of a given good. Most commonly, the calculation is made against a major reserve currency such as the euro (EUR) or the United States dollar (USD). As Americans worry about the rate of inflation exceeding 4 percent, we should consider Zimbabwe, where the inflation rate broke the shocking 230,500,000% mark and the country released a 100 trillion dollar note. VIETNAM Vietnam Dong 100,000 = US $5.37 An early-1980's U.S. embargo hobbled exports, leading to price controls and the printing of excess currency. Early this month, the Vietnamese dong rate in the black market has strengthened towards the official level after the government released more dollars into the economy and cracked down on state banks' currency transactions, which traded at 18,621 per dollar. INDONESIA Indonesian Rupiah 100,000 = US $10.71 During the 1997 Asian financial crisis, the rupiah lost 80 percent of its value within months, sparking riots in Jakarta (and soon ending President Suharto's 32-year rule). From the years 2000 to 2008, the exchange rate has generally been between 8,000 and 11,000 rupiah to one United States dollar. As of February 2010, one US dollar is worth approximately 9,335 Indonesian rupiah. IRAN Iran Rial 100,000 = US $10.11 Since the 1979 revolution, Iran's inflation rate has hovered around 15 percent, thanks in part to ever-rising oil prices. Until 2002, Iran's exchange rate system was based on a multi-layered system, where state and para-state enterprises benefited from the preferred rate (1750 rial for $1) while the private sector had to pay the market rate (8000 rial for $1), hence creating an unequal competition environment. However, in March 2002, the multi-tiered system was replaced by a unified, market-driven exchange rate. SAO TOME Sao Tome Dobra 100,000 = US $5.54 This African island nation's economy is tied to the volatile price of its chief export, cocoa, and is measured against its trading partners' robust euro. In late 2000, São Tomé qualified for significant debt reduction under the IMF-World Bank's Heavily Indebted Poor Countries (HIPC) initiative. The reduction is currently being reevaluated by the IMF, due to the attempted coup d'etat in July 2003 and subsequent emergency spending. GUINEA Guinea Franc 100,000 = US $19.85 In 2002, the mineral-rich African country refused to implement reforms mandated by the International Monetary Fund; foreign cash dried up, and the central bank printed too much money. From an average value of about 2500 Guinean francs to the pound sterling during the year 2000, the value of the currency has fallen to a current level (April 2006) of about 8000 to the GBP and about 4500 to the United States dollar. LAOS Lao Kip 100,000 = US $11.75 Laos is a landlocked country with an inadequate infrastructure and a largely unskilled work force. The country's per capita income in 2004 was estimated to be $1,900 on a purchasing power parity-basis. The Asian financial crisis, coupled with the Lao Government's own mismanagement of the economy, resulted in spiraling inflation and a steep depreciation of the kip, which lost 87% of its value from June 1997 to June 1999. TURKMENISTAN Turkmenistan Manat 100,000 = US $6.96 Since 1991- the last year of existence of the USSR - up to 1993 - the last year of rouble zone existence - the rate of inflation was measured in tens, hundreds and even thousands per cent per year. For the recent years the process of involving internal sources of investment into the sphere of currency turnover and currency accrual has become unprecedented in its scale. -- You received this message because you are subscribed to the Google
United Bank of India - IPO
United Bank of India IPO details:- BRLM:SBI Capital Markets/Edelweiss Capital Limited/Enam Securities P. Ltd Issue Opens:February 23, 2010 Issue Closes:February 25, 2010 Price Band :Rs 60 - Rs 66 per Equity Share Bid Lot Size :100 Equity Shares into Multipiles of 100 Equity Shares Retail Discount :5% (Investor has to pay full amount on application. Discount will be adjusted on Basis of Allotment) Registrar:Link Intime India Private Limited Total Issue Size:5,00,00,000 Equity Shares (Rs.300 Crores at lower band and Rs.330 Crores at upper band) Net Issue:4,75,00,000 Equity Shares (Rs.285 Crores at lower band and Rs.313.50 Crores at upper band) QIB: 2,85,00,000(60% of Net Issue) Equity Shares (Rs.171 Crores at lower band and Rs.188.10 Crores at upper band) HNI:47,50,000(10% of Net Issue) Equity Shares (Rs.28.50 Crores at lower band and Rs.31.35 Crores at upper band) Retail:1,42,50,000(30% of Net Issue) Equity Shares (Rs.85.50 Crores at lower band and Rs.94.05 Crores at upper band) With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Written by a Pakistani journalist about India....
Written by a Pakistani journalist about India... Must forward to all Indians! Capital suggestion By Dr Farrukh Saleem Here's what is happening in India : The two Ambani brothers can buy 100 percent of every company listed on the Karachi Stock Exchange (KSE) and would still be left with $30 billion to spare. The four richest Indians can buy up all goods and services produced over a year by 169 million Pakistanis and still be left with $60 billion to spare. The four richest Indians are now richer than the forty richest Chinese. In November, Bombay Stock Exchange's benchmark Sensex flirted with 20,000 points. As a consequence, Mukesh Ambani's Reliance Industries became a $100 bill ion company (the entire KSE is capitalized at $65 billion). Mukesh owns 48 percent of Reliance. In November, comes Neeta's birthday. Neeta turned forty-four three weeks ago. Look what she got from her husband as her birthday gift: A sixty-million dollar jet with a custom fitted master bedroom, bathroom with mood lighting, a sky bar, entertainment cabins, satellite television, wireless communication and a separate cabin with game consoles. Neeta is Mukesh Ambani's wife, and Mukesh is not India 's richest but the second richest. Mukesh is now building his new home, Residence Antillia (after a mythical, phantom island somewhere in the Atlantic Ocean). At a cost of $1 billion this would be the most expensive home on the face of the planet. At 173 meters tall Mukesh's new family residence, for a family of six, will be the equivalent of a 60-storeyed building. The first six floors are reserved for parking. The seventh floor is for car servicing and maintenance.. The eighth floor houses a mini-theatre. Then there's a health club, a gym and a swimming pool. Two floors are reserved for Ambani family's guests. Four floors above the guest floors are family floors all with a superb view of the Arabian Sea On top of everything are three helipads. A staff of 600 is expected to care for the family and their family home. In 2004, India became the 3rd most attractive foreign direct investment destination. Pakistan wasn't even in the top 25 countries. In 2004, the United Nations, the representative body of 192 sovereign member states, had requested the Election Commission of India to assist the UN in the holding elections in Al Jumhuriyah al Iraqiyah and Dowlat-e Eslami-ye Afghanestan. Why the Election Commission of India and not the Election Commission of Pakistan? After all, Islamabad is closer to Kabul than is Delhi . Imagine, 12 percent of all American scientists are of Indian origin; 38 percent of doctors in America are Indian; 36 percent of NASA scientists are Indians; 34 percent of Microsoft employees are Indians; and 28 percent of IBM employees are Indians. For the record: Sabeer Bhatia created and founded Hotmail. Sun Microsystems was founded by Vinod Khosla. The Intel Pentium processor, that runs 90 percent of all computers, was fathered by Vinod Dham. Rajiv Gupta co-invented Hewlett Packard's E-speak project. Four out often Silicon Valley start-ups are run by Indians. Bollywood produces 800 movies per year and six Indian ladies have won Miss Universe/Miss World titles over the past 10 years. For the record: Azim Premji, the richest Muslim entrepreneur on the face of the planet, was born in Bombay and now lives in Bangalore.India now has more than three dozen billionaires; Pakistan has none (not a single dollar billionaire). The other amazing aspect is the rapid pace at which India is creating wealth. In 2002, Dhirubhai Ambani, Mukesh and Anil Ambani's father, left his two sons a fortune worth $2.8 billion. In 2007, their combined wealth stood at $94 billion. On 29 October 2007, as a result of the stock market rally and the appreciation of the Indian rupee, Mukesh became the richest person in the world, with net worth climbing to US$63.2 billion (Bill Gates, the richest American, stands at around $56 billion). Indians and Pakistanis have the same Y-chromosome haplogroup. We have the same genetic sequence and the same genetic marker (namely: M124). We have the same DNA molecule, the same DNA sequence. Our culture, our traditions and our cuisine are all the same. We watch the same movies and sing the same songs. What is it that Indians have and we don't? INDIANS ELECT THEIR LEADERS!! And also to mention: They think of Construction of own nation, unlike other nations who are just concerned with destruction of others... Simple answer to why the Indians fare better than the Pakistanis - They don't focus on religion all the time and neither do they spend time and money in devising ways to kill their own and everyone else over religion.
Home Remedies for ACIDITY
Home Remedies for ACIDITY ACIDITY Acidity may be defined as sour or burning sensation in the chest, which is caused by regurgitation of the excessive acid secretion into the upper end of the esophagus. It is advisable to chew the food properly and drink lot of water for proper digestion and absorption. Pregnant women suffer from heartburn as the uterus presses on the digestive tract as the fetus grows. Normally the stomach secretes an acid, which is essential for the digestion. This acid helps in the breakdown of the food. When there is excessive secretion of this acid by the stomach it results in acidity. Its common symptoms are dyspepsia, heartburn and formation of the ulcers. It is more common in emotional and nervous individuals. This is caused due to excessive secretion of hydrochloric acid, either from an increased quantity of the gastric juice or increased concentration of hydrochloric acid in it. Other reason for this may be fermentation of organic acids such as lactic acid, acetic acid and butyric acid. Increased acidity with regurgitation causes some amount of oesophagitis (inflammation of the esophagus), which increases the sensitiveness. Acidity causes reflex increased secretion of alkaline saliva, which accumulates in the esophagus and is rushed into the mouth without any sensation of vomiting. This is commonly associated with duodenal ulcer. Causes of hyperacidity are gastro duodenal (peptic) ulcer; reflex pylorospasm from any cause and sometimes-excessive smoking can also lead to severe acidity. The amount of free hydrochloric acid in the stomach does not gives the measure of the total acidity of gastric secretions i.e. amount of total chlorides indicates the better. Most acidity problems occur after meals, when doing some heavy exercise and applying pressure in the intra-abdominal region or at night when lying down. What is ACIDITY? The stomach normally secretes acid that is essential in the digestive process. This acid helps in breaking down the food during digestion. When there is excess production of acid by the gastric glands of the stomach, it results in the condition known as acidity. Dyspepsia, heartburn and the formation of ulcers are some of the symptoms. It is more common in highly emotional and nervous individuals. Common Causes of Acidity a.. Consumption of Alcohol b.. Highly spicy foodstuffs c.. Non-vegetarian diets d.. Non-Steroidal Anti-Inflammatory Drugs (NSAID's) Most acidity problems occur 1.. After meals 2.. When lifting weight or straining and applying pressure in the intra-abdominal area. 3.. At night when lying down. Ulcers also occur as a result of over secretion of acid. Home Remedies for Acidity Tip 1: After all three meals, take a small piece of jaggery and keep it in your mouth and suck. Voilá no more acidity. Tip 2: Boil one cup of water. To this add 1 tsp of Aniseed (Saunf). Cover and leave overnight. Strain the water in the morning, add 1 tsp of honey. When this is taken 3 times a day it prevents acidity. Tip 3: To 1 ½ liters of water add 1 tsp Caraway seeds (shah jeera). Bring to a boil and simmer for 15 minutes. Sip while warm. Have the concoction 2-3 times a day for 5-6 days. Tip 4: Powder one clove and one cardamom; use the powder as a mouth freshener after every meal. No more acidity and no more bad breath. Other home remedies for acidity: a.. Drinking milk or eating milk products are helpful in relieving symptoms of acidity. b.. Foods such as pickles, vinegar, fried foods, hot spicy foods, chocolate, pastries, and raw salad vegetables like onion, radish, cabbage, and peppers should be avoided. c.. Clove also helps to relieve the symptoms of acidity. Suck one piece of clove slowly to relieve the symptoms. It also helps to reduce the onset of disease that arises due to acidity. d.. A cup of vanilla ice cream or a glass of cold milk also helps to get relieve heartburn and acidity within minutes. e.. Almonds are also a good source for relieving the heartburn and acidity. Eat several almonds when heartburn symptoms persist. f.. Lemons also help to prevent heartburn. Cut a lemon into thin strips and dip in salt. Eat before meals to prevent heartburn. g.. Take some mint leaves and chop these and then boil in a cup of water and sip slowly after meals. If a person drinks Fresh mint juice every day he will never experience acidity. h.. Jaggery or gur taken after every meal also helps to reduce the acidity. Keep a piece of gur in the mouth and slowly suck it till acidity decreases. i.. Eating bananas is also helpful in preventing the symptoms of acidity and heartburn. To prevent acidity it is advised to eat
Tax planning- For people in India. [2 Attachments]
Dear All See tax planning, I guess you are very familiar on all tax savings, here are some tips if you miss any, see if you have claimed under medical / insurance etc. __._,_.___ Attachment(s) from Raman K 2 of 2 File(s) Tax planning.pdf Tax planning.doc . __,_._,___ Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups "BETTER PERSONALITY GROUP" group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
PARENTS ARE PRECIOUS!!.
PARENTS ARE PRECIOUS!! This was narrated by an IAF pilot at a Seminar recently on Human Relations : Venkatesh Balasubramaniam (who works for IIT) describes how his gesture of booking an air ticket for his father, his maiden flight, brought forth a rush of emotions and made him (Venkatesh) realize that how much we all take for granted when it comes to our parents. My parents left for our native place on Thursday and we went to the airport to see them off. In fact, my father had never traveled by air before, so I just took this opportunity to make him experience the same. In spite of being asked to book tickets by train, I got them tickets on Jet Airways. The moment I handed over the tickets to him, he was surprised to see that I had booked them by air. The excitement was very apparent on his face, waiting for the time of travel. Just like a school boy, he was preparing himself on that day and we all went to the airport, right from using the trolley for his luggage, the baggage check-in and asking for a window seat and waiting restlessly for the security check-in to happen. He was thoroughly enjoying himself and I, too, was overcome with joy watching him experience all these things. As they were about to go in for the security check-in, he walked up to me with tears in his eyes and thanked me. He became very emotional and it was not as if I had done something great but the fact that this meant a great deal to him. When he said thanks, I told him there was no need to thank me. But later, thinking about the entire incident, I looked back at my life. As a child, how many dreams our parents have made come true. Without understanding the financial situation, we ask for cricket bats, dresses, toys, outings, etc. Irrespective of their affordability, they have catered to all our needs. Did we ever think about the sacrifices they had to make to accommodate many of our wishes? Did we ever say thanks for all that they have done for us? Same way, today when it comes to our children, we always think that we should put them in a good school. Regardless of the amount of donation, we will ensure that we will have to give the child the best, theme parks, toys, etc. But we tend to forget that our parents have sacrificed a lot for our sake to see us happy, so it is our responsibility to ensure that their dreams are realized and what they failed to see when they were young. It is our responsibility to ensure that they experience all those and their life is complete. Many times, when my parents had asked me some questions, I have actually answered back without patience. When my daughter asks me something, I have been very polite in answering. Now I realize how they would have felt at those moments. Let us realize that old age is a second childhood and just as we take care of our children, the same attention and same care needs to be given to our parents and elders. Rather than my dad saying thank you to me, I would want to say sorry for making him wait so long for this small dream. I do realize how much he has sacrificed for my sake and I will do my best to give the best possible attention to all their wishes. Just because they are old does not mean that they will have to give up everything and keep sacrificing for their grandchildren also. They have wishes, too. Take care of your parents. THEY ARE PRECIOUS. -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Toll free numbers
Here are some toll free numbers for services in India Air-Lines In India Indian Airlines=- 1600 180 1407 Jet Airways - 1600 22 5522 SpiceJet - 1600 180 Automobiles=20 Mahindra Scorpio - 1600 22 6006 Maruti - =600 111 515 Tata Motors - 1600 22 5552 Windshield Experts - 1600 11 3636 Banks =BRABN AMRO - 1600 11 2224 Canara Bank - 1600 44 6000 Citibank - 1600 44 2265 Corporatin Bank - 1600 443 555 Development Credit Bank - 1600 22 5769 HDFC Bank - 1600 227 227 IC=CI Bank - 1600 333 499 ICICI Bank NRI - 1600 22 484= IDBI Bank - 1600 11 6999 In=ian Bank - 1600 425 1400 ING Vysya - 1600 44 9900 Kotak Mahindra Bank - 1600 22 6022 Lord Krishna Bank - 1600 11 2300 Punjab National B=nk - 1600 122 222 State Bank of India=- 1600 44 1955 Syndicate Bank - 1600 44 6655 Cell Phones BenQ - 1600 22 08 08 Bird CellPhones - 1600 11 =700 Motorola MotoAssist - 1600 11 1211 Nokia - 3030 3838 Sony Ericsson - 3901 Computers/IT =BRAdrenalin - 1600 444 445 AMD - 1600 425 6664=20 Apple Computers - 1600 444 683 Canon - 1600 333 366 Cisco Systems - 1600 221 777 Compaq - HP - 1600 444 999 Data One Broadband - 1600 424 1600 Dell - 1600 444 026 Epson - 1600 44 0011 eS=s - 3970 0011 Genesis Tally Academy - 1600 444 888 HCL - 1600 180 8080 IBM - 1=00 443 333 Lexmark - 1600 22 4477 Marshal's Point - 1600 33 4488 Microsoft - 1600 111 100 Microsoft Virus Update - 1901 333 334 Seagate - 1600 180 1104 Symantec - 16=0 44 5533 TVS Electronics - 1600 444 566 WeP Peripherals - 1600 44 6446 Wipro - 1600 333 312 xerox = 1600 180 1225 Zenith - 1600 222 004 Couriers/Packers Movers ABT Courier - 1600 44 8585 AFL Wizz - 1600 22 9696 Agarwal Packers Movers - 1600 11 4321 Associated Packers P Ltd - 1600 21 4560 DHL - 1600 111 345 FedEx - =600 22 6161 Goel Packers Movers - 1600 11 3456 UPS - 1600 22 7171 Education =BREdu Plus - 1600 444 000 Hind=stan College - 1600 33 4438 NCERT - 1600 11 126= Vellore Institute of Technology - 1600 441 555 Healthcare Best on Health - 1600 11 8899 Dr Batras - 1600 11 6767 GlaxoSmithKline - 1600 22 8797 Johnson Johnson - 1600 22 8111 Kaya Skin Clinic -=1600 22 5292 LifeCell - 1600 44 5323 Manmar Technologies - 1600 33 4420 Pfizer - 1600 442 442 Roche Accu-Chek - 1600 11 45 46 Rudraksha - 1600 21 4708 Va=ilux Lenses - 1600 44 8383 VLCC - 1600 33 1262 Home Appliances =BRAiwa/Sony - 1600 11 1188 Anchor Switches - 1=00 22 7979 Blue Star - 1600 22 2200 Bo=e Audio - 1600 11 2673 Bru Coffee Vending Machines=- 1600 44 7171 Daikin Air Conditioners - 1600 444 =22 DishTV - 1600 12 3474 Faber=20 Chimneys - 1600 21 4595 Godrej - 1600 22 5511 Grundfos Pumps - 1600 33 4555 LG - 1901 180 Philips - 1600 22 4422 Samsung - 1600 113 444 Sany= - 1600 11 0101 Voltas - 1600 33 4546 WorldSpace Satellite Radio - 1600 44 5432 Hotel Reservations =BRGRT Grand - 1600 44 5500 InterContinental Hotels Group - 1600 111 000 Marriott - 1600 22 0044 Sarovar Park Plaza Taj Holidays - 1600 111 825 Insurance =BRAMP Sanmar - 1600 44 2200 Aviva - 1600 33 224= Bajaj Allianz - 1600 22 5858 Chola MS General Insurance - 1600 44 5544 HDFC Standard Life - 1600 227 227 LIC - 1600 33 4433 Max New York Life = 1600 33 5577 Royal Sundaram - 1600 33 8899 SBI Life Insurance - 1600 22 9090 Mattresses =BRKurl-on - 1600 44 0404 Sleepwell=- 1600 11
!tHE mOST bTFULL cURRENCY nOTE!~!~!~
I’ve never considered money as something beautiful to look at, but I have to admit, some banknotes look better than others. Here are the top 10 most beautiful banknotes in the world, according to David Standish, author of The Art of Money: Top 10 currencies via CNBC 10. Faroe Islands (Kronurs) 9. Iceland (Kronurs) 8. Hong Kong (Hong Kong Dollars) 7. Cook Islands (Cook Island Dollars) 6. New Zealand (New Zealand Dollars) 5. Comoros (Comorian Franc) 4. Switzerland (Francs) 3. Sao Tome Principe (Dobras) 2. The Maldives (Rufiyaa) 1. The French Pacific Territories (Franc) They’re all interesting, I guess, but here are a few other nice looking banknotes from around the world, maybe even nicer than the ones in Mr. Standish’s top: [Photo Credits] [Photo Credits] -- ®Trust God, he knows ur future. He may not reveal it to you but he will walk with you as the future unfolds. Don't trust the stars, trust the one who made them. Gud Day!. -- -- __._,_.___ -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
A First Aid Kit [PDF file] [1 Attachment]
__._,_.___ 1 of 1 File(s) FIRST . __,_._,___ -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
BACKACHE / BACK PAIN
BACKACHE / BACK PAIN Backache is one of the most common ailments prevalent today. Sedentary living habits, hazardous work patterns and psychological conditions associated with emotional stress, which bring about spasm of the muscles, cause backaches. As the back bears the weight of the entire body, overweight persons feel the strain on the back when they have to carry an extra load. Symptoms of Backache or Back pain Pain in the middle of back or lower down In most cases of backache, the pain is usually felt either in the middle of the back or lower down. It may spread to both sides of the waist and the hips. In a condition of acute pain, the patient is unable to move and is bedridden. People suffer from cervical and lumbar spondylosis About ninety per cent of backache patients suffer from what is called cervical and lumbar spondylosis. It is a degenerative disorder in which the different vertebrae adhere to each other through bony unions. As a result of this, the spine loses its flexibility. Causes of Backache Muscular tension, straining of the joints, poor posture The main causes of backache and spondylosis are muscular tension, straining of the joints, poor posture, and incorrect nutrition resulting from dietetic errors and lack of exercise. Kidney or prostate problems, female disorders, influenza Acute or chronic illnesses like kidney or prostate problems, female disorders, Influenza, and arthritis, may also lead to backache. Sitting for a long time, high heels Other causes include stress and strain resulting from sitting for a long time, improper lifting of weights, high heels, and emotional problems which may cause painful muscle cramping. Home Remedies for Backache Backache treatment using Garlic The most important home remedy for backache is the use of garlic. Two or three cloves should be taken every morning to get results. An oil prepared from garlic and rubbed on the back will give great relief. This oil is prepared by frying ten cloves of garlic in 60 ml of oil in a frying pan. Any of the oils which are used as rubefacients, such as mustard oil. sesame oil, and coconut oil can be used according to one's choice. They should be fried on a slow fire till they are brown. After the oil has cooled, it should be applied vigorously on the back, and allowed to remain there for three hours. The patient may, thereafter, take a warm-water bath. This treatment should be continued for at least fifteen days. Backache treatment using Lemon Lemon is another useful remedy for backache. The juice of one lemon should be mixed with common salt and taken by the patient twice daily. It will give relief. Backache treatment using Chebulic Myroblan The use of chebulic myroblan is beneficial in the treatment of backache. A small piece of this fruit should be eaten after meals. This will give quick relief. Backache treatment using Vitamin C Vitamin C has proved valuable in case of severe backaches. About 2,000 mg of this vitamin should be taken daily for treating this condition. Considerable improvement will be noticeable within two days. Backache treatment using Potato Raw potato is an ancient home remedy for backache, characterised by incapacitating pain in the lumbar region, especially in the lower part of the back. Application of raw potato in the fom of a poultice has been found very effective in this condition. Dietaries for Backache Salad of raw vegetables, plenty of fruits The diet of those suffering from backache should consist of a salad of raw vegetables such as tomato, carrot, cabbage, cucumber, radish, lettuce, and, at least two steamed or lightly cooked vegetables such as cauliflower, cabbage, carrot, spinach, and plenty of fruits, except bananas. The patient should have four meals daily. Fruit and milk are advised for breakfast, steamed vegetables and wholewheat chapatis for lunch; fresh fruit or fruit juice in the evening; and a bowl of raw salad and sprouts during dinner. Avoid fatty, spicy fried foods and processed foods The patient should avoid fatty, spicy, and fried foods; curd, sweetmeats and sugar; condiments; and tea and coffee. Foods that have been processed for preservation have few nutrients and should also be eliminated from the diet. Other Backache treatments for back pains Avoid smoking and tobacco intake Smoking or taking tobacco in any from should be given up completely. Hot fomentation and alternate sponging Hot fomentation, alternate sponging, or application of heat to the back will also give immediate relief. Yogic asanas are also useful Yogic asanas which are beneficial in the treatment of backache are bhujangasana, shalabhasana, halasana, uttanpadasana and shavasana. . Raise your fitness level. If you have a back injury that does not require surgery, studies indicate your aerobic capacity level is the single most important predictor of getting better, Dr. Lovejoy says. In
New 15 Coach Superfast Trains (Printable Timetable) Dadar-Virar
New 15 Coach Superfast Trains Between Dadar-Virar New 15 Couch Superfast Local Trains For you OR your friends who travels in local trains hunting for this new 15 couch superfast trains. DOWN TRAINS Dadar - - - 13:56 16:26 - Andheri 07:30 10:04 - 14:11 16:42 18:50 Borivali 07:45 10:18 11:49 14:26 16:58 19:11 Vasai Road 08:05 10:37 12:09 14:47 17:20 19:32 Virar 08:18 10:50 12:22 15:00 - 19:45 UP TRAINS Virar 09:13 11:10 12:35 15:15 - - Vasai 09:24 11:21 12:46 15:26 17:32 - Borivali 09:42 11:40 13:05 15:46 17:54 20:05 Andheri 09:58 - 13:20 16:00 18:10 20:16 Dadar - - 13:36 16:16 - 20:36 DOWNLOAD PRINT More Free Stuff!! 1. Auto Taxi Tariff Chart Calc On Mobile, NEVER get cheated from fake tariff cards and loose Money, Download MeterDown Mobile Utility. 2. Oops What about updates Other upcoming free stuff ?? Simple, join our free SMS channel by typing 'ONspaceMumbai77' and send it to 9870807070. That's it, Not even subscribtion charges, Just send it as general sms and see the magic. -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
SIP Delivered better returns in 3 Yrs
Publication: Economic Times Mumbai; Date: Nov 25, 2009; Section: Markets; Page: 16 SIP investors beat equity MF peers in returns race While Top Equity Funds Gave 16-18% In 3 Yrs, SIPs Delivered 25-28% Shailesh Menon MUMBAI WHOEVER said volatility is bad for equity investments? Those who invested in mutual funds through the systematic investment plan (SIP) route have benefited the most from fluctuating share prices over the past 2-3 years. While top equity diversified funds have returned 16-18% in three years, SIP investors have earned returns in the range of 25-28% (investing into the same funds) during the same period. Supposing an investor has invested Rs 1,000 every month (between November 23, 2006 and November 23, 2009), he would have pocketed a 31% return on his Sundaram BNP SMILE Fund, 29% each on ICICI Prudential Discovery Fund and Birla Sunlife Dividend Yield Fund and 28% on his HDFC Equity Fund. The investor would have made more 'risk adjusted' money than investing directly into stocks (Sensex three-year return being 25% on a compounded basis). In all cases, the investor would have made more money than any high networth individual (HNI) who had invested lumpsum into any of the above funds, unless the HNI managed to enter at the lowest level. SIP portfolios have yielding better returns because of the deep-market correction in mid-2008. Volatility provides a perfect setting for high-return SIP investments, said Gopal Agarwal, equities head, Mirae Asset Investment. According to fund managers, though there will be a slight erosion in net asset value (NAV), a market crash will not have much of an impact on the overall performance of the SIP. In fact, investors get more units for the same amount of money in falling markets. The units bought at lower price-levels will appreciate when the market turns around, adding to the overall portfolio value. Lumpsum investors can only invest at one level of the market (in this case at 13,680 levels, Sensex as on November 23, 2006). Their investments went through a cycle of dips and surges, but they could not buy fresh units at lower market levels. The variance in the performance of SIP and lumpsum investments is mainly due to the fact that SIP investors would have picked up additional units during the downturn. SIPs route is ideal for small investors as it makes market fluctuations work for them, said Jaya Prakash K, head-products, Franklin Templeton Investments. Though one cannot make a direct comparison of benefits (between SIP and lumpsum MF investment), SIP is usually considered a sound investment strategy in rangebound as well as volatile markets, as you would not be locking your capital at one go. Performance of SIPs in the short term, however, depends on the extent of liquidity in the market, liquid cash position (non-invested part of the fund) and portfolio composition. Lumpsum investments (in MFs) look good in a constantly rising market; SIPs are better in falling and volatile markets, said Anand Shah, head-equities, Canara Robeco Asset Management. Over a longer term (10 years and more), both investment styles yield decent return pattern for investors. For instance, if you had made two investments at the peak level and at the trough level in a given month, the difference in return at the end of 10 years would be hardly 1%, Mr Shah added. It is in this context that wealth managers are asking affluent investors to adopt value averaging strategies while making lumpsum investments. In value averaging investment (VAI), the investor sets a target growth rate or amount for his portfolio each month, and then adjusts the next month's contribution according to the relative gain or shortfall made on the original asset base. Though VAI has no historical references, returns (asset growth) could well be very close (or a bit high) to those offered by investments through SIPs, say experts. With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=en.
Enjoy...Ink Bottles
ink Bottles -you would love this. Quite nice, enjoy 'Jacquie Lawson' Just click on the name above and when it opens click on one Ink Bottle and watch what happens !!! -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=.
Cox Kings Ltd - IPO Details
Hi, Please find below mentioned the details of Cox Kings Ltd IPO. Books Open : 18th November 2009, Wednesday Books Close : 20th November 2009, Friday Price Band :Rs.316- Rs.330. Lot Size :20 x multiples of 20 Equity Shares Total Issue Size- 1,84,96,640 Equity shares (~29.40% of post issue capital) Fresh Issue - 1,54,50,000 Equity Shares Offer For Sale - 30,46,640 Equity Shares by Lehman Brothers Opportunity Limited,Deutsche Securities Mauritius Ltd and Merrill Lynch Capital Markets Espana, S.A,,S.V. Employee Reservation - 2,00,000 Equity Shares Net Issue Size -1,82,96,640 Equity Shares (29.08% of Post issue capital) QIB Book - 50% of the Net issue size - Up to 91,48,320 shares Retail Book - 35% of Net issue size - Up to 64,03,824 shares HNI Book - 15% of Net issue size - Up to 27,44,496 shares Book Running Lead Managers : India Infoline Ltd Syndicate Member : Axis Bank Ltd With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds -- You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personal...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/better_personality?hl=.
Health : Spicy remedies with no side effects
Better than over the counter medicines, but see the doctor if continues to persist. CRAMPS You must do a self-massage using mustard oil every morning. Just take a little oil between your palms and rub it all over your body. Then take a shower. This is especially beneficial during winter. You could also mix a little mustard powder with water to make a paste and apply this on your palms and soles of your feet. HEADACHES. If you have a regular migraine problem, include five almonds along with hot milk in your daily diet. You could also have a gram of black pepper along with honey or milk, twice or thrice a day. Make an almond paste by rubbing wet almonds against a stone. This can be applied to forehead. Eat an apple with a little salt on an empty stomach everyday and see its wonderful effects. OR When headache is caused by cold winds, cinnamon works best in curing headache. Make a paste of cinnamon by mixing in water and apply it all over your forehead TURMERIC FOR ARTHRITIS. Turmeric can be used in treating arthritis due to its anti-inflammatory property. Turmeric can be taken as a drink other than adding to dishes to help prevent all problems. Use one teaspoon of turmeric powder per cup of warm milk every day. It is also used as a paste for local action. GOOD FOR THE HEART Turmeric lower cholesterol and by preventing the formation of the internal blood clots improves circulation and prevents heart disease and stroke. Turmeric can be taken as a drink other than adding to dishes to help prevent all problems. Use one teaspoon of turmeric powder per cup of warm milk every day. It is also used as a paste for local action. GOOD FOR INDIGESTION Turmeric can be used to relieve digestive problems like ulcers, dysentery. Turmeric can be taken as a drink other than adding to dishes to help prevent all problems. Use one teaspoon of turmeric powder per cup of warm milk every day. It is also used as a paste for local action. HONEY IS A GOOD CURE FOR ALL DISEASES Mix 1 teaspoon honey with ? teaspoon cinnamon powder and have at night. HICCUPS Take a warm slice of lemon and sprinkle salt, sugar and black pepper on it. The lemon should be eaten until the hiccups stop. HIGH BLOOD CHOLESTEROL In 1 glass of water, add 2 tbsps of coriander/dhania seeds and bring to a boil. Let the decoction cool for some time and then strain. Drink this mixture two times in a day. OR Sunflower seeds are extremely beneficial, as they contain linoleic acid that helps in reducing the cholesterol deposits on the walls of arteries. PILES Radish juice should be taken twice a day, once in the morning and then later in the night. Initially drink about ? cup of radish juice and then gradually increase it to ? cup. OR Soak 3-4 figs in a glass of water. Keep it overnight. Consume the figs on an empty stomach, the next day in the morning VOMITING Take 2 cardamoms/elachi and roast them on a dry pan (tava). Powder the cardamoms and thereafter add a tsp of honey in it. Consume it frequently. It serves as a fabulous home remedy for vomiting. OR In the mixture of 1 tsp of mint juice and 1 tsp limejuice, add ? tsp of ginger juice and 1 tsp honey. Drink this mixture to prevent vomiting. OR Limejuice is an effective remedy for vomiting. Take a glass of chilled limejuice and sip slowly. To prevent vomiting, drink ginger tea. OR In 1 glass water, add some honey and drink sip by sip. WARTS Apply castor oil daily over the problematic area. Continue for several months. OR Apply milky juice of fresh and barely-ripe figs a number of times a day. Continue for two weeks. OR Rub cut raw potatoes on the affected area several times daily. Continue for at least two weeks. OR Rub cut onions on the warts to stimulate the circulation of blood.. OR Apply milk from the cut end of dandelion over the warts 2-3 times a day. OR Apply oil extracted from the shell of the cashew nut over the warts. OR Apply Papaya juice OR Apply Pineapple juice. URINARY TRACT INFECTION In 8 oz of water, put ? tsp of baking soda and drink it. OR Drink plenty of water, as it aids in flushing out the waste products from the body. OR Drink Cranberry juice. You can also add some apple juice for taste. SINUSITIS Mango serves as an effective home remedy for preventing the frequent attacks of sinus, as it is packed with loads of vitamin A. OR Another beneficial remedy consists of consuming pungent foods like onion and garlic, as a part of your daily meals. OR Fenugreek/methi leaves are considered valuable in curing sinusitis. In 250 ml water, boil 1 tsp of Fenugreek seeds and reduce it to half. This will help you to perspire, dispel toxicity and reduce the fever period. OR Tie a tsp of black cumin seeds in a thin cotton cloth and inhale. TONSILLITIS Take a fresh lemon and squeeze it in a glass of water. Add 4 tsp of honey and ? tsp of salt in it. Drink it slowly sip by sip. OR Milk has proved beneficial
Home Remedies for BED BUGS
Bed Bugs You’ve probably read or heard about the horror stories associated with the small insects that feed on human blood in the night. They attack when you are sleeping and are quite adaptable in most of the environments catering to humans. This is the life of a bed bug and contrary to popular belief – they surround themselves beyond unsanitary and unkempt conditions – even striking the ritziest of five-star hotels. While professional extermination is almost always the only way to eliminate the problem, there are a few home remedies associated with the dreaded bed bug. What are Bed Bugs? Waiting until the night to attack their victims, the small nocturnal insect known as the bed bug belongs to the family Cimicidae, which is known to feed on blood. While humans are commonly referred to as the main sufferers of this pest, the bed bug also seeks out other warm-blooded hosts for their meals. With a past that traces back to ancient history, the common bed bug (Cimex lectularius) has learned to successfully adapt to the same living spaces as humans [1]. With a preference to temperate climates, the bed bug is often found in warm temperatures, especially in locales such as Florida and the tropics of West Africa and South America. It is there that various species of the bed bug infest poultry, bats, humans, and other types of birds. When the bed bug reaches maturity, it is reddish brown in color with a flattened, oval appearance. On their body, microscopic hairs give off a banded appearance. They possess no wings. Some people believe that bed bugs are so small that they cannot be seen by the naked eye. This is not the case, as some adults reach length of 4 to 5 millimeters (which translates into 1/8 to 3/16 of an inch). Their size is comparable to that of an apple seed. Since bed bugs are extremely shy and wary of others, an infestation of the insect is quite hard to pinpoint [2]. When feeding, the bed bug is typically active only at night with the most activity taking place an hour before dawn. Using two hollow tubes, the bed bug pierces the skin of their host and draws blood. One tube injects an anticoagulant into their victim, while the other tube is used for blood extraction. Average feeding times are about five minutes, where the bug then returns to their place of hiding. At the time of the bite, a victim is unaware, although late reactions come minutes to hours later. In the home, the bed bug seeks many different places to hide during the day, including linens, drapery, headboards, desks, nightstands, artwork frames, mattresses, and clothing [3]. With the use of a flashlight, you may find a bed bug crawling about at night. Additional signs, such as blood spots help detect an infestation. Signs of a Bed Bug Infestation [4] The best way to detect a bed bug infestation is to call upon a professional, who will complete an inspection of your home. In case you wish to analyze your surroundings before hiring someone out of the Yellow Pages, some of the signs to seek out include: a) Bug Bites: Even though you may display bed bug bites on your body that occur during the night, this is not a sure sign that a bed bug was the culprit. b) Blood: The sight of dried blood (referred to as fecal spots) may appear on the box spring, behind the headboard, as well as about the seams of a mattress. c) Bed Bug Skins: A bed bug sheds skin during their nymphal stage, which looks like a hollowed-out bug. d) Bed Bug Eggs: About 1 millimeter in length, the eggs of the bed bug are rather difficult to pinpoint, but are still visible – resembling the shape of rice. Risk Factors Bed bugs do not feed on dirt, debris, or crumbs, meaning an unclean environment is not the primary target for the insect to dwell. Bed bugs feed on blood and it is advantageous for them to seek out places where warm-blooded individuals are present. This is why places, such as hospitals, hotels, motels, inns, and cruise ships are perfect living quarters for a bed bug. When bed bugs find their way into a home, there are plenty of different methods to their madness. When guests of a hotel settle in for the night, bed bugs may climb into their luggage, where they are then transported to a new environment. Bed bugs also travel by way of used furniture purchased at a garage sale or thrift shop. The same is true with used clothing, as bed bugs are known to hide in the crevices and folds of material. In multi-unit dwellings, such as condominiums and apartment buildings, bed bugs find their way throughout the premises by moving about the walls, cracks, pipes, and wires. New residents may bring bed bugs into a living space through their moving boxes, mattresses, pillows, and other belongings. Negative Effects of Bed Bugs The pathogens
Fruits that heal ...
Fruits that heal ... Corn Corn Lower cholesterol, Boost energy levels Corn contains a type of dietary fiber called soluble fiber. When you eat corn, this fiber binds with bile, a cholesterol- laden digestive fluid produced by the liver. Since soluble fiber isn't readily absorbed by the body, it passes out of the body, taking cholesterol with it. We all heard a lot about how oat and wheat bran can lower cholesterol. Corn bran is in the same league. In a study at Illinois State University in Normal, researchers put 290 men with high cholesterol on low-fat diets. After two weeks on the diet, some of the men were each given 20 grams ( almost ½ tablespoon) of corn bran a day, while others received similar amount of wheat bran. During the six-week study, those on the corn bran plan had a drop in cholesterol of more than 5 % and about a 13% drop in triglycerides, blood fats that in large amounts can contribute to heart disease. Those who were given wheat bran showed no change beyond the initial drop caused by being on a low-fat diet. The beauty of corn is that it provides a lot of energy while delivering a small amount of calories. Corn is an excellent source of thiamin, a B vitamin that's essential for converting food to energy. An ear of corn provides 0.2 milligram of thiamin, 13 % of Daily Value. And since fresh sweet corn consists primarily of simple and complex carbohydrates, it's a superb energy source. It fulfills our energy needs without providing us with substantial amount of fat. What little fats there are in corn are the polyunsaturated and monounsaturated kinds, which are far healthier than the saturated fats. Not all corn is created equal. Whereas yellow corn has more than 2 grams of fiber per serving, white corn more than doubles that, with a bit more than 4 grams per ear. When you buy corn, look for ears that have full, plump kernels and purchase it at the optimum stage of maturity. Under those conditions, the level of nutrients is higher. Lemons and Limes Lemons and Limes Heal cuts and bruises, Prevent cancer and heart disease You may not like tartness of lemons and limes, but back in the nineteen century people literally craved them, not for the tart taste but for remarkable health benefits these colorful fruits contain. British sailors, for example, who typically spent months at sea without fresh fruits or vegetables, would drink lime juice to prevent scurvy, a terrible disease caused by vitamin C deficiency. And in California during the Gold Rush, when fruits were equally scarce, miners paid top dollar for lemons. Of all nutrients we're most familiar with, vitamin C is perhaps the most impressive. During cold season it's always in demand, since it lowers levels if histamine, a naturally occurring chemical that can cause red eyes and runny noses. Vitamin C is also a powerful antioxidant, meaning that it helps disarm powerful oxygen molecules in the body that contribute to cancer and heart disease. The body also uses vitamin C to manufacture collagen, the staff that glues cells together and is needed to help heal cuts and wounds. The pulp and juice from lemons and limes are rich sources of vitamin C. A large lemon, for example contains about 45 milligrams of vitamin C, limes are also good, with s small lime containing about 20 milligrams of vitamin C. There is more to lemons and limes than just vitamin C. These citrus fruits also contain additional compounds such as limonin and limonene, which help to block some of the cellular changes that can lead to cancer. Limonene, which is found mainly in the colorful skin, or zest, of the fruit, has been shown to increase the activity of proteins that help eliminate estradiol, a naturally occurring hormone that has been linked with breast cancer. Limonene has also been shown to increase the level of enzymes in the liver that can remove cancer-causing chemicals. Some innovative organic food companies add citrus zest to baking flower to provide added health benefits. Whether you're making a lemon meringue pie or simply adding flavor to store-bought lemon yogurt, be sure to add plenty of zest. The healing compound limonene makes up about 65% of oils in the peel. While fresh citrus peel contains the most healing compounds, dried lemon peel isn't bad and you can find dried lemon peel in the spice rack at the supermarket. Avocado Avocado Control cholesterol, Lower blood pressure, Prevent birth defects Avocado has more calories than almost any fruit on the planet – 731! Its also has the dubious distinction of being one of the few fruits with a measurable fat content, with up to 30 grams each. That's the daily recommended amount for an average adult. You wouldn't think that a food that's so
useful E-Government Links
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FestiVaL of lights...From Darkness Unto Light...!!!!!
FestiVaL of lights...From Darkness Unto Light... ! Deepawali or Diwali is certainly the biggest an the brightest of all Hindu festivals. It's the festival of lights (deep = light and avali = a row i.e., a row of lights) that's marked by four days of celebration, which literally illumines the country with its brilliance, and dazzles all with its joy. Each of the four days in the festival of Diwali is separated by a different tradition, but what remains true and constant is the celebration of life, its enjoyment and goodness. Historically, the origin of Diwali can be traced back to ancient India, when it was probably an important harvest festival. However, there are various legends pointing to the origin of Diwali. Some believe it to be the celebration of the marriage of Lakshmi with Lord Vishnu. Whereas in Bengal the festival is dedicated to the worship of Mother Kali, the dark goddess of strength. Lord Ganesha, the elephant-headed God, the symbol of auspiciousness and wisdom, is also worshipped in most Hindu homes on this day. In Jainism, Deepawali has an added significance to the great event of Lord Mahavira attaining the eternal bliss of nirvana. Diwali also commemorates the return of Lord Rama along with Sita and Lakshman from his fourteen year long exile and vanquishing the demon-king Ravana. In joyous celebration of the return of their king, the people of Ayodhya, the Capital of Rama, illuminated the kingdom with earthen diyas (oil lamps) and burst crackers. The Significance of Lights Firecrackers All the simple rituals of Diwali have a significance and a story to tell. The illumination of homes with lights and the skies with firecrackers is an expression of obeisance to the heavens for the attainment of health, wealth, knowledge, peace and prosperity. According to one belief, the sound of fire-crackers are an indication of the joy of the people living on earth, making the gods aware of their plentiful state. Still another possible reason has a more scientific basis: the fumes produced by the crackers kill a lot of insects and mosquitoes, found in plenty after the rains From Darkness Unto Light... In each legend, myth and story of Deepawali lies the significance of the victory of good over evil; and it is with each Deepawali and the lights that illuminate our homes and hearts, that this simple truth finds new reason and hope. From darkness unto light — the light that empowers us to commit ourselves to good deeds, that which brings us closer to divinity. During Diwali, lights illuminate every corner of India and the scent of incense sticks hangs in the air, mingled with the sounds of fire-crackers, joy, togetherness and hope. Diwali is celebrated around the globe. Outside India, it is more than a Hindu festival, it's a celebration of South-Asian identities. If you are away from the sights and sounds of Diwali, light a diya, sit quietly, shut your eyes, withdraw the senses, concentrate on this supreme light and illuminate the soul. Here is the text of the hymn sung during Diwali in honor of Goddess Lakshmi. Jai lakshmi maataa, Maiyaa jaya lakshmi maataa Tumako nishadina dhyaavata, Hara vishnu vidhaataa Brahmaanii, rudraanii, kamalaa, Tuuhii hai jaga maataa Suurya chandramaa dhyaavata, Naarada rishi gaataa Durgaa ruupa nirantara, Sukha sampati daataa Jo koi tumako dhyaavata, Riddhi siddhi dhana paataa Tuuhii hai paataala basantee, Tuuhii shubha daataa Karma prabhaava prakaashak, Jaganidhi ke traataa Jisa ghara mein tuma rahatii, Saba sadaguna aataa Kara na sake soyee kara le, Mana nahin ghabaraataa Tuma bina yagya na hove, Vastra na koii paataa Khaana paana kaa vaibhava, Saba tumase hii aataa Shubha guna mandira sundara, Ksheerodadhi jaataa Ratana chaturdasha tuma hii, Koii nahiin paataa Aartii lakshmii jii kii, Jo koii nara gaataa Ura aananda umanga ati, Paapa utara jaataa 10 Reasons to Celebrate Diwali 1.Goddess Lakshmi’s Birthday: The Goddess of wealth, Lakshmi incarnated on the new moon day (amaavasyaa) of the Kartik month during the churning of the ocean (samudra-manthan) , hence the association of Diwali with Lakshmi. 2. Vishnu Rescued Lakshmi:On this very day (Diwali day), Lord Vishnu in his fifth incarnation as Vaman-avtaara rescued Lakshmi from the prison of King Bali and this is another reason of worshipping Ma Larkshmi on Diwali. 3. Krishna Killed Narakaasur: On the day preceding Diwali, Lord Krishna killed the demon king Narakaasur and rescued 16,000 women from his captivity. The celebration of this freedom went on for two days including the Diwali day as a victory festival. 4. The Return of the Pandavas: According to the great epic ‘Mahabharata’, it was ‘Kartik Amavashya’ when the Pandavas appeared from their
Reliance 1:1 Bonus and Dividend Rs.13
Dear all Reliance Industries Ltd. Borad okays 1:1 Bonus Shares and also declared a dividend of Rs.13/- per share With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/better_personality?hl=en -~--~~~~--~~--~--~---
The best medical certificate
Best Medical Certificate- I really liked it...awesome...hope u wud try this for ur NEXT SL. Doctor Certified Certified that Mr. /Miss _, working in your organization, is suffering from 'time-bound' illness. Due to this, he will NOT be able to work more than 8 hours a day and 5 days a week. Any attempt to stretch beyond this timing will lead to severe health problems. The losses to the company due to medical reimbursements will be far more compared to the gains made by stretching beyond 8 hours. It is also warned to keep my patient away from any kind of shocking news such as Come over weekend.., Let's work on holiday.., Leave cannot be granted. . etc. Which can directly lead to heart strokes. In view of the above, it is strongly recommended to adjust your deadlines in accordance with the convenience of my patient. Sd/- Dr. Impatient Cyber Clinic --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/better_personality?hl=en -~--~~~~--~~--~--~---
Cost Inflation Index for 2009-10 is 632
Dear Friends The Cost Inflation Index for 2009-10 has been notified as 632 Copy of the Notification is enclosed herewith for your reference == NOTIFICATION NO. 67/2009, DATED September 9, 2009 In exercise of the powers conferred by clause (v) of the Explanation to section 48 of the Income-tax Act, 1961 (43 of 1961), the Central Government, hereby specifies the Cost Inflation Index for the Financial Year commencing from the 1st day of April, 2009 and ending on the 31st day of March, 2010 and for that purpose further makes the following amendment in the notification of the Government of India in the Ministry of Finance (Department of Revenue), Central Board of Direct Taxes number S.O.709(E), dated the 20th August, 1998, namely:- In the said notification, in the Table, after serial number 28 and the entries relating, thereto, the following serial number and entries shall be inserted, namely :- __ 29 2009-10 632 ___ F.No.142/13/2009-TPL (Vijay Kumar Jaiswal) Under Secretary (TPL-IV) Note :- The principal notification was published in the Gazette of India, Extraordinary, Part II, Section 3, Sub-section(ii), vide number S.O.709(E), dated the 20th August, 1998 and was last amended vide number S.O. 2037(E), dated the 13th August, 2008. FULL CHART OF COST INFLATION INDEX OF 1981-2009 IS GIVEN BELOW COST INFLATION INDEX Financial Year Cost Inflation Index Financial Year Cost Inflation Index 1981-1982 100 1995-1996 281 1982-1983 109 1996-1997 305 1983-1984 116 1997-1998 331 1984-1985 125 1998-1999 351 1985-1986 133 1999-2000 389 1986-1987 140 2000-2001 406 1987-1988 150 2001-2002 426 1988-1989 161 2002-2003 447 1989-1990 172 2003-2004 463 1990-1991 182 2004-2005 480 1991-1992 199 2005-2006 497 1992-1993 223 2006-2007 519 1993-1994 244 2007-2008 551 1994-1995 259 2008-2009 582 2009-2010 632 With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/better_personality?hl=en -~--~~~~--~~--~--~---
H1N1 BOOKLET [1 Attachment]
__._,_.___ 1 of 1 File(s) H1N1 Flu Booklet.pdf . __,_._,___ --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/better_personality?hl=en -~--~~~~--~~--~--~---
direct tax code
__._,_.___ 1 of 1 File(s) DirectTaxesCode20Bill2009.pdf . __,_._,___ With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and Capital Gains Bonds --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to better_personality@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/better_personality?hl=en -~--~~~~--~~--~--~---
cough it up
A dad walks into a market with his young son. The kid is holding a coin. Suddenly, the boy starts choking and gasping for breath. The dad realizes the boy has swallowed the coin and starts panicking, shouting for help. A well dressed, attractive, but serious looking woman in a blue business suit is sitting at a cafe in the market reading her newspaper and sipping a cup of coffee. At the sound of the commotion, she looks up, puts her coffee cup down on the saucer, neatly folds the newspaper, places it on the counter, gets up from her seat and makes her way, unhurried, across the market. Reaching the boy, the woman carefully takes hold of the boy's testicles and starts to squeeze, gently at first and then ever more firmly. After a few seconds the boy convulses violently and coughs up the coin, which the woman deftly catches in her free hand. Releasing the boy, she hands the coin to the father and walks back to her seat in the cafe without saying a word. As soon as he is sure that his son has suffered no lasting ill effects, the father rushes over to the woman and starts thanking her saying, I've never seen anybody do anything like that before, it was fantastic. Are you a doctor? No, the woman replied, I work for the Income Tax Dept! --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
Facts on Honey and Cinnamon
Facts on Honey and Cinnamon: It is found that a mixture of honey and cinnamon cures most diseases. Honey is produced in most of the countries of the world. Scientists of today also accept honey as a 'Ram Ban' (very effective) medicine for all kinds of diseases. Honey can be used without any side effects for many kind of diseases...but Diabetics beware. Weekly World News, a magazine in Canada, in its issue dated 17 January, 1995 has given the following list of diseases that can be cured by honey and cinnamon as researched by western scientists: HEART DISEASES: Make a paste of honey and cinnamon powder, apply on bread, instead of jelly and jam, and eat it regularly for breakfast. It reduces the cholesterol in the arteries and saves the patient from heart attack. Also those who have already had an attack, if they do this process daily, they are kept miles away from the next attack. Regular use of the above process relieves loss of breath and strengthens the heart beat. In America and Canada , various nursing homes have treated patients successfully and have found that as you age, the arteries and veins lose their flexibility and get clogged; honey and cinnamon revitalize the arteries and veins. ARTHRITIS: Arthritis patients may take daily, morning, and night, one cup of hot water with two spoons of honey and one small teaspoon of cinnamon powder. If taken regularly even chronic arthritis can be cured. In a recent research conducted at the Copenhagen University, it was found that when the doctors treated their patients with a mixture of one tablespoon Honey and half teaspoon of Cinnamon powder before breakfast, they found that within a week, out of the 200 people so treated, practically 73 patients were totally relieved of pain, and within a month, mostly all the patients who could not walk or move around because of arthritis started walking without pain. BLADDER INFECTIONS: Take two tablespoons of cinnamon powder and one teaspoon of honey in a glass of lukewarm water and drink it. It destroys the germs in the bladder. CHOLESTEROL: Two tablespoons of honey and three teaspoons of Cinnamon Powder mixed in 16 ounces of tea water, given to a cholesterol patient, were found to reduce the level of cholesterol in the blood by 10 percent within two hours. As mentioned, for arthritic patients, if taken three times a day, any chronic cholesterol is cured. According to information received in the journal, pure honey taken with food daily relieves complaints of cholesterol. COLDS: Those suffering from common or severe colds should take one tablespoon lukewarm honey with 1/4 spoon cinnamon powder daily for three days. This process will cure most chronic cough, cold and clear the sinuses. UPSET STOMACH: Honey taken with cinnamon powder cures stomach ache and also clears stomach ulcers from the root. GAS: According to the studies done in India and Japan , it is revealed that if honey is taken with cinnamon powder the stomach is relieved of gas. IMMUNE SYSTEM: Daily use of honey and cinnamon powder strengthens the immune system and protects the body from bacteria and viral attacks. Scientists have found that honey has various vitamins and iron in large amounts. Constant use of honey strengthens the white blood corpuscles to fight bacteria and viral diseases. INDIGESTION: Cinnamon powder sprinkled on two tablespoons of honey taken before food relieves acidity and digests the heaviest of meals. INFLUENZA: A scientist in Spain has proved that honey contains a natural 'Ingredient' which kills the influenza germs and saves the patient from flu. LONGEVITY: Tea made with honey and cinnamon powder, when taken regularly, arrests the ravages of old age. Take four spoons of honey, one spoon of cinnamon powder and three cups of water and boil to make like tea. Drink 1/4 cup, three to four times a day. It keeps the skin fresh and soft and arrests old age. Life spans also increase and even a 100 year old, starts performing the chores of a 20-year-old. PIMPLES: Three tablespoons of honey and one teaspoon of cinnamon powder paste. Apply this paste on the pimples before sleeping and wash it off next morning with warm water. If done daily for two weeks, it removes pimples from the root. SKIN INFECTIONS: Applying honey and cinnamon powder in equal parts on the affected parts cures eczema, ringworm and all types of skin infections. WEIGHT LOSS: Daily in the morning one half hour before breakfast on an empty stomach and at night before sleeping, drink honey and cinnamon powder boiled in one cup of water. If taken regularly, it reduces the weight of even the most obese person. Also, drinking this mixture regularly does not allow the fat to accumulate in the body even though the person may eat a high calorie diet. CANCER: Recent research in Japan and
All About ThyRoid
The thyroid is a butterfly-shaped gland that sits low on the front of the neck. Your thyroid lies below your Adam’s apple, along the front of the windpipe. The thyroid has two side lobes, connected by a bridge (isthmus) in the middle. When the thyroid is its normal size, you can’t feel it. Brownish-red in color, the thyroid is rich with blood vessels. Nerves important for voice quality also pass through the thyroid. The thyroid secretes several hormones, collectively called thyroid hormones. The main hormone is thyroxine, also called T4. Thyroid hormones act throughout the body, influencing metabolism, growth and development, and body temperature. During infancy and childhood, adequate thyroid hormone is crucial for brain development. Thyroid Conditions a.. Goiter: A general term for thyroid swelling. Goiters can be harmless, or can represent iodine deficiency or a condition associated with thyroid inflammation called Hashimoto’s thyroiditis. b.. Thyroiditis: Inflammation of the thyroid, usually from a viral infection or autoimmune condition. Thyroiditis can be painful, or have no symptoms at all. c.. Hyperthyroidism: Excessive thyroid hormone production. Hyperthyroidism is most often caused by Graves disease or an overactive thyroid nodule. d.. Hypothyroidism: Low production of thyroid hormone. Thyroid damage caused by autoimmune disease is the most common cause of hypothyroidism . e.. Graves disease: An autoimmune condition in which the thyroid is overstimulated, causing hyperthyroidism. f.. Thyroid cancer: An uncommon form of cancer, thyroid cancer is usually curable. Surgery, radiation, and hormone treatments may be used to treat thyroid cancer. g.. Thyroid nodule: A small abnormal mass or lump in the thyroid gland. Thyroid nodules are extremely common. Few are cancerous. They may secrete excess hormones, causing hyperthyroidism, or cause no problems. h.. Thyroid storm: A rare form of hyperthyroidism in which extremely high thyroid hormone levels cause severe illness. Thyroid Tests a.. Anti-TPO antibodies: In autoimmune thyroid disease, proteins mistakenly attack the thyroid peroxidase enzyme, which is used by the thyroid to make thyroid hormones. b.. Thyroid ultrasound: A probe is placed on the skin of the neck, and reflected sound waves can detect abnormal areas of thyroid tissue. c.. Thyroid scan: A small amount of radioactive iodine is given by mouth to get images of the thyroid gland. Radioactive iodine is concentrated within the thyroid gland. d.. Thyroid biopsy: A small amount of thyroid tissue is removed, usually to look for thyroid cancer. Thyroid biopsy is typically done with a needle. e.. Thyroid stimulating hormone (TSH): Secreted by the brain, TSH regulates thyroid hormone release. A blood test with high TSH indicates low levels of thyroid hormone (hypothyroidism) , and low TSH suggests hyperthyroidism. f.. T3 and T4 (thyroxine): The primary forms of thyroid hormone, checked with a blood test. g.. Thyroglobulins: A substance secreted by the thyroid that can be used as a marker of thyroid cancer. It is often measured during follow-up in patients with thyroid cancer. High levels indicate recurrence of the cancer. h.. Other imaging tests: If thyroid cancer has spread (metastasized) , tests such as CT scans, MRI scans, or PET scans can help identify the extent of spread. Thyroid surgery (thyroidectomy) : A surgeon removes all or part of the thyroid in an operation. Thyroidectomy is performed for thyroid cancer or hyperthyroidism. Antithyroid medications: Drugs can slow down the overproduction of thyroid hormone in hyperthyroidism. Two common antithyroid medicines are methimazole and propylthiouracil. Radioactive iodine: Iodine with radioactivity that can be used in low doses to test the thyroid gland or destroy an overactive gland.. Large doses can be used to destroy cancerous tissue.External radiation: A beam of radiation is directed at the thyroid, on multiple appointments. The high-energy rays help kill thyroid cancer cells. Thyroid hormone pills: Daily treatment that replaces the amount of thyroid hormone you can no longer make. Thyroid hormone pills treat hypothyroidism, and are also used to help prevent thyroid cancer from coming back after treatment. Recombinant human TSH: Injecting this thyroid-stimulating agent can make thyroid cancer show up more clearly on imaging __._,_.___. __,_._,___ With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in Dealing in Mutual Funds, General Life Insurance Products, Post Office Schemes, Fixed Deposits, I.P.Os., and
Puzzle
Below is 99, moving and adding two lines, can you turn this into 25? With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~--- attachment: clip_image001.gif
HeartSpeaks Love and Anger
A saint asked his disciples, 'Why do we shout in anger? Why do people shout at each other when they are upset?' Disciples thought for a while, one of them said, 'Because we lose our calm, we shout for that.' 'But, why to shout when the other person is just next to you?' asked the saint. 'Isn't it possible to speak to him or her with a soft voice? Why do you shout at a person when you're angry?' Disciples gave some other answers but none satisfied the saint. Finally he explained, 'When two people are angry at each other, their hearts distance a lot. To cover that distance they must shout to be able to hear each other. The angrier they are, the stronger they will have to shout to hear each other through that great distance.' Then the saint asked, 'What happens when two people fall in love? They don't shout at each other but talk softly, why? Because their hearts are very close. The distance between them is very small...' The saint continued, 'When they love each other even more, what happens? They do not speak, only whisper and they get even closer to each other in their love. Finally they even need not whisper, they only look at each other and that's all. That is how close two people are when they love each other.' So true is it not ? With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
Medical Benefits of Drinking Water On Empty Stomach.. Must Read and Forward to All your Friends
Medical Benefits of Drinking Water On Empty Stomach. Must Read and Forward to All your Friends.. DRINK WATER ON EMPTY STOMACH: It is popular in Japan today to drink water immediately after waking up every morning. Furthermore, scientific tests have proven its value. We publish below a description of use of water for our readers. For old and serious diseases as well as modern illnesses the water treatment had been found successful by a Japanese medical society as a 100% cure for the following diseases: Headache, body ache, heart system, arthritis, fast heart beat, epilepsy, excess fatness, bronchitis asthma, TB, meningitis, kidney and urine diseases, vomiting, gastritis, diarrhea, piles, diabetes, constipation, all eye diseases, womb, cancer and menstrual disorders, ear nose and throat diseases. METHOD OF TREATMENT 1. As you wake up in the morning before brushing teeth, drink 4 x 160ml glasses of water 2. Brush and clean the mouth but do not eat or drink anything for 45 minute 3. After 45 minutes you may eat and drink as normal. 4. After 15 minutes of breakfast, lunch and dinner do not eat or drink anything for 2 hours 5. Those who are old or sick and are unable to drink 4 glasses of water at the beginning may commence by taking little water and gradually increase it to 4 glasses per day. 6. The above method of treatment will cure diseases of the sick and others can enjoy a healthy life. The following list gives the number of days of treatment required to cure/control/ reduce main diseases: 1. High Blood Pressure (30 days) 2. Gastric (10 days) 3. Diabetes (30 days) 4. Constipation (10 days) 5. Cancer (180 days)6. TB (90 days) 7. Arthritis patients should follow the above treatment only for 3 days in the 1st week, and from 2nd week onwards daily. This treatment method has no side effects, however at the commencement of treatment you may have to urinate a few times. It is better if we continue this and make this procedure as a routine work in our life. Drink Water and Stay healthy and Active. This makes sense.. The Chinese and Japanese drink hot tea with their meals.. not cold water. Maybe it is time we adopt their drinking habit while eating!!! Nothing to lose, everything to gain. For those who like to drink cold water, this article is applicable to you. It is nice to have a cup of cold drink after a meal. However, the cold water will solidify the oily stuff that you have just consumed.. It will slow down the digestion. Once this 'sludge' reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food. It will line the intestine. Very soon, this will turn into fats and lead to cancer. It is best to drink hot soup or warm water after a meal. A serious note about heart attacks: Women should know that not every heart attack symptom is going to be the left arm hurting, Be aware of intense pain in the jaw line. You may never have the first chest pain during the course of a heart attack. Nausea and intense sweating are also common symptoms. 60% of people who have a heart attack while they are asleep do not wake up. Pain in the jaw can wake you from a sound sleep. Let's be careful and be aware. The more we know, the better chance we could survive... A cardiologist says if everyone who gets this mail sends it to everyone they know, you can be sure that we'll save at least one life. With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in . --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
blood pressure
What is Blood Pressure? Blood pressure is the force created by the heart as it pushes blood into the arteries and the circulatory system. When the heart pumps, it causes blood to flow through the arteries and into the arterioles. As the blood goes through the arterioles, the arterioles either contract or expand altering both the amount of blood flow and the resistance to blood flow. If the arterioles remain in a contracted form, they create high blood pressure. The heart must then pump harder because the arterioles are exerting a greater resistance to blood flow. High blood pressure is often called the silent killer. High blood pressure is called this because there are usually no symptoms. Very high blood pressure can also cause arteries to bulge (aneurysm) or burst (hemorrhage) . Blood Pressure and Heart Disease High blood pressure is a risk for both heart disease and stroke. Unfortunately, high blood pressure usually has no specific symptoms and no early warning signs. It directly increases the risk of heart disease.. High blood pressure is a risk for heart disease because the heart is working harder than normal thus putting the heart and the arteries under a greater strain. When the heart is forced to work harder for long periods of time, the heart becomes enlarged. A heart that is slightly enlarged may function okay but a severely enlarged heart has a hard time pumping a sufficient amount of blood. High blood pressure is also a risk for strokes. It is estimated that over 60 million Americans have high blood pressure. Of this 60 million, about 35 percent don't know they have it. Blood pressure and Kidney disease High blood pressure and kidney disease are closely related. High blood pressure is a common cause of kidney failure in Australia . One mechanism for this is the production of a hormone called 'renin' by the kidneys. If the kidneys aren't functioning properly, renin can be produced inappropriately, raising the blood pressure. If high blood pressure is left unchecked, it can cause blood vessels in the kidneys to become thickened and narrowed, possibly leading to reduced blood supply and reduced kidney function. Blood Pressure as a Tool Blood pressure is an important diagnostic index, especially of circulatory function. It is an important diagnostic index for many reasons. Firstly, any condition that dilates or contracts the blood vessels or affects their elasticity, affects the blood pressure. Secondly, any disease of the heart that interferes with its pumping power, affects the blood pressure. In a healthy animal, the blood pressure normal for its species is maintained within a certain range with great constancy. Thus if blood pressure is abnormally low or high, it usually indicates that greater health problems are present. How is Blood pressure Measured? Blood pressure is measured at two points, a high point and a low point. The high point is the point at which the heart contracts to empty its blood into the circulation, called systole. The low point is the point at which the heart relaxes to fill with blood returned by the circulation, called diastole. Pressure is measured in millimeters (mm) of mercury by an instrument called a sphygmomanometer. In humans, blood pressure doesn't vary greatly. In healthy persons, blood pressure increases from about 80/45 in infants, to about 120/80 at age 30, to about 140/85 at age 40 and over. Blood pressure increases with age because the arteries loose elasticity.. Abnormally high blood pressure (hypertension) is considered a contributory cause of arteriosclerosis. Abnormally low blood pressure (hypotension) is observed in infectious and wasting diseases, hemorrhage, and persons who have collapsed. Causes of High Blood Pressure? In about 10 percent of patients, the disease can be traced to specific causes: heredity, kidney abnormalities, adrenal gland tumors, diabetes, chronic kidney disease, hormone abnormalities, use of birth control pills, pregnancy or a congenital narrowing of the aorta. This is called secondary hypertension. In the other 90 percent of patients, the cause is unknown and is referred to essential hypertension. Does Blood Pressure stay the same? No. Your blood pressure varies all the time to meet your body's needs. The pressure will be different when you get up in the morning, to when you are relaxing, exercising or sleeping. Blood pressure is usually at its highest when we exercise, and lowest when we sleep. Blood pressure can also rise due to anxiety, excitement, activity or nervousness. In general, blood pressure remains fairly constant throughout the day. How to Decrease Blood Pressure There are many ways to decrease blood pressure. Blood pressure can be decreased if a person exercises, doesn't smoke,
My Mother
My Mother This story begins when I was a child. I was born poor. Often we hadn't enough to eat. Whenever we had some food, Mother often gave me her portion of rice. While she was transferring her rice into my bowl, she would say 'Eat this rice, son! I'm not hungry.' This was my mother's first lie. As I grew, mother gave up her spare time to cultivate vegetables on a small patch of land near our home.. She hoped that she could give me some nutritious food for my growth. She would make delicious soups from the best of the seasonal crops she was able to grow. While I was eating the soup, mother would sit beside me and eat what was still left in the bowl. My heart was touched when I saw it. Once I gave her half my share but she immediately refused it and said, 'Please eat this soup, son! I don't really like soup so much.' This was my mother's second lie. Then, in order to fund my education, mother went to a match factory to bring home some used matchboxes, which she filled with fresh matchsticks. This helped her get some money to cover our needs. One wintry night, I awoke to find mother filling the matchboxes by candlelight. So I said, 'Mother, go to sleep; it's late, you can continue working tomorrow morning.' Mother smiled and said, 'Go to sleep, son! I'm not tired.' This was my mother's third lie. When I had to sit for my final examination, mother accompanied me. After dawn, mother waited for me for hours in the heat of the Sun. When the bell rang, I ran to meet her… Mother embraced me and poured me a glass of tea that she had prepared in a thermos. The tea was not as strong as my mother's love. Seeing mother covered with perspiration, I at once gave her my glass and asked her to drink too. Mother said 'Drink, son! I'm not thirsty!' This was my mother's fourth lie. After my father's death, mother had to play the role of a single parent. She held on to her former job and somehow had to make ends meet alone. Our family's status was precarious and many a time we suffered from starvation. Seeing our family's condition worsening, my kind Uncle, who lived near my house, offered to help us solve our problems, big and small. Our other neighbors saw that we were poverty stricken, so they often advised my mother to marry again. But mother refused to remarry saying, 'I don't need love.' This was my mother's fifth lie. After I had finished my studies and found a job, it was time for my old mother to retire, but she carried on going to the market every morning just to sell a few vegetables. I kept sending her money, but she was steadfast and even sent the amount back to me! She said, 'I have enough money.' That was my mother's sixth lie. I continued my part-time studies for my master's degree.. Funded by the American Corporation for which I worked, I succeeded in my studies. With a big jump in my salary, I decided to bring mother to enjoy life in America. But mother didn't want to bother her son; she said to me: ‘I don’t want a comfortable life.' That was my mother's seventh lie. In her dotage, Mother was attacked by cancer and had to be hospitalized. Now, living far across the ocean, I went home to visit mother who was bedridden after an operation. Mother tried to smile, but I was heartbroken because she was so thin and feeble. But mother said, 'Don't cry, son! I'm not in any pain.' That was my mother's eighth lie! Telling me this, her eighth lie, she died. Yes, my mother was an angel! It is for this reason that they define Mother this way – M - O - T - H - E - R 'M' is for the Million things she gave me; 'O' means she became Old as she gave her life for me; 'T' is for the Tears she shed to save me; 'H' is for her Heart of gold; 'E' is for her Eyes with love-light shining in them; ‘R' means the Righteous and exemplary life she lead. Put them all together, they spell 'MOTHER' - a word that means the world to me. With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at
Railway-Booking-Guide [3 Attachments]
__._,_.___ 3 of 3 File(s) 5463899-train-name-index.pdf 13638574-Train-Number-Index.pdf 10416379-Railway-Booking-Guide.pdf. With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
Nokia mobile shortcuts
Nokia mobile shortcuts By pressing x + # (where x is any number) will show the telephone number stored in that particular location. For example, pressing 125 in idle mode and then pressing # later, will show the 125th number stored when the number are entered in your phone-book. *3370# Activate Enhanced Full Rate Codec (EFR) - Your phone uses the best sound quality but talk time is reduced my approx. 5% #3370# Deactivate Enhanced Full Rate Codec (EFR) OR *3370# ( Favourite ) *#4720# Activate Half Rate Codec - Your phone uses a lower quality sound but you should gain approx 30% more Talk Time. *#4720# Deactivate Half Rate Codec. *## Displays your phones software version, 1st Line : Software Version, 2nd Line : Software Release Date, 3rd Line : Compression Type. ( Favourite ) *## Phones software version if *## does not work. *#06# For checking the International Mobile Equipment Identity (IMEI Number). ( Favourite ) #pw+1234567890+ 1# Provider Lock Status. (use the * button to obtain the p,w and + symbols). #pw+1234567890+ 2# Network Lock Status. (use the * button to obtain the p,w and + symbols). #pw+1234567890+ 3# Country Lock Status. (use the * button to obtain the p,w and + symbols) #pw+1234567890+ 4# SIM Card Lock Status. (use the * button to obtain the p,wand + symbols). *#147# (vodafone) this lets you know who called you last. *#1471# Last call (Only vodofone). *#21# Allows you to check the number that All Calls are diverted to *#2640# Displays security code in use. *#30# Lets you see the private number. *#43# Allows you to check the Call Waiting status of your phone. *#61# Allows you to check the number that On No Reply calls are diverted to. *#62# Allows you to check the number that Divert If Unreachable (no service) calls are diverted to. *#67# Allows you to check the number that On Busy Calls are diverted to. *#67705646# Removes operator logo on 3310 3330 .. *#73# Reset phone timers and game scores. *#746025625# Displays the SIM Clock status, if your phone supports this power saving featureSIM Clock Stop Allowed, it means you will get the best standby time possible. *#7760# Manufactures code. *#7780# Restore factory settings. *#8110# Software version for the nokia 8110. *#92702689# Displays - 1.Serial Number, 2.Date Made, 3.Purchase Date, 4.Date of last repair ( for no repairs), 5.Transfer User Data. To exit this mode you need to switch your phone off then on again. ( Favourite ) *#94870345123456789 # Deactivate the PWM-Mem.. **21*number# Turn on All Calls diverting to the phone number entered. **61*number# Turn on No Reply diverting to the phone number entered. **67*number# Turn on On Busy diverting to the phone number entered. __._,_.___. ._,___ With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
50 COMMON INTERVIEW QUESTIONS AND ANSWERS.....
50 COMMON INTERVIEW QUESTIONS AND ANSWERS Very Important Please Dont Miss it. Review these typical interview questions and think about how you would answer them. Read the questions listed; you will also find some strategy suggestions with it. 1. Tell me about yourself? Ans : The most often asked question in interviews. You need to have a short statement prepared in your mind. Be careful that it does not sound rehearsed. Limit it to work-related items unless instructed otherwise. Talk about things you have done and jobs you have held that relate to the position you are interviewing for. Start with the item farthest back and work up to the present. 2. Why did you leave your last job? Ans: Stay positive regardless of the circumstances. Never refer to a majorproblem with management and never speak ill of supervisors, co-workers or the organization. If you do, you will be the one looking bad. Keep smiling and talk about leaving for a positive reason such as an opportunity, a chance to do something special or other forward-looking reasons. 3. What experience do you have in this field? Ans: Speak about specifics that relate to the position you are applying for. If you do not have specific experience, get as close as you can. 4. Do you consider yourself successful? Ans:You should always answer yes and briefly explain why. A good explanation is that you have set goals, and you have met some and are on track to achieve the others. 5. What do co-workers say about you? Ans: Be prepared with a quote or two from co-workers. Either a specific statement or a paraphrase will work. Jill Clark, a co-worker at Smith Company, always said I was the hardest workers she had ever known. It is as powerful as Jill having said it at the interview herself. 6. What do you know about this organization? This question is one reason to do some research on the organization before the interview. Find out where they have been and where they are going. What are the current issues and who are the major players? 7.. What have you done to improve your knowledge in the last year? Try to include improvement activities that relate to the job. A wide variety of activities can be mentioned as positive self-improvement. Have some good ones handy to mention. 8. Are you applying for other jobs? Be honest but do not spend a lot of time in this area. Keep the focuson this job and what you can do for this organization. Anything else is a distraction. 9. Why do you want to work for this organization? This may take some thought and certainly, should be based on the research you have done on the organization. Sincerity is extremely important here and will easily be sensed. Relate it to your long-term career goals. 10. Do you know anyone who works for us? Be aware of the policy on relatives working for the organization. This can affect your answer even though they asked about friends not relatives. Be careful to mention a friend only if they are well thought of. 11. What is your Expected Salary? A loaded question. A nasty little game that you will probably lose if you answer first. So, do not answer it. Instead, say something like, That's a tough question. Can you tell me the range for this position? In most cases, the interviewer, taken off guard, will tell you. If not, say that it can depend on the details of the job. Then give a wide range. 12. Are you a team player? You are, of course, a team player. Be sure to have examples ready. Specifics that show you often perform for the good of the team rather than for yourself are good evidence of your team attitude. Do not brag, just say it in a matter-of-fact tone. This is a key point.. 13. How long would you expect to work for us if hired? Specifics here are not good. Something like this should work: I'd like it to be a long time. Or As long as we both feel I'm doing a good job. 14. Have you ever had to fire anyone? How did you feel about that? This is serious. Do not make light of it or in any way seem like you like to fire people. At the same time, you will do it when it is the right thing to do. When it comes to the organization versus the individual who has created a harmful situation, you will protect the organization. Remember firing is not the same as layoff or reduction in force. 15. What is your philosophy towards work? The interviewer is not looking for a long or flowery dissertation here. Do you have strong
A short story
A short Story for u... The old Master instructed the unhappy young man to put a handful of salt in a glass of water and then to drink it. How does it taste? the Master asked. Awful! spat the apprentice. The Master chuckled and then asked the young man to take another handful of salt and put it in the lake. The two walked in silence to the nearby lake and when the apprentice swirled his handful of salt into the lake, the old man said, Now drink from the lake. As the water dripped down the young man's chin, the Master asked, How does it taste? Good! remarked the apprentice. Do you taste the salt? asked the Master. No, said the young man. The Master sat beside this troubled young man, took his hands, and said, The pain of life is pure salt; no more, no less. The amount of pain in life remains the same, exactly the same. But the amount we taste the 'pain' depends on the container we put it into. So when you are in pain, the only thing you can do is to enlarge your sense of things . Stop being a glass. Become a lake! With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
HeartSpeaks Nice Story
Came across a really nice story after a very long time.See if you can share it with the family. The Mercury Kid. Very nice story - Don't Miss to Read it!!! An elderly man in Mumbai calls his son in New York and says, 'I hate to ruin your day son, but I have to tell you that your mother and I are getting a divorce; 35 years of marriage... and that much misery is enough!' 'Dad, what are you talking about?' the son screams. 'We can't stand the sight of each other any longer,' the old man says. 'We're sick of each other, and I'm sick of talking about this, so you call your sister in Hong Kong and tell her!' Frantic, the son calls his sister, who explodes on the phone. 'Like heck they're getting divorced,' she shouts, 'I'll take care of this.' She calls Mumbai immediately, and screams at the old man, 'You are not getting divorced. Don't do a single thing until I get there. I'm calling my brother back, and we'll both be there tomorrow. Until then , don't do a thing, DO YOU HEAR??' and she hangs up. The old man hangs up his phone and turns to his wife. 'Okay', he says, 'It's all set. They're both coming for our anniversary and paying their own airfare!!' MORAL: No man / woman is busy in this world all 365 days. The sky is not going to fall down if you take few days LEAVE and meet your dear ones. OFFICE WORK IS NOT EVERYTHING IN LIFE and MONEY MAKING IS NOT EVERYTHING IN LIFE. With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
SARDARS AGAIN
*SARDARS AGAIN* One sardarji professor asked a plumber to come to his college. U know why? Because he wanted to check from where the question paper was leaking... *Sardar:* My mobile bill how much? *Call centre girl:* sir, just dial 123 to know current bill status *Sardar:* Stupid, not CURRENT BILL my MOBILE BILL. Sardar built 2 Swimming Pools. And he left one of them unfilled. Why? When asked, he said, Oye, that’s for those who don’t know Swimming. A sardarji Doctor falls in Love with a Nurse.He writes a love letter to the Nurse :- I Love U sister... *Sardar: *I think that girl is deaf.. *Friend:* How do U know?* **Sardar: *I told I Love her, but she said her chappals are new *Sardar:* Miss, Did U call me on my mobile? *Teacher: *Me? No, why? *Sardar:* Yesterday I saw in my mobile- “1 Miss Call. *Judge:* Don't U have shame? It is the 3rd time U R coming to court.. *Sardar to judge: *U R coming daily, don't U have shame? *Sir:* What is difference between Orange and Apple? *Sardar:* Color of Orange is orange, but color of Apple is not APPLE. Sardar attending an interview in Software Company. *Manager:* Do U know MS Office? *Sardar:* If U give me the address I will go there sir. Sardar in airplane going 2 Bombay .. While its landing he shouts: Bombay ... Bombay *Air hostess says: *Be silent. *Sardar:* Ok. Ombay. Ombay Sardar got an sms from his girl friend: I MISS YOU *Sardarji replied:* I Mr YOU !!. *Sardar:* Doctor! My Son swallowed a key *Doctor:* When? *Sardar:* 3 Months Ago *Dr: *What were U doing till now? *Sardar: *We were using duplicate key *Dr:* So why did you come today? *Sardar:* We lost the duplicate key!! Why Sardar opens his lunch box in the middle of the road??? Just 2 confirm whether he is going to or coming back from the office *Son:* papa, 4+3 kitne hain? *Sardar:* ullu ke patthe, gadhe, idiot, naalaayak, besharam, tujhe kuch nahin aata? Jaa andar se CALCULATOR Le ke Aa.. After finishing MBBS Sardar started his practice. He Checked 1st Patient's Eyes, Tongue Ears with a Torch Finally Said: Oye, Torch is okay *Teacher:* What is common between JESUS, KRISHNA , RAM, GANDHI and BUDHA? *Sardar:* All are born on government holidays...!!! With Best RegardsSHENOY INVESTMENT AND FINANCIALCONSULTANTS PRIVATE LIMITED11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
SARDAR IN AUSTRALIA
Time for laughter! Sardar goes to Australia and goes to Woolworths (A grocery store in Australia ). He finds cat food at special prices. He picks a dozen cans of cat food and goes to check out. The Manager gets suspicious. He thinks that this guy cannot havea cat and will probably feed cat food to his kids. He asks Sardar to show him his cat before he could let him have cat food. Sardar goes home and returns with a cat and gets to buy the cat food. Next week Sardar finds dog food at special prices. He picks a dozen cans of dog food and goes to check out. The Manager again gets suspicious. He thinks that this guy has a cat but he cannot have a dog and he will probably feed dog-food to his kids. He asks Sardar to bring and show him the dog before he can let him have dog food. Sardar goes home and returns with a dog. He gets to buy the dog food.. Next week Sardar comes to Woolworths with a bag. He asks the manager to put his hand in the bag. The Manager puts his hand in the bag and immediately takes it out.. He shouts at Sardar, What the F*** is this?! This is shit you Bas?!? And Sardar calmly replies: Yes, and I want to buy toilet paper. --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
Raw Juice
NATURE CURE Raw Juice Therapy Raw juice therapy is a method of treatment of disease through an exclusive diet of juices of fruits and vegetables. It is also known as juice fasting. It is the most effective way to restore health and rejuvenate the body. During raw juice therapy, the eliminative and cleansing capacity of the organs of elimination, namely lungs, liver, kidneys and the skin, is greatly increased and masses of accumulated metabolic waste and toxins are quickly eliminated. It affords a physiological rest to the digestive and assimilative organs. After the juice fasting or raw juice therapy, the digestion of food and the utilisation of nutrients is vastly improved. An exclusive diet of raw juices of fruits and vegetables results in much faster recovery from diseases and more effective cleansing and regeneration of the tissues than the fasting on pure water. Dr. Ragnar Berg, a world-renowned authority on nutriton and biochemistry observes : During fasting the body burns up and excretes huge amounts of accumulated wastes. We can help this cleansing process by drinking alkaline juices instead of water while fasting. I have supervised many fasts and made extensive examinations and tests of fasting patients, and I am convinced that drinking alkali-forming fruit and vegetable juices, instead of water, during fasting will increase the healing effect of fasting. Elimination of uric acid and other inorganic acids will be accelerated. And sugars in juices will strengthen the heart. Juice fasting is, therefore, the best form of fasting. As juices are extracted from plants and fruits, they process definite medicinal properties.. Specific juices are beneficial in specific conditions. Besides specific medicinal virtues, raw fruit and vegetable juices have an extraordinary revitalising and rejuvenative effect on all the organs, glands and functions of the body. Favourable Effects The favourable effect of raw juices in the treatment of disease is attributed to the following facts : Raw juices of fruits and vegetables are extremely rich in vitamins, minerals, trace elements, enzymes and natural sugars. They exercise beneficial effect in normalising all the body functions. They supply needed elements for the body’s own healing activity and cell regeneration, thereby speeding the recovery. 1. The juices extracted from raw fruits and vegetables require no digestion and almost all their vital nutrients are assimilated directly in the bloodstream. 2. Raw juices are extremely rich in alkaline elements. This is highly beneficial in normalising acid-alkaline balance in the blood and tissues as there is over-acidity in most conditions of ill-health. 3. Generous amounts of easily assimilable organic minerals in raw juices especially calcium, potassium and silicon help in restoring biochemical and mineral balance in the tissues and cells, thereby preventing premature ageing of cells and disease. 4. Raw juices contain certain natural medicines, vegetal hormones and antibiotics. For instance, string beans are said to contain insulin-like substance. Certain hormones needed by the pancreas to produce insulin are present in cucumber and onion juices. Fresh juices of garlic , onions, radish and tomatoes contain antibiotic substances. 5. Precautions Certain precautions are, however, necessary in adopting an exclusive diet of raw juices. Firstly, all juices should be made fresh immediately before drinking. Canned and frozen juices should not be used. It will be advisable that one should have one’s own juicer for extracting fresh juices. Secondly, only fresh ripe fruits and vegetables, preferably organically grown, should be used for extraction of juices. Thirdly, only as much juice as needed for immediate consumption should be extracted. Raw juices oxidise rapidly and lose their medicinal value in storage, even under refrigeration. Fourthly, the quality of the juices has a distinct bearing on the results obtained. In case of incomplete extraction of juices, their effective power is proportionately reduced due to the absence of the vitamins and enzymes which are left behind in fibre and the pulp. Finally, if juices are too sweat they should be diluted in water on 50 : 50 basis or mixed with other less sweet juices. This is especially important in some specific conditions such as diabetes, hypoglycemia, arthritis and high blood pressure. Fruit and vegetable juices may be divided into six main types. These are : (i) Juices from sweet fruits such as prunes and grapes. (ii) Juices from sub-acid fruits like apple, plum, pear, peach, apricot and cherry, (iii) Juices from acid fruits like orange, lemon, grapefruit, strawberry and pineapple. (iv) Juices from
Diabetes..............a cure is now available Options. Dont knowifthis is true
you do not have diabeties yourself no harm in passing it someone whom you know has it. *DIABETIC?* *FINALLY GOOD NEWS FOR ALL DIABETICS* *A woman (65) was diabetic for the last 20+ years and was taking insulin twice a day, she used the enclosed homemade medicine for a fortnight and now she is absolutely free of diabetes and taking all her food as normal including sweets ...** The doctors have advised her to stop insulin and any other blood sugar controlling drugs. I request you all please circulate the email below to as many people as you can and let them take the maximum benefit from it. * * AS RECEIVED :** ** DR. TONY ALMEIDA (Bombay Kidney Speciality expert ) made the extensive experiments with perseverance and patience and discovered a successful treatment for diabetes. Now a days a lot of people, old men women in particular suffer a lot due to Diabetes. ** Ingredients: 1 - Wheat flour 100 gm 2 - Gum(of tree) (gondh) 100 gm 3 - Barley 100 gm 4 - Black Seeds (kalunji) 100 gm** Method of Preparation Put all the above ingredients in 5 cups of water. Boil it for 10 minutes and put off the fire. Allow it to cool down by itself. When it has become cold, filter out the seeds and preserve the water in a glass jug or bottle. ** How to use it? * *Take one small cup of this water every day early morning when your stomach is empty. Continue this for 7 days. Next week repeat the same but on alternate days. With these 2 weeks of treatment you * *will wonder to see that you have become normal and can eat normal food without problem. * * Note: A request is to spread this to as many as possible so that others can also take benefit out of it. * SPB MESSAGE SINCE THESE ARE ALL NATURAL INGREDIENTS, TAKING THEM IS NOT HARMFUL. SO THOSE WHO ARE SCEPTICAL ABOUT THIS TREATMENT MAY STILL TRY IT WITHOUT ANY HARM. WORST CASE SCENARIO WILL BE THAT YOU REMAIN STILL SAME AS YOU WERE BEFORE With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
Swine flu - after effect
--~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~--- attachment: Swine flu after effect.jpg
Lawyer story ( Lawyers Don't Miss )
Lawyer story THIS IS THE BEST LAWYER STORY OF THE YEAR, DECADE AND PROBABLY THE CENTURY. A Charlotte, NC lawyer purchased a box of very rare and expensive cigars, then insured them against fire, among other things. Within a month, having smoked his entire stockpile of these great cigars and without yet having made even his first premium payment on the policy, the lawyer filed claim against the insurance company. In his claim, the lawyer stated the cigars were lost in a series of small fires. The insurance company refused to pay, citing the obvious reason that the man had consumed the cigars in the normal fashion. The lawyer sued... And WON! (Stay with me.) In delivering the ruling, the judge agreed with the insurance company that the claim was frivolous. The judge stated nevertheless, that the lawyer held a policy from the company in which it had warranted that the cigars were insurable and also guaranteed that it would insure them against fire, without defining what is considered to be unacceptable fire and was obligated to pay the claim. Rather than endure lengthy and costly appeal process, the insurance company accepted the ruling and paid $15,000 to the lawyer for his loss of the rare cigars lost in the fires. NOW FOR THE BEST PART... After the lawyer cashed the check, the insurance company had him arrested on 24 counts of ARSON!!! With his own insurance claim and testimony from the previous case being used against him, the lawyer was convicted of intentionally burning his insured property and was sentenced to 24 months in jail and a $24,000 fine. This is a true story and was the First Place winner in the recent Criminal Lawyers Award Contest. *** With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
Good Morning
Good Morning Have A Nice Day __._,_.___. __,_._,___ With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
People and love
Very beautiful story. In life Love is important than Anger While a man was polishing his new car, his 4 yr old son picked stone scratched lines on the side of the car. In anger, the man took the child's hand hit it many times, not realizing he was using a wrench. At the hospital, the child lost all his fingers due to multiple fractures.. When the child saw his fatherwith painful eyes he asked 'Dad when will my fingers grow back?' Man was so hurt and speechless. He went back to car and kicked it a lot of times. Devastated by his own actions.. sitting in front of that car he looked at the scratches, child had written 'LOVE YOU DAD'. The next day that man committed suicide. . . Anger and Love have no limits; choose the later to have a beautiful lovely life Things are to be used and people are to be loved, But the problem in today’s world is that, People are used and things are loved With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
Confidence Trust and Hope
CONFIDENCE Once, all village people decided to pray for rain. On the day of prayer all people gathered and only one boy came with an Umbrella, that's Confidence *** TRUST Trust should be like the feeling of a one year old baby when you throw him in the air, he laughs.. because he knows you will catch him; that's Trust *** HOPE Every night we go to bed, we have no assurance to get up alive in the next morning but still you have plans for the coming day ; that's Hope *** With Best Regards SHENOY INVESTMENT AND FINANCIAL CONSULTANTS PRIVATE LIMITED 11-A, KASHI NIKETAN, 2ND ROAD, CHEMBUR, MUMBAI - 400 071 TEL : 6797 3433 / 2521 2111 EMAIL : shifc...@gmail.com shifc...@mtnl.net.in --~--~-~--~~~---~--~~ You received this message because you are subscribed to the Google Groups BETTER PERSONALITY GROUP group. To post to this group, send email to BETTER_PERSONALITY@googlegroups.com To unsubscribe from this group, send email to better_personality+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/BETTER_PERSONALITY?hl=en -~--~~~~--~~--~--~---
