Why I hate sachin Tendulkar?

Everytime the day starts off with the dazzling smile when I dream about sachin..He is the guy who made the whole nation stand on their feet.There are reasons to hate him...These are some to the person who lived her last 21 years in loving him...

1. He always plays a brilliant innings before my exam and hence doesn’t let me study. 

2. Every time that I think of becoming an atheist, he gets into the nineties and I have no choice but to pray.

3. Every time I take a resolution not to bite my nails, he gets into the nineties and I am left with no choice but to chew on my nails.

4. He costs way too much on ‘super selector’ but since I have to pick him, the rest of my team gets weakened.

5. During a match, invariably when I want to go to the bathroom, he hits a boundary and hence I have no choice but to sit and watch the replay. Even my father/friends wont allow me to change the sit when Sachin is batting. No one cares about my agony.

6. As soon as I convince myself that God does not exist, he plays a straight drive and proves me wrong.

7. He brings the whole country to a standstill whenever he bats.

8. And the last and the biggest reason why I hate Sachin Ramesh Tendulkar … He is going to retire sometime in the future .. A slightest thought about his retirement brings tears in my eyes .. When he will retire, I feel that my life will come to a complete standstill .. How will I live without watching him on the field, without seeing him scoring tons and tons of runs, without hearing his baby voice .. Uffff , why Sachin why ?? .. Why were you born In India and why did you play cricket ?? .. I just love you so much that we cant see you going ..

As they say, commit all your crime when Sachin is batting, coz even GOD is watching his batting. That he can feel more pain than the youngest team member and the oldest fan, is a fact that deserves a story by itself. But for me, that is enough to forget my pain and stand in unreserved applause for the man who makes me feel more Indian than any other. So true !! Hats off to the master !!

How my handwriting has changed since Kindergarten

 

 

Girls never feel sorry

Girls Never Feel Sorry

Making your crores

You are well paid, well off, have a good lifestyle. But can you afford to stop working? If your answer is 'No', then you are just financially stable - as long as you get your monthly cheque - but far from being financially independent. You're also not alone - a large number of people retire without being financially independent.

Financial independence is a state where you are free from all liabilities and have created sufficient wealth that can generate a constant stream of income that allows you to maintain your lifestyle without having to work them. Getting there requires meticulous planning and disciplined investment.

It also means revisiting your portfolio and investment strategy to ensure that your plan is not getting derailed by external factors like market forces and interest rate variables. Swatantra Kumar, 33, who works with a multinational firm in New Delhi, is a perfect example of a man moving towards attaining financial independence. Married to Shelly who also works, Kumar feels that he would need Rs 75 lakh for his three-year-old son, Lakshit's higher education, marriage and their own retirement. Swatantra invests Rs 24,000 per month in a disciplined manner in mutual funds, Public Provident Fund and National Savings Certificate to meet these goals.

To be financially independent you need just six simple steps - finding out how much money you have today, knowing how much you need for tomorrow, getting adequate life cover (through a pure term plan only, do not buy any other insurance product), investing the surplus as per your risk taking ability, and writing a Will.

Home buying tops the priority list of all individuals and also is one of the most important asset that one builds. Also, with the availability of loan, which offers tax benefits, it becomes more beneficial.

While experts advise not to take loan for a depreciating asset, they say that individuals should careful while taking a home loan and not over-leverage in a bid to build the asset.

"One should not stretch to buy the house, buy only when the income is sufficient to support the purchase and keep headroom to meet increase in EMI (equated monthly installment)," said Amar Pandit, a Mumbai-based financial planner. The EMI should be such that it offers room for saving. "Ensure that you save 10-30 per cent of your income after you have paid your EMIs as it will act as a cushion in rainy days and you will be able to pay the EMI from the corpus built," said Lovaii Navlakhi, managing director of the Bengaluru-based financial planning firm International Money Matters.

Once basic needs are covered, it is time to plan for wealth creation. Simple projections show that you do not need millions to make millions. All you need to do is begin investing - and begin early. An investment of Rs 5,000 per month started at age 25 can become Rs 1.6 crore by the age of 50 if invested in an instrument that returns an annual rate of 15 per cent.

"While equity and debt investment will differ individually, as a thumb rule one can allocate 100 minus your age in equity and the rest in debt," said Surya Bhatia, principal consultant at the Delhi-based financial planning firm, Asset Managers. "Gold can also form a part and one can invest 5-10 per cent in it."

Your old PC: Win-Win Situation

Thanks to Windows 7, a lot of people have purchased new computers or are
planning to. And that leaves them with one of life's more pleasant problems:
what to do with the old machine.

With prices for used computers so low, reselling an older PC is often more
trouble than its worth, and you can actually get more value out of your old
machine by keeping it and using it for another purpose. Here are some ideas to
get you started.

 
1. Data Backup Machine: If your old computer is a desktop with a
       decent amount of storage or the capability to hold more storage (hard
       drives) than it currently has, it's a good candidate for duty as a Windows
       Home Server.
    
       Buy an OEM copy of Windows Home Server on a site like Newegg, install it on
       your old machine, hook the computer up to your in-home network, and you'll
       never again have to be embarrassed when someone asks you whether you back up
       your data. The answer will be 'yes, every night.'
 
2. Test Bed: How many times have you installed an application -
       only to regret it later when it causes your computer to become slower or,
       even worse, to crash?
    
       Put your old computer to use as a 'test' machine, and you can say
       goodbye to nightmare installations of new software. Install them first on
       the old machine and see how they work, then you can decide to install them
       on your main machine or to just forget the whole affair.
 
3. Test another Flavor: Windows isn't the only operating system out
       there. In fact, many would argue that a lot of the action these days is in OpenSource
       Operating Systems. What better way to test all of this out than on an
       old machine?
    
       The Ubuntu operating system (http://www.ubuntu.com/GetUbuntu/download) is
       the hands-down favourite among those who want to get their first exposure to
       Linux- based computing.
    
       Ubuntu is easy to install, as it recognises plenty of hardware
       automatically, just as Windows does. Once installed, you'll feel pretty much
       at home if you're familiar with Windows, since Ubuntu follows many of the
       interface conventions to which Windows users are accustomed.
 
4. Gaming Zone: If you're into computer games, you already know that multi-player
       action is where the fun begins. But without multiple computers in your
       house, there's no multi-player action. A spare computer clears up that
       problem.
    
       If you're not a gamer but you've always wondered how much fun it would be to
       play multiplayer games (lots), then put that old machine to work on your
       game of choice.
 
5. Dismantle It: When you hear people talk about hard drives,
       memory, video cards, or motherboards, do you secretly want to run away? Lose
       the fear by taking your old PC apart and seeing what's in it. A Philips-head
       screwdriver is pretty much the only tool you'll need.
    
       Find a tutorial online that helps you identify the parts you see
       inside of your computer, and you'll no longer be at a loss to understand how
       hard drives, graphics cards, memory, and other components are attached.
    
       Plus, when you need to replace or upgrade one of these parts in the future,
       you'll have a clue about how to do it yourself.
 
6. Donate It: Your old computer might not be up to the
       task of running Windows 7, but there are people who won't care and will be
       happy to take it.
    
       Start by surveying members of your family. If your old computer is a
       notebook, chances are good that someone in your clan will love it, even if
       Windows XP Home is the only thing it can run with any degree of success.
    
       If your old computer is a desktop, perhaps a member of your family who needs
       a computer primarily to surf the web or play the occasional game of
       solitaire will be just thrilled to have it. Check around. It's probably
       worth more in good feelings of being generous than any resale would be.

It's always a "Win-Win" situation for you. So don't panic,
enjoy this.

Identify and deal with backstabbers at work

Backstabbing at workplace certainly devastates individuals, especially when a person doesn't know ho to deal with it. Now, career guru Kepcher has offered some advice on how to identify and cope with backstabbers at workplace.

Credit Stealer
Seemingly helpful team player who will enthusiastically support your suggestions and work to make the project a big success - particularly because she intends to take credit.
This will include magnifying her own role, using personal pronouns such as 'I' and 'me' as substitutes for "we" whenever possible.
The Chameleon
He, too, will appear to be a helpful team player, offering encouragement and support in private.
However, the chameleon will launch into his command performance whenever bosses are present and criticize ideas he supported some time back, including subtly accusing his peers of failing to notice the problems.
His every move is an effort to make himself look good - by making others look bad.
Backstabber In Chief
Occasionally, the Backstabber will also be the boss. Sigourney Weaver nailed this role in the movie "Working Girl."
The most encouraging boss imaginable will steal the assistant's potentially career-making idea.
How to handle all kinds of backstabbers at your office, by Kepcher, reports the New York Daily News:
Stay calm. Do not let them make you emotional and defensive.
Don't wander through the jungle alone. Beware of private conversations that can be misquoted later. Use e-mail and group meetings to document your contributions.
Be polite, but persistent. Learn to say no.
Use direct phrases such as, "I'm perplexed you have so many negative comments about our idea since you were so supportive when we spoke privately yesterday. Is there a reason you didn't bring up your concerns until now?"
By being direct and careful, you can help push the Backstabber species in your workplace to extinction as quickly as possible.

Bill Gates forays into rural Bihar

A day after his tryst with Amethi in Uttar Pradesh, Microsoft co- founder Bill Gates got a feel of rural Bihar before he signed a memorandum of cooperation for better healthcare with the state government.

Gates took a ride in a country boat, sat on a charpoy with villagers and walked through the dusty lanes of two underdeveloped hamlets to assess the progress of the health-related programmes-including the pulse polio drive - in the state.
Gates visited Guleria and Tateria villages of Banka district where he talked to women of self-help groups and others to understand their problems.
Gates and his entourage hopped on to the country boat after alighting from a chopper in Khagaria. He lent a patient ear to all the villagers who had huddled around him and enquired about their lifestyle.
According to officials, no resident of Guleria has passed even the matriculation examination and the village does not have any school. Worse, it is considered to be vulnerable to polio.
Gates met health workers and discussed the strategy to combat polio with sustained immunisation drives and effective surveillance programmes.
Gates said he enjoyed his visit to the villages though it was very hot. He added that he was impressed with the progress that the government had made in healthcare.
The Gates Foundation will provide technical and financial support to the state government in its health campaign.
It also seeks to improve the delivery of timely diagnosis and appropriate care for tuberculosis, pneumonia and diarrhoea.
At the outset, such programmes will be initiated in eight districts - Patna, Gopalganj, Begusarai, Samastipur, Khagaria, Saharsa, and East and West Champaran.
Thanking Gates for visiting Bihar, chief minister Nitish Kumar said the state government's partnership with his foundation would go a long way in bringing about a positive change in the health sector.