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Optimum Infosystems Scamsters

2023-02-08T09:16:00.001-08:00

Optimum Infosystems is a scam company who act on behalf of companies who want to hire resources for a period of 1-3 months. Optimum Infosystems also does business in Singapore and is known by the name of Optimum Solutions.

Optimum Infosystems is a fraud company and doesn't issue relieving letters to employees. Optimum Infosystems extort employees who leave without serving notice period. They are also breaking a lot of Singapore Labour Laws. The Indian Labour Laws are not being followed by the fraud company Optimum Infosystems. Optimum Infosystems in India also has a fraud manager without qualifications. The fraud manager name is Rajkumar Optimum Infosystems. His Email Id is rajkumar.m@theoptimum.net.

Optimum Infosystems CEO is Balwant Jain. There is no further information about this person except that he is an old person. A software employee had a very bad experience with Optimum Infosystem recently. Optimum Solutions Singapore has broken Singapore Labour Laws. They are closely working with Indian managers in Standard Chartered Bank Singapore. There are lot of conflicts of Interest and the Indian management frequently provides Kick-backs to Standard Chartered Bank Indian Managers.

Optimum Infosystems has a few employees in Chennai and Bangalore. The employees on an average work for about 3-5 months in the company. The company has a fraud model and ideally is not approved by the Labour laws. The Provident Fund and Finance team is the worst in Optimum Infosystems and there is no way an employee can claim the expenses. The salaries are credited by 10th of every month provided the employee is in project.

Bench employees are fired in the scam company Optimum Infosystms. They dont have an office in Bangalore. The leadership of Optimum consists of Mr. Balwant Jain, Mr. Vinod Martin and Mr. Sumit Malik. Mr. KT Nambi is the India Head. Optimum Infosystems has worked with other client such as BNP Paribas, Maybank and SCB (Standard Chartered India). They also act as staffing provider for 2-3 months for other Indian companies such as Tech Mahindra and LTI Mindree. Mostly the projects are very low quality and last only a few months.

Optimum Infosystems is a scam company and breaks all Singapore's Ministry of Manpower Labor laws. The Indian labor laws are not followed by Optimum Infosystems India. The provident fund and gratuity are not deposited fully. A portion of the amount is held in company's accounts. The company also is hiding a lot of problems in their balance sheet. The company's liquidity situation is very bad. Optimum Infosystems can go bankrupt in the next few weeks. Hence, advise new employees to check Optimum Infosystem Glassdoor ratings. Also the fraud HR managers from Optimum Infosystems have the below email Ids: manpreet.gulati@theoptimum.net.

Unfortunate employees who joined Optimum Infosystems and are suffering are as follows:

dk3360649@gmail.com" <dk3360649@gmail.com>,

"aimanfakih992@gmail.com" <aimanfakih992@gmail.com>,

"nairvigneshjayan@gmail.com" <nairvigneshjayan@gmail.com>,

"aashutoshsawant1994@gmail.com" <aashutoshsawant1994@gmail.com>,

"shreyasvaze@gmail.com" <shreyasvaze@gmail.com>,

"hazar003@gmail.com" <hazar003@gmail.com>,

"sourov_das@yahoo.com" <sourov_das@yahoo.com>,

"kirtimahi2@gmail.com" <kirtimahi2@gmail.com>,

"ushakrani2019@gmail.com" <ushakrani2019@gmail.com>,

"dharanibabu@gmail.com" <dharanibabu@gmail.com>,

"srini.vasan22@yahoo.com" <srini.vasan22@yahoo.com>,

"murugan125992@gmail.com" <murugan125992@gmail.com>,

"pavankumarchennupati@gmail.com" <pavankumarchennupati@gmail.com>,

"balaanandtestqa@gmail.com" <balaanandtestqa@gmail.com>,

"lakshmi.btech272725@gmail.com" <lakshmi.btech272725@gmail.com>,

"snehakapoor26@gmail.com" <snehakapoor26@gmail.com>,

"riyanathwani20@gmail.com" <riyanathwani20@gmail.com>,

"rajeevjhawar1305@gmail.com" <rajeevjhawar1305@gmail.com>,

"jahnavi.jldss@gmail.com" <jahnavi.jldss@gmail.com>,

"tmadhan833@gmail.com" <tmadhan833@gmail.com>,

"lrkreddy1991@gmail.com" <lrkreddy1991@gmail.com>,

"karthik.webtech11@gmail.com" <karthik.webtech11@gmail.com>,

"makr448@gmail.com" <makr448@gmail.com>,

"boobalananbalagan94@gmail.com" <boobalananbalagan94@gmail.com>,

"nskumar341@gmail.com" <nskumar341@gmail.com>,

"balaji.r@outlook.in" <balaji.r@outlook.in>,

"allendeepak16@gmail.com" <allendeepak16@gmail.com>,

"mysonkavin@gmail.com" <mysonkavin@gmail.com>,

"ssivamaran92@gmail.com" <ssivamaran92@gmail.com>,

"amirattar51@gmail.com" <amirattar51@gmail.com>,

"gopalchinta17@gmail.com" <gopalchinta17@gmail.com>,

Divya Puvvada <divya.puvvada@theoptimum.net>,

Beware from joining such companies.

Satellite phones and accessories

2016-06-16T23:24:00.003-07:00

Satellite phones are phones which provide a wider coverage compared to conventional mobile phones. This is because they connect via orbital satellites. Depending on the network, a satellite phone may have coverage throughout the globe. They are extremely useful for people who travel a lot. They are also more secured compared to conventional telephone channels. Hence, they are used widely in defense departments of countries. Satellite phones can also be a good option for people residing in remote locations with little or no connectivity to conventional mobile or telephone networks.
Satellite phones can be acquired easily in most of the developed countries. Australians in remote areas can apply for a subsidy to acquire satellite phones. The calling costs of satellite phones may be more compared to telephones and common mobile phones. Common services like SMS, internet etc are also supported by most satellite phones. Common Satellite phone brands available in Australia are Iridium, Inmarsat, and Thuraya etc. Inmarsat and Thuraya use the geostationary Orbiting satellites while Iridium uses the Low Earth Orbit (LEO) technology. LEO satellites usually provide worldwide coverage with no gaps while geostationary satellite providers are able to maintain an almost continuous coverage.
Most satellite phones use encryption for security purposes. However, there have been cases where the algorithms have been reverse engineered. Hence, they may not be suitable for high security usage. These phones usually use special country codes. For instance, +870 is used by Inmarsat phones and +881 are used by LEO satellite phones. Satellite phones have proved to very useful under turbulent times. During times of natural disaster and war, most of the conventional telephone and mobile networks are out of service. Satellite phones can be useful for government authorities and disaster recovery teams in rescue operations. Common satellite phone accessories include cases, batteries, adapters, travel chargers, convertors, USB cables, etc. Other useful accessories could be ear phones, antennas, docks etc.

Stencil Marking Equipment

2016-06-16T23:24:00.000-07:00

We are well known sellers of Stencil marking equipment. We have been in the business of selling these for a number of years. Our expertise has fetched us clients from a number of sectors. We specialize in selling various types of stencil marking equipment. These are cost effective solutions and work out well for various types of enterprises. We have been a trusted provider of marking equipment for several companies for quite some time now.
Our clients have given constructive feedback on our stencil marking equipment. We have used the feedback to make improvements to our processes. We are in a position to deliver superior value to our clients. Our employees and contractors take every effort to improve client satisfaction. Our equipments aid in efficient identification of products. The products marked by our equipment include material like rubber, metal, wood etc. Our marking equipment have been manufactured with accuracy and quality in mind. Please contact us for more information.

Understanding Chapter 13 and Chapter 11 of business law

2016-06-16T23:22:00.002-07:00

Bankruptcy is the state of a person or organization that cannot repay the debts owed to creditors. This is usually initiated by the borrower and imposed via a court order. The federal laws govern the process of filing for bankruptcy. There are different chapters under which bankruptcy can be filed. The most common ones are the Chapter 11 and Chapter 13. Both these chapters are applicable to both Individuals and corporations. Understanding Chapter 13 and Chapter 11 of business law is very important to grasp the laws surrounding bankruptcy and insolvency in United States.

Chapter 13 Bankruptcy law

Chapter 13 (reorganization) is a common and well known bankruptcy code. It is also referred to as Wage earners plan. Under this law, debtors can propose a plan to make repayments towards a loan over three to five years timeframe. Chapter 13 is popular because it has a number of advantages over chapter 7. Under Chapter 13, individuals can save their homes from issues like foreclosure.

Under this chapter, the courts have the power to approve a chapter 13 without any approval of creditors. Chapter 13 is often viewed as a great way to consolidate debt position based on the cash flows of the debtors. However, there are also a lot more advantages of Chapter 13 filing.

Chapter 11 Bankruptcy law

When a corporation is unable to service its debts, it can file for bankruptcy under chapter 7 or chapter 11. Under this, the debtor (business or individual) can propose a plan for reorganization of debt. The filing of petition can be initiated by the debtor (voluntary) or maybe filed by creditors (involuntary). However, there are cases when an individual cannot file for Chapter 11. One example is if a prior bankruptcy order was dismissed in the last 180 days due to willful failure of the debtor to appear before the court of law. There have been numerous cases of corporate Chapter 11 bankruptcies in recent times. The largest chapter 11 was the case of Lehman Brothers in 2008.

Disadvantages of filing bankruptcy

There are certain disadvantages of filing bankruptcy to individuals. Under FCRA, the record stays in the credit bureau report of the individual for about 7 years. It is however, possible to obtain a new credit card or loan after about 1- 2 years of filing bankruptcy.
We have a sound understanding of understanding Chapter 13 and Chapter 11 of business law. Our specialists in the field of bankruptcy laws can provide advisory and legal services. Please contact us for any advice on debt consolidation, debt restructuring or bankruptcy filing.

How a healthy child is the hallmark of a happy family

2014-11-04T07:55:00.000-08:00

Health is an extremely important ingredient of happiness. A healthy child makes a happy home. It is important for the mental well being of other members of the family. It is obvious that good health promotes well being and happiness in a family. There are several ways we can ensure our children are healthy. One of the easiest ways is to try and provide proven supplements which can improve the immunity of children. Improved immunity ensures that children are able to grow better. Good health in early age is like compound interest. There are multiple benefits like better grades in school, better chances of leading a happy life etc.

Healthy children can avoid a lot of discomfort to family members. Common infections, if neglected can turn detrimental in certain cases. Hence, it is necessary to give due importance to a child's health. Of course, there are views that today's cleanliness is reducing immunity among our children. However, purposely exposing to germs may not be a wise idea at all. I certainly wouldn't recommend excessive use of stuff like hand sanitizer. Timely vaccinations are recommended to ensure good health in children. It is advised to go for all available vaccinations. Some doctors advise regular flu-shots. These shots can avoid certain types of germs. Vaccinations for illnesses like Typhoid and Chicken-pox are also available. Vaccinations build herd immunity and are essential for the well being of our country. There have been certain wrong notions and rumors surrounding vaccinations spread. However all medical experts have openly declared that such rumors are baseless and dangerous to the society.

Children should also be educated on basic cleanliness. Basic checklist should be followed while feeding a child. Anti-bacterial soap can help avoid many common infections in children. Common medicines like Tylenol can also be used if required. In case of prolonged illness, it is advised to consult a pediatrician. Good nutrition is another important thing to be kept in mind. The physical and mental health of a child depends heavily on the first 1000 days of diet. It is advised to feed children with a balanced diet. A child’s diet should consist of ample vegetables, fruits and whole grains. Probiotics can also be helpful to improve metabolism and digestion. However it is recommended to consult with your doctor before administering any probiotics for children and infants.

Apart from the above mentioned steps to ensure good health, ayurvedic supplements can be of great help in improving immunity. Products like Dabur chyawanprash taste good and provide the goodness of herbs like Amla, Giloy etc. These products if consumed on a regular basis can be beneficial to a child’s health. The pre-clinical studies indicate its anti-allergic and immune-modulatory potential. For more information, please visit https://www.liveveda.com/daburchyawanprash/

Good Blog on investing and Psychology

2014-11-04T07:49:00.002-08:00

I recently came across a blog on investing and psychology. Several of the posts in the blog are dense are require a good amount of focus. The author certainly puts in a great amount of effort before each post. Recommend you to read this blog. This is a real gem I found in the last 6 months.

https://janav.wordpress.com

Synced with Univercell Sync

2014-08-24T04:58:00.000-07:00

UniverCell Sync is a new concept store by UniverCell. These sync stores have been established for serving customers in a better way. The difference between a normal store and Sync store is imminent. The ambiance, lighting and the smell of sync store is more chic. You can almost compare a Sync store to Imagine (Apple) stores. The market share of UniverCell is higher than most other retailers. In South India they have close to 40-50% of the mobile retailing business.

The UniverCell Sync has been established to attract tech-savvy customers who are on the lookout for latest gadgets and experiences. India has been quite slow in the process of adopting new technology. It could be due to the purchasing power of the population. However, stores such as Sync, allow customers to experience the goodness of technology and help them buy suitable gadgets. The bloggers who visited were asking about the impact of e-commerce on traditional retailing. The manager responded to bloggers questions promptly. I think her name was Soumya.

Some staff members also conducted a demo sessions for some of the newer gadgets. The store has also setup a portable epson printer for customers to experience end to end photography. In fact lots of gadgets seemed to be targeted at amateur photographers. I spent about an hour browsing most of what caught my attention. There were some tablet like laptops and there were some laptop like tablets. Just kidding. I am always interested in debates that surround the topic of tablet vs laptops. Some coders dislike tablets. The normal tech savvy non-coders love tablets. Some people have and love both. This is the age of convertibles.

I never miss an opportunity to visit gadget stores whenever I am in a mall. When my family members are shopping apparel and stuff, I find solace anonymously browing stuff in gadget stores. The placement of products in the store is quite interesting at UniverCell Sync Indiranagar. Most round tables have 4-6 gadgets. Unlike conventional UniverCell stores, the mobile phones are not dummy sets. Overall, it was a good experience. I had a good time observing the gadgets closely. I believe, UniverCell Sync will allow customers to buy good products and accessories.

Fragrances- A matter of memories

2014-08-03T06:27:00.002-07:00

Fragrances act as anchors to several memories. The creation of a quality fragrance is not an easy task. It involves connecting with the pschye of individuals. Understanding of customers is very important. The kind of fragrances that have been successful in the marketplace indicate a strong bias towards customer development and discovery.

Indians love fragrances that connect to their traditional pscyhe. Aromas of sandal, eucalyptus are not new to Indian people. Fragrances that are able to combine such traditional aromas with a good blend of synthetic smells will be successful. Complex aromas like that of coffee, cinnamon/clove, fruity smells like apple etc can also be successful. This is an entry to #InspireAFragrance context on Indiblogger. For more details, visit:
http://www.godrejaer.com/

How Cloud Platforms Save time and Effort in the Software Development Process

2014-03-31T06:42:00.000-07:00

Cloud computing platforms started playing a major role in sharing and collaboration. These platforms gained popularity in the last 2-3 years when major companies have migrated their code to servers hosted on cloud computing platforms. Previously, code usually resided on physical servers which were prone to software failures. Moreover, sharing code was not so easy or elegant. It usually involved an elaborate check-in check-out process and was usually aided with software tools such as VSS (Virtual Source Safe).

With the advent of cloud computing platforms such as Windows Azure (http://www.windowsazure.com/en-us/pricing/free-trial/) and open source hubs like Github, software code sharing has become easy. It is very easy to see your peer's code and review them as well. You can even reuse most of the functions written by other developers across the project. In Simple terms, you just use certain modules written by others and others use some modules written by you. This adds a lot of efficiency to the overall project.

The traditional method of maintaining code on physical servers has a lot of disadvantages. They are more prone to crashes and other issues. A person should be dedicated to take backups every few days. They are also known to consume a lot of power. No employee wishes to "turn off" the server. These machines usually run 365 days a year. This also harms the hardware of the server. Today's cloud computing platforms overcome these conventional problems. They are suited for conventional as well as agile projects.

Companies that don't harness the power of cloud for software development process are usually doing stuff in the old fashion. This also projects a bad image of the company in front of employees and customers. Companies that adopt the cloud model are able to see the advantages almost immediately. Only the transition phase of moving the code from physical servers to cloud may be a bit tedious. But once completed, the efforts of employees compound and overall efficiency is achieved pretty fast.

Using services like Windows Azure will eliminate the need for extra physical systems. This saves power, space and the effort spent in procurement of the machines. Usually cloud platforms provide flexible pricing plans. There is also a free trial involved where employees of the company can checkout the features and maybe develop a small module or feature. They are billed if they select features outside the free plan. It is worthwhile to explore the options and setup an efficient cloud based system for the entire software development life cycle. In the long run, such initiatives are bound to save time and money.

Treasury and Financial Supply Chain Flows

2014-03-27T06:02:00.000-07:00

Treasury and Financial Supply Chain Flows

Source: The Handbook of Global Corporate Treasury

The entire process requires capital in order to run. Until the customer pays the firm, the inventory, operations and supplies need to be funded. Proceeds from sales received across locations need to collected and deposited, so that payments can be made from those or other locations for purposes of running the business. Accounts need to be maintained in these locations, perhaps in different currencies, and these accounts need to be managed.

Trade transactions need to be funded, and documents must be prepared and used.The entire aspect needs to be planned and executed, and this forms the basis of one of treasury’s key roles, which is to handle transactions as part of cash management, managing the cash and funds of the organisation.

It is preferable to use the firm’s own money to make these payments, and hence the monies need to be moved efficiently from one location to another, making them available where they are needed. Where it is not possible to use the firm’s own cash, alternative arrangements need to be made—for example, borrowing from a local bank. Even if access to these funds becomes difficult, the firm still has to keep running—ensuring that there is money available when required ensures liquidity for the firm.

Excess cash needs to be invested securely to generate return for the firm until such time that the cash is needed. Long-term projects require capital—this needs to be arranged at the least possible cost and putting least pressure on the firm’s cash flows. The organisation needs to be creditworthy, and the financials of the firm have to be aligned to ensure that the performance is consistent with or better than expectations in order to sustain and improve the creditworthiness of the firm and hence its ability to generate liquidity and lower its cost of funding. This calls for managing the balance sheet efficiently, and with the right structure. This entire set of activities, the second of treasury’s key roles, covers managing the balance sheet and the firm’s liquidity (which is another aspect of cash management).

As the firm moves across borders, sells or buys from another country, or exposes itself to other counterparties and undertakes financial transactions, it exposes itself to risk or uncertainty that the business and financial objectives will not be met because of a change in some factors—perhaps market movements, defaults of trade partners or banks, or internal errors. The management of these risks forms the third of treasury’s primary roles.

Nature's Friends: A brief encounter with ants

2014-03-13T03:54:00.001-07:00

I have observed several small children play with ants. Ants are an interesting species. I recently observed a 7 year kid in my community playing with ants. These ants were the small black ant species which are harmless. They don't have a sting like red ants.

The kid was observing the ants near a well. The ants were carrying food and were following each other. The kid was of the curious kind. He was careful not to hurt the innocent creatures. He was trying to confuse a few ants and mislead them. He was basically trying to lead them to a different route. Some ants were misled, but they were back on track in a few minutes time. I had known this phenomenon. Ants secrete a substance called pheromones which guides them to follow others. Once an ant has established a path, all ants follow the scent and try to reach the destination.

If an ant accidentally discovers a shorter route, it will leave a relatively stronger scent which attracts other ants. This leads to an increased concentration of scent in the new path. Most ants will then start using the new path. I tried to explain this to the kid in a simple way. I showed him he doesn't need to touch them to mislead them. He can just rub the path when no ant is crossing it. This seemed to misguide the ants a bit. But most ants are programmed to deal with such uncertainties. Hence, I guessed that this wouldn't hurt them much. The kid had a lot of fun later and looked happy. I guess he learnt something about biology and group behavior.

Nature friendly kids enjoy products that are made from natural substances like tomatoes. (http://www.kissan.in/). Feel free to gift them products that have nutritional value.

Gibbon- A new type of educational start up from Europe

2014-03-13T03:42:00.001-07:00

Everyday I am learning new ways of using internet for more productive purposes. Recently I came across a start-up called Gibbon based out of Europe. This is a new kind of start-up that aims to build playlists for learning.

The content of courses is crowdsourced. Anyone is free to start a course and curate contents from the web. There is no limit on the size of lessons. However, users will not be able to upload files or share pdf/ppt files. URLs which have files are also not allowed.

Gibbon was also featured on Techcrunch recently. There are a few good courses on lean startup and user experience/design. If you are interested, you can enroll for a couple of good lessons on Gibbon.co.

Close Encounters of the Smelly Kind

2014-03-13T03:39:00.001-07:00

I have always wondered about smelly people. There are several reasons behind the smell. In most cases, it is because of excessive heat and sweat. In such cases, it may not be right to deal with a smelly person in a straight forward way. However, I have had encounters with certain people who were extremely reluctant to take bath on a daily basis. They just don't want to get inside a bathroom and run water on their bodies. Maybe they like the natural secretion of sweat better. This was an arguement given by a lazy friend.

One of my roommates in hostel skipped bath every few days. He wouldn't bother much and skip taking bath on atleast 7 days a month. The smell aggravated when he would skip bath two days in a row. We were in a relatively tropical climate. This added to the misery. I usually encountered the smell with the usage of room freshners, perfumes, agarbattis etc. The more I sprayed the freshner, he would understand that his smell was an issue to me. He would take bath as soon as possible. I talked to him about his habit of skipping bath. He told that he gained this habit in school when he would wake up too late and had to rush to catch his school bus. Nevertheless this was clearly a problem to me. I dealt it in a relatively smooth way without offending him (I hope so).

I hope he is taking bath every day now. If cold water is an issue to him, I would suggest Racold Instant Water Heater to him (https://www.facebook.com/racoldthermoltd).

Condition Serious Hai: Nahi Hai

2014-02-14T06:45:00.001-08:00

There are many people who suffer from this syndrome called Seriousness. They are serious about the most unnecessary things on earth. I hate to say this, but I have seen a lot of elderly people affected with this serious syndrome. I narrate a true incident which took place when I was travelling by public transport in Bangalore. I carry laptop backpack everyday to office. On this particular day, I boarded a normal bus. It was about 6:30 PM and the bus was quite crowded. I accidentally brushed an elderly gentleman with my laptop bag.

The gentleman asked me to proceed towards the end of the bus in a rude manner. Without thinking, I immediately fell to his feet and started apologizing dramatically.I don't understand why I did this because I am usually a very introverted person who avoids conversation with unknown people.
I thought this would soothe his serious nerves. But, boy I was wrong. This seemed to enrage him further. But the seriousness of the situation turned comical when people in the bus started laughing. My intention was never to hurt the gentleman.

I think, I just wanted to show that people still have a sense of humor in this busy world today. Later I apologized to the gentleman about my behavior and told him that I was a part of the local laughing club when I was young. My actions could be due to this. He said it was okay and he missed the humor that used to be a common affair in his younger days. He talked for a few minutes about his family.

To get rid of unnecessary seriousness from your life visit:
https://www.facebook.com/cadbury5star

Latticework: The New Investing by Robert Hagstorm

2014-02-14T06:35:00.000-08:00

I have been looking for Latticework: The new Investing pdf for quite a while now. However I have been unsuccessful. But after a long search, I came to understand that the book is available under a new title "Investing: The last liberal art". I searched on Google books and was able to read about 20% of the book. I can say, read this book only if you are looking for worldly wisdom and multi-disciplinary areas. The book draws from various fields like sociology, physics, psychology, mathematics etc.

At times, you may wonder if all this makes sense. There is no tangible benefit of reading Latticework: The new Investing pdf which translates directly into your stock analysis or performance. However, the book is worth a read. If you are unable to access the old title, keep searching for Investing: The last liberal art pdf. Robert Hagstorm's other books such as "The Warren Buffett Way" and "The Warren Buffett Portfolio" are easily available in most stores and also in pdf form.

For people interested to know more about the book Investing: The last liberal art pdf, please visit the website below:

http://www.fordhamgabellicenter.org/pdf/Hagstrom-Investing-The-Last-Liberal-Art-11-13-13.pdf

The above is a presentation given by Hagstorm at Gabelli Center for Global Investment Analysis.

Knowledge is Great: Study in UK

2014-01-14T23:04:00.000-08:00

Several times, when I plan to study abroad, United Kingdom comes to my mind. There is something about this country's educational system that attracts me. Probably because many leaders like Gandhiji studied in UK. But when I think of a subject to specialize in, Scotland comes to my head. One thing, I always avoid crowded places. I am also looking for an innovative course that finds relevance in the next three to four decades. The University of my Choice would be University of Edinburgh and the subject of my choice would be Carbon Finance.

There are several reasons why I would like to pursue this course. One of the main reasons is my fascination with environmental policies, finance and risk management. I believe that, the Carbon Finance course blends these areas seamlessly. I am also of the opinion that Carbon Management will be a key issue of interest in the coming decades. I was inspired by the documentary movie by Al Gore "The Inconvenient Truth". So in short, I see this course preparing me and fulfilling my interest in issues like climate change, Energy Finance and other relevant areas. I would like to study full-time in Scotland. I am also a scotch connoisseur. I feel spending time in Scotland will also be a great experience.

Place - University of Edinburgh

Subject- Carbon Finance

Reasons- Interest in subject (Climate change and Finance), Want to spend time in Scotland

http://knowledgeisgreat.in/

Some favorite quotations from the book "Seeking Wisdom: From Darwin to Munger"

2013-12-31T00:44:00.000-08:00

I started reading the book Seeking Wisdom: From Darwin to Munger recently. It retails for a high price. So I decided to read a pdf copy which was sent by a friend. Following are some of my favorite quotations from the book.

A man who has committed a mistake and doesn't correct it, is committing another mistake. ~Confucius

Our life is what our thoughts make it. ~ Marcus Aurelius Antoninus (Roman emperor and philosopher, 121-180)

I have called this principle, by which each slight variation, if useful, is preserved, by the term Natural Selection. ~Charles Darwin (British naturalist, 1809-1882)

Human beings are pulled forward toward and by nature seek pleasure, whereas they flee from and reject pain. ~Epicurus (Greek philosopher, 341-270 BC)

Our fears are always more numerous than our dangers. ~Lucius Annaeus Seneca (Roman philosopher, 4 BC-G5 AD)

We do not care about our reputation in towns where we are only passing through. But when we have to stay some time we do care. How much time does it take? A time proportionate to our vain and paltry existence. ~Blaise Pascal (French mathematician and philosopher, 1623-1662)

Men's natures are alike; it is their habits that carry them for apart. ~Confucius

There must certainly be a vast fond of stupidity in human nature, else men would not be caught as they are, a thousand times over, by the same snare, and while they yet remember their past misfortunes, go on to court and encourage the causes to which they are owing, and which will again produce them. ~Marcus Porcius Cato (Roman statesman and writer, 234-149 BC)

I am just through with the first few pages (about 10-15% of the book). I will add on the quotations as and when I get time.

Want to recharge my hair to be a better biker

2013-12-17T08:42:00.002-08:00

I have always been worried about my hair for a long time now. i realized the importance of hair care when I experienced hair fall for the first time when I was 17 years old. Till then, my hair was in excellent shape. After I was 17, I had to be careful about my hair and apply the right kind of stuff to maintain it well.

I like biking and want to experience the joys of biking around the city without worrying much about my hair. This is an important reason why I would like to recharge my hair. Recharging my hair will ensure that I don't need to spend much time worrying about usual problems like hair fall. I have to wear helmet because I am concerned about safety. As of now, I don't ride a super bike. I plan to do it in future if the Indian roads support it.

For more information on recharging your hair with sunsillk product, please visit

http://facebook.com/sunsilkhairexperts

TABB Group Liquidity Matrix

2013-11-18T02:54:00.000-08:00

The Liquidity Matrix is a good tool to analyze about liquidity in different exchanges and Dark Pools.

Once you register on TABB website, you can view Liquidity Matrix.

Dark pools covered are-

Barclays- LX, Knight- Knight Link, Goldman Sachs- Sigma X, etc.

Check out the September 2013 Liquidity Matrix here:

http://mm.tabbforum.com/liquidity_matrices/112/documents/original_TABB_Group_LiquidityMatrix_September_2013.pdf

Myclaimsource.com - Simplifying the Insurance Claims process

2013-11-10T21:57:00.002-08:00

Myclaimsource.com is a nice little website helping people filing their claims. People who don't have knowledge of filing claims can resort to Myclaimsource.com for details. Insurance is an important aspect of financial planning. There are various instances where policy holders may need to file for claims. This is more common in case of small companies. Retail policy holders usually file claims for health, auto or life insurance. Businesses on the other hand file claims in a variety of insurance types such as professional indemnity insurance, business insurance, workers compensation etc.

Insurance is an extremely important part of running a successful enterprise. There are also several regulatory requirements which mandate businesses to take certain types of insurance. Myclaimsource.com helps policy holders to understand more about the claim process. They have segregated different insurance companies and offer tailor made techniques for file for insurance claims.

For more information, please visit

http://www.myclaimsource.com/

An additional insurance blog may also be helpful for people to understand more about the Insurance Subject Area.

http://bloomingalmond.blogspot.com/

A Visit to Bookstores near MG Road Bangalore

2013-11-09T01:31:00.000-08:00

I had long planned to make an exclusive visit to bookstores in MG Road and Surrounding Areas in Bangalore. I spend a hell lot of time in bookstores. Hence, I had to visit these places alone. Based on opinion of people I know, I shortlisted Select Bookstore and The Bookworm. Both these places are well known among book lovers for old used books. I also visited HigginBothams and bought a few children books for my daughter. I tried visiting Gangarams and Blossoms but was unable to do so because of time constraints.

Bookworm- This is on MG road and houses second hand books. You can find a lot of books at reasonable prices. However if you compare prices with online bookshops, you will not see much discount. Most books housed at Bookworm are recent titles. The bookstore is small and has more fiction and history books. Nevertheless, I bought a couple of books in great condition for 50% discount on MRP.

http://www.deccanherald.com/content/331776/for-bookworm-you.html

Select Bookstore- This bookshop primarily houses old books. Books by unknown authors are in plenty. However, Mr. Murthy and his son try their best to provide you with relevant books. Most books are in very bad condition. However, if you are lucky, you may lay your hands on some really precious books. This store also sells stamps and coins.

http://caravanmagazine.in/lede/shelved-away

The staff in both the stores are cordial and have adequate knowledge of books and current trends. They help you to find books of your interest. However, they were below my expectation levels. I have visited several used bookshops in areas like Avenue Road, Banshankari, Gandhi Bazaar, Malleswaram etc. Those book stores house a bigger and better collection of books compared to the shops on MG road area. Also, I find prices of books at Bookworm and Select store to be much more compared to other used book stores in Bangalore.

Towards an Immune India

2013-11-07T02:32:00.001-08:00

Immunity is a very important aspect of life. It plays a vital role in health and general well being of a person. I recently read a book by Jared Diamond "Guns, germs and Steel". In this book, he explains how the Europeans were able to overthrow South Americans with the usage of appropriate germs like pox virus. South Americans who were not immune to these new germs from Europe were wiped out in a matter of days. The context of immunity in the book was a bit different. However, I wrote this just to stress the importance of immunity. We are facing a lot of unusual germs today. Our bodies may not get stronger fighting these germs. Hence, it is a good idea to build a better immune system following healthy practices.

Immunity can be improved by many ways. Common ways include a healthy lifestyle, good food practices and ample rest. Fresh fruits, vegetables, balanced diet and other aspects can have a positive impact on immunity. Several ayurvedic supplements like Chyawanprash can also have a positive impact on the immunity of a person. Chyawanprash is formulated based on ancient methods and is known to improve immunity and metabolism. It is a very good supplement for young children and healthy adults. It fights bacteria, virus and protozoa and helps in building better health. However, for them to work perfectly a good diet is very important. A person cannot be healthy by taking a spoon of chyawanprash and intake junk like sugary drinks, alcohol, fatty fast food etc.

Considerable improvement in immunity can be seen by people who follow healthy practices. My views on health and fitness are quite different from conventional views. I don't consider it healthy to eat five small meals every day. I don't consider it healthy to eat the same amount of food every day. On some days, I eat a lot while on some others, I eat like a bird. I have noticed a significant improvement in my immunity and overall health by including randomness in my daily life.

I like to include a lot of variety in my diet. I don't abhor carbohydrates. I take rice, wheat, millet, corn, pulses, eggs and nuts regularly. I try to avoid sugar, sweets, colas, alcohol, processed foods like bread, burgers, pizzas etc. I include vegetables, fruits and supplements like chyawanprash. It is advised to consult a doctor before using any form of supplements. I also occasionally take other supplements like vitamins, fish oil etc. However none of these are taken regularly. I stress the importance of variation and randomness in diet and exercise as well. On some days I take a lot of protein and very little carbohydrates. On some other days, I do the exact opposite. I learnt about most of these after reading books by Nassim Taleb and Arthur De Vany. I also learnt cooking and started eating wholesome meals rather than fast food. I rarely eat out these days. On days I do, I watch my portions and don't overeat.

I have strong views on health and fitness. Eating a pizza may not harm much in the short run. However the unhealthy habits don't go so easily. Eating fast food increases the cravings and hampers our health. We need to guide young children who are lured into fast food corners for celebrating birthdays. The toys offered by these outlets add to the charm. We want our children to be happy. So we oblige and take them to the fast food center. But we are just encouraging them to get addicted to unhealthy food and sugary drinks. It is important to start eating healthy and take the right kind of supplements. These aspects are important for building an Immune India.

For more information on Dabur Chyawanprash, please visit:

http://www.daburchyawanprash.com/

Platinum Day of Love

2013-10-28T01:49:00.000-07:00

Platinum Day of Love for me was on 15-Oct-13. Fifteenth October was the day I got married to my sweetheart two years back. Things have changed a lot since I got married. I was this carefree guy getting up at 9 in the morning and hurrying for work. Coming back home by 10 PM was a routine. I used to have all three meals outside. I used to party a lot with people around me. Marriage changed me for better. I started experiencing the goodness of home food and of course the love.

She is the love of my life. I fell in love with her, the first time I saw her. I remembered the lines from Divine Comedy by Dante. His words have always evoked a sense of overwhelming love in me. I planned to have a perfect second year anniversary. This year we had our little daughter with us. Every time I look into the eyes of my 1 year old daughter, I can see myself. I love her beyond any words. This year was a special anniversary because this was our first with our cute daughter. We planned to spend the whole day together. Travelling to distant places was out of question because of the daughter. I decided to bring the outside world home this year. I decided to do something unnatural to me.

I am this rational person with an advanced degree in finance. I value everything I purchase. I try to estimate the future value of every object I purchase for myself or my family. I would never buy things like Gold/Platinum Jewelry. I always used to think that these are just for people who want to hoard their hard earned cash. However, I was deeply influenced by a statement I read in an unexpected book "Poor Charlie's Almanac". It’s a book on Charlie Munger.

Charlie Munger is the partner of Berkshire Hathaway and is a well known value investor. He draws his ideas from multiple spheres of life. He is nearing 90 now. He has led a life of prosperity with his Wife Nancy. His life is an inspiration to thousands of financial aficionados like me. A statement by Munger changed my perception about jewelry. He is known to have said this ""I think when you're buying jewelry for the woman you love; financial considerations probably shouldn’t enter into it." Exactly. I understood not to put financial considerations while buying jewelry. But I knew my budget and planned a simple platinum earring suited for the occasion. My wife loved the present and the day was amazing. I chose Platinum because it is different (at least today). I find the color to represent purity and unconditional love. Try and gift a platinum jewelry to your loved one to see the look of joy on her face. 15 Oct 2013 was truly a Platinum Day of Love in my life.

Platinum Day of Love
http://www.preciousplatinum.in/en/about-platinum/platinum-day-of-love

Role of Ayurvedic and Synthetic products on Children

2013-10-20T06:30:00.001-07:00

I have been using a lot of products for young children for over a year now.I experimented with a range of brands and variants in each category. I should admit that I am a bit biased towards favoring Ayurvedic products over synthetic ones. This is due to several reasons. I have been using ayurvedic products myself for years now. I prefer Indian made ayurvedic toothpaste, soap etc. I am well aware of benefits of modern anti-bacterial mouth wash and dental floss. However, the traditional clove scores points over any of these products.

For my kid, I have been using various types of oil. I avoid ones which have heavy perfume. I prefer locally made ayurvedic oil such as Dabur Lal Tail, traditional castor oil, ashwagandha oil, etc. I am even okay with plain Olive oil, Coconut oil, Almond Oil etc. However, I have always avoided using oil which has a lot of chemicals. I always wonder the effects if the baby ingests the oil. I would prefer products which are formulated by well known brands and which guarantee quality and safety for the young ones.

We already ingest enough chemicals through air and water. Nothing is free of chemicals including water. Hence, I prefer to use ayurvedic products over synthetically processed ones. I am worried about chemicals like Paraben which are present in almost all modern products. Usage of ayurvedic products ensures that the amount of processing is relatively less and less amount of chemicals are used. I am very well aware that most products today (including ayurvedic based) cannot be chemical free. But what satisfies me is that the amount of chemicals is relatively less in ayurvedic products.

Honda Pressure Washers for Sale

2013-09-21T03:54:00.002-07:00

Pressure washers are mechanical devices which are usually used to get rid of unwanted paint, dust, mud etc from building surfaces, walls, vehicles, etc. Pressure washers consist of several components such as motor, hose and switch. Motors are usually of different types such as pneumatic motors, internal combustion motors, electric and hydraulic motors. The hose of a pressure washer is usually of high pressure. The switches are of a gun trigger style and are designed for ease of use by all sorts of people. Honda pressure washer sale ensures that high quality Honda pressure washers are available for interested customers.

Portable pressure washers are popular among people and are used for a variety of purposes like gardening, cleaning of boats and other vehicles, etc. Portable washers are also referred to as residential power washers. These may not be suitable for large scale use. Gallons per minute (GPM) is an important attribute present in specifications of most pressure washers. Another unit of pressure commonly found in specifications is PSI (Pounds per square inch). It is a good idea to decide on the specifications before buying a pressure washer. It is also a good idea to decide on the specifications of the components like motor and metrics like hose length, noise decibel level etc. Based on the needs, appropriate pressure washer can be selected. It doesn't make sense to buy a residential pressure washer for industrial use. Similarly it doesn't make sense to buy a commercial electric washer for home use.

There are different types of power washers. Common classification is based on the type of fuel consumption. Based on the fuel consumption, electric washers, diesel and petrol washers, gas washers, hydraulic power washers, steam washers etc are common classifications. Special washers such as insulator washers are designed to remove dirt and other undesirable materials from insulators using low conductive water. Such special washers usually consist of a basic power/energy source, water pump, water tank for storage, high pressure hose, wash gun etc.

Honda pressure washer sale includes a variety of high quality pressure washers offered by Honda. These washers are suited for a variety of purposes and are designed to last longer. They are designed to deliver excellent cleaning results. The performance of the washers is also very good. The endurance and durability of these washers is also one of the advantages. The top pressure washers sold in the market have Honda engines. Hence, buying suitable power washers during the Honda pressure washer sale provides an excellent opportunity to shop for good pressure washers.