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29 July 2011

How to avoid credit card debts

Credit cards have become a crucial part of man's life. They have bought a complete revolution in our life and spending habits by making our purchase and other transaction become easy and convenient. You don't have to carry bundle of notes to make a big purchase. The plus point of having a credit card is, you can you can track your expenses.

Before even getting a credit card take a minute and question your need for one, and consider how healthy your financial practices are. Are you actually managing your finances, or do you swing from month to month on pure chance and luck? Don't get attracted to just the benefits of credit cards. Because credit card makes you spend money without a foresight. This might get you into debt.

Take a look at what happened to Rehman, a middle class man who was trapped in Rs 3,000,000 debt. He got six cards and nine unsecured loans. He did his best to hide this fact from his wife and friends, but all in vain. His business was failing, so he started using the credit cards to withdraw cash, which he spent on everything from paying his staff to feeding his children. Rehman didn't realize that with most credit cards, high interest charges kick in immediately when you withdraw from ATMs. His feelings of shame prevented him from seeking help. During this traumatic period he was constantly haunted with thoughts of committing suicide and absconding. I am sure you would not want to be Redman's place. You can prevent yourself from getting into credit card debts.

But this doesn't mean you stop counting on credit cards completely. So as you use a credit card keep the following precaution in mind.

Avoid too many credit cards
Undoubtedly credit cards come handy during emergency situations and facilitate payments. But credit cards tempt you to spend without thinking and it is this reckless spending is what gets you into credit card debt that becomes difficult to recover from. Like Rehman who owned six credit cards and got into severe debt that he couldn't repay. Therefore it is best to just take one credit card and avail reward points on that so that you could encash the points quickly.

Have an emergency fund
We think that credit cards are used for emergency situation, but it is unwise to consider it as a general rule. Emergency funds are always beneficial. You could use these funds for any medical expense or a major car repair. You could avoid using credit cards here by paying in cash. Emergency funds should be used as a back up to face emergency situations.

Use credit card based on your recovery capacity
Avoid the mistake of using a credit card to buy things you really can't afford. Don't make a purchase if you can't afford to pay back the cash. Spending more than what you can repay is highly undesirable and could get you into credit card debt. And don't keep a credit card balance for more than six months. Because beyond that point, the compounding of simple interest can produce a very expensive balance to pay off. If you remember this what happened in Rehman's case. He didn't know with credit cards, high interest charges occur when you withdraw from ATMs.

Avoid cash advance withdrawals
When faced with any emergency situation, don not even think of making cash advance withdrawals. This is the worst thing you can do with a credit card. Rather have a smart spending plan and have emergency funds as a backup. If you have to use your credit card to get cash, there's probably something wrong with your finances. A cash advance is the early stages of credit card debt.

Avoid balance transfers
To avoid getting into credit card debts avoid balance transfers from one credit card to the other. Only if you have a valid reason like you transferring your balance because of lower interest rate then go ahead with it. Else your balance will shoot up due to balance transfer fee.

Make full payments in time
Pay your balance punctually every month. Even a slightes

A software that prevents terrorist attacks through water

U.S. researchers have reportedly developed a free software that can safeguard water utilities from terrorists attack and natural contaminants.

The software programmed known as CANARY Event Detection Software has been developed by scientists at the Sandia laboratories in New Mexico in association with U.S. Environmental Protection Agency (EPA).

It is said that the habit of taking drinking water from kitchen taps are prone to terrorist attacks and other contamination and the researchers claim that through the enhanced detection by the new software program, public water system can be protected.

According to a Sandia statement, Regan Murray, Acting Associate Division Director at EPA's Water Infrastructure Protection Division, said, "People are excited about it because it's free and because we've shown that it works really well. We would love to have more utilities using it."

The software can alarm the utility operators within minutes if they find something wrong with their water. CANARY runs on a desktop computer and can be modified for individual water utilities working with existing sensors and software.

Sean MacKenna, the Sandia researcher who led the team that developed CANARY, added that it works at lightning speed and will also enhance the water qualities.

More versions of the software are to be installed at water utilities. Moreover, researchers are now functioning on new areas for CANARY, like computer network traffic logs and geophysical log analysis used by petroleum drillers to analyze rocks at different depths.

They claimed that it is being used in the city of Cincinnati, in Singapore and Philadelphia is soon to follow them.

Google+ traffic falls: Is the shine soon to fade?

The launch of Google+ was envisioned as a milestone. But the happiness fades this week, when a new data released by market researcher Experian Hitwise reports that Googl+'s traffic fell by 3 percent this week. The site was viewed by fewer US visitors, and on an average spent less time on the site.

Google+ had 1.86 million viewers last week, which dropped down to 1.79 million this week. The usage time also fell by 10 percent from 5 minutes and 50 seconds to 5 minutes and 15 seconds on average.

Though the result for this week looks frightful, but the situation is not that grungy. Google+ has recorded an impressive growth, whipping almost all the gurus in tech field and the popularity of the product picks the traffic back. Now the success for Google+ entirely depends on their marketing techniques, and how they attract viewers to come back to the site again and again. The coverage and usage of a newly launched product is expected to cushion within weeks. Introducing new features might help in enhancing traffic and broaden the product's appeal.

Presently Google+ is providing an invite-only service and is targeting new users. So the product can gain a lot of attention, if they open the service to all. However, still a lot of work has to be done on Google's part, they should soon come up with some new gaming features in order to give a tough competition to its rival Facebook.

Larry Page, Google's CEO, is not at all demoralized rather he looks enthusiastic. Google+ could grow, only if they make right choices at right time. Moreover, this can just be taken as a learning experience by Google to overcome such situations in future.

VISA Power raises $111 Million from Blackstone

Kolkata-based VISA Power, an independent power producer that is a part of $1 billion VISA Group, has raised $111 million from Blackstone. JM Financial Consultants was the advisor for the deal.

VISA Power is focused on the development, ownership and operation of thermal power projects with 2,520 MW projects in Chhattisgarh and Orissa that are under execution and 5,280 MW projects under planning. The project in Chhattisgarh and Orissa is at an advanced stage of development. They have also secured a power-trading license from the Central Electricity Regulatory Commission.

Former Tata Steel Executive Vishambhar Saran established the VISA Group. Saran, Founder and Chairman, VISA Group, said that the power sector in India is on a rise and it is difficult to sustain the country's high level of economic and industrial growth.

Saran has experience of almost 40 years in the iron and steel industry, with over 25 years with Tata Steel in the areas of development and operations of mines, mineral beneficiation plants and ferro alloy plants, port operations and international trading of raw materials for the iron and steel industry. He was the Director (Raw Materials) in Tata Steel before taking over as Chairman of the VISA Group in 1994. In a short span of time, VISA Group has made a global presence in Australia, China, India, Indonesia, Singapore, South Africa and Switzerland. He is the President of Indian Chamber of Commerce and Honorary Consul of Bulgaria for Eastern India.

Akhil Gupta, Chairman and MD, Blackstone Advisors India, said that they believe that India needs an investment of $200 billion in the power sector if which one-fourth is required in equity.

28 July 2011

How to Educate your kids on value of money?

Teaching kids about money is a controversial thing. You would not want your money worries to be passed down to our kids. You approach the subject of money in a pragmatic way which will help to enable your kids in their future. Kids know how to get their things by crying or whining. But when your 11 year old kid is asking you for an IMAC laptop. What do you do? You definitely draw a line and say it's not possible. Rather than providing them money why don't you educate your kids about money.

Before you could begin with this, try and place yourself in your child's shoes. Try to remember what your top financial concerns and priorities were at that age. Then get to know about their thoughts on money. It gives your kid a feeling that you are interested in their opinion and this will help make financial conversations more productive. One of the best ways to teach a child, even a young child, about the value of money is to allow them to have and control their own.

Follow these guidelines to teach your kids on money

Let them control the money
If your kid doesn't have control of money before adulthood, they will feel that money will always be provided to them. By doing so you making them responsible for spending money in future. Over the period of time they will learn how to spend money carefully.

Take your kid along with you when you are shopping for a toy or a dress for her/him by fixing an amount you will spend for shopping. Ask him to choose an item inside the budget. When he/she picks an item, try to tell them how worth it is to spend on that particular item. Give them an option to choose a high priced single item vs multiple items for low price. Also when they come to the cash counter, let them handle the paying part. By giving the flexibility for your child to choose, but with a specific amount you are making him/her a responsible buyer. By asking them to pay at the counter, they will learn to take ownership and also learn to handle cash in hand.

This will help them to make decisions, through trial and error. It's good they learn this at a young age.

Teach them the value of earning
When your child asks for money, don't just pull it from the purse and give them. Give them a small goal to achieve to earn that money. Simple things like making the room to help you in the kitchen or watering the plans will instill in them the value of earning.

Saving money
The demand of a kid is always high. They'll want to buy something larger than the amount they have on hand. In such cases teach your kid of saving money for an objective. Piggy banks are a good way to start. It boosts your kid when they notice their savings have increased. They will realize that by increasing their savings they can attain their goals quickly. This will also help him to avoid impulsive buying.

How to plan Savings
It's good if your kid learns the importance of saving and makes this as a habit. Next will be to teach him how to save money and invest for different purpose. You could divide his saving for example, Rs. 50 for birthday gift, Rs. 80 for weekend picnic. In this way your kid will learn to invest for different purpose and he will learn how to plan in his saving at an early age.

Use creative methods
You could creative ways to teach your kids about money make them financially prepared to deal with the real world. Use educational and interactive board games, get tighter with your kids and have a brain storming session on how you could make more money, try and include your children into bill pay, watch news with your kid, after a certain age instead of gifting your kids with story books, give educational money books as gifts, incorporate your children into your financial and investing life.

Involve children in household budget
Try and involve your kids in the household budget. e.g. discuss your budget to invite guests in their birthday party, or if they want new writing table for their room then they have to avoid their games or toys etc for sometime. So that children could learn to adjust themselves according to household social circumstance.

Future PCs to break calculation barriers

Future computers will perform complex calculations unthinkable for existing models with scientists tweaking a mechanism to process and transmit data at phenomenally high speeds.

Future computers will exploit the mind-bending properties of quantum particles, a mode of computing that relies on quantum bits or qubits, encoding information as ones and zeros.

While a bit can represent either a one or a zero, a qubit can represent both one and zero simultaneously, a state known as superposition.

This allows for instantaneous processing of calculations in a truly parallel system, skyrocketing computing ability, the journal Nature magazine reports.

Using intense magnetic fields, Susumu Takahashi, assistant professor at the University of Southern California's Dornsife College and colleagues managed to suppress decoherence, a key stumbling block in quantum computing.

Decoherence, described as a "quantum bug," knocks quantum particle out of superposition, the ability to exist simultaneously in one and zero states, which has delayed the creation of a fully functional quantum computer, says a Southern California release.
Researchers figured out that qubits function optimally when decoherence is reduced by 1,000 times, something which crystalline molecular magnets helped Takahashi accomplish.

"This will obviously increase signals from the qubit drastically, so the detection of the qubit in the molecular magnets is much easier,"

Microsoft opens new R&D facility in Bangalore

Microsoft today announced its new state-of-the-art R&D facility here. The 1,54,000 sq ft building would house the Bangalore Microsoft India Development Centre (MSIDC) team that contributes to Microsoft Corp'sadCenter technologies, as well as the researchers from Microsoft Research India.

Microsoft's first R&D centre was set up in Hyderabad in 1998, whileMicrosoft Research India was established here in 2005.

Inaugurating the building, Qi Lu, President, Online Services Division, Microsoft Corp,said for the last one decade, India has been a key player in Microsoft's strategy of global shared development.

"The availability of world class talent, advanced infrastructure and proximity to the booming emerging markets of the world are key reasons behind this. The decision to set up our second R&D centre in Bangalore reinforces Microsoft's commitment towards India," Qi said.

Last April, Microsoft announced the extension of its engineering efforts to Bangalore as part of the Search alliance between it and Yahoo Inc.

"The process of transition is now complete.With the combined strength of Yahoo and Microsoft Corp's Search marketplace, we are ready to deliver greater and improved innovation for consumers, better volume and efficiency for advertisers and better monetisation opportunities for web publishers," Qi said.

27 July 2011

Should you borrow to invest?

Borrowing money to invest is a risky trade. Though some people are hesitant to borrow to invest, this can be a powerful wealth-building strategy. If you are an experienced investor, and you have a good credit history and you are looking for an alternative strategy to grow your wealth, Leveraging or investing with borrowed money may be a good option. While borrowing to invest magnifies both positive and negative returns, you can reduce risk by adopting a strategy that reflects your personal risk tolerance and financial circumstances.

Borrowing to invest is also called 'gearing'. Before executing your plan of leveraging, weigh the pros and cons. Whether this will help you build on your income.

Risk Factor

Borrowing to invest magnifies the highs and lows. The result can be ruinous when the market falls. There are chances of you losing your investment and end up owing money to the lender. The more you borrow, the greater the risk.

It is very risky when you are investing in a diversified portfolio or managed funds and you are borrowing more than 50 percent. The less diversified your investment, the greater the risk. If you plan of investing in just one company or one industry then it's recommended you don't borrow.

Make sure you do not borrow against your home and use the money for the purpose of investment. It is very treacherous. Have you given a thought of what would be the outcome when the investment turns bad and you can't keep up your loan repayments? You would lose your home.

If earlier you had availed a personal loan calculate and see if you can afford the loan repayments if rates go up. If the rates go up by 2 or 4 percent, the repayments get too expensive. You would have no other option than to sell your investment in a hurry at a low price.

Loan is a legal contract which you got to repay regardless of how the investments perform. If their value goes down, you may be subject to a margin call, depending on the type of investment loan used.

The tax rules regarding the tax deductibility of interest are subject to amendment. It's important to keep abreast of changes.

Key Benefits

On borrowing money to invest is quite similiar to availing home loan where the mortgage provided by the bank allows you to purchase the house with the bank's money.

With the help of these additional funds borrowed, you can invest in diversified portfolio. With this you get into a monthly loan payment, for which you need a savings plan. This helps you deal with your monthly saving plans.

Borrowing money to invest may create a deduction for interest costs incurred. Leverage can magnify effective after-tax returns.

Borrowing to invest though has exciting benefits; it has a down side to it. It is your choice as an investor whether borrowing to invest is suitable option to meet your demands? The value of your investment will vary and is not guaranteed, however, you must meet your loan and income tax obligations and repay your loan in full.

Now, a new software BookieMonster that helps kids to read!

Here's some good news for worried parents - researchers have come up with an innovative way to help children learn to read.

A team ofWaikato University has developed a software, BookieMonster", which they claim acts as a reading coach for kids - in fact, it computerises a proven method of learning tuition, dubbed "repeated reading" using computer-generated voices andspeech recognition.

Children using thesoftware listen to text being read aloud by the computer, following the words as they are progressively highlighted on-screen in time with the voice, similar to karaoke, say its developers.

After hearing a text read to them a few times, they then read it back to the computer via a microphone.

The software recognises their speech and provides the same progressive text highlighting that they received while being read to.

The students now have a working prototype and are setting up trials in local schools. Ultimately they hope to see their software distributed via existing initiatives in developing nations where literacy in some places is as low as 50 per cent, say the researchers.

It also has the potential to assist in teaching a second language, they say.

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26 July 2011

Registration of overseas online firms to be made mandatory

New Companies Bill to make direct-to-home shopping sites accountabe to Registrar of Companies.

In a bid to make foreign companies engaged in online and direct-to-home business practices in India accountable, the Ministry of Corporate Affairs (MCA) will make enrolment of all such companies with the country’s Registrar of Companies (RoC) mandatory.

The need to have control over such organisations was felt in the wake of increasing instances of online businesses that cut across national boundaries.
The proposal for mandatory registration will form part of the new Companies Bill 2011, a senior official said.

The government may also verify that the promoters of the overseas firms or their business associates in India, including logistic partners, have not committed any economic offences under any national or international jurisdiction.

“The track record of the directors of the company will be sought to ensure they are not fly-by-night operators who had been convicted or banned from conducting business or establishing firms in other countries,” the official said.

Details of previous businesses of the promoters and their associates will also be sought before the company gets an approval to do business in India.

The Companies Bill 2009, a revised version of which is being finalised now, already contains the existing set of basic disclosures that are required to enable a company to operate in the country. These include details of the companies’ charter, statutes, memorandum, articles etc. Contact details of the senior management team will also be sought. Similar disclosures will have to be made about their business associates in India.

Recently, MCA had had initiated a probe into the activities of foreign companies that are registered abroad but have business operations in India.

The inquiry was triggered after complaints were registered against Singapore based SpeakAsia over its business practices. SpeakAsia, which charges an annual membership fee of Rs 11,000, pays back its members for conducting online surveys for its clients. The company had refused to disclose the names of the clients to whom it sells the survey results.

The controversy erupted in May after an investors’ protection group filed a public interest litigation before the Bombay High Court. The court issued summons to five top officials of SpeakAsia. The MCA probe was initiated in the backdrop of these allegations.

Why gold loan is better than personal loan

Planning something as big as a wedding or may be purchasing an expensive birthday gift. And you have certain constraints in accomplishing this task when you running out of funds. What do you do when trapped in such a financial crisis? You would either use your credit card or avail for a personal loan? A better option would be to pledge your gold for a loan. Instead of keeping that gold jewelry, coins, bars locked in your locker, use it to meet your emergency. The interest rates are st
riking than personal loans. The interest rate depends on how much gold you offer to the lender as safety. So the more jewelery you pledge lower will be your interest rate. Interest rates generally vary between 10 percent and 20 percent. And for personal loan the interest rates are more than 20 percent.

Earlier it was the pawn brokers who dealt with this policy of lending money against gold, but now a large number of banks and non-banking financial companies (NBFCs) have entered this space. Gold loans are cheaper than most other loans, other than a home loan.

How does it work?
When you pledge your gold ornaments, the lender provides you with liquidity at a fixed rate of interest. Loans are certified after inspection of basic documents and satisfactory evaluation of the gold pledged. The amount is given in the form of cash, demand draft or sometimes even an account transfer. The amount is then disbursed in the form of cash, demand draft or sometimes even an account transfer. The process is quicker than personal loans.

Types of loan
Banks offer two kinds of loans against gold.

Term loan: You can take the full loan as a lump sum and repay only at maturity instead of paying back every month along with interest.

Overdraft facility: You can draw more money than your available bank balance. For this loan, you have to have a savings account with the bank. You can use the funds as and when required. In this, you pay interest on the amount of the overdraft that you use and the time you use it. The interest part is debited from your account at the end of each month.

The loan comes at fixed or floating interest rate of between 9.5 percent and 24 percent and varies from lender to lender. If you have a higher credit score, you to reduce the rate.

Whom to approach
Few public sector banks, such as Canara Bank and Allahabad Bank. Among private sector banks, ICICI Bank and HDFC Bank provide loan against gold. NBFCs such as Muthoot Finance and Reliance Consumer Finance also provide this loan. As these units are in dematerialized form, they are easily movable and easily en-cashable.

Tips to avoid losing money in stocks

Indians are currently most optimistic investors. One thing that comes to the mind of an investor is which stocks to invest in. Shares are considered to be one of the most perilous forms of investment. Because there always lingers a fear of losing money with the descend of market that puts off several investors from investing in stock market. You also know there are two sides to every coin; likewise any investment comes with its own shares of risk.

A fearful investor support their entire system, thoughts and style of investing on a negative thought process. Whereas a successful investor, whether it is stocks, real estate or businesses, always develop strategies to protect from the down-side by concentrating on the reward against the original risk. Make a drift from a fearful investor to a smart investor, and follow these tips given below to save your money.

Tips to avoid losing money in stocks

Stay invested
The up and down phase of the market is very obvious. The stocks never stop to move. You witness both gains and a red day where you suffer loss. When you are sailing through such bad period, don't think of taking away all your money, stay invested because when the markets bounce back, the rise is nearly 9.8 percent per month on an average after it touches the bottom. There are times when the returns will be double of what you have invested during the bounce back. For a developing market like India, be confident and stay invested; you will definitely earn profit when the markets bounce back.

Do not fear the bear Phase
As mentioned above at times the market is bullish. A few dips are inevitable, but the growth story does not stop there. So investors don't fear the bear ride because it is always shorter than the bull phase. Don't fall a prey to fear, get hold of all those fears and stay invested. Don't come under any selling pressure. As the stocks get underrated during the bear phase there is almost 100 percent assurance that during the recovery phase the investor will receive profit.

Don't make decisions in haste
Familiar with the line 'Haste makes waste', yes when dealing with equity market be prepared to face risk. As an investor be patient and don't make decision in haste when faced with pressure. In an investment the bulls and the bears will surely be there. At the end it's the patient and smart investor who is rewarded and not the one who fears facing loss and makes decision in haste.

Invest in diversified stock
A common trend noticed among most of the investors is to deposit their money in similar stocks, after some very successful initial proceedings. It is best to invest in diversified stock. You could invest in different sectors like real estate, infrastructure, Gold, oil and Gas. The benefit you get by investing in diversified stocks is that if any sector slumps you can still receive profit from other sectors. One should balance their portfolio.

Know where you want to invest
The most important thing for an investor is to protect his money. So as investor know which company you are interested in investing very well, know the stake of the promoters, FII exposure, quarterly performance and the strength of the order books too. Just don't invest in a company because you were given tips on investing in that company. Don't make any investment without complete information.

Don't just hold stocks, turn bad stocks into good stocks
Don't hold your stock too long, there is a value when stocks are sold. Long term investment plan is not practical anymore. The best strategy is to sell the stocks that are not earning money, and reinvest elsewhere. Buy low and the sell the same for a higher value. This will help you earn more than enough to compensate the loss.

3-D Hurts: Evidence of consistent eyestrain, headaches discovered

"It's noticed that the eyes strains, while watching 3D content", reveals a Samsung study. It is noticed that the eyes start facing problems when it's asked to simultaneously focus on the screen while adjusting to the distance of the content.

Author Martin S. Banks, Professor of Optometry and Vision Science, University of California, Berkeley, explains, "When watching stereo 3D displays, the eyes must focus - that is, accommodate - to the distance of the screen because that's where the light comes from. At the same time, the eyes must converge to the distance of the stereo content, which may be in front of or behind the screen."

A series of experiments were conducted on 24 adults and it was observed that the display hurts your eyes and your brain. "Vergence-accommodation", is the scientific term used by the scientist for this problem, which means that the eye must constantly keep adjusting to both the distance of the physical screen and that of the 3D content, which causes visual discomfort, fatigue, and headache.

Moreover, Bank added, "Discomfort associated with viewing Stereo 3D is a major problem that may limit the use of technology. We hope that our findings will inspire more research in this area"
When 3D gadgetry such as televisions and mobile phones are exploding the markets, an individual should understand how this kind of technology will affect our bodies, this may help us better, to use this kind of technology in the future. The only problem is that technology tends to far outpace research, and until we get a better handle on its effects, we're more or less walking blindly into a 3D world. The technology has outstripped the research and we come up with better ways to handle it, we are recklessly walking into the 3D world.

Is the desktop era over?

With the rising popularity of tablet computers PCs are threatened to lose their demand in near future. The computer makers are trying to make their PCs more like iPads, as iPads are stealing all the sales. Desktops may soon be waning off as the market is exploding with new technology iPads, with killer looks, great feel and features.

According to IHS iSuppli, an industry researcher, around 300 million tablets are expected to ship by 2015, not far behind, 479 PCs expected to be made. It's estimated that around 50 million tablets are to be sold this year and that could double to 100 million next year whereas the PC shipments grew just more than 2 percent in the second quarter worldwide, what research firms IDC and Gartner, had not expected. The popularity of tablet computers was one of the main reasons behind it.

It's not only the iPad tablets that threaten PCs, but they are also competing with phone makers such as Motorola, which will soon launch their own tablets. So PC makers are coming up with tablet-like devices that come with a keyboard, which the iPads lacks. They are also trying to combine the tablet's signature touch-screen with the ability to run heavy-duty Windows programs for photo editing and design.

A number of laptops are coming up with tablet like feel and looks. For example, the Dell Inspiron Duo is a iPad like laptop with a screen that can be flipped around to face outward when the lid is closed and when folded that way, it works like a tablet. Windows laptop of Lenovo Group has a screen that can be detached from the keyboard to function as an Android tablet. Another Windows laptop of Acer Iconia has two touch-sensitive screens and no keyboard, which is similar to a laptop. The virtual keyboard comes out on the lower screen while typing, when not in use Web pages flows from top screen to the bottom one.

PC makers experimented on reviving the designs, but they are not that successful. The earlier generation tablet PCs didn't hold a place in the market, as they were far too expensive and too heavy for comfortable use in tablet mode.

But now the prices are falling all over. And while Google's Android is making mobile devices cheaper and competition tougher, it's expected that compact formats and larger screens at lower prices will keep desktops shining. The PC makers have to wait for a new software that might distract the consumers from the iPads. The laptop- tablet hybrids will not turn out as that important change, as the advent of new system will.

2G transactions known to PM, Chidambaram: Raja

Transactions made in the allocation of 2G spectrum were known to Prime Minister Manmohan Singh and then finance minister P. Chidambaram, former communications minister A. Raja alleged.

"Telenor buying a stake in Unitech wireless and Etisalat buying a stake in DB Realty - the finance minister approved it in the presence of the prime minister. Let the PM deny it," Raja told special Central Bureau of Investigation (CBI) judge O.P. Saini.

Raja, who is an accused in the corruption case and is behind bars, said the foreign direct investment (FDI) made in the scam were under the scanner of finance minister and the prime minister.

The CBI Saturday concluded its arguments on the framing of charges in the 2G phone spectrum case. Fourteen accused and three companies are charged with causing a loss of 30,984 crore to the exchequer by selling the scarce resource, also called radio frequency that helps carry telecom signals, to private players cheap.

25 July 2011

JetKing launches assemble-it-yourself tablet

Jetking Infotrain Ltd, a computer hardware and networking institute announced its entry into the tablet market with the launch of its Google Android Version 2.1-based JetTab entry-level model.

Jetking Infotrain will be positioned as an 'assemble it yourself' kit which has been bundled with a 12-day course, an instruction guide book with diagrams, as well as a compact disc with video tutorials, a top company official said.

"The idea is to make people understand what goes into the making of a tablet, rather than making them mere users. Being a computer hardware institute, we would like to train a large number of people in this technology, as we see tablets replacing laptops," Jetking Infotrain Ltd's Managing Director, Suresh Bharwani, told reporters here.

"We will be giving this kit to our students to assemble a tablet. We also have plans to sell this kit without our 12-day assembling course soon. Jetking's aim is to turn laymen from non-technical backgrounds into engineers," he said.

The company is also in the process of expanding in Vietnam and Thailand and the African continent.

"We are already in the process of tying up with an university in Vietnam. We are also planning to expand in Thailand and African countries like Nigeria. We are also going to introduce this kit to school students from eight standard onwards and college students from September. We intend to sell at least 5,000 kits sourced from China every month, through our 110 training centres all over India. We have invested around Rs 40-lakh in this venture," he said.

Indian telecom sector' revenue at Rs 283,000 Crore in FY'11

The total revenue of the Indian telecom sector grew by 7 per cent to Rs 2,83,207 crore for 2010-11 financial year, estimates telecom journal Voice&Data.

During the previous fiscal the total revenue of the sector stood at Rs 2,64,669 crore.
Revenue from various services in the Indian telecom industry grew to Rs 166,168 crore, up 14.9 per cent, in 2010-11 fiscal as against Rs 1,44,600 crore in the previous financial year.

"The growth was purely driven by growth in subscriber base for various services," Ibrahim Ahmed, Chief Editor of Voice&Data told PTI.

Various telecom services counted in the survey include cellular, fixed line, National Long Distance (NLD), International Long Distance (ILD), broadband and VSAT services.
However, revenues from telecom equipment segment declined by 2.52 per cent to Rs 1,17,039 crore in FY'11 from 1,20,069 crore in FY'10.

"Due to amendment in security norms of telecom licence most of the service providers could not purchase equipment. This effect was visible on the overall revenue of telecom equipments segment," Ahmed said.

Voice&Data estimates that maximum revenue in the service segment of the industry came from cellular services market which grew by 16.6 per cent to Rs 102,230 crore in FY'11 from Rs 87,680 crore in the previous fiscal.

Revenues from fixed line continued to decline both in terms of number of connections and revenues. V&D estimated it to be at Rs 11,602 crore representing a 15.6 per cent year-on-year decline.

Based on the survey, the journal estimated that the country has close to 501 million active subscribers instead of 574 million reported by Telecom Regulatory Authority of India for March.

Revenues from International Long Distance (ILD) segment is estimated to be at Rs 22,607 crore in FY'11, up 10 per cent from Rs 20,530 crore in FY'10.

The journal attributed the growth in ILD segment to Indian telecom operators increasing their presence in foreign markets. "This brought additional ILD revenue for domestic operators. With falling rates there has been a substantial growth of inbound voice traffic into India," it said.

According to the survey revenues from broadband services stood at Rs 6,846 crore recording a growth of 22.4 per cent over FY'10 revenue of Rs 5,591 crore.

"While BSNL's broadband revenue grew by 40 per cent in FY'11, the other state-run telecom operator MTNL' revenue grew just 8 per cent during the same period," the journal said.

Top 30 cities contributed nearly 60 per cent to the total number of broadband subscribers.

Among service providers, Bharti Airtel retained its top position for the second consecutive year, by posting a revenue growth of 42.1 per cent at Rs 59,467 crore in the 2010-11 financial year.

Vodafone Essar occupied the second spot. It registered 16.1 per cent growth in revenue at Rs 27,348 crore in FY'11 as against Rs 23,559 crore in the previous fiscal. This was followed by Reliance Communication, which reported a marginal revenue growth of 4.4 per cent at Rs 23,108 crore for FY'11.

According to the estimates of V&D, state-run telecom company BSNL registered a 10 per cent drop in revenue at Rs 28,877 crore in FY'11 from its previous fiscal's earnings of Rs 32,072 crore.

During the 2010-11 financial year, revenue of other public telecom operator MTNL dropped nearly 22 per cent at Rs 3,951 crore, it said.

"We spoke to most of the payers in the industry. The numbers were directly and indirectly shared by the service providers," Ibrahim said.

Low internet literacy even in urban India:

Union Minister of State for InformationTechnology Sachin Pilot has promised that a "21st century" infrastructure would be set up for high speed broadband access; while a report that he released expresses concerns about "low internet literacy" even in urban areas.

Pilot released the report `Innovation In Telecom' by PriceWaterhouseCoopers (PwC) here yesterday. He did not give any time-frame for ushering in "21st century" infrastructure, nor did he comment on the report.

PwC report says that "even in the urban regions, Internet literacy is quite low, and so is the usage. It will take a generation for data usage to pick up.... Non-voice services, including value added services and SMS form just five to 15 per cent of total operator revenues, which goes to over 50 per cent for operators in major countries. The number for mobile data would be still lower."

Rural teledensity has still not reached the targets and the Universal Service Obligation (USO)) Fund created for the telecom industry has not been utilised adequately, it said.

Most product innovations still originate from the Western economies while Indian companies seem to be content adopting them. One of the reasons is lack of proper research infrastructure, education and investment, the report adds.

"Talent is one drawback we severely face in India. While India produces twice as many engineering graduates as the United States, only less than five per cent have basic vocational skills essential for fruitful employment," it said.

"Only about 25 per cent graduates in India have the skills that deem them fit to work for multinational companies. This is because most institutes in India are built with the idea of meeting the demand for graduate education, focused on enrolling as many students as possible," the report added.

The report also expresses concern about the anxiety among telecom sector investors about clarity in telecom policy.

Indians may have much more than $2.5 Billion in Swiss banks

It's official now -- Indians hold about $2.5 billion (over Rs 11,000 crore) in Swiss banks, but this figure of Switzerland's central bank may be a gross understatement of the total wealth directly and indirectly held there by entities from India. The ever-growing judicial scrutiny and political outcry over alleged stashing of black money in Swiss banks also seems to be forcing Indian entities to move their monies to other safe havens like the Middle East, Singapore and Mauritius.

Some half a billion dollars have been moved out in the last three years, according to the central bank's figures.

In the first-ever disclosure of money held in various Swiss banks by Indians, Swiss National Bank (SNB) has said the quantum of such deposits stood at 1.945 billion Swiss francs (about $2.5 billion) at the end of 2010.

Giving a break-up of this amount, Walter Meier, the spokesperson for the SNB President, said this included about $2.1 billion dollars in the form of savings and deposits by Indian individuals, financial institutions and corporates.

The remaining about $400 million is of fiduciaries largely operating for private individuals from India.

Meier, however, said the bank had no further information when asked about the identity of these funds.

He further said that two of the largest Swiss banks, UBS and Credit Suisse, account for a vast majority of the deposits of entities from India.

Out of the 1.66 billion Swiss francs ($2.1 billion) held by Indian individuals and institutions at the end of 2010, the two banks accounted for 1.02 Swiss francs ($1.5 billion) and the remaining 636 Swiss francs ($775 million) are held in Swiss cantonal banks and private banks, he added.

Experts say that the fiduciaries are essentially wealth fund managers who hold the money of Indian private holders and families in the so-called numbered accounts.

A private banker, on condition of anonymity, said that the actual deposits by Indians could be as high as $15-20 billion, but also rubbished the figure of $1.5 trillion that has been reported from time to time.

"I would argue that both the Swiss central bank's estimate of $2.5 billion as deposits of Indians, as well as the Indian media stories of $1.5 trillion of Indian private deposits, are incorrect and somewhat outrageous," he said.

"From my involvement with banks, I would place the Indian deposits anywhere between $15-20 billion," the banker said.

He also said there was a "perceptible flight of funds" of Indian holders from Swiss banks to banks in Singapore and Dubai, which are now the two main centres for Indian funds from undeclared sources.

As per SNB's figures also, the Indian deposits in Swiss banks have come down by $500 million (about Rs 2,250 crore) in the past three years.

SNB figures show that the total money deposited by Indians, both individuals and companies, in Switzerland-based banks stood at $2.5 billion at the end of 2010, down from about $2.7 billion in 2009 and $3 billion in 2008.

While the bank did not reveal the reasons behind the flight of money from these accounts, officials at regulatory agencies in India fear that Indians might be moving their funds to safer locations like Mauritius, Dubai and other places in the Middle East region.

There have also been talks of Singapore being one such location where money is being moved from Swiss banks.

Sources have said that foreign capital-friendly regulations in places like Mauritius and Dubai were possibly being exploited by those seeking to move their funds away from Swiss banks, which have come under strict scrutiny of late.

Till the latest disclosure, SNB, as well as the Swiss Bankers Association, the apex body of banks in the European country, have been maintaining that they do not disclose country-specific data for funds deposited with them.

Such a level of secrecy around Swiss banks has resulted in various unconfirmed figures, of up to $1.5 trillion, being speculated from time to time with regard to the money stashed away by Indians in those banks.

The issue of black money, including that stashed away in Swiss banks, has been a matter of intense political debate for many years in India, while the courts have also widened their scrutiny in recent months.

Recently, the Supreme Court also constituted a Special Investigation Team to probe the matter and has gone on to criticise the government for not taking all required steps.

At the same time, the global pressure has been rising on Switzerland to ask its banks to share information about their clients with foreign governments.

India is also revising its bilateral treaty with the European nation to help it get more information about the Swiss bank accounts of Indians.

It is being suspected now that Indians having illicit wealth in Swiss banks may be moving their funds in fear of being exposed due to growing scrutiny. At the same time, even those having legitimate funds in Swiss banks may be moving away, due to a growing level of negativity attached to them.

Sources said that a number of Swiss financial institutions have set up arms in locations like Mauritius for their FII (foreign institutional investor), private equity and venture capital investment activities in India and these might be being used for routing of funds.

Top financial regulators Sebi and RBI have already stepped up their vigil over Indian entities routing their funds from secretly held Swiss bank accounts to India through Dubai and other locations.

Giving rise to the suspicion of funds moving to other locations, reports have suggested that banks in the Middle East are seeing a sudden spurt in their deposits.

It is feared that the money might be routed back to India, either into the stock market through FIIs or even via the FDI route.

The sectors suspected to be vulnerable to such funds could be real estate, agriculture and infrastructure, which are among the 'sunrise' segments of the Indian economy and have large-scale fund requirements.

21 July 2011

Broadband: The next IT revolution in India

The next revolution in the IT and communications sector should be in broadband, which will help the government connect with the population and social schemes to percolate down to the intended beneficiaries, Telecom Secretary R Chandrashekhar said.

"After the telecom revolution, which helps India to reach around 850 telecom subscribers, now it's time for a broadband revolution, which not only will help the government to reach to the poorest of the population, but will also create new jobs and will help in percolating the social schemes of the government to the 'last door'," Chandrashekhar said in a broadband function organised by CMAI.

According to telecom regulator TRAI, the present data on the number of broadband subscribers only indicates individual connections, without throwing any light on the actual number of users accessing the broadband services or the usage pattern, as well as the hindrances and barriers to adoption and usage of broadband.

Broadband growth has not only been slow, but is also biased in favour of urban areas. More than 60 per cent of broadband subscribers live in the top ten metros and tier-I cities, while more than 75 per cent of the connections are in the top 30 cities.

Supporting the cause, the Advisor to the Prime Minister on Public Information Infrastructure and Innovation, Sam Pitroda, also said, "The next phase is all about broadband, connectivity, utilisation and innovation on this front."

Further, Pitroda added that broadband services can add 1 or 2 per cent to the growth of the GDP and have the potential to enhance the quality of life though its social applications.

The penetration of the internet and broadband has remained low in the country, mainly due to the limited spread of wireline telephones and non-availability, so far, of broadband technologies.

The number of broadband subscribers at the end of March, 2005, stood at 0.18 million and it increased to 12.12 million at the end of May, 2011, TRAI data reveals.

There is an urgent need for a nationwide broadband network to connect education, healthcare, banking and other services infrastructure to the entire population, thereby realising the objective of inclusive growth.

"This sector not only provides ample opportunity, but also throws up the challenge to implement this in order to reach the people who really want this (broadband services), which can help the government to reach to them," Minister of State (MoS) for IT and Communications Milind Deora, who is in charge of telecom, said.

Even the MoS for IT and Communications Sachin Pilot, who is in charge of IT and the Postal Department, said, "Government is aware of the importance and the reach of the broadband services and we (government) are doing our part in order to bring a broadband policy in place so that it can be used to change the lives of many people."

Cloud computing to create one lakh jobs in India

As the next technology wave, cloud computing by enterprises has the potential to create about 100,000 new jobs in India, a study said.

"Of the projected $4.5-billion total cloud computing market in India by 2015, private cloud will account for $3.5 billion, generate about 100,000 additional jobs and save about 50 percent of cost of IT operations for Indian enterprises," the study "Private Cloud Landscape in India", by Zinnov Management Consulting and global IT firm EMC Corporation, revealed.

In cloud computing, multiple servers are used as a single platform through a digital network (website) under secured environment with access to a range of applications and tools for reducing the cost of IT operations.

Cloud computing is emerging as the next big IT service for its pay-as-you-go model, which eliminates capital intensive investment by companies, especially small and medium enterprises (SMEs) in setting up IT infrastructure.

Spend on using cloud by information technology and back office firms, telecos, BFSI (banking, financial services and insurance), manufacturing and government organisations is set to increase to 8.2 percent over the next five years from 1.4 percent in 2010.

"There will be an increased preference of cloud adoption over the next five years in India. The total cloud market, which was about $400 million in 2010, is expected to growth by a whopping 60 percent annually with private cloud dominating the landscape," Zinnov chief executive Pari Natrajan told reporters here.

Though vendors with partnerships are better positioned to address enterprise needs, the survey noted that many Indian firms would have to invest in competency building to take advantage of cloud computing technologies as they were under-skilled in meeting the growing requirement.

"Cloud computing will reshape the Indian IT market by generating new opportunities for vendors and driving changes in traditional IT offerings," Natarajan pointed out.

Companies and organisations, which have not adopted IT so far or invested in data centres and server farms will have the advantage of directly moving to the low-cost cloud model.

"For cloud computing to deliver its promise, customers need human resources with cloud computing competencies, both as vendors or as internal resources. Though there are vendors such as ours (EMC) offering the solution to customers for making informed decisions, we need to build competencies to leverage cloud computing technologies," EMC India president Manoj Chugh said on the occasion.

The findings are based on a survey of over 100 chief information officers (CIOs) and IT decision-makers in India across industry verticals conducted during January-May 2011.

Apple sells every iPad, profits jump 125 percent

Apple posted record quarterly revenue of $28.57 billion, selling every iPad it could make.

The profit by the world's most valuable tech company also jumped more than 125 percent to $7.31 billion. "We sold every iPad we could make,'' claimed Apple chief financial officer Peter Oppenheimer.

The Cupertino-based technology giant reported more than a two-fold jump in sales of iPhones and iPads over the same period last year.

According to Apple, it sold 20.34 million iPhones in the quarter, representing 142 percent growth over the year-ago quarter.
The quarterly sales of iPads at 9.25 million also showed a 183 percent jump over the same quarter last year.

The Mac was still selling very well, reporting sales of 3.95 million during the quarter - up 14 percent over the same period last year.
At 7.54 million, the sales for iPods were also up 20 percent over the same period last year.

"We're thrilled to deliver our best quarter ever, with revenue up 82 percent and profits up 125 percent,'' said Apple CEO Steve Jobs.

"Right now, we're very focused and excited about bringing iOS 5 and iCloud to our users this fall,'' Jobs added.

Oppenheimer added, "We are extremely pleased with our performance which drove quarterly cash flow from operations of $11.1 billion, an increase of 131 percent year-over-year.

"Looking ahead to the fourth fiscal quarter of 2011, we expect revenue of about $25 billion and we expect diluted earnings per share of about $5.50.''

China, Latin America and the Middle East accounted for much of growth posted by Apple. In fact, Apple sales in China recorded a 250 percent jump since last year.

During the quarter, Apple added 15 more countries to its fast expanding market beyond North America. It also added 42 carriers globally during the quarter. Currently, Apple also runs more than 300 stores worldwide.

Apple stock, already at its 52-week high, jumped about five percent before the results were announced. It closed more than three percent.

19 July 2011

Adobe acquires electronic signature software maker EchoSign

Software company Adobe today announced the acquisition of web-based electronic signatures solution provider EchoSign.

Adobe sees EchoSign's electronic signature solution as a key component of Adobe's document exchange services platform for reliably exchanging documents for universal access, review and approval.

"By adding electronic signature capabilities to Adobe's document exchange services platform, we will be addressing the need to provide better customer experiences by significantly reducing the time, cost and complexity associated with having a document signed," said Kevin M Lynch, vice president and general manager of Acrobat Solutions, Adobe in a statement.

EchoSign's solution will now be offered as part of Adobe's online document exchange services platform.

"By reducing the time and costs of having documents signed with traditional methods, the EchoSign solution can enable customers to significantly accelerate sales cycles, improve tracking and centralise the management of signed agreements," the statement said.

Adobe mentioned that the founders of EchoSign and all full-time employees will join Adobe, bringing with them a wealth of knowledge and experience in electronic signature solutions.

Coming soon: 'Super batteries'

Imagine charging your iPhone or mobile in a few seconds. Well, your imagination may someday turn into a reality, say scientists who claim to be working on "super batteries . which not only recharge in just seconds, but also have an almost indefinite lifespan.

A team, led by Dan Li of Monash University , says that a combination of two ordinary materials -- graphite and water -- could help produce such "super batteries" which perform on par with lithium ion batteries.

The scientists are, in fact, working with a material called graphene which may form the basis of the next generation of ultrafast energy storage systems, the 'Advanced Materials' journal reported.

"Once we can properly manipulate this material, your iPhone, for example, could charge in a few seconds, or possibly faster," said Li.

Graphene is the result of breaking down graphite, a cheap, readily available material commonly used in pencils, into layers one atom thick. It is strong, chemically stable, an excellent conductor of electricity and, importantly, has an extremely high surface area.

Li said these qualities make graphene highly suitable for energy storage applications.

"The reason graphene isn't being used everywhere is that these very thin sheets, when stacked into a usable macrostructure, immediately bond together, reforming graphite. When graphene restacks, most of surface area is lost and it doesn't behave like graphene anymore," he said.

The team has discovered the key to maintaining the remarkable properties of separate graphene sheets -- water. Keeping graphene moist -- in gel form -- provides repulsive forces between the sheets and prevents re-stacking, making it ready for real-world application, say the scientists.

"The technique is very simple and can easily be scaled up. When we discovered it, we thought it was unbelievable. We're taking two basic, inexpensive materials -- water and graphite -- and making this new nanomaterial with amazing properties," said Li.

When used in energy devices, graphene gel significantly outperforms current carbon-based technology , both in terms of the amount of charge stored and how fast the charges can be delivered.

Li said the benefits of developing this nanotechnology extended beyond consumer electronics.

"High-speed, reliable and cost-effective energy storage systems are critical for the future viability of electricity from renewable resources. These systems are also the key to largescale adoption of electrical vehicles.

"Graphene gel is also showing promise for use in water purification membranes, biomedical devices and sensors," he said.

Facebook bans Google+ ad

Alarmed by the great success of Google +, social networking giant Facebook has reportedly removed a Google+ ad and banned the creator from putting ads on the site. The ad that was created by a Facebook user invited people to connect with its creator on Google+; however, Facebook decided to ban ads on its site that promote its rival Google+.

Internet geek and a web developer Michael Lee Johnson placed an ad on Facebook circulating for Google+; however, his idea did not work out as he expected as Facebook banned his ad account. The simple-looking ad had the headline which said, "Add Micheal to Google+." The text of the ad read, "If you're lucky enough to have a Google+ account, add Michael Lee Johnson, Internet Geek, App Developer, Technological Virtuoso."

However, upon banning his ad, he received a message back from Facebook saying, "Your account has been disabled. All of your adverts have been stopped and should not be run again on the site under any circumstances. Generally, we disable an account if too many of its adverts violate our Terms of Use or Advertising guidelines. Unfortunately we cannot provide you with the specific violations that have been deemed abusive. Please review our Terms of Use and Advertising guidelines if you have any further questions."

The Facebook guidelines on advertising clearly state that they may refuse ads at any time for any reason, including our determination that they promote competing products or services or negatively affect our business or relationship with our users.

18 July 2011

U.S. to unveil strategy to counter cyber attacks and protect computer systems

Facing escalating risks of cyber attacks, the US is set to unveil a strategy for protecting its computer systems that goes beyond erecting firewalls.

The new cyber strategy from the Pentagon comes in the wake of the increasing attacks on its computers and cyber networks, mainly from overseas. The country spends millions of dollars every year for its security.

The Department of Defense (DoD) operates over 15,000 networks and seven million computing devices across hundreds of installations in dozens of countries across the globe.

The five strategic initiatives announced by the Pentagon today include -- treat cyberspace as an operational domain to organize, train and equip so that DoD can take full advantage of cyberspace's potential; employ new defense operations concept to protect DoD network and systems; and partner with other US government departments, agencies and the private sector to enable a whole-of-government security strategy.

It also calls for building robust relationship with US allies and international partners to strengthen collective cyber security and leveraging the nation's ingenuity through an exceptional cyber workforce and rapid technological innovation.

"The Department's five strategic initiatives offer a road map for DoD to operate effectively in cyberspace, defend national interest and achieve national security objectives," said the 13-page unclassified version of the strategy released today.

Intel chips to power servers for cloud computing

World's largest chip maker Intel Corporation has developed microprocessors to power modular and scalable servers for cloud computing - that enables use of multiple servers as a single platform - by data centres and infrastructure management service providers, a senior official said Friday.

"As part of our second generation multi-core Xeon processors, we have designed and developed chips that can be used for servers by cloud computing providers and builders to offer high performance and energy efficient solutions to end-customers with security, scalable storage capacity," Intel marketing programme manager Nick Knupffer told reporters here.

As the next wave of technology revolution, cloud computing enables use of multiple servers as a single platform through a digital network (website) under secured environment with access to a range of applications and tools for reducing the cost of IT operations.

"Our Xeon processor-based servers can be deployed by data centres and enterprises offering infrastructure management services to end-customers across verticals, especially small and medium businesses (SMBs) which cannot afford to invest in capital intensive IT infrastructure and hire personnel to run it," Intel South Asia director R. Ravichandran said.

According to global market research and analysis firm IDC (International Data Corporation), an estimated 2.5 billion people with over 15 billion devices will access the internet by 2015. The same year, the internet traffic is expected to reach a zettabyte or one million, million billion bytes.

"Under our multi-year vision for cloud computing (Cloud 2015), cloud data centres will be seamlessly and securely connected and fully automated. The centres will also provide secure access and optimal experience across a range of devices from smartphones to powerful notebooks," Knupffer pointed out.

With about 70 percent of chief information officers (CIOs) concerned about cloud security, Intel is working on providing trusted execution technology (TXT) to enhance security at the processor level by ensuring a server is not tampered with at the hypervisor level.

The $44-billion Intel acquired global security solutions provider McAfee in August 2010 for $7.7 billion to enhance security of its processors by embedding the features in the chips.

Tips to Retire rich?

hat's too far. It's not the time to plan for my retirement." Because most of us believe in living life to the present.

But it is important that an individual has some kind of a retirement planning. For some it may be to have their own dream house, endless vacations and many more. This all can come true with proper retirement planning. Following are the tips on how you can retire rich

Chose the right product: Before selecting the right product it is always important to keep in consideration the cost, including charges for premium allocation, fund management, surrender, mortality, and fund switching. You could also be charged for a charged partial withdrawal, policy administration and revival.

For example in India basically there are two types of plans.

Pension plans: They provide low risk. Open pension funds support at least one pension plan with no restriction on membership while closed pension funds support only pension plans that are limited to certain employees.

The advantages of investing in this pension plan are:

If you invest up to Rs. 1 lakh in these plans, you are eligible for a deduction from your taxable income. Therefore the taxable income drops by Rs. 1 lakh making you pay lesser tax.

On retirement you could even withdraw some amount of from the fund as tax free and the rest goes into annuity plan. You could opt for monthly or quarterly income.

Unit linked plans: This involves a greater risk, depending on what you have chosen between equity, debt and cash. You could also switch funds across schemes based on your needs. But you can switch a capital gain tax and a transaction fee. You don't have to pay for entry loads.

Therefore select a plan that gives maximum maturity value.

Invest at an early age: Consider an example, Jyoti is 28 years old and plans to retire at the age 60. So therefore Jyoti has a total of 32 years for her retirement. Jyoti invests Rs. 1500 per month for the next 30 years at rate of 15 percent, she will receive a corpus of Rs. 1.03 Crore. Whereas If Jyoti would start investing at the age of 50, she would receive a Corpus of Rs. 1 Crore that will require a investment of Rs. 41,500 per month.

Hence it is always benefiting if you plan on investing at an early age because you have the time with you, you can gain advantage of high returns and maximize your investments by investing in stocks or Mutual Funds.

Invest in real estate: This investment is very profitable and you can grab a income from renting. Apart from the stocks and Mutual funds one can think of investing in real estate.

Have a retirement planning guide: You can approach a retirement guide who could advise you on sound investment portals based on your financial conditions.

Make more money: Why not earn more money rather than cutting down your expenses and compromising with your life? Have a second source of income that could help fund your retirement.

Rumours of 'BlackBerry Cyclone' to take on Apple TV

BlackBerry company Research In Motion (RIM) is rumoured to be toying with the idea of entering the home entertainment business.

If it is true, this will be the second major departure for the Waterloo-based RIM from its core business of smart phones where it ruled the market till last year. Last April, RIM unveiled its PlayBook tablet - the first non-BlackBerry product - to challenge Apple's iPad.

Now it is rumoured to be working on a media box to match Apple TV.

"We have confirmed with one of our source's RIM is working on just that a media hub. The media hub's code-name is 'BlackBerry Cyclone','' Nerdberry web site has reported.

According to the report, the 'BlackBerry Cyclone' will be Wi-Fi-enabled and connect to your home TV via HDMI. It will also have Netflix, YouTube and access to media devices on the WiFi network.

"We are hearing the release of the 'BlackBerry Cyclone' will be later this fall. We are waiting for more info to come in at this time. This is going to be a great product for streaming media,'' the web site has said.

Apple has not only beaten the BlackBerry company in the smart phone market but also become the undisputed leader in mobile computing with its iPad.

RIM's efforts to take on the iPhone with its BlackBerry Storm and the iPad with its PlayBook tablet have failed to make any dent on Apple's supremacy in the mobile computing market.

It remains to be seen how much of a challenge the rumoured 'BlackBerry Cyclone' will pose to Apple TV.

At its annual shareholder meeting this week, RIM also announced to unveil seven new models of BlackBerry in the coming months to replace its aging handset line-up.

Bu the announcement failed to revive RIM stock which - at $27 - has fallen more than 50 percent this year, reducing its market worth to just $14 billion.

Internet search engines cause poor memory, says report

Give a second thought the next time you go to Google to get some information, for a new study says that Internet search engines are making people lose their memory.

Researchers at Columbia University have found that increasing number of users relied on their computers as a form of "external memory" as frequent use of online information libraries "wired" human brains.

The study, examining the so-called "Google effect", found people had poor recall of knowledge if they knew where answers to questions were easily found, 'The Daily Telegraph' newspaper reported.

The researchers found that people were increasingly bypassing discussions with friends to use the Internet as their main source of information.

Prof Betsy Sparrow, who led the study, said such web tools were making information easy to forget and that if people could not find answers immediately it could feel like "going through withdrawal".

"We are becoming symbiotic with our computer tools, growing into interconnected systems," said Prof Sparrow, from Columbia's psychology department.

"We have become dependent on them to the same degree we are on all the knowledge we gain from our friends and coworkers - and lose if they are out of touch. Human memory is adapting to new communications technology.

"We're not thoughtless empty-headed people who don't have memories anymore. But we are becoming particularly adept at remembering where to go find things. And that's kind of amazing," she added.

In the study, the researchers undertook four experiments involving student volunteers. They firstly asked 46 students from the Harvard, the Ivy League university, a series of true-false questions based on trivia such as, "An ostrich's eye is bigger than its brain" before showing them words in different colours.

When the words could be linked to Internet, students responded more slowly and admitted they were contemplating
searching for the answers on the web. Another 60 students were then given 40 statements to type on a computer before being told that the information would either be saved or erased.

They discovered that people who believed the data would be saved were less likely to remember.

Another experiment involved 28 undergraduates from Columbia who were asked trivia questions. They were allowed to
take notes and the researchers found they too struggled to remember information that would be saved.Finally, a further 34 Columbia students remembered where they stored their information in folders on their computers better than they were able to recall the information itself.

Prof Sparrow admitted it remained unclear what the effects of being so "wired" will be on people over the coming years. She said the Internet had replaced a person's circle of friends where people would traditionally look for information.

"(They) did not make the effort to remember when they thought they could later look up the trivia statement they had
read. It may be no more than nostalgia at this point, however, to wish we were less dependent on our gadgets.

"(It shows) we must remain plugged in to know what Google knows," she added.

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Every day, your 2% earnings are added to your account. You can log in and see your daily earnings:

With JSS-Tripler “something happens” every day , and you can see it by logging into your account.

With many programs, there are many days when “nothing happens” because you “wait” to cycle, for others to provide you with spillover, etc. “Nothing happening” can be frustrating for most people.

JSS-Tripler has no sponsoring requirements. You don’t have to do any work to earn. This tends to be very satisfying!

This makes it much easier to sponsor people, because you can tell them they don’t have to sponsor anyone, or do any work, to make money. Sponsoring people is satisfying.

Sponsoring people is particularly satisfying if they have little or nothing to complain about. They can see their 2% earnings added to their accounts every day, which is very satisfying!

When you sponsor people, you earn 10% on your fist level and 5% on your second. This can add up to lots of money — satisfying!

When your referrals, and their referrals, buy positions, your referral earnings are instantly added to your account. This is satisfying.

JSS-Tripler allows daily compounding. At any time you can use your earnings to buy more positions. You give yourself an automatic pay raise — satisfying!

JSS-Tripler also allows daily withdrawals. Generally, you can get your earnings out within 24 hours. This is very satisfying!

The advent of JSS-Tripler can be regarded as a historic event that heralds the beginning of a new era: The first “2%-per-day” type program that’s indefinitely sustainable.

In the past, all similar programs have failed, and when they ended, members typically lost all the money they had left in them. Not very satisfying!

All other similar programs now running are also almost certain to fail, and when they end, members will typically lose all the money they have left in them. Also not very satisfying!

Find out why JSS-Tripler is different and you can rely on it to generate superior earnings for you for many years to come:

Making money with a program that comes as close to failproof as possible is most satisfying.

Join JSS-Tripler

JSS-Tripler Hybrid Strategy!

JSS-Tripler is doing great.

HOW The Best Strategy Makes JSS-Tripler Indefinitely Sustainable = 2% per Day!

HOW The Best Strategy is the 2:5 JSS-Tripler Hybrid Strategy!

JSS-Tripler Basics:

JSS-Tripler pays 2% per day!

JSS-Tripler positions mature at 150% (Day 75)

Each Four JSS-Tripler positions that mature gets you a $15 JSS position that pays out $60 when it cycles… plus 2 free “placements” per JSS position!


4 JSS-Tripler positions cost $40.. after 75 days mature at $60 (150%).. this generates..

1 JSS Position that pays $60 (150%) when cycled.. this is how your money is tripled.

It is important to understand the background of the admin and their reliability in paying their members.. I have no doubts about the admin of JSS-Tripler Frederick Mann paying out all cashout requests. In 2010 Frederick Mann’s “Just Been Paid” was a Success Story for many.. now Frederick has launched JSS-Tripler on Feb 17th!

I have watched its launch, evaluated what is happening and now I have added a sizable amount to start my JSS-Tripler journey!

So What’s The 2:5 JSS-Tripler Hybrid Strategy?

If you just cashed out the 2% per day then it would take 50 days to recover your initial investment.. then after 75 days your JSS-Tripler positions would mature.

Part of the Sustainability of JSS-Tripler is that each position matures at 150%..

The Best JSS-Tripler Strategy is based on the idea of 2 : 5 Ratio !

So every 7 days you do this..

2 Days you Reinvest..

5 Days you Cash Out.. or save them up and Cashout once per week

Example.. You added $1,000 into JSS-Tripler!

Daily return of 2% = $20 per Day

STRATEGY Part 1: first 70 days!

Daily Steps To Take:

Week 1:
Day 1: $20 – Reinvest (Buy 2 New Positions)!
Day 2: $20 – Reinvest (Buy 2 New Positions)!
Day 3: $20.80 – Save to Cashout!
Day 4: $20.80 – Save to Cashout!
Day 5: $20.80 – Save to Cashout!
Day 6: $20.80 – Save to Cashout!
Day 7: $20.80 – Save to Cashout!

Hybrid Strategy:

Every-Week when you have MORE than $100 Buy More JSS-Tripler Positions!!

Then Cashout ONLY $100 per Week!

Week 2:
Day 1: $20 – Reinvest (Buy 2 New Positions)!
Day 2: $20 – Reinvest (Buy 2 New Positions)!
Day 3: $21.60 – Save to Cashout!
Day 4: $21.60 – Save to Cashout!
Day 5: $21.60 – Save to Cashout!
Day 6: $21.60 – Save to Cashout!
Day 7: $21.60 – Save to Cashout!

Hybrid Strategy: Buy 1 More JSS-Tripler Position!
Week 3: CASHOUT $115

Hybrid Strategy: Buy 1 More JSS-Tripler Position!
Week 4: CASHOUT $120

Hybrid Strategy: Buy 2 More JSS-Tripler Positions!
Week 5: CASHOUT $125

Hybrid Strategy: Buy 2 More JSS-Tripler Positions!
Week 6: CASHOUT $130

Hybrid Strategy: Buy 3 More JSS-Tripler Positions!
Week 7: CASHOUT $135

Hybrid Strategy: Buy 3 More JSS-Tripler Positions!
Week 8: CASHOUT $140

Hybrid Strategy: Buy 4 More JSS-Tripler Positions!
Week 9: CASHOUT $145

Hybrid Strategy: Buy 4 More JSS-Tripler Positions!
Week 10: CASHOUT $150

Hybrid Strategy: Buy 5 More JSS-Tripler Positions!

Repeat the above steps each week!

JSS-Tripler Hybrid Strategy will take you 10 weeks to recover your initial investment!

After 10 weeks you will be Zero-Risk (all your investment money out)

After 10 weeks you will have 65% more JSS-Tripler Positions!

You started with $1,000.. you have now Cashed Out that $1,000
You now have $1,650 in Positions x 2% per day = $33 per Daily Income!

STRATEGY Part 2: after 70 days!

You are now 100% in Profit..

Every Week.. Buy 6 New Positions from Earnings and Cashout The Rest!

Once you reach Day 75 your JSS-Tripler positions start to mature (75 x 2% = 150%)

Your 165 positions ($1650) will become 65 positions ($650) after Day 75

Win..Win..Win.. you are supporting the JSS-Tripler Program while Cashing Out Weekly!

It is pretty obvious that the “2 : 5 repurchase to cash out ratio” strategy is better than the “withdraw all earnings” strategy. Follow the “2 : 5 repurchase to cash out ratio” strategy to get the best income for you as well as ensure that JSS-Tripler will last forever.

You had been shown why and how JSS-Tripler is sustainable.

You had been given a schedule of your earnings in JSS-Tripler.

You know how much it will cost you to start.

There is no need to have a referral in order to earn.

There is no need to surf to be able to earn cash (yet).

There is no monthly dues.

Members are being paid their cash out request on schedule.

Join Now and get your starting position.

Don’t be in a situation where you blame yourself in months from now for not letting go of that US$10.00 to buy a position in JSS-Tripler today.

Join JSS-Tripler