Mera Jahaan !!

Anna ki aandhi

2011-08-28T07:48:00.001+05:30

How often in this country, we would have witnessed the outright liberation of the people who little knew about the rights their constituton provides them. When congress started their second innings at the center, little did the voters knew about the rust of corruption this political party would bring along. And eventually, CWG & 2G scams begin to rock the government.
Then came a revolutionary, who little knew the word "I". He selflessly sat on anshan(fasting unto death), such a strongest was his resolve that even it made the world take notice, leaave the government alone.

Know your home loan better

2011-05-06T17:15:00.000+05:30

Any individual who is planning to take a home loan should be familiar with the terminology that home loan financer as well as the loan agreement mentions every now and then. An understanding of such terms makes a home loan deal clear in the mind of the borrower. Here are some terms that one must know while he goes to shop for a home loan.

Margin Money
When you are searching for a home loan, you always come across the term margin money right at the time of sanction of the loan amount. Any financer or lender does not lend the entire amount of the housing property. It will only extend around 80% to 90% of the cost of your home and remaining amount has to be brought by the borrower. This amount which the borrower brings is known as the margin money. Commonly it is known as the down payment. It is basically the difference between the total cost of a project and the sanctioned loan amount.

Equated Monthly Installments
When we take housing loan or to that matter any loan, we also have to repay it in a certain period of time. Equated Monthly Installments or EMI is the amount of money that is paid every month towards the repayment of a loan. It is used to pay-off both interest and principal each month, so that over a specified number of years, the loan is paid off in full. The EMI is calculated on the basis of interest rate charged on a loan, principal which is the actual amount of the loan and the loan tenure which is the total number of years considered to repay the loan.

EMI benefits the borrower by making him aware about the money they will need to pay toward their loan each month, making the personal budgeting process easier.

Pre-EMI
In case you plan to buy a property that is under construction, then the lender does not provide the entire loan amount to the builder in one go. Payment is made in installments till the time construction is complete and once it is over, the full payment is released. During this time, before the entire loan is disbursed to the builder, you have to pay pre-EMI to your lender. This pre-EMI is actually the interest on the amount disbursed till the final disbursement is made. Once the full disbursement is made, your EMI starts.

Disbursement

Money paid out to discharge a debt or an expense is called disbursement. It is the actual payout to the borrower of loan funds, in whole or part. If the payment is made fully at one go then it is referred to full disbursement. Here the lender gives the entire loan amount to the seller once the borrower completes all the formalities including document submission and payment of down payment. However if the lender gives the loan amount in stages then it is called partial disbursement. It is generally made when the borrowers buy a home that is under construction.
In some cases when the lender agrees to give out the full amount of the loan taken for a house that is still under construction, then this is known as advance disbursement. This is a facility that the lender provides when the borrower request him or he is fully convinced that the builder will complete the construction on time.

Credit appraisal
It is the process by which the lender assesses the credit worthiness of the borrower before sanctioning the loan. It revolves around a certain number of factors such as verification of borrower's savings, income, age, qualifications, nature of work, etc. Through this procedure the lender assures if the borrower is eligible for a loan and thereby decides on the loan amount to be sanctioned.

Pre approved property

A pre approved property is one where the builder gets a prior approval for his property from some home finance companies. This means that the lender will examine all legal documents of the builder along with its ability and track record to complete the construction in time. If the lender is convinced, the builder gets a stamp of approval. All this enable a quicker home loan if a buyer chooses to buy a home under the pr-approved property. However if the builder fails to complete the construction in time, the finance company is not liable to waive off any charges such as interest payment or installment amount.

These above mentioned terms may help you to analyze your home loan closely.

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Osama v/s Obama - The Real truth

2011-05-03T22:17:00.002+05:30

Despite the fact that Bin Laden’s corpse has almost undoubtedly been safely stored in a highly secure U.S. government morgue since at least 2002, the political grist to be enjoyed by an administration that has plummeted to the depths of unpopularity knows no bounds, which is why Obama victoriously proclaimed Osama’s “death ” during a speech last night almost as if the president himself had pulled the trigger.

The birther controversy and NATO’s indiscriminate murder of children in their pursuit of Colonel Gaddafi will now be swept under the rug and Obama can build his campaign for 2012 on the lie that he was the president who finally brought the evil boogeyman to justice.

Never mind the fact that numerous public officials went on the record to plainly state that Bin Laden has been dead for years and that the announcement of his demise was being kept back until the most politically expedient time.

As Kurt Nimmo and Alex Jones document, from FBI counterterrorism official Dale Watson, to former Secretary of State Madeleine Albright, to Pakistani icon Benazir Bhutto, to CFR members, to Pakistani President Pervez Musharraf, all voiced publicly what the evidence clearly indicated, which is that Bin Laden died in late 2001.

The fact that a deluge of provably fake video and audio tapes were released by an organization with direct ties to the Pentagon in the years that followed illustrated how the military-industrial complex was keen to prolong the Bin Laden boogeyman myth as a backdrop against which to launch their takeover of the middle east under the umbrella of the “war on terror”.

But don’t think for a minute that final “confirmation” of Osama’s death will mean an end to the “war on terror” and U.S. troops pulling out of Afghanistan, just as the capture of Saddam Hussein did absolutely nothing to speed a U.S. exit out of Iraq.

If anything, the announcement of Osama’s death will only lead to more warfare and bloodshed in the region. Whether genuine or contrived, terrorist retaliation plots are already in the works and when they are unleashed, the establishment will point to them as a justification for more air strikes, more invasions and more regime change plots disguised as humanitarian aid.

In life, Bin Laden’s propaganda value as an Emmanuel Goldstein hate figure was immense, but in death his usefulness to the US military-industrial complex will, for a time at least, only increase.

Feary Friday - When Tsunami stuck Japan

2011-03-12T21:31:00.000+05:30

Our friday's lunch took a different meaning when the we had a glance on the TV set while having lunch. The bold, bigger and scarier headlines that pounced on the TV screen referred to something which can easily be termed as one of the biggest tragedy of Century .. indeed two centuries.

Japan was crying ... it was the horrific earthquake measuring 8.9 on richer scale and followed by the destructible Tsunami that swept away the Homes, Cottages, vehicles, humans and everything that came its way. The sweeping waves of sea were looking more like the devil in Black veil with its open arms smearing for the innocence.

As the time grew past, the waves triggered more destruction by causing fire in fuels and blast in nuclear plant. As i write this, i can sense the nature is playing the same revenge game like the human did with it. There is mass destruction and the number of people who are dead are still countless.

Mercy God !!

Everybody says I'm Fine - Movie Review

2010-03-02T20:26:00.002+05:30

"The Best way to look around is to Look Within"

There are very few movies, and more so in the uniquely established "Desi" category, that emphatically touches the heart of the viewer with its Subtle yet strong story line. The story that is so close to all of us, but often left untouched, unheard and unearthed. Few expressions, that we just exhibit, do or understand, but deliberately fear for it to come it out wide in open.

'Everybody says I'm fine' is one such movie, where it not only explores what is being flashed by the higher strata of society, but rather, ventures into the exploring the inner complexities of exultant mind which tries harder each day to immerse its sordid tales of desperation under the crumbled sheet of Glory and Jubilance.

The story of the movie explores the life of Xen ( immaculately played by Rehaan Engineer) who loses his parents in a Electrocution accident, he sees them dying , but can't do anything except waving his hands helplessly from within the Sound proof chamber while the death plays its game on his parent. Thereafter his life becomes the see saw of Voices -- Or No Voices. He chooses to shut all those things that brings or reminds him of loud voices, music and so on.

But inspite of his distastefulness with the Voices, he gets bestowed with the Superior power .. The Power that let him read the minds of people, who come to him for the Hair Cut! There begins the intriguing tale of two faceted life of Upper class society which takes pride on its hollowed inner being.

I loved Rehaan Engineer, this Guy has talent and was looking just 'FAB' for his just perfectly timed decent smiles and Eloquent facial expressions. I fill my heart to acknowledge the new level of performance that has been set by Koel Puri. She was just Exemplary. Rahul boss is just a superlative act, as usual while Boman Irani was just like an Iron on a hotplate - Engrossing!! It was pleasing to see Pooja Bhatt as well casting herself as Upper middle class socialite.

This one is a masterpiece, keep the CD/DVD in close confines and protect it forever. You can't say, when you feel the itch to just switch it on again to know how well people around you say ..."They are Fine!".

Earthquake in Haiti - The Horrible disaster

2010-01-17T20:25:00.001+05:30

The Earth takes the deadliest penalty for its sincere silence from the Easy going humankind. The motherly earth this time showed the World that Earth is the blend of peace and fierceness that lies in its clutches. The year started with the Horrible disaster in the form of Catastrophic Earthquake on the Ritcher Scale of 7.0 Mw. in Haiti, very close to Port-Au-Prince, the capital on 12th January 2010.

It is estimated that the killer catastrophe has took around 5 Lacs lives and the bodies are still buried under the piles of Cement and deadly debris of Concrete. One can choose to see the Television screens all across the news channels, the Deadly dance of horrible death making the life come to an Unprecedented halt for the Several innocent lives in just a wink of the moment.

This is the time that we should pray for those innocent beings who have lost their lives in this mishap. Google has started the Haiti Earthquake Crisis Response wing where you can contribute for the welfare of the sufferers and survivors. We wish all the well being for the families that have lost their loved ones.

God Bless All.

Letter to Banta

2010-01-12T12:24:00.002+05:30

Dear Banta Vahe Guru !
I am in a well here and hoping you are in the same well there. I'm writing this letter slowly, because I know you cannot read fast.
We don't live where we did when you left home. Your dad read in the newspaper that most accidents happen 20 miles from home, so we moved 20 miles.
I wont be able to send the address as the last Sardar who stayed here took the house numbers with them for their new house so they would not have to change their address. Hopefully by next week we will be able to bring our earlier address plate here, so that our address will remain same too.
This place is really nice. It even has a washing machine, situated right above the commode. I'm not sure it works. Last week I put in 3 shirts, pulled the chain and haven't seen them since.
The weather here isn't too bad. It rained only twice last week. The first time it rained for 3 days and second time for 4 days.
The coat you wanted me to send you, your Aunt said it would be a little too heavy to send in the mail with all the metal buttons, so we cut them off and put them in the pocket.
Your father has another job. He has 500 men under him. He is cutting the grass at the cemetery.
By the way I took Bahu to our club's poolside. The manager is really badmash. He told her that two-piece swimming suit is not allowed in this club. We were confused as to which piece should we remove?
Your sister had a baby this morning. I haven't found out whether it is a girl or a boy, so I don't know whether you are an Aunt or Uncle.
Your uncle, Jetinder fell in a nearby well. Some men tried to pull him out, but he fought them off bravely and drowned. We cremated him and he burned for three days.
Your best friend, Balwinder, is no more. He died trying to fulfill his father's last wishes. His father had wished to be buried at sea after he died. And your friend died while in the process of digging a grave for his father.
There isn't much more news this time. Nothing much has happened.
P.S: Beta, I was going to send you some money but by the time I realized, I had already sealed off this letter.

The New Year

2010-01-11T14:02:00.002+05:30

First of All, I Wish those who read my blog ... and to Those who makes others Read My Blog .. A Very Happy New Year 2010
The year 2009 went into the treasury of the past and left the too many precious and magnifed memories for us. We strived and shivered hard fearing the Global Economy meltdown, which eventually didn't bothered us too much thankfully. But the year, made the Economy come out like a winner from the Darkness of the Late 2008.

But indeed, apart from discussing about the precarious economic situation, which you could have found in any Big Economic newspaper, let me find chance to come to the more meaningful things that took place in the last year.

Well, i celebrated the first anniversary (grr. .. that's not a news though .. every year i have to do that, just the counter will be moving forward!). We just enjoyed the second stint at the Air journey into Goa - A happening place i must say!

Besides that ... the life was a usual machine ... lots of work, parties and Enjoyment!! But sitting here on the outset of the new Year, the mind revolves around the desperations and aspirations that are pre-written before the start of each day .. and appear like a Stamped Postcard. Every day has the meaning, and to justify that .. is the Effort of each day.

I welcome the new year with the Equal Zeal and Enthusiasm. May this new year bring the prosperity for my family and friends.

Chetan Bhagat & His family ...

2009-12-30T22:14:00.002+05:30

Here is the Great Novelist in the Indian History ...

Design Makeover in the Offing?

2009-12-26T16:04:00.002+05:30

Off-late, i have been in the process of thinking ... Thinking hard indeed. And this thoughtful bug is not related to how to cripple my boss for work :) but i have been pondering over the thoughts of giving this Blog an Image Makeover.

These days i am working hard to strategize the new Design of my blog, and if everything goes well as per the plan, i will be Launching the new Design next year, by the Month of February.
Whatever i does to my blog, gives me immense satisfaction, and i hope, this time as well .. i will groom the blog to perfection.

Do keep your eye-lids open, something more attractive and creamy coming through.

The pay per host innovative idea !! - Post and Earn!

2009-12-26T09:44:00.003+05:30

The beautiful and innovative service has been in operation on my blog. Now i can say with reasonable boastness ....

How will a pulp result?

Yeah! This was the text that was sent to me for activation. So i am just beginning to get the hold of Advertisement and sponsors coming and hitting the deck on my blog. Let me see how much can i earn out of this stuff

PAA - A Unique Story ..

2009-11-06T17:15:00.004+05:30

Amitabh plays a role in which he has a medical condition called Progeria, a rare genetic condition resulting in early aging. In this movie Bachan plays Auro a 13 year old looking like a 25 years younger because of his medical condition in the movie.

Paa features Abhishek, Vidya Balan along with Big B. Here Abhishek plays the role of DAD to Amitabh bacchan.

This movie might be an introduction of some innovative thinking in the bollywood which has now been in the saturation stage of Mushy Romance and Lovely songs.

It's been said that AB has put in 8 hours of Strenous efforts to look like a Child. Well done AB!! Abhishek must learn something from his PAA :)

Google Dashboard - Google knows Everything about you !

2009-11-06T16:59:00.005+05:30

I found the following article at ZDNET which explains about the Google's Privacy Dashboard. This article covers about the main features which enables the users to see all their Google information including chatting, search preferences and surfing routine using this application.

The more Google products you use, the more data it collects about everything you do online—your search history, your emails, the blogs and news sites you read, which videos you watch on YouTube, your news alerts, tasks ,and even shopping lists. For some of these, you need to explicitly grant Google permission to keep track of data associated with your profile. But it’s hard to keep up with everything Google is tracking. So now the company is launching a Google Dashboard, which will give you a high-level summary of everything Google knows about you by virtue of the Google products you use. This might include how many emails are in your inbox, recent subject lines, which YouTube video you’ve watched lately (yes, all of them), appointments on your calendar, and more.
If you want more detailed data, it sends you to the particular data repository for that product. And for security purposes it does not create a second database of all the data, it just brings it up in your browser without restoring it server-side.

The Dashboard is only for Google products which require you to sign in with your Google account. It does not include cookie-based data Google collects through DoubleClick ads or other ads.

Windows 7 - The Re-Emergence from the Bewilderness

2009-10-29T20:20:00.002+05:30

By the End of the October 2009, Microsoft has launched the most awaited version of Windows - Windows 7. And this time, the wait was from the Other side, it was not the consumers (who were particularly still busy in trying establishing the Nuts and Bolts of Windows Vista - The Earlier version of Windows. So it was ideally the Developers and Microsoft Inc. which was eager to launch the new version on Board.

Around 22nd October 2009, Microsoft launched the Polished and Eloquent version of their Windows with usual Fanfare and glitters. Hoarding, leaflets and heavy promotion everywhere. Now, i am in the quest to try the so Called rescuer of pain and Re-Structuring of the ease, may the best of time comes when the world will get used to the next Revolution in Windows Operating System. The Convergence is still ON !

Mission 100

2009-10-24T10:21:00.002+05:30

When you claim yourself to be "A Writer" before this innocent world, and you boast like anything, there should be a decent figure of number of blog posts that must accompany you along to support your funny claims.

Recently, i was amazed to know that it was only 40+ blog postings i did till date during this year. That is very low considering the way i promote the purpose of writing and inside-out feelings that i spread like bird's wings. The blog has surely added contentment and a purpose of my writing. It added the creativity in the way i express and keep my point, but still boasting on such a "44" count does not necessarily serve the viewing pleasure of any of the reader.

I have thus, planned to make the count to 100 by the time this year Finishes! I wish to conver everything i had left in the haze of my marriage and the life after that. Though, no plans of past posting as i do not find it very fair.

So , lets calculate this post as a Pledge, a Swear, a Determination ... And bring it to 100

The Ducklings and Hairdryer

2009-10-24T09:46:00.002+05:30

Seeing this, i just thought that it's a best bet to take the Hairdryer along on my next Beach Vacation!!

The Master Plan ..

2009-10-24T09:41:00.002+05:30

The funny Comics ...

Enroute to Great Personality

2009-10-19T19:34:00.006+05:30

MindTools - Website Review

Just while seeking to implant good communication skills and proactive writing habbits(more so on this blog), i stumbled upon a great site. This site has lots of articles related to various tips and tricks related to building a better personality.

I was impressed with the look and feel and the simplicity with which the various articles are categorized into the easily navigable sections that provides the lucid browsing experience.

Just to get a taste of strengh of the article's inevitable vocabulary, i just jumped into one of the Reasonably Titled article "Making a Great First Impression". The article first was initiated with the brief overview and then moved to explain each imperative topic in graceful point by point manner.

The reader thus does not feel the burden of being imparted the complete theseis and theory. One can understand by just reading the outline and may follow the article in depth if liked by him.

In all, i would definitely recommend the reading freaks like me to "have a Go" at least once on this Site..

Happy Browsing ...

Akkal Badi ya Bhains ...?

2009-10-13T22:23:00.003+05:30

Lenovo Pocket Laptop - The cool thing!

2009-09-28T22:55:00.002+05:30

Just check out the Coolest laptop from Lenovo which brings substance and elegance into the mobile computing.

Love Aaj Kal

2009-09-28T22:52:00.003+05:30

Dusherra .. End of An Evil Spirit or Just Another Great Holiday

2009-09-28T22:37:00.006+05:30

The festival of Vijay Ashtami or as popularly known as Dussherra brought the joy, happiness and Holiday to all. Those who understands the meaning of observing this festival really knows the imperativeness of celebrating but for others, its just a Holiday to pass the time.

This Dussherra sadly, i did the same. I just passed the time watching here and there . From one nook of our lane to another corner of it for various effigies.

I felt lucky enough to know that we belong to few colonies wherein the celebration of dusherra was so extravagant that people from extreme south and north end of the city ventured here to have a glimpse of the brightness of the occassion.

PVR mobile ticketing application

2009-09-28T08:47:00.002+05:30

PVR has its largest chain of cinema halls all over India. PVR has introduced a new way for booking tickets. PVR Mobile ticketing application has been developed by Tagit. It provides us with an easy way of booking tickets from mobile provided GPRS is enabled in the phone.

Download the application by sending the follwing SMS:

Send PVR to 53030 from your mobile. You will receive the download link. Click on that link to download the application. Install the application.

You can book tickets in any PVR halls in India. The mode of payment is credit card. There are additional charges applied for booking tickets. Once you are through with the ticket booking, you will receive a SMS with booking code in the mobile. You are supposed to show the SMS in the box office while collecting ticket.

Partying the Nuts off !

2009-09-27T12:49:00.003+05:30

Last week, after a long long and longer time, we celebrated the party. After so much head mugging with all the participants, we finally drove into finalizing the date and venue of the party.

The get together(what we officially have English synonym for "Daaru party") was arranged in cool ambience of Rooftop at Gravity Restaurant, Noida . The beautiful ambience of chairs and tables lined up in perfect arrangement mused everyone to drink and drab harder. But let me first clarify, before my wife get a chance to read and misunderstood my swere of not drinking "Alcohol" -- I only drank "Mocktail" Zapatta [See, i remember the Name as well !].

The chicken platters, wings, and what not came in abundance and we had thoroughly stuffed ourselves for the next day as well ... (at least for the next Morning at least ;-)

We started back for our homes early but it was a day of abundance of joy and niceties. Will definitely be looking ahead for more such parties.

Make money With Web Directory

2009-09-15T09:30:00.001+05:30

Recently, i got to read a good article from Abhishek Deshpande's blog. The blog is about "Making good money from Web Directories."
Must Check out this at..
http://www.whoisabhi.com/2009/03/make-money-with-web-directory/