Kuch panktiyan ... bhartiya jawanon ko mera naman ...
Bhagwa Safed Hara
Jeevan chakra mera
Dharm, satya dharti ma
Sada bharatiya mein rahoo
Bharatiya mein jiya
Bharatiya hi mara
Bharatiya mein chala
Bharath kay liye chala
Bhagwa Safed Hara;
Jeevan chakra mera...
Tuesday, January 26, 2010
Saturday, January 23, 2010
Hide your Facebook friend list from others
"I dumped my girlfriend last week, and she is visiting my Facebook & Orkut profile, and leaving wrong information to my friends by going through my friend list. What to do?" There may be many scenario like this, where you think your friend list must be private & hidden from other users / non-friends. One new feature launched in Facebook solves the problem.
Now you can hide your friend list from everyone who is not your friend. It can be done in few easy steps:
Now you can hide your friend list from everyone who is not your friend. It can be done in few easy steps:
- Open your profile page
- Scroll down to your friend list section
- Click at the pencil icon there to edit
- Uncheck the box that says "Show Friend List to everyone.
- Done
These settings can be crossed checked in "Settings, then Privacy Settings".
One point need to be noted that you can't hide your friend-list from your friends.
New Post : http://timir126.blogspot.com/2011/06/facebook-friend-list-hide-from-others.html
One point need to be noted that you can't hide your friend-list from your friends.
New Post : http://timir126.blogspot.com/2011/06/facebook-friend-list-hide-from-others.html
Friday, January 15, 2010
Some humor
Arz kiya hai
Jeevan me kamyab hone ke liye 3 factory lagao !!!!
1) Dimag me Ice factory.
2) Zuban par Sugar factory.
3) Dil me Love factory. Phir life hogi satisfactory..
Ek din Sagar ne Nadi se pucha:
Kab tak milati rahogi mujhe khare pani se ???
Nadi ne haskar kaha :
Jab tak tujh me mithas na aa jaye tab tak !!!
Thats "RELATIONSHIP".
Dostana andaaz mein Mujh se kisi ne pucha,
Tum sabko email bhejhte ho ? Tumhe kya milta hai ?
Maine hass kar kaha, Dena Lena to Vyaapar hai,
Jo dekar kuch na mange, Wo hi to PYAR hai.
1 tree makes 1 Lakh matchsticks.
But 1 matchstick can burn 1 Lakh trees.
Similarly 1 negative thought or doubt can burn thousands of dreams....Be Positive Always !!!
Chehre ki hasi se har gam chupao,
Bahut kuch bolo par kuch na batao...
Khud na rutho kabhi, par sabko manao
Ye Raz hai Zindagi ka, Bas Jite chale jao
Wa prabhu kya leela teree :
Chuhe Billi se darte hai,
Billi Kutte se darte hai,
Kutta Aadmi se darte hai,
Aadmi Aurat se darta hai,
Aurat Chuhhe se darti hai.
Jeevan me kamyab hone ke liye 3 factory lagao !!!!
1) Dimag me Ice factory.
2) Zuban par Sugar factory.
3) Dil me Love factory. Phir life hogi satisfactory..
Ek din Sagar ne Nadi se pucha:
Kab tak milati rahogi mujhe khare pani se ???
Nadi ne haskar kaha :
Jab tak tujh me mithas na aa jaye tab tak !!!
Thats "RELATIONSHIP".
Dostana andaaz mein Mujh se kisi ne pucha,
Tum sabko email bhejhte ho ? Tumhe kya milta hai ?
Maine hass kar kaha, Dena Lena to Vyaapar hai,
Jo dekar kuch na mange, Wo hi to PYAR hai.
1 tree makes 1 Lakh matchsticks.
But 1 matchstick can burn 1 Lakh trees.
Similarly 1 negative thought or doubt can burn thousands of dreams....Be Positive Always !!!
Chehre ki hasi se har gam chupao,
Bahut kuch bolo par kuch na batao...
Khud na rutho kabhi, par sabko manao
Ye Raz hai Zindagi ka, Bas Jite chale jao
Wa prabhu kya leela teree :
Chuhe Billi se darte hai,
Billi Kutte se darte hai,
Kutta Aadmi se darte hai,
Aadmi Aurat se darta hai,
Aurat Chuhhe se darti hai.
Tuesday, January 12, 2010
Have you enabled Auto-Sweep?
Saving account is a special place for day to day transaction like ECS, salary, loan & credit card payments etc which keep money flowing bidirectional. It carries interest rate of 3% to 3.5%. The alternate way to gain higher interest rate has some schemes with some locking period, which are like PPF, NSC, LICs, bonds, Fix & recurring deposits and Mutual funds with market risks associated with it. Traditional fix deposits provide an interest rate of 6-7%.
But as major chunk of our money is kept in saving account attracting interest of only 3%, one can opt for a scheme which give benefit of Savings Account + Fix deposits, called Auto-sweep.
What is 'Auto Sweep'?
It is combination of saving & fixed deposit. It interlinks saving and deposit accounts.
How 'Auto Sweep' works?
A customer specifies the amount to be kept in the savings account or agrees to the minimum amount as decided by banks for auto sweep. An amount above this specified limit, called as threshold limit, is then automatically transferred to the customer’s fixed deposit account, which is attached to the savings account. Thus, the money does not remain idle in this arrangement and also earn a higher rate of return for the customer. Whenever the customer wants to withdraw money greater than what he/she has in the savings account, the excess is reverse-swept from his/her fixed deposit account. In this case, the customer earns interest as per the prevailing fixed deposit rates for that particular period. In simple words
An Example?
Let’s understand this with the help of an example.
Vishnu deposits Rs 30,000 in his ‘Auto Sweep’-enabled savings account on Jan. 1, 2008. The defined threshold limit for his ‘Auto Sweep’ account is Rs 10,000 while the minimum balance required by the bank is Rs 5,000. So, out of his total deposit, Rs 20,000 will go to the fixed deposit account which offers a higher rate of interest. (Presently, one-year deposits carry an interest rate of 8 per cent.) Vishnu withdraws Rs 15,000 on Jan. 1, 2009. Since he is already having Rs 10,000 in his savings account (assuming that he has not done any transaction in this period) and he has to maintain a minimum balance of Rs 5,000, he requires another Rs 10,000, which will be taken from his fixed deposit account. He earns 8 per cent on the deposit of Rs 10,000 (remaining amount in the fixed deposit account) unlike in normal savings account where he earns only 3.5 per cent. In case Vishnu withdraws all his deposits after a period, say, 5 months, he would be entitled to get the prevailing deposit rates for 5 months along with certain penalty (usually 1%), which in any case will be higher than 3.5 per cent, the current savings account rate.
Any Disadvantages?
With Auto Sweep facility, investors get the best of both worlds – they enjoy the liquidity of savings account and at the same time earn extra return from fixed deposit account. This is one of the best way to channelize and utilize one’s unused savings, especially meant for salaried people who often end up with some idle money in their savings accounts. So, if your savings accounts are still not activated for the auto sweep facility, ask your bank officials to enable it for the threshold limit as desired by you or to the bank’s minimum threshold limit.
Other sources?
But as major chunk of our money is kept in saving account attracting interest of only 3%, one can opt for a scheme which give benefit of Savings Account + Fix deposits, called Auto-sweep.
What is 'Auto Sweep'?
It is combination of saving & fixed deposit. It interlinks saving and deposit accounts.
How 'Auto Sweep' works?
A customer specifies the amount to be kept in the savings account or agrees to the minimum amount as decided by banks for auto sweep. An amount above this specified limit, called as threshold limit, is then automatically transferred to the customer’s fixed deposit account, which is attached to the savings account. Thus, the money does not remain idle in this arrangement and also earn a higher rate of return for the customer. Whenever the customer wants to withdraw money greater than what he/she has in the savings account, the excess is reverse-swept from his/her fixed deposit account. In this case, the customer earns interest as per the prevailing fixed deposit rates for that particular period. In simple words
- You decide the maximum amount that you want in your account. This is also called the threshold limit.
- The amount for which the FDs need to be created, is decided
- The tenure of these FDs, is decided.
An Example?
Let’s understand this with the help of an example.
Vishnu deposits Rs 30,000 in his ‘Auto Sweep’-enabled savings account on Jan. 1, 2008. The defined threshold limit for his ‘Auto Sweep’ account is Rs 10,000 while the minimum balance required by the bank is Rs 5,000. So, out of his total deposit, Rs 20,000 will go to the fixed deposit account which offers a higher rate of interest. (Presently, one-year deposits carry an interest rate of 8 per cent.) Vishnu withdraws Rs 15,000 on Jan. 1, 2009. Since he is already having Rs 10,000 in his savings account (assuming that he has not done any transaction in this period) and he has to maintain a minimum balance of Rs 5,000, he requires another Rs 10,000, which will be taken from his fixed deposit account. He earns 8 per cent on the deposit of Rs 10,000 (remaining amount in the fixed deposit account) unlike in normal savings account where he earns only 3.5 per cent. In case Vishnu withdraws all his deposits after a period, say, 5 months, he would be entitled to get the prevailing deposit rates for 5 months along with certain penalty (usually 1%), which in any case will be higher than 3.5 per cent, the current savings account rate.
Any Disadvantages?
- Amount must be transferred for a minimum period to avoid any penalty. E.g. If money stays at-least 3 months out of minimum period of 1 year, one may go for it.
- Some banks calculate simple interest in 'Auto sweep' unlike of cumulative interest on Fixed deposits.
With Auto Sweep facility, investors get the best of both worlds – they enjoy the liquidity of savings account and at the same time earn extra return from fixed deposit account. This is one of the best way to channelize and utilize one’s unused savings, especially meant for salaried people who often end up with some idle money in their savings accounts. So, if your savings accounts are still not activated for the auto sweep facility, ask your bank officials to enable it for the threshold limit as desired by you or to the bank’s minimum threshold limit.
Other sources?
- ICICI bank http://www.icicibank.com/pfsuser/temp/tcbank_rules_regu.htm
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