Risk Edu Thalaivaa by Sibi K. Solomon

 Risk Edu Thalaivaa by Sibi K. Solomon Review

இது அனைவரும் படிக்க வேண்டிய புத்தகம். மிகவும் நேர்த்தியாக எழுதப்பட்டு உள்ளது. நம்முடைய பிம்பத்தை கண்ணாடியால் பார்த்து சரி செய்வது போல, நாம் சரியான வழியில் செல்கின்றோமா? ஏன் சரியான வழியில் செல்ல முடியவில்லை. நம்மை தடுப்பது யார்? நாம் சூழ்நிலைகளை,நம்மை சார்ந்தவர்களை ,நம்முடைய படிப்பை இன்னும் என்ன என்ன சாக்கு போக்கு சொல்வதை வழக்கமாக கொண்டுள்ளோம்.

உண்மையான மாற்றம் எது?  மாறாமல் இருந்தால் நாம் கதி

என்ன?

அருமையான சுய முன்னேற நூல். படிக்க படிக்க நமக்குள் உத்வேகம் வரும்.

It reminds me an English saying "Obstacle can't stop you problems can't stop you. Most of all other people can't stop you. The only one who stops you is yourself.

            Be Professional-Tips & Tricks

This is given from my bottom of my heart mostly from my experience. It does not mean that i am following everything. I analyzed the qualities and attributes which i am lacking and which  is more needed to be a professional. Maintaining the professionalism is not an easy task. It is Journey towards to the excellence.

I can put in a one word-" Be a better than yesterday". Produce best result on tomorrow.

I know it is bit tough journey and it requires very discipline. 

We should hear our inner voice. We need to acquaint with the person who is professional.It is generic attribute in any endeavor.  I remember one saying ,"Rome cannot be built on the single day". The same is true for this too. Usually i post something which i read or some news. This is from inner voice. May be plus or minus are needed in our life.

 

1. Learn to be Alert. This requires more concentration

2. Listen like Laser.   In industry we should have Laser Sharp Listening Skills

3. Understand Things. We have to understand things and more over we have to ask question if require

4. Draft Mail. We need to draft mail in precise and clear manner to be understood by all

5. Plan a Day. We need to list down the tasks which we are going to accomplish.

6. Read Mail.  Read mail continuously and respond the mail quickly.

7.POC. Proof of concept is essential for standing in any industry which we are working for.

8.Diagram. It is tough to remember everything. Convert the requirement into your own understandable diagram representation.

9.Pro activeness- .Be the one to jump before it bursts.

10. Go an Extra Mile. Work more towards the forward direction

11.Take notes. Take notes before you speak in meeting or in a call

12. Finish the task before the delivery date.

13.Always thing that today is the last day of your life to do something. This makes us more energetic

14.Latest update of technology is the ultimate towards the competitive environement

15. Be the one to handle-Ms word,power point and Excel

16. Tools & Technique- Use more tools and techinique.

17.Improve Memory Power

18. Record whatever you have done. Maintain organized way such as folder

19.Attach yourself in a Professional body

20. Confidence is a key to success.

The Professional

The Professional By subroto Bagchi

It is not a book but it is a bible for professional.We are not trained some important things while we are doing the job.More people are not able to elevate the success in their profession by not knowing what exactly he/she must do.Bachi tells-Our trajectory of our lives is determined daily by the choices we make,the consequence of which tell us how well we have lived our life.
This professional ethic will be applicable to any field.This can be followed from scavenger to president of a nation.
We are not lacking of money but we are lacking of professionalism in the task we do.

Bagchi collated all their feedback to rank the top ten attributes of a professional

1.Integrity

2.Commitment and Ownership

3.Action orientation and goal seeking

4.Continuous Learning

5.Professional Knowledge/skills

6.Communication

7.Planning,orgainzing and punctuality

8.Quality of Work.

9.A positive attitude,approachability,and responsiveness

10.Being an inspiring reference to others;thought leadership.

Unlock your Personality Potential

Personality and potential is being popular nowadays. The way i see about potential is like underutilized assets which we hold it for long time. Asset returns are huge still we are not identified. We are ignoring the fact that we do not have any asset.
We are utilizing 10% of our asset ,what a pathetic one.We settled below our capacity.We seldom look for a change.Change never takes time only preparation of change will take time.
Why we are not utilizing remaining 90% of our asset.Who is hindrance for utilizing our asset.
It is myself. Each one of us having hurts ,unmet needs and wounds. I can say these factors are debts. we will always focus on reduce our debt and increase our credit.
Follow the same principle here too. I often remembered one famous quote,"When you try to understand everything You will not understand anything.
When you understand yourself you will understand everything- SHUNRYN SUZUKI"

We should assess us continuously.It is a continuous process like our breathing. Till our breath,we should learn ,unlearn and relearn.

“The illiterate of the 21st century will not be those who cannot read and write, but those who cannot learn, unlearn, and relearn.” - Alvin Toffler

We keep in mind that each moment of our life we either growing or dying .we have to cultivate the habit.
Good habits are hard to develop but easy to live with;bad habits are easy to develop but hard to live with. The habits you have and the habits that have you will determine almost everything you achieve or fail to achieve.
Success depends on 95% of the habit which we cultivates.I will demonstrate to you -how the habit is powerful.If you remove the letter 'h' and still abit(a bit) is there. If you remove the letter 'a' and still bit is there.If remove 'b' and still 'it' is there. It takes time to develop good habits..Once we developed it,we are the power.

சுயமுன்னேற்ற சிந்தனைகள்-Self Improvement Thougts in Tamil

நகம் கூட நாளுக்கு .001 அங்குலம் வளர்கிறது ! ஆனால் நாம்.

படுத்து கிடந்தால் படுக்கையே உனக்கு சாக்காடு ....
எழுந்து நட ...பூமி உனக்குஒரு பூக்காடு...

முடியாதவன் பொதிக்கின்றான்.. முடிந்தவன் சாதிக்கின்றான்...

மனிதனுக்கு எதில் எல்லாம் ஆர்வம் இருக்கிறதோ அதில் எல்லாம் நேரம் இருக்கிறது .

வாழ்க்கையில் வெற்றியாளர்கள் அனைவரும் தூக்கத்தை இரண்டாம் பட்சமாக ஆக்கியவர்களே

இந்த உலகத்தில் நஞ்சால் அழிந்தவர்களைவிட ,ஆசையால் அழித்தவர்களின் எண்ணிக்கையே அதிகம்

சிஷ்யன் தயார் ஆகும் போது குரு தோன்றுவார்

“எளிமையாகவும் தெளிவாகவும் இரு, புரியாத புதிராக இராதே.
- வால்ட் விட்மல்



வாழ்க்கையில் நீங்கள் வெற்றி பெற மூன்று வழிகள்
1. பிறரைக்காட்டிலும் அதிகமாக அறிந்து கொள்ள முயலுங்கள்.
2. பிறரைக்காட்டிலும் அதிகமாக உழைக்கக் கற்றுக்கொள்ளுங்கள்
3. பிறரைக் காட்டிலும் குறைவாக பிறரிடமிருந்து பெற முயலுங்கள்.
-வில்லியம் ஷேக்ஸ்பியர்

“வளமிகு காடுகள்
வாவென அழைக்கும்
ஆனால் எனக்கோ
ஆயிரம் கடமைகள்
துயில்கொள்ளும் முன்பு
முடித்திட வேண்டும்
தொலைவோ பலகல்
நடந்திட வேண்டும்
-அமெரிக்கக் கவிஞர்
ராபர்ட் பிராஸ்ட்

குமரகுருபரர் நீதி நெறி விளக்கம் பாடல்

மெய்வருத்தம் பாரார் பசிநோக்கார் கண்டுஞ்சார்
எவ்வெவர் தீமையு மேற்கொள்ளார் - செவ்வி
அருமையும் பாரா ரவமதிப்புங் கொள்ளார்
கருமமே கண்ணாயி னார். 52

பாரதியார் பாடல்

மனதில் உறுதி வேண்டும்
வாக்கினிலே இனிமை வேண்டும்
நினைவு நல்லது வேண்டும்
நெருங்கின பொருள் கை பட வேண்டும்

கனவு மெய் பட வேண்டும்
கை வசமாவது விரைவில் வேண்டும்
தனமும் இன்பமும் வேண்டும்
தரணியிலே பெருமை வேண்டும்

கண் திறந்திட வேண்டும்
காரியத்தில் உறுதி வேண்டும்
பெண் விடுதலை வேண்டும்
பெரிய கடவுள் காக்க வேண்டும்

மன்ன பயனுற வேண்டும்
வானகம் இங்கு தென்பட வேண்டும்
உண்மை நின்றிட வேண்டும்

தீதும் நன்றும் பிறர் தர வாரா

உளி படாத கல் சிலையாவது இல்லை

இழப்பதற்கு எதுவும் இல்லை ...வேல்லுவதட்கு இந்த உலகம் இருக்கு..

வாழ்கைக்கு தேவை சில இலட்சியங்கள் ,இலட்சகள் அல்ல..

பணிவுடையன் இன்சொலன் ஆதல் ஒருவர்க்கு
அணியல்ல மற்றும் பிற

(Humility and pleasant speech constitute one's ornaments;
Other things do not count.)

முயற்சி திருவினை ஆக்கும் முயன்றிண்மை
இன்மை புகுத்தி விடும்

(Perseverance generates prosperity,and the lack of it engenders poverty.)

தெய்வத்தான் ஆகாத தெனினும் முயற்சி தன்
மெய்வருத்த கூலி தரும்

(Though destiny decrees that one's deeds will fail,the wages for determined work are always paid.)

Another Meaning of this kural-619
(Though fate is against fulfillment.Hard Labor has ready Payment)

தூங்காமை கல்வி துணிவுடைமை இம்மூன்றும்
நீங்கா நிலன் ஆள்பவர்க்கு -383
(வைகோவிற்கு பிடித்த குறள் )

Rulers of the Realm cannot do without the triple qualities
Of Alertness, Learning and Braveryதிரை கடல் ஓடியும் திரவியம் தேடு

போதும் என்ற மனமே பொன் செய்யும் மருந்து

படி படி அதுவே உனக்கு வெற்றி படி

விண்டவர் கண்டிலர் கண்டவர் விண்டிலர்
(விட்டுவிட்டவர்கள் கண்டுகொள்வதில்லை ..கண்டுகொண்டவர்கள்விட்டுவிடுவதில்லை )குற்றம் பார்க்கின் சுற்றம் இல்லை


Aavaiyar is ancient female poetess of tamil nadu. Her words are pierced by our hearts.She is a pioneer in self-improvement. Her teachings are not only for younger generation but also people in all the ages.I am really proud to be Tamilan. More wisdom and knowledge are in it.

ஔவையார் ஆதிசுடி சுய முன்னேற்றம்

1. அறஞ்செய விரும்பு.

6. ஊக்கமது கைவிடேல்

20. தந்தைதாய்ப் பேண்.

21. நன்றி மறவேல்.22. பருவத்தே பயிர் செய்

27. வஞ்சகம் பேசே

29. இளமையில் கல் .

32. கடிவது மற.

36. குணமது கைவிடேல்49. செய்வன திருந்தச்செய்.

54. சோம்பி திரியேல்

56. தனமது விரும்பு

59. துன்பத்திற்கு இடம் கொடேல் .

62. தேசத்தோடு ஒட்டி வாழ்

71. நூல் பல கல் .

76. நோய்க்கு இடம் கொடேல்78. பிழைபடச் சொல்லேல்

82. பெரியாரைத் துணைக்கொள்.88. மனம் தடுமாறே

90. மிகைப்பட சொல்லேல் .

95. மேன்மக்கள் சொற்கேள்.

103. உத்தம னாயிரு 107. வைகறை துயில் ஏழு

“நல்லாரை காண்பதுவும் நன்றே; நலமிக்க
நல்லார் சொல் கேட்பதுவும் நன்றே – நல்லார்
குணங்கள் உரைபதுவும் நன்றே; அவரோடு
இணங்கி இருப்பதுவும் நன்று ”

It is good to see good nature (people of good character) people. It is good to hear their words. It is good to speak of their good deeds. It is still better to move and live closely with good people.


"தீயாரைக் காண்பதுவும் தீதே; திரு அற்ற
தீயார் சொல் கேட்பதுவும் தீதே - தீயார்
குணங்கள் உரைப்பதுவும் தீதே; அவரோடு
இணங்கி இருப்பதுவும் தீது. :-)"

It is not good to see the bad people.
It is bad to hear the words from bad people.
It is not advisable to talk about the qualities of evil people.
Do not mingle with bad people.

A small body of determined spirits fired by an unquenchable faith in their mission can alter the course of history.

Mahatma Gandhi 
 

My Friend Umamaheswaran translated the above quote beautifully without losing their essence and strength of the saying.

"தங்கள் பணியில் ஒரு தாகம் தணியாத நம்பிக்கை துப்பாக்கி உறுதியாக ஆவிகள் ஒரு சிறிய உடல் வரலாற்றின் போக்கை மாற்ற முடியும்"

PF Balance By Sms

Know Your EPF Balance

(Service launched on 01/07/2011)

• Please click on the following link to know the balance in your EPF Account upto the date, the accounts are updated, which also includes the latest approved transactions of settlement/advances/transfer-in/transfer-out, if any.
  
  
• Select the EPFO office where your account is maintained and furnish your PF Account number.
  
  
• Leave the extension field blank, in case your account does not have one.
  
  
• You will be asked to enter your name and mobile number. The given mobile number will be recorded along with the PF Account Number.
  
  
• On successful submission of above information, the details will be sent through SMS to the given mobile number.

• Click Here to know the balance

Source-http://www.epfindia.com/MembBal.html

Do not invest in SBI ULIP Products

I was frustrated by investing sbi life -unit plus.They are the worst performer i have ever seen.They are cheating by the name of sbi.
They promised to give more return after 20 years.This is just like bogus promise.

I surrendered my ulip and i got less than what i invested 4 years ago.
Not only this happens to me but everyone who invested into it.

When i went for surrender so many people came there to surrender.

Please check the unit statement and surrender if you have more money than invested.Fund manager are not good it seems.They are collecting more policy allocation charges.I do not think they avail sip(i mean monthly payment option).

Many people are going to take this by 80c.we can go 80c for lic,post office..

Before going sbi-ulip,you should ask the below questions.

1.How much amount they collected for policy allocation charges?

2.Is systematic investmentoption available?

3.How about the surrender charges?

Documents Required to Surrender SBI ULIP Policy:

1.Policy Document-This is initial document we received from SBI ULIP
2.Residential Proof- Xerox copy of Ration card or voter's ID or Passport
3.Cheque- Cancelled Name Printed Cheque
4.Revenue Stamp

Buying Books Online in India

Buying Books Online in India

Buying books by online is cheaper than any shops in india.Today's growing traffic in cities,it is too difficult to go shop and spend time in shops.If we are clear about what we are going to buy,then online is the best one.One more thing we can compare and research the price difference.We can decide which deal is best for us.
I was born and brought in a small village.If i want to purcharse any book,i need to travel 200 Kms to reach coimbatore to get the books .
Now internet makes our life simpler than ever befor and world is within your palm.
Now you can book any books from any remote village in india and shipping is absolutely free of cost.There are many option to pay an amount.You can pay thru credit card or debit card or cash on delivery option
If you want to send any gifts to your friends or relative,no need to spend your time on shops to buy and send thru courier.
Instead ,you can go to online purchase and mention their address whom you are sending gifts.
http://www.flipkart.com/
http://www.infibeam.com/Books/
http://www.jumadi.in/
http://www.landmarkonthenet.com/
http://books.rediff.com/
http://shopping.indiatimes.com/Books/ctl/20375432
http://www.surabooks.com/
http://www.pustakmahal.com/
http://www.indiaplaza.in/books/
http://www.nbcindia.com/
http://www.ebay.in/

New Pension System(NPS) India

New Pension System

Failing To Plan Is Planning To Fail!. It is vibrant truth that everybody accept it.Today younger community is prefer to spend more money than saving for future.They neglected to think about the retirement pension or regular income.Retirement planning is indeed the most critical part of financial planning, and for those who are not already covered by another pension scheme New Pension System (NPS) is a great option.

NPS is a social security benefit offered by the government to target the majority of population that does not have/does not receive pension benefits from its employer.

Who is eligible for NPS?

* Any citizen of india(Resident of Non Resident) from 18 years to 55 years of Age

Is this a safe instrument?
* It is Agmark safety since it is a Government of India Initiative

what is the benefits of NPS?
* old Age Income
* Reasonable market based returns over the long term
* Extending old age security coverage to all citizens of India

Who is governing NPS?
* Regulated by pension Fund Regulatory and Development Authority(PFRDA)

Who are the fund managers?

Currently, there are six pension fund managers to choose from

* ICICI Prudential Pension Fund Management
* IDFC Pension Fund Management
* Kotak Mahindra Pension Fund
* Reliance Capital Pension Fund
* SBI Pension Fund and UTI Retirement Solutions.
* LIC Pension Fund LTD

What is the mode of operation?

Step -1: An individual needs to open an NPS account with one of the NPS’ distribution agents (banks, post offices etc.). The individual will be offered 2 accounts – TIER I and TIER II; TIER I is mandatory for all individuals opening an NPS account. On opening an NPS account, the individual is issued a Permanent Retirement Account Number (PRAN). This number remains with the individual for his life, even if he changes jobs/location. He would also be able to transact online. Currently, only TIER I is operational. TIER II is yet to be launched.

Step-2: Once the account is opened, the individual can choose the mode of operation of his/her account – which is: manual or auto.

Under manual operation, he can choose the investment options as per his risk profile (alike a ULIP). There are 3 investment options – (a) equity, (b) debt – government securities and (c) debt – non-government securities.

Under auto operation, the funds will be invested up to 50% in equity by default and the rest in debt. As maturity approaches, the funds are gradually switched to debt option in order to protect the fund from market fluctuations. Investment in equity however, is only through index mutual funds and the maximum allocation to equity is 50 % of the investible amount. The individual can also choose from the list of designated pension fund managers (currently six) to manage his pension fund.

NPS provides flexibility to subscribers where they can switch their pension funds among the three options and change fund manager if not satisfied with their performance.

Step-3: The contributions made on regular basis would grow and accumulate over the years, depending on the efficiency of the fund manager.

Step-4: On maturity, the individual has a choice to withdraw up to 60 % of the pension fund; Balance 40% is paid out by way of monthly pension.

How about the contribution to NPS?

* Minimum amount per contribution :Rs.500/=

* Maximum contribution per year :Rs.6000/=

* Minimum Contribution per year : 4 Times in a year

* No maximum contribution

* No periodically prescribed

* Contribute through cash,local cheque,DD can be accepted,but transaction booked after after realisation of cheque or DD.

What are the costs involved?

Transacting in NPS attracts both fixed and variable cost, which is deducted from the fund value.

Fixed cost:

• One-time account opening cost and issuance of PRAN – Rs 50
• Initial subscriber registration and contribution upload –Rs 40; Future fixed upfront charges – Rs 20.
• Annual maintenance charges – Rs 350
• Each transaction of NPS – Rs 10

The fixed cost adds up to Rs 470 per year.*

Variable cost:

• Annual custodian charge - 0.0075-0.05 per cent of the fund value
• Annual fund management charge - 0.0009 per cent of the fund value

What is Document Required for opening NPS account?

* Two recent colour photographs of 3.5 cm*2.5 cm

* Two copies of KYC documents(Proof of Identity and Proof of Address)

*Passport/Proof of Address card issued by india Post serves both proof of identity and Proof of Address

* Proof of Date of Birth

Advantages of NPS:

1. Cost - NPS is the cheapest among current retirement products and defined contribution schemes; It is also easy to transact in NPS.
2. Flexibility – The subscriber is given a PRAN, which will remain with him for forever. The account is portable irrespective of change in job/location.
3. Returns - The returns would be higher than traditional debt investments (such as post-office schemes, bank deposits etc) due to equity element in the investment.

Disadvantages of NPS:

1. Taxability - The contributions get tax benefit under Section 80C. However, at the time of withdrawal, the lump sum would be taxable as per the individual’s tax slab. It is a case of EET (exempt on contributions made, exempt on accumulation, taxed on maturity) unlike EPF, PPF which are EEE (exempt, exempt, exempt).
2. Comparison to mutual funds - Since the NPS is meant for retirement and financial security, it does not permit flexible withdrawals as are possible in the case of mutual funds.
3. Returns - If an individual is voluntarily investing in NPS, then he/ might as well invest in the stocks or mutual funds (MF). It is the tax benefits that would make NPS an edge above other pension products.

How can I open a NPS account?

You can open a NPS account by going to the bank branches of the banks that are authorized to sell this.

Links to know about More
http://pfrda.org.in/
http://pfrda.org.in/indexmain.asp?linkid=182
http://www.indiapost.gov.in/Pdf/SOP-NPS-2.pdf
http://www.investmentyogi.com/planning/new-pension-system-nps.aspx

http://www.onemint.com/2010/09/27/a-primer-on-the-new-pension-scheme-nps/
http://www.icicidirect.com/InvestmentAcc/NPS/Composite_Application_Form.pdf
http://www.icicibank.com/Personal-Banking/account-deposit/New-Pension-System/faqs.html

NewYork

Quotable Quotes about -Teaching

A Teacher is born not made

Education makes a man 'A man who makes the Nation'

My Most effective Lesson is My-self(Teacher).

Truth is caught rather than Taught.

Teacher's life is the life of his Teaching.

Everyone is an architect of his own Destiny.

Learning becomes an enjoyable excercise and a profitable endeavour

There is a sleeping hero in every child

The Teacher is the keeper of the gates of Tomorrow

wayynadu-God's Own Country

It is such beautiful place i have ever seen. That is wayynadu-it is known as part of God's own country. When we visit wayynadu ,we can imagine how the heaven would be.

The Pookot Lake in Wayanad is very clean and most auspicious place to enjoy.The places of Wayanad is not thickly populated area so that you can peacefully enjoy your holidays.The place is very nearer to calicut.

While visiting the places like this we are going to get dual benefits. The first and foremost thing is relaxation and next is weight reduction formula. Most of places in wayanad need trekking.The below video from suchipara false.

Golden Eggs-Mutual Funds in India

Golden Eggs-Mutual Funds in India

Investing into Mutual fund is safe and low risk compare to shares.Mutual fund is functioning in a well displine and systamatic manner.Who says that an elephant cannot dance? It can do so and when it does,everybody sits up and takes notice.
1.Reliance Growth -NAV- 309.31 (As on 12-09-2008)

• 3-Year Returns 24.79% other in the same category- 17.42%
• 1-Year Returns 4.34% other in the same category- -6.63%
• 6-Months -17.93% other in the same category- -21.31%

2.Deutsche Alpha Equity -NAV- 58.95(As on 12-09-2008)

• 3-Year Returns 27.61% other in the same category- 17.42%
• 1-Year Returns 5.57% other in the same category- -6.63%
• 6-Months -18.1% other in the same category- -21.31%

3.Sundram BNP Paribas Select Focus -NAV-69.77(As on 12-09-2008)

• 3-Year Returns 28.64% other in the same category- 17.42%
• 1-Year Returns 8.35% other in the same category- -6.63%
• 6-Months -18.13% other in the same category- -21.31%

4.ICICI Prudential Dynamic-NAV-69.66 (As on 12-09-2008)

• 3-Year Returns 25.24% other in the same category- 17.42%
• 1-Year 0.95% other in the same category- -6.63%
• 6-Months -11.13% other in the same category- -21.31%

Management guru Subroto Bagchi-The High Performance Entrepreneur.

Management guru Subroto Bagchi-The High Performance Entrepreneur.

Subroto Bagchi is a renown writer and co-founder of MindTree Consulting. He is a pragmatic and prolific writer in this century. It is very important to allow employees in organizations to be spontaneous. Life is designed to be so. But often distrust creeps in when organizations impose spontaneity and it becomes structured. I call spontaneity the white space time,” says Subroto Bagchi. He should know ,he is the author of the best selling The High Performance Entrepreneur and the recently launched Go Kiss The World(both published by penguin). He explicates that spontaneity is like a burning candle-the yellow flame never singes your but the white zone of the flame definitely does. So it is in the work area-when leaders meet the team in non agenda based space or what he calls the white space time, the likelihood of the impact is much more.

Subroto Bagchi who simply calls himself the Gardener was the co –founder and the former COO of MindTree Consulting.Bagchi gave up the position of authority of a position of service and in his present capacity works at the grassroots levels fostering innovation. And while giving a lecture about how his blind mother, who on her death bed told him not to kiss her but to go and kiss the world, it gave him the idea for this new book. It is aimed at the rural populace who comes to the big cities in search of jobs.

Bagchi in the book has constructed his personal story of constant displacement and how despite a blind mother and a father who had manic depressive psychosis, the family values were strongly imbibed by him and his siblings. Bagchi from a lower division clerk in the industries department of the government of Orissa worked his way up and went on to hold multiple posts in Wipro. He then founded MindTree Consulting.
Bagchi stressed the importance of emotional infrastructure in an organization. He points out that the strength of the middle-class Indian family is the emotional support each individual gets likewise it would be of great value to the organization if it can sense the employee’s emotional state and help him in a time of crisis. Using his own experience, Bagchi has crafted an interesting management book where he eggs the layman to go and kiss the world.
Bagchi principle

• Do more by doing less
• Learn some thing completely new
• Be one with you work
• Be your own benchmark
• Study professional practices outside the organisation
• Groom a replacement
• Learn to learn
• Watch your health
• Pray
  Source-Times of India, WEEKEND PLANNER(June 20,2008)

SYSTEMATIC INVESTMENT PLAN

SIP
There is a saying "little drops make a big Ocean". This is what exactly fitting our today's financial situation.Nowadays Earning capacity is increased rapidly. But Money saving attitude is on down the trend.There are many ways to save money. The Recurring deposit,chit,and mutual fund.
The mutual fund is the only product to meet the demand of inflation. The Recurring deposit,and chit returns are static irrespective of market fluctuation.

Always there is ups and downs in the share market. If the market is down we will get more units. If the market is up we will get the less number of units. Let's say Net asset value of mutual fund A is Rs.10.Suppose we are going to invest Rs.1000 per month.The entry load will be 2.25%.The entry load for Rs.1000 is Rs.22.5. The actual investment portion will be Rs.977.5.(Rs1000-22.5) . Number of unis for Rs.977.5 is 97.5.(Investment Portion/NAV=977.5/10).The following is the real time data which will give you real understanding of Mutual fund benefits.Each month unit will be allocated .
You will notice one month there will be more number of units and other month there will be less number of units.Finally the total number of units will be 699.057.
Nav on final month will be 22. So final value will be Rs.15,379.54.

Month	Amount	Price	Number of units	Balance in units
DEC	Rs.1000	18.28	54.705	54.705
JAN	Rs.1000	15.65	63.898	118.603
FEB	Rs.1000	15.54	64.350	182.953
MAR	Rs.1000	14.32	69.832	252.785
APR	Rs.1000	15.41	64.893	317.678
MAY	Rs.1000	16.10	62.112	379.790
JUN	Rs.1000	16.51	60.569	400.359
JUL	Rs.1000	18.18	55.006	495.365
Aug	Rs.1000	16.32	61.275	556.640
SEP	Rs.1000	19.49	51.308	607.948
OCT	Rs.1000	20.97	47.687	655.635
NOV	Rs.1000	23.03	43.422	699.057

Systematic

ICICI LIFE STAGE PENSION PLAN

ICICI LIFE STAGE PENSION PLAN

This is really good and beneficial plan which i have ever seen. Most of the ULIP Plans are collecting heavy amount for policy allocation. But this is plan for total investment option. All of your amount goes on investment portion. You can avail Tax Benefit also. You enjoy your life is same as "Government Employee" i.e you will get the permanent pension as per your desire.

Your money grows when the market performs well. Even the market is under performing still you will get good income compare to Traditional saving scheme such as Fixed Deposit,Post office...so on. This is better than the ELSS . In ELSS they will charge for entry load such as 2.25% whereas there is no entry load here.

Retirement time is the time to live your dream, dream that you have been putting off as you never had the time for it. But your retirement dream has a cost attached to it. We call this your retirement number.
To help you achieve your retirement number ICICI Prudential presents to you, LifeStage Pension.
One of the most distinguishing features of this policy is that it has no premium allocation charge for regular premiums which means 100% of your money is invested. What’s more, the policy provides you with a unique lifecycle-based strategy that continuously re-distributes your money across various asset classes based on your life stage and risk tolerance, eventually providing you with a customised retirement solution. Invest today to attain your retirement number and fulfill your dreams.
Benefits
• Option to choose a unique and personalised lifecycle based portfolio strategy to create ideal balance between Equity and Debt.
• This plan invests 100% of your money in the portfolio of your choice.
• Enjoy the flexibility to choose from 5 pension options through which you can receive your pension.
• Opportunity to earn potentially higher returns by investing in Unit Linked Funds.
• Receive tax-free commutation up to one-third of the accumulated value on vesting (retirement) date.
• Avail tax benefits on premiums paid u/s 80CCC.
Features
Minimum/Maximum Entry Age -18 years to 70 years
Maximum Cover Ceasing Age -80 years
Minimum/Maximum Policy Term-10 years to 62 years
Minimum/Maximum Vesting Age-50 years to 80 years
Premium Payment Frequency-Monthly, half-yearly, yearly
Minimum Premium-Rs. 15,000 p.a
Tax Benefit-Under Section 80CCC, as per prevailing Income Tax laws on premium paid for base policy

This is the best pension one should invest.In future we will get enormous return which is beyond comparable
Fund Performance

NAV(11.01.2008) : Rs.15.56/=

Last 3 Mths Return :9.27%

Last 6 Mths Returns :31.86%

Since Inception :55.60%

Let us say if you invested Rs.1,00,000/= on 20.03.2007,the value will be Rs.1,55,600/= as on 11.01.2008.
Feel free to add your comments my dear brothers and sisters.

java/j2ee interview questions

Java/j2ee interview questions
1. What is connection pooling?
2. What is externalization and serialization?
ANS- It is the process of storing the object state into persistent state. Whereas in the case of externalization jvm will take care.
3. What is jar,war and ear
4. How is validation done validator.xml in struts?
5. How do you set connection pooling?
6. What is the use of web service?
7. What is the use of static?
8. Which collection is the best?
9. What is difference between set and list?
10. How to calculate the efforts for screen enhancement?
11. How to retain session values?
12. You are redirecting your web page to another page for password validation when come back to previous page, what will be the session value i.e same session value or different value
13. When the session is created which event is called?
14. What is difference between HashTable and HashMap?
15. How to set the session time out value?
16. How to improve the performance of the project?
17. What is use of finalize() method?
18. Why you go for HashTable?
19. Overriding and overloading?
20. How to convert list duplicate values to non-duplicatable?
21. What is AJAX?
22. What is XSD?
23. What is thread?
24. Which java coding standard is useful one.
25. What is static?
26. What is the different kind of Exception?
27. What is final and finally?
28. What are the xml Parser?
29. How to declare the array structure like below?
30.how to declare HashMap such away it accept only Boolean value?
31.How to make arraylist as synchronized one?
32.Differnce between Apache and Tomcat?
33.How to set connection pooling in Tomcat?
34.what is statement and explain callable and prepared statement?
35.how to configure jsp page in web.xml?
36.what is difference of creating RequestDispatcher by using getRequest Dispatcher and ServletContext?
37.what is the advantage of using Appserver?
38.How to swap the variable without using temp?
39.what is the difference between CGI and Servlet ?
40.How to prevent the Instance from outside class not in the same class?
41.String s1 = new String (“abc”)
S1.replace(‘a’,’b’);
42.How to compare Strings?
43.what is the difference between “= =” and equals() method?
44.what is Autoboxing?
45.what is JDK 1.5 features?
46.what is the size of ArrayList?
47. how to represent the class A contains class B in UML Notation?
48.what it business delegation?
49.how to catch the errors from package?
50.why do we go for taglib?
51.what is difference between session and hidden variables?
52.How jsp is going to be converted into servlet?
53.How to navigate in Struts?
54.How to display a set of values from db to JSP?
55.what is trigger?
56.How to check particular string contains in a List?
57.what is the difference between Application Scope and session Scope?
58.why do we go for taglib?
59.what is difference between session and hidden variable?
60.How to estimate as interms of function Points (FP)?
61.what are the documents in functional specification?
62.what are the difference JSP Tags?
63.what is init method in Servlet?