Saturday, June 21, 2008
successful सों, jokes
Why Bill Gates decides to Sell OFF Microsoft? joke
Why Bill Gates decides to Sell OFF Microsoft?
Friday, June 20, 2008
India’s Retail Revolution
The Smartest Unknown Indian Entrepreneur
Thursday, June 19, 2008
Power of compounding
Power of compounding
power of compounding and starting investment early can be well expresed by the following story...
Jack and Jill were twins, and both got their first job at the age of 20. Both wished plenty from their life and started splurging on expensive luxuries. Jack deferred his decision for an investment account for the time being. Jill, however, acted on her father’s advice and started saving a token amount of Rs 1,000 per month (cumulative amount Rs 12,000 per year) in a diversified mutual fund. The next 10 years were fun for both, as they were living life to the fullest. Jack never started his investment account and Jill never cared to increase her investments from the meager Rs 12,000 per annum.
Accumulation phase
Ten years later, it was time to take stock. Jack, obviously, had nothing to show. Jill’s investment, on the other hand, had returned at the rate of 15% pa and her total investment of Rs 1,20,000 (Rs 12000 x 10 years) has grown to Rs 2,43,645.
Jill was not impressed with the amount at all. She decided to discontinue her investment plan. She, however, decided to leave her accumulated investment alone in the same fund.
Jack, on the other hand, decided it was time to start investing. He opened an account with the same diversified mutual fund Jill was investing in and started contributing Rs 12,000 pa.
After 30 years, it was time for both Jack and Jill to retire.
Jill had never touched her corpus, but she hadn’t bothered to put in fresh money either. This meant her invested corpus still stood at Rs 1,20,000. Jack, on his part, had invested Rs 3,60,000 (Rs 12,000 x 30) over three decades.
Both had got an annual return of 15% on their investments.
Interestingly, at the end of 30 years, Jack had accumulated Rs 52.16 lakh, while Jill, who had saved for only 10 years, had Rs 1.06 crore. Retirement phase
The accumulation phase was over now and both were in the retirement phase.
Both wished to play safe and shifted their corpuses to investment accounts that were less risky, but offered an assured return of 9% pa.
Both assumed they would live till 100. They would withdraw a level amount at the beginning of every year for the next 40 years to meet their expenses such that, assuming both survived till 100, nothing would be left for their successors.
Calculations threw up even more shocking figures. Though Jill started with 100% more retirement corpus compared with Jack, she could actually withdraw a sum of Rs 13.75 lakh pa, which was 300% more than what Jack could (Rs 4.44 lakh pa).
Summing up from the age of 60 till 100, Jill would have withdrawn Rs 5.50 crore (13.75 lakh x 40 years), while Jack would have taken only Rs 1.77 crore (4.44 lakh x 40 years).
Analysis:
Early investments pay you more.
Even it is a small amount start saving as earlier as possible.
10 Tips for Better Health!!
10 Tips for Better Health!!
Friday, April 4, 2008
Mobiles can be cancerous than smoking!!
Wednesday, February 27, 2008
Reducing Weight Naturally
Improving your Spoken English!!
Improving your Spoken English!!
If you have spoken English all your life,there is still the possibility that you may not be speaking with the right accent. That is because the mother tongue has a strong mastery over any learnt language. And trouble can arise understanding what you say - especially on the phone. Here are some things that could pep up your talk. 1. Speak slowly! This action alone will eliminate many miscommunications. 2. Watch out when you say words that begin with a 'w' or a sound the letter 'w' makes,such as, the word 'one'. If you pucker your lips like a fish, and your lips don't touch any of your teeth, the correct 'w' sound will come out. Practice the basic words you say on a continual basis - what, where, when, why, which, etc. 3. When you say words that being with 'v' make sure that you are making the right sound by putting your upper teeth on your lower lip and then saying the words -vintage, village, voice, VC, Silicon Valley, and so on. 4. Don't speak through your teeth -open your mouth so that sounds can come out clearly. 5. Put your tongue between your teeth when you say a word with a 'th' in it - the sound 'd' for 'th' doesn't sound educated. For example, say 'then' instead of 'den' or 'though' instead of 'dough'. 6.The long vowels in English take longer to say than the short ones -i.e., there is a distinct difference between 'bet' and 'beat'. Therefore, if you hold that word with the long vowel for just another moment when you say it, 'take' not 'tek' - people can figure out to which word you are referring. 7.Don't swallow words that don't carry the main meaning in a sentence. For example, all words should be enunciated clearly in "this is a great opportunity, " including the (main) word 'opportunity', which has five syllables. 8.Take care with the short 'o'sound, so it is a 'caller' not a 'colour'. 9.Learn which parts of a word take the stress and which ones don't -profile, percentage, permanent, additional, etc. Usually, if the word is a noun, the beginning letters will be stressed. If it is a verb, the stress is on the end syllable. Examples: the record - to record, the project - to project. 10. Avoid using the words 'basically' and 'so' all the time. These are nice fillers and give you time to think, but it's just as bad as if you were starting every sentence with 'eh' or 'um'.Email Etiquette for official mails
Email Etiquette for official mails
The below mentioned points have to be considered while putting official mails. Here are some points on Email Etiquettes that will definitely help. 1) The font of mail should be Verdana and font size should be 9.5 or 10. 2) The mail should have a Pyramid Structure i.e. it should contain: * Situation: What's the current situation is * Action items: What you expect from the reader of the mail to-do * Information: The information you want to give to the reader * Conclusion: Conclude with a Thank You. 3) For writing use only Black or Blue color. For highlighting purpose make the word bold. Avoid using Red color as Red signifies danger, so use it when urgent. 4) For greetings in mail: * For Americans: use Hi * For Europeans: use Hello * For Asians: use Dear To be more formal we could use Dear Mr. /Ms. followed by Last name or Full name. We should not use Dear Mr. /Ms. followed by First name alone. 5) We should not put '/' in greetings like Hi X/Y. Instead we should say Hi X and Y. 6) We should not use 'Thanks and Regards'. Instead we should say: Thank you RegardsE-mail Etiquette
E-mail Etiquette-II
- Get an active program that is always "ON". This will catch any viruses as they are being downloaded so they can immediately be quarantined and cannot infect your system.
- Update your virus patterns daily or every time you log on. These updates can be downloaded from the Web site of your virus software manufacturer. Most software has a scheduler to tell your computer to do this automatically - how convenient! You need to ensure your system is protected from the latest viruses which may have just been discovered since last you were online. New viruses are identified daily!
- Never click on any attachment or an .exe (example: Happy99.exe, free stuff, click here or ILOVEYOU) file attached within an email without making sure the attachment has been checked for viruses. Even if the email appears to come from someone you know very well! The attachment may be virus generated and plucked your friend's email address off another infected computer belonging to someone they communicated with. Or your friend may unknowingly be infected and not aware of the virus on their system which has just spawned an email that has their name on it and is addressed to you. The email may look like it is from your friend just to get you to open it when in fact it is an email generated by a virus.
Interactions with American Clients!!-Useful Tips
Interactions with American Clients!!-Useful Tips
5 proven ways to close a deal in English!!
5 proven ways to close a deal in English!!
10 Keys to Financial Success!!
10 Keys to Financial Success!!
Warren Buffet's Secrets of Sucess
Warren Buffet's Secrets of Sucess
'Look at market fluctuations as your friend rather than your enemy; profit from folly rather than participate in it.'
• 'The investor of today does not profit from yesterday's growth.'
• 'Of the billionaires I have known, money just brings out the basic traits in them. If they were jerks before they had money, they are simply jerks with a billion dollars.'
• 'I never attempt to make money on the stock market. I buy on the assumption that they could close the market the next day and not reopen it for five years.'
• 'I don't look to jump over 7-foot bars: I look around for 1-foot bars that I can step over.'
• 'I always knew I was going to be rich. I don't think I ever doubted it for a minute.'
• 'We enjoy the process far more than the proceeds.'
• 'You do things when the opportunities come along. I've had periods in my life when I've had a bundle of ideas come along, and I've had long dry spells. If I get an idea next week, I'll do something. If not, I won't do a damn thing.'
• 'I buy expensive suits. They just look cheap on me.'
• 'Let blockheads read what blockheads wrote.'
• 'I do not like debt and do not like to invest in companies that have too much debt, particularly long-term debt. With long-term debt, increases in interest rates can drastically affect company profits and make future cash flows less predictable.'
• 'My grandfather would sell me Wrigley's chewing gum and I would go door to door around my neighbourhood selling it. He also sold me a Coca-Cola for a quarter and I would sell it for a nickel each in the neighbourhood, so I made a small profit. I was always trying to do something like this.'
• 'A public-opinion poll is no substitute for thought.'
Tuesday, June 10, 2008
Beginner’s Guide to Running
Beginner’s Guide to Running
Every Friday is Health Tip Day at Zen Habits.
Are you just starting out as a runner, or is it something you’d like to do? From experience, I know that a beginner runner has a million questions and never enough answers. I won’t be able to answer every question here, but this should be a good starting point for anyone who wants to hit the roads.
Disclaimer: I am not a certified trainer, coach or running expert. I consider myself an intermediate runner (on the lower levels of intermediate), having spent all last year running, doing a marathon, some half marathons, 20Ks, 10Ks and 5Ks. But what I have to share is what I’ve learned along the way. Also, see a doctor before starting a new running program — I don’t want to be responsible for any heart attacks!
Most Important Advice Many people, when the begin running, shoot for the stars. I was one of those. Let me tell you right now: hold yourself back, and start out slowly. Progress gradually. It takes some patience, but this is the best advice I can give you, and I know that it’s important because of experience.
It’s best to start out very easy, at a slow jog, and focus not on intensity but on how long you’re on the road. Start out with a small amount of time — 10 minutes or 20 minutes, depending on where you are — and run or walk/run comfortably the entire time. Do this for the entire first week, and even two weeks if you can stand it. Gradually increase your time until you can run 30 minutes.
From there, you can stay at 30 minutes or increase the amount of time you run gradually, every two weeks. But do not overdo it in the beginning!
Walk and Run Plan If you are a true beginner, and cannot run for 10 minutes, you should start out with a walk/run plan. Here’s a good one to start with (do each one three times a week):
- Week 1: Walk for 10 minutes. Jog slowly for 1 minute, and then walk for 1 minute. Repeat these 1/1 intervals for 10 minutes, or until you become uncomfortable. Walk for 5 minutes to cool down.
- Week 2: Walk for 10 minutes. Jog slowly for 2 minutes, and then walk for 2 minutes. Repeat these 2/2 intervals for 10 minutes, or until you become uncomfortable. Walk for 5 minutes to cool down.
- Week 3: Walk for 10 minutes. Jog slowly for 3 minutes, and then walk for 2 minutes. Repeat these 3/2 intervals for 15 minutes, or until you become uncomfortable. Walk for 5 minutes to cool down.
- Week 4: Walk for 10 minutes. Jog slowly for 5 minutes, and then walk for 2 minutes. Repeat these 5/2 intervals for 20 minutes, or until you become uncomfortable. Walk for 5 minutes to cool down.
You get the picture. The idea is to gradually increase your running time until you can do 10 minutes straight. Then increase the 10 minutes to 12, and so on, each week, until you can eventually run for 30 minutes. Now you’re a runner! Online forums In the beginning, you’ll have a lot of questions and want to share your progress with others. An online forum is perfect for that. Join a forum or two, read as much as you can, introduce yourself, post your questions, post your weekly progress, and gain from the experience of others.
A few good forums to start with:
Make it a habit If you struggle with making running a regular habit, try doing it every single day at the same time. Habits are easiest to form if you do them consistently. This may sound contradictory to some of the advice above about starting slowly, but the key is to go very easy in the beginning — nothing that will stress your body out or make you sore the next day. Also, instead of running every day, you could swim or bike or do strength training, so that your running muscles are given a rest while you continue to form your exercise habit. See How to Make Exercise a Daily Habit for more.
Most important advice: just lace up your shoes, and get out the door. After that, it’s cake.
The importance of rest Some runners try to go hard every single day. They are ignoring the truth about muscles — your muscles grow by giving them stress, and allowing them to rest after the stress so that they can grow. If you run hard every day, you will just continually break your muscles down, and improvement will be slow and difficult — and it could lead to burnout or injury.
It’s best to rest the day after a tough run, to allow your body to recover. Does this mean you should rest completely, with no running or exercise at all? Not necessarily. The important thing is that you don’t run hard two days in a row. But you can do a very easy, short run (or other type of easy exercise) in between harder runs and still allow your muscles to recover.
First 5K One of the most motivating things in running is an upcoming race. I suggest you sign up for a 5K after a month or two of running, even if you don’t think you’re ready. Why? It will motivate you to keep running, so that you’re prepared to do the 5K.
Now, some people have a nervousness about signing up for a running race, because the other runners are so much better than them. Relax. There are plenty of very good runners in every race, but there are also many beginners. Don’t worry about the other runners. There’s usually so many people at a 5K that you won’t be noticed. And don’t be afraid to walk or run/walk. Many, many other people do. Just run your own race, and most importantly, have fun! It’s a blast.
On manners: do not start out a race in the front, unless you think you can win it. Slower runners should start in the back, or they get in everyone’s way. Also, stay to the right, so people can pass you. Try to be courteous, and not push or cut someone off. Watch out when you spit — you might hit someone behind you. Same thing with snotrockets. And when you beat that little 11-year-old girl at the finish line, it’s best not to point at her and yell “Loser!” repeatedly. Trust me. I speak from experience.
Once you do your first 5K, you’ll be hooked. That’s a warning.
Equipment So what do you need to run? Well, running shorts, shirt and shoes, basically. Women will need a sports bra (get a good one, trust me). Should you go out and buy the best running clothes and shoes possible, even before your first run? No, it’s not really necessary. You can get started running with any pair of comfortable sneakers and any shorts and T-shirt.
But once you really get into it, you’ll want to buy some real running clothes — breathable fibers, with some comfortable underwear built in (not cotton!) so you don’t chafe. A running shirt is also good. If you live in cold weather, you’ll need some breathable clothes to put over your shorts and shirt. I live in the tropics, so I can’t advise you here.
Most important: good running shoes. This is the most important running equipment, because it can not only make running more comfortable, but also prevent injury. My advice is to go to an actual running store, where there will be knowledgeable people who can watch you run and tell you what kind of shoe you need (overpronator, supinator, neutral, etc.). If they don’t watch you run, they don’t know what they’re doing. Get out and find a better store. Or do your own research online and learn all about it.
Other things that you might consider, but that aren’t completely necessary:
- Reflectors and flashing lights if you run when it’s still dark.
- Body glide, or Vaseline, applied in the crotch, underarms, and anywhere you might chafe — really only important for longer runs.
- Heart Rate Monitor: Best ones are by Polar. You can get fancy ones, with GPS built in, or just a simple one that tells you your heart rate. This is useful if you do HR training, which is a way of optimizing your training. Probably not necessary for beginners.
- Mp3 player: Also not necessary, but pretty cool and can add some inspiration to your running. However, if you run on the road, headphones can be dangerous, as you might not hear traffic coming your way.
- Fuel belt or Camelback: A way to keep yourself hydrated while you run. Not necessary for short runs. Also, for longer runs (60 mins or more), I just place water bottles along my route.
Mechanics I can’t advise you here, as I’m not a trainer. But most of the time, you don’t have to worry about this. Just try not to fall down. One thing to watch out for is how tense your upper body is — try to relax your shoulders, relax your hands, relax everything but the muscles needed to propel your body forward. The reason is that you may be using extra energy (and tire yourself out faster) if you’re running with your fists clenched, for example.
Later, after you get past the beginning stage, you can worry about stride length or turnover rate. But for now, just worry about getting out there.
Pain I also can’t advise you on injuries. Unless you have sharp pains, or pain in the joints, you should be able to run through minor aches. But if you have anything sharp, or your joints feel injured, stop running. You could make it worse.
The runner’s best friend is ice, and rest. In fact, it’s good to ice your muscles and joints down after every run, if you can. It helps with the healing process. Aspirin or Ibuprofen are also good tools, also to help stop inflammation.
Going beyond beginner Once you’ve gotten a few 5Ks under your belt, and have been running for a few months, you’ll want to start a real training plan and progress to the next level. Training plans are available online for free (see some of the sites below). I’ll try to do a guide for intermediate runners next.
14 Stress-Free Ways to Kick Weight Loss in the Butt
Habit is habit and not to be flung out of the window by any man, but coaxed downstairs a step at a time. - Mark Twain
Let’s be honest: Losing weight isn’t the easiest thing in the world. All our best intentions end up doing nothing.
And I’ve tried just about every diet plan out there, from the various low-carb diets to Weight Watchers (which isn’t bad, actually) to the Abs Diet to Slim Fast to low-calorie to low-fat and more. I’ve tried a bunch of exercise programs too, believe me.
My weight-loss efforts these last couple of years have been hit-and-miss, as I’ve struggled to find something that works for me. Recently, I think I’ve been hitting upon some pretty simple concepts that really work, for me at least.
You might have read the Zen Habits Meal Plan, which is actually a pretty good plan. But let me take some of those concepts and simplify them a little more, for some (almost) easy ways to beat your weight-loss struggles. These are mostly the same concepts, but I’m reporting what has been working for me as I experiment with the meal plan.
Let me be honest again: even with the concepts below, weight loss isn’t going to be easy. But at least these tools will make it a little easier, a little simpler, and they really do work.
I’ve lost 15 pounds in the last few months, which isn’t rapid weight loss but is actually a very healthy rate of loss. I recommend gradual weight loss for everyone. At the rate I’m going, you can lose 50 pounds a year. I don’t need to lose 50 pounds anymore (I did at one time, but only have about 20 pounds to go), but after I lose the rest of the unwanted bodyfat, I’m going to focus more on building a little muscle (something I’m actually doing now but it’s not my main focus).
Never eat more than you can lift. - Miss Piggy
1. Focus on gradual loss. I mentioned this above, but it’s important. Too many people focus on trying to lose weight fast — 10 pounds in 4 weeks, 20 pounds in 2 months, etc. It’s not healthy, and it doesn’t work, because even if you are able to lose that much weight that fast, you haven’t learned sustainable eating habits that will last you a lifetime. The key is to figure out an eating pattern than will work for you for the rest of your life. Again, if you focus on losing 1-2 pounds per week, you will lose between 50-100 pounds per year. You just have to be willing to wait a year, but trust me, a year goes by pretty fast these days (I think it’s inflation or something).
2. Focus on nutrition. Exercise is important. You have to do it. It has wonderful benefits. But if your focus is on weight loss, the most important factor is what you eat. Don’t ignore exercise, by any means, but if you focus on exercise and think you can eat whatever you want, you’re wrong. You have to focus on nutrition (what you eat) and use exercise as a way to supplement the calorie burn and to get your body looking how you want it to look (not to mention as a key way to get healthy and feel great).
The reason: you can change how many calories you take in to a much greater degree than you can change how many calories you burn. Thirty minutes of exercise, for example, can burn less than a medium McDonald’s fries. Lose the fries, and you’ve done in a few seconds what would take 30 minutes of exercise to accomplish.
3. Become aware of your hunger. This is one of the key things I’ve been learning. Many times we are not conscious of how hungry we are. We ignore our bodies because we’re too busy thinking about other things. As a result, we only eat when we’re famished, and that’s not a good time to eat, because you don’t make healthy eating decisions when you’re super hungry. Your blood-sugar level is too low, and your body just wants a quick sugar fix — a donut or some cookies or white bread or a Coke will be much more appealing than a salad or healthy sandwich on whole grain bread.
Learn to listen to your body, and be aware of your hunger when it’s in its early stages. This is a key skill to weight loss, something the other plans don’t tell you about. They tell you what to eat and when, but don’t teach you how to use your body’s signals to learn to eat healthier.
4. Eat when you’re hungry, not famished. When you first feel the hunger, that’s when to eat. Don’t put it off until the hunger builds into an insatiable monster. When you start to get a little hungry, eat a snack. You don’t need to eat a full-on meal … just some fruit, some crackers, maybe some low-fat dairy (cheese or yogurt or cottage cheese — although I prefer soy yogurt), oatmeal, some nuts, dried fruit, etc. Just something to tide you over until you feel hungry again, or until you can eat a bigger meal. Keep healthy snacks at your desk or in your car or wherever you go. I like to pack some in the morning.
The corollary to this is to also allow yourself to eat what you crave. I know this is contrary to most advice, but I’ve found that it’s important to listen to your body … not only when your body is hungry, but when your body is craving a specific food. I’ve also found that often your body just wants a taste of that food (see No. 13 below) and if you give your body what it wants, and really pay attention to the taste and texture of the food and how you feel after you eat it, you will probably crave that food less and less. 5. Learn to eat until satiated. Again, pay attention to your body as you eat. If you eat mindlessly, you will most likely overeat. You’ll just keep cramming food into yourself until you’ve eaten too much. We’ve all felt the pain of being overstuffed. Don’t allow that to happen — be mindful of your eating, and of your hunger.
A good habit to build is to eat slowly … and take pauses, so you can think about whether you’re really still hungry … and drink lots of water during those pauses. This style of eating will allow you to stop eating when you’re satiated (when your hunger is satisfied, not when you’re stuffed) and allow you to be satiated by eating less. It’s not easy at first, but once you’ve practiced it for a week or two, it will make a huge difference in the amount you eat.
Another thing: before you go back for seconds, stop and take a break for a few minutes. Drink some water, talk to somebody, read, go do something, clean the kitchen a little. Whatever it takes. Often you’ll find that you really didn’t need the seconds. And then you’ve saved yourself a few hundred calories.
6. Drink lots of water. I mentioned this above, but drinking water throughout the day helps you to eat less. Water takes the place of food in your stomach. You’ll still need to eat, but if you stay hydrated you’ll get hungry less. Keep a bottle of water with you at all times.
7. Keep healthy options available. A good trick is to clear your fridge and cabinets of all unhealthy snacks and foods. Just dump them. Then plan some healthy breakfasts, lunches, dinners, snacks, and go shopping. Bring healthy foods to work and wherever you go. Always have some fruits and nuts and other healthy options by your side. If you do this, and eat when you’re hungry, you’ll eat the unhealthy stuff much, much less.
8. You gotta log. This may sound difficult to those of you who hate to log stuff or who only do it for a couple days and then stop … but it’s really not that hard once you get used to it. And if you use a very easy log (and one that’s accountable — see next item), it’s even easier. The reason you need to log is because most people underestimate the amount of calories they’re taking in. They don’t think the sweet drinks or the little snacks make any difference, but they really add up. Log everything that goes into your mouth, and you’ll really see how much you’re taking in. The act of logging makes you more aware, and that awareness, that mindfulness, is what allows you to eat less and be healthier.
9. Be accountable. Perhaps the greatest motivator of all is allowing others to see your log. That’s why I like using PeerTrainer, although other good logs (such as Fit Day, Spark People, Calorie Count, etc.) can also be used this way. PeerTrainer allows a small group of people to log easily and take a look at the other logs in the group. Whatever tool you use, get a partner or a small group that monitors each other’s logs, and you’ll be very motivated to eat well and exercise.
10. Find a workout partner. This is accountability done right. A good workout partner is someone who wants to workout at the same time as you and do a similar workout, and someone whose company you enjoy. Why it works: if you set an appointment with a workout partner, you won’t want to miss it. You’ll make sure you’re there, unlike when you work out by yourself — many people are very tempted just to cancel their workouts if they’re a little tired or busy. Also, a workout partner makes the workout a little more fun, and that’s always a good thing. If you get a workout partner, you will have a stress-free exercise plan that will compliment your healthy eating perfectly. Try for 3-5 workouts per week, giving yourself plenty of rest time after hard workouts.
11. Allow yourself to cheat. A strict diet plan is a bad one. If you are severely restricting yourself, and you feel deprived of good foods, you won’t last long. Trust me, I’ve tried it many times. Instead, relax a little bit, giving yourself a cheat meal or two each week, and allowing yourself to cheat a little on special occasions. It’s still best if you can go for the healthier foods on special occasions, but don’t be too strict.
12. Three-bite rule. A great way to allow for cheats is the Three-bite rule … basically, if you want a sweet or some other sinful food, don’t deny yourself … allow yourself a little indulgence, but just three bites. Allow yourself to enjoy the taste, eat slowly, then move on to healthier foods.
13. Forgive, and move on. If you make a mistake, or cheat more than you should, don’t just give up or beat yourself up. This kind of negative thinking is why people don’t stay on diets for long. They binge and then go back to their unhealthy habits. Instead, just forgive yourself for any indulgences, and get back on your healthy eating plan. Look forward, not backward.
14. Get inspired. Motivation is important … maybe the most important thing. Accountability (mentioned above) is the best motivator … but I’d put inspiration at a close second. Find others who are doing what you want to do, read success stories, read magazines and blogs and books, put up a motivational poster … whatever it takes to get inspired.