Wednesday, June 10, 2009

MUST READ HINDUSTAN...HAMARI...PEHCHAAN

AN AMERICAN VISITED INDIA AND WENT BACK TO AMERICA





WHERE HE MET HIS INDIAN FRIEND WHO ASKED HIM




HOW DID U FIND MY COUNTRY



THE AMERICAN SAID IT IS A GREAT COUNTRY




WITH SOLID ANCIENT HISTORY

AND IMMENSELY RICH WITH NATURAL RESOURCES..

THE INDIAN FRIEND THEN ASKED


HOW DID U FIND INDIANS??



INDIANS??


WHO INDIANS??


I DIDNT FIND OR MET A SINGLE INDIAN


THERE IN INDIA.



WHAT NONSENSE??


WHO ELSE COULD U MET IN INDIA THEN??




THE AMERICAN SAID



IN KASHMIR I MET A KASHMIRI


IN PUNJAB A PANJABI


IN BIHAR,MAHARASTRA, RAJASTHAN, BENGAL,TAMILNADU,KERALA


BIHARI,MARATHI, MARWADI, BENGALI,TAMILIAN, MALAYALI



THEN I MET


A MUSLIM,


A HINDU


A CHRISTIAN,


A JAIN,


A BUDDHIST



AND MANY MANY MANY MORE



BUT NOT A SINGLE INDIAN DID I MEET




THINK HOW SERIOUS THIS JOKE IS



THE DAY WOULD NOT BE FAR OFF WHEN INDEED WE WOULD


BECOME A COLLECTION OF NATION STATES AS SOME


REGIONAL ANTI-NATIONAL POLITICIANS WANT ....



FIGHT BACK -



ALWAYS SAY I AM INDIAN


JAI HIND

To make a woman happy, a man only needs to be



WOMAN ARE SO SIMPLE!!!

AGREE???

To make a woman happy, a man only needs to be:
1. A friend

2. A companion

3. A lover

4. A brother

5. A father

6. A master

7. A chef

8. An electrician

9.. A carpenter

10. A plumber

11. A mechanic

12.. A decorator

13. A stylist

16. A psychologist

17. A pest exterminator

18. A psychiatrist

19. A healer

20. A good listener

21. An organizer

22. A good father

23. Very clean

24. Sympathetic

25. Athletic

26. Warm

27. Attentive

28. Gallant

29. Intelligent

30. Funny

31. Creative

32. Tender

33. Strong

34. Understanding

35. Tolerant

36. Prudent

37. Ambitious

38. Capable

39. Courageous

40. Determined

41. True

42. Dependable

43. Passionate

WITHOUT FORGETTING TO:

44. Give her compliments regularly

45. Love shopping

46.. be honest

47. be very rich

48. Not stress her out

49. Not look at other girls

AND AT THE SAME TIME, YOU MUST ALSO:

50. Give her lots of attention, but expect little yourself

51. Give her lots of time, especially time for herself

52. Give her lots of space, never worrying about where she goes

IT IS VERY IMPORTANT:

53. To never forget:

Birthdays

Anniversaries

Arrangements she makes


& HOW TO MAKE A MAN HAPPY:

1. Leave him alone

.

__,_._,___


100% -- Good One


A simple & meaningful message.....


A Small Stor y


A boy and a girl were playing together. The boy had a collection of marbles. The girl had some sweets with her. The boy told the girl that he will give her all his marbles in exchange for her sweets. The girl agreed .


The boy kept the biggest and the most beautiful marble aside and gave the rest to the girl. The girl gave him all her sweets as she had promised .


That night, the girl slept peacefully. But the boy couldn't sleep as he kept wondering if the girl had hidden some sweets from him the way he had hidden his best marble .


Moral of the story: If you don't give your hundred percent in a relationship, you'll always keep doubting if the other person has given his/her hundred percent.. This is applicable for any relationship. Give your hundred percent to everything you do and sleep peacefully .


"GOOD ADVICE IS PRICELESS; IF NOT FOLLOWED, IT IS WORTHLESS."


HAVE A BLESSED DAY!


Smart Investing.....Ignore Ulips & Dual Schemes (Insurance + Investment)

Time is money, goes the saying, which holds true in almost all aspects of life. But, it is more so in case of savings. If you start saving early, by the time you retire, you will have enough money to lead a prosperous retired life.

In fact, when you start saving early, your saved amount get a longer time to earn returns. This makes a lot of difference.

Take for example, if you start savings at the age of 25-year, or just at the time when you get your first salary, your savings of Rs 5000 per month at a conservative return of 10% per annum will swell to Rs 1.91 crore in 35 years or by the time you retire at the age of 60 year

But, if you start savings late, say, at the age of 30-year, your saving of Rs 5000 per month will become only Rs 1.14 crore.

If you start at the age of 35 year, the same savings will become only Rs 67 lakh. Not only this, at the age of 35 years, even if you start savings double the amount i.e. Rs 10,000 per month, by the time of retirement, the amount will become only Rs 1.34 crore.

This is called power of compounding. At the rate of 10%, a savings of Rs 5,000 per month becomes Rs 3,90,412 after 5 years.

That means, by then your saved amount will earn around Rs 39,000 per annum, which is around 65% of the amount that you are savings.

In 10 years, your savings swell to Rs 10,32,760, whose earnings itself will be more than 1.7 times of your monthly savings. That means, by the age of 35 year, your savings will earn more than your monthly savings.

After 25 years, your savings becomes Rs 67 lakh and contribute Rs 6.70 lakh in your net net saved amount every year thereafter, which is more than 11 times of your savings. So, if you will give more time to grow your money, more you will be benefited.

The other factor, which will decide your maturity amount, is the rate of return your money will earn. However, if you start savings early, that means, you are planning to do it for long term, you can think of investing in equities through unit linked savings schemes of insurance companies, or through mutual funds.

the long term, Indian economy is likely to grow at 7% to 8% per annum. In nominal term at an inflation rate of 5%, this will translate to a growth rate of 12% to 13%.

If it is so, the good companies should also manage to grow at around the same rate or two to three percentage points more than that in a longer horizon of 10 years to 15 years.

However, there could be some churn in between, which fund manager should be able to track and can give you a return of around 12% in the long term. The another positive aspect of investing in equity is that it is tax-free, which also help increase your return.

However, if you invest in debt funds, your return will be in the range of 9%, which will be reduced to around 6.7% post tax.