Sunday, June 24, 2012

Dulhan hi dahej hai - Divya






Meet other lucky kerala girls

----------------------------------------------------------------------------

 All the messages
are just forwarded messages if some one feels hurt about it please add your comments we will remove the post.Host/author is not responsible for these posts.

Sunday, June 17, 2012

Hate Bajaj Allianz Life Insurance .. Review

I am a middle class salaried employee.I invested in Bajaj Allianz Life Insurance to save tax in 80 CC and to get life coverage.

  • Agent told me the plan which i invested is very good and it can give returns more than bank fixed deposit.
  • I started investing Rs 4000 every quarter into a Plan called 'Bajaj Allianz New UnitGain Plus' with 'Partial Permanent Disability ' and 'Accidental death benefit' riders and fund is 'Equity Growth Fund'
  • Starting from the first month my investment started decreasing , it gave me -ve returns
  • Bajaj Allianz has so many conditions for address change etc also.
  • I was awaiting for 3 years lock in period to complete so that i can withdraw my money.
  • i paid around Rs 64000 and they paid me finally around Rs.49000 which is around 24% loss to my principal.
  • Most interesting part is i submitted my Policy surrender document on 31st March 2012 which was on a holiday.They told me that they would consider next working day 2nd April 2012 Nav
  • I recieved my ECS payment on 12th April 2012 considering the NAV value of 9th April which got me around Rs 400 loss.
  • When i called to the call center they gave a reply saving that as i submitted on 31st march 2012 which was year end and their systems are designed such that will not take next working day automatically because of year end activity.
  • I had to do a couple of follow ups to get my Rs 400 back in check.
  • I only lost few hundrend rupees but their might be people losing thousands so my advice is be carefull when you surender or never invest with Bajaj Allianz.
Please write your mail id in comment section to get poilcy details to verify if any one needs.

NAV on 2nd April 2012 : 16.9029
NAV on 9th April 2012 : 16.75
Service request No raised to get my Rs 400 : 17135447

----------------------------------------------------------------------------
All the messagesbelow are just forwarded messages if some one feels hurt about it please add your comments we will remove the post.Host/author is not responsible for these posts.

Thursday, June 14, 2012

Balakrishna Adhinayakudu jokes




More Balakrishna Jokes

----------------------------------------------------------------------------
All the messagesbelow are just forwarded messages if some one feels hurt about it please add your comments we will remove the post.Host/author is not responsible for these posts.

A wednesday ..Software engineer

All of you who have seen the movie ‘Wednesday’... will love these rephrased Naseerudin Shah Dialogue’s...






Project Manager Rathore : kaun ho tum..??? kya pehchan hai tumhari ?



Unknown Caller : Kaun hoon mein...mein vo hu jo aaj committment karne se darta hai, Mein vo hoon jo aaj ghar jaane se darta ha, ye soch ke kahin ghar wale pehchanne se inkar na kar de...



mein vo hoon jo, aaj job change karta hai to sochta hai ki kahin recession mein mujhe company se na nikal de..



mein vo hoon jiski biwi usse friday ko dus bar phone karti hai, "kya kar rahe ho..?? kaam jyada hai..?? thak gaye ho..?? "

mera haal poochne ke liye ya kaam poochne ke liye nahi, rathore saab... balki vo ye jaanaa chahti hai ki... kahin hamesha ki tarah end moment pe boss ke bulane pe mein saturdary ko bhi office to nahi ja raha...



mein vo hoon jo breakfast ke time pe dinner karta hai, lunch time pe breakfast karta hai, dinner ke time pe lunch karta hai.. vo bhi time mil jae to...



mein vo hoon jo aksar phasta hain

kabhi Interviews ke sawaal mey phasta hai , kabhi Badi companiyon ke jaal mey phasta hai, kabhi boss aur client ke bawaal mey fasta hai.



Walk-In ki bheed to dekhi hogi aapne rathore saab... us bheed mein se koi bhi chehra chun lijie.. mein vo hoon..

Main ek….. SOFTWARE ENGINEER....hun




----------------------------------------------------------------------------
 All the messagesbelow are just forwarded messages if some one feels hurt about it please add your comments we will remove the post.Host/author is not responsible for these posts.

Differences between c and c++



----------------------------------------------------------------------------
All the messagesbelow are just forwarded messages if some one feels hurt about it please add your comments we will remove the post.Host/author is not responsible for these posts.

Wednesday, April 25, 2012

Bus Timings from Waverock to Lingampally and Bachupally

Latest bus timings can be found in below link


Latest Bus Timings

Being Lucky always

Being lucky...







----------------------------------------------------------------------------
All the messagesbelow are just forwarded messages if some one feels hurt about it please add your comments we will remove the post.Host/author is not responsible for these posts.

Understanding EPS - Employee Pension Scheme

If you have looked at your EPF (Employees’ Provident Fund) details you might have wondered about deduction of Rs. 541 per month from your company’s (employer's) contribution to EPF.


Here is the explanation:

• Every month you need to contribute 12% of your basic salary to your EPF account

• Your employer also needs to contribute 12% of your basic to your EPF account. But this part is split into two -

• EPS (Employee Pension Scheme) – 8.33% of your basic salary goes towards EPS, subject to a maximum of Rs. 541 (i.e. 8.33% of Rs. 6,500)

• The rest of the amount goes into the EPF account.

EPF & EPS Calculation:

Here is an example of how EPF & EPS is calculated:

Suppose your basic salary Rs. 10,000 per month.

• 12% of basic is deducted from salary i.e. 12% of 10,000 = Rs. 1,200

• 12% of basic is contributed by employer i.e. 12% of 10,000 = Rs. 1,200

• Total contribution to EPFO = Rs. 2,400

• Out of total Rs. 2400, Rs. 541 goes towards EPS (Employees’ Pension Scheme) and the rest i.e. (2,400 – 541) = Rs. 1,859 goes towards EPF account.



Since the basic salary is more than Rs. 6,500, only 8.33% of Rs. 6,500 (i.e. 541) is contributed to EPS.

What is EPF & EPS?

First lets talk about the similarity between both – EPF & EPS. Both are Retirement Schemes compulsory for private company employees (employers with more than 50 employees) and are managed by EPFO (Employees’ Provident Fund Organisation). In case of EPF you get certain percentage interest on your deposits, which are decided by EPFO board every year. Whatever is the amount accumulated in this EPF account by the time you retire, you receive that as a lump sum.

In case of EPS, you get a monthly pension after you retire which is based on a formula. The good thing about this pension is, your spouse/dependents continue to get this monthly pension even after your death subject to certain conditions.

How much Monthly Pension under EPS?

The next logical question is how much pension would you get under EPS scheme? It’s based on a formula:

Monthly Pension = (Pensionable salary X Pensionable service) / 70

• Where Pensionable salary is average of last 12 months basic salary with an upper cap of Rs. 6500 and

• Pensionable service is the tenure of your contribution to EPS.

Calculating Monthly Pension Amount:

For e.g. you join a private sector company at the age of 25 and continue working there till retirement at the age of 60; with your basic salary always exceeding Rs 10,000 per month. Here is what your monthly pension amount would be:

Pensionable salary = Rs. 6,500 [even though your basic salary is Rs. 10,000 but there is an upper limit of Rs. 6,500]

Pensionable service = 60 – 25 = 35 Years

So, Monthly Pension Amount = (6500 x 35) / 70 = Rs. 3,250

You would receive this amount of Rs. 3,250 as your monthly pension for your life time and this would continue even after your death to your dependents.

This brings us to the next question –

Is EPFO justified in paying such a small pension for your contribution of Rs. 541 per month for 35 years?

Let’s do some number crunching and get the answers.

Had your contribution not gone compulsorily into EPS, it would have gone to your EPF (or VPF) account and paid to you in bulk at the time of retirement. Assuming a rate of interest of 8.5% for entire tenure of EPF, the monthly contribution of Rs. 541 for 35 years (or 420 months) would grow to Rs.14,14,147.

You can withdraw this amount and invest in annuity options available with Insurance companies for regular income. Such an investment would give much better returns than this monthly pension of Rs 3250 PM in the given example.


----------------------------------------------------------------------------
All the messagesbelow are just forwarded messages if some one feels hurt about it please add your comments we will remove the post.Host/author is not responsible for these posts.

Saturday, February 25, 2012

List of Arya Vysya MLA's who won the elections in 2009

Below is the list of Arya Vysya MLA's who won in the 2009 elections

Vijawada West --> Vellampalli Srinivas


Jaggayyapeta --> Sriram Tatayya

Niziveedu --> Chinnam Ramakotayya

Giddaluru --> Anna Rambabu

Palcole --> Bangaru Usha raani

Kurnool --> T.G.Venkatesh

Gunthakal --> Madhusudhan Gupta



----------------------------------------------------------------------------

 All the messagesbelow are just forwarded messages if some one feels hurt about it please add your comments we will remove the post.Host/author is not responsible for these posts.

Thursday, February 9, 2012

*****An eye opener **********





Ranjan Das, CEO and MD of SAP Indian subcontinent

died after a massive cardiac arrest in Mumbai on Wednesday.

One of the youngest CEOs, he was 42 What killed Ranjan Das and Lessons for Corporate India





A month ago, many of us heard about the sad demise of Ranjan Das from Bandra, Mumbai. He was very active in sports, was a fitness freak and a marathon runner. It was common to see him run on Bandra's Carter Road. Just after Diwali, on 21st Oct, he returned home from his gym after a workout, collapse! d with a massive heart attack and died.

It was certainly a wake-up call for corporate India. However, it was even more disastrous for runners amongst us. Since Ranjan was an avid marathoner ( in Feb 09, he ran Chennai Marathon at the same time some of us were running Pondicherry Marathon 180 km away ), the question came as to why an exceptionally active, athletic person succumb to heart attack at 42 years of age.



Was it the stress?

------------------

A couple of you called me asking about the reasons. While Ranjan had mentioned that he faced a lot of stress, that is a common element in most of our lives. We used to think that by being fit, one can conquer the bad effects of stress. So I doubted if the cause was stress.



The Real Reason

---------------



However, everyone missed out a small line in the reports that Ranjan used to make do with 4-5 hours of sleep. This is an earlier interview of Ranjan on NDTV in the program 'Boss' D! ay Out':

Boss' Day Out:

Ranjan Das of SAP

India .



The Evidence

------------

Last week, I was working with a well-known cardiologist on the subject of ‘Heart Disease caused by Lack of Sleep’. ! While I cannot share the video nor the slides because of confidentiality reasons, I have distilled the key points below in the hope it will

save some of our lives.



Some Excerpts:

-------------



• Short sleep duration ( <5 or 5-6 hours ) increased risk for high BP by 350% to 500% compared to those who slept longer than 6 hours per night. Paper published in 2009. As you know, high BP kills.



• Young people ( 25-49 years of age ) are twice as likely to get high BP if they sleep less. Paper published in 2006.



• Individuals who slept less than 5 hours a night had a 3-fold increased risk of heart attacks. Paper published in 1999.



• Complete and partial lack of sleep increased the blood concentrations of High sensitivity C-Reactive Protein (hs-cRP), the strongest predictor of heart attacks. Even after getting adequate sleep later, the levels stayed high!!



• Just one night of sleep loss increases very toxic substances in body such as Interleukin-6 (IL! -6), Tumour Necrosis Factor-Alpha (TNF-alpha) and C-reactive protein (cRP). They increase risks of many medical conditions, including cancer, arthritis and heart



disease. Paper published in 2004.

• Sleeping for <=5 hours per night leads to 39% increase in heart disease. Sleeping for <=6 hours per night leads to 18% increase in heart disease. Paper published in 2006.





Ideal Sleep

-----------



For lack of space, I cannot explain here the ideal sleep architecture. But in brief, sleep is composed of two stages: REM ( Rapid Eye Movement ) and non-REM. The former helps in mental consolidation while the latter helps in physical repair and rebuilding.



During the night, you alternate between REM and non-REM stages 4-5 times.



The earlier part of sleep is mostly non-REM. During that period, your pituitary gland releases growth hormones that repair your body. The latter part of sleep is more and more REM type.



For you to be mentally alert during the day, ! the latter part of sleep is more important. No wonder when you wake up with an alarm clock after 5-6 hours of sleep, you are mentally irritable throughout the day (lack of REM sleep). And if you have slept for



less than 5 hours, your body is in a complete physical mess ( lack of non-REM sleep ), you are tired throughout the day, moving like a zombie and your immunity is way down ( I’ve been there, done that ).



Finally, as long-distance runners, you need an hour of extra sleep to repair the running related damage.



In conclusion:

--------------

Barring stress control, Ranjan Das did everything right: eating proper food, exercising ( marathoning! ), maintaining proper weight. But he missed getting proper and adequate sleep, minimum 7 hours. In my opinion, that killed him.



If you are not getting enough sleep ( 7 hours ), you are play(!)ing with fire, even if you have low stress. Respect and work through the day hours nature has given us for work. Observe other species and its habits. No day working species do jobs late nights. We are destroying ourselves with our so called intelligence because we don’t know where to draw the line. Respect Nature.



I always took pride in my ability to work 50 hours at a stretch whenever the situation warranted. But I was so spooked after seeing the scientific evidence last week that since Saturday night, I ensure I do not even set the alarm clock under 7 hours. Now, that

is a nice excuse to get some more sleep.



Unfortunately, Ranjan Das is not alone when it comes to missing sleep. Many of us are doing exactly the same, perhaps out of ignorance. Please forward this mail/article to as many of your colleagues/friends as possible, especially those who might be short-changing their sleep



----------------------------------------------------------------------------
All the messagesbelow are just forwarded messages if some one feels hurt about it please add your comments we will remove the post.Host/author is not responsible for these posts.

Sunday, February 5, 2012

Flying to Aberdeen from Hyderabad by Kingfisher airlines.


• I started my journey from Hyderabad to Aberdeen through Kingfisher airlines.

• I got my ticket for around Rs 60000, which is the cheapest in the route.


• The baggage allowance is 1 check in luggage of 20 Kgs , 1 hand luggage of 7 kgs and 1 laptop bag / ladies bag.


• My journey started with the Kingfisher airlines from Shamshabad airport in Hyderabad at 8:30 Am


• Kingfisher airlines departed at scheduled time from Hyderabad . Airlines provided us with a breakfast .


• I reached Mumbai domestic airport by 09:50 AM.


• Mumbai airport has domestic and international airports. From domestic airport to international airport it takes around 45 mins by airport bus.


• At Mumbai international airport you have to fill your immigration forms .To pass the immigration counter it will take around 45-60 mins .


• In Mumbai airport you declare customs so that you don’t have any problem.


• The kingfisher airlines departed at scheduled time - 13:00 .


• They gave Indian food for lunch and dinner in the flight. The airlines are maintaining international standards .


• You have a wide variety of in house entertainment like Movies (from English, hindi, telugu, kannada, tamil etc), business ,games and music.


• In the middle they will give you customs forms of UK which have to be filled.


• I reached London heathrow airport by 17:00 GMT.


• From there I had to catch the British airways to Aberdeen – Dyce Airport.


• In London airport i had little time so I went for a round of shopping. Then I had the immigration and customs check of UK.


• I finally caught the Aberdeen flight which landed in Aberdeen Dyce airport.

Kingfisher made my journey memorable .


----------------------------------------------------------------------------
 All the messagesbelow are just forwarded messages if some one feels hurt about it please add your comments we will remove the post.Host/author is not responsible for these posts.

My visit to VFS office in Hyderabad for UK

VFS office for UK visa is located in Banjara Hills. Banjara hills is a big area so if you don’t have the address handy you will confuse with the location like me. Many people cannot guide you as it is bit confusing.


Address is Sunil Chambers, 8-2-542/A Road No. 7 Banjara Hills, Hyderabad 500 034

To be more specific about the address it is in the lane opposite to GVK Mall. If you follow the route you will end near VFS office. It is above the More super market and opposite to Government school.

Working hours are 08:00 to 14:00 from Monday to Friday.

Some important points to be noted are


1.You have a photographer inside the VFS office. So if you have any problem with the photos which brought you can take a picture immediately.


2.There are 4 document verification counters and 2 counters where they take your thumb impressions.


3.Ireland VFS collection centre is also in the same office.


4.They may ask you to pay Rs.100 for getting sms of your passport status, Which i feel is unnecessary as we can track it online.


5.You can track online starting the next day using the number provided by them after submitting.


6. You can buy some mobile sim connections like Lyca which i feel is good. Lyca and libra are 2 connections in UK which provide good offers for calling India.(Example 1 GBP = 100 Mins to India)
You can start using your mobile phone in UK with Lyca connection which you can buy in VFS office. I suggest this is better for the business travelers.


7.It will take minimum 3-4 hours once you’re in VFS office.


8.You don’t have ample parking for vehicles so it is better to park near opposite government school.


9.There is no need to panic / frightened as the VFS people are there to help us in the process.


10.You have small HDFC bank counter .


11.If your taking infants take enough food, tell the people in counter that you have infants so that they can take care of you in a faster way.


Hope this helps you while applying for UK visa in VFS office.



All the best for Your Visa

----------------------------------------------------------------------------
 All the messagesbelow are just forwarded messages if some one feels hurt about it please add your comments we will remove the post.Host/author is not responsible for these posts.