How To Choose best investment method?

Following principles will give you clear idea about investment.

1. Get Informed.

            Try to learn about all investment options. There are so many investment options available in market.

• Stock Market: High return + High risk + Good amount of time to be spent.
• Dept market: Low risk + Low return + Less no of attention is enough.
• Cash Market: 0% risk + Very low return + Don't need even to see what happened to the investment.

 Choose which will suit for you.

2. Get Clarity:

          Plan before making investment. Decide yourself

• What for you are going to invest? (For House, For children education, For retirement period)
• How long could you continue this investment?
• When will you require to get your money back from investment?

If your investment is short term( below 5 years), choose dept market. If your investment is long term, choose stock market.

3. Get Wise:

              Yesterday's success will not be continuing tomorrow. Luck has not born with you. So do not expect the same return what your neighbor got from any of the investment scheme.

            Study yourself about all the investment options and decide yourself which will be best.

4.Get Systematic:

             Instead of investing bulk amount into one scheme, if you invest small amount every month systematically, You will be getting good return out of that.

 5. Get Disciplined:

             If you choose systematic investment, you should be very discipline on that system. Every month your first expense should be your investment.

6. Get Started:

             Do not wait for tomorrow, Start today itself. Best of luck.....

How To Dress For An Interview?

                       You finally got the interview for your dream job, but what should you wear? Unless it’s a job in the fashion industry, you won’t get hired for dressing well. What’s important is to seamlessly blend with your interviewer’s expectations for your appearance, so they can focus on what they say and who you are.

Steps

• Be formal (no matter what the regular dress code is at the job). The only exceptions to this are if you are interviewing somewhere that they tell you specifically what to wear for your own safety (such as at a factory). For most interviews, a suit is the appropriate attire. A blue suit works the best and it gives you a lot of versatility in terms of shirt and tie choice. Light or dark grey are also good conservative choices. A three button suit will look good on almost anyone, while a 2 button will give a slightly taller/slimmer appearance.
   
• Choose a solid white or blue shirt. You don’t want to look too flashy with a brightly colored shirt, and striped (and especially patterned) shirts are a little less formal. A straight collar is also more formal than a button down. Choose one with a medium spread. (If you have a particularly large neck, a wider collar may look better.)
   
• Wear a tie in a dark, conservative color (never pink). Stick to solids, rep (diagonal striped) or small patterned ties. A red tie will give the friendly politician look, while blue ties give a more serious FBI agent look. Both are acceptable.
• Wear a belt or suspenders, but never both at the same time. It’s redundant. If you’re a suspenders kind of guy, get buttons sewed into your trousers and wear suspenders that button on, not the cheap clip-on kind. They will make you look cheap.
• Show off your shoes. A pair of black oxfords or cap-toed oxfords is the best choice. Get ones that don’t have super thick soles so they won’t look like boots.
   
• Wear solid, vertically ribbed socks in black or grey. Get socks that are long enough to cover your legs when you sit down in your suit. Socks should always match the color of your trousers.

Tips

• A nice watch rounds out the outfit. You don’t have to spend a fortune on a Tag Heuer. Fossil and Timex make nice enough looking watches that can fool almost anyone.

• If you are lucky enough to be asked for a second interview, simply changing the shirt and tie combination can give the look of a whole new outfit, even if you don’t have another suit.

• Remember to turn off your cell phone before you go.

• Although it seems counterintuitive to wear another layer, putting on an undershirt will keep sweat from getting on your dress shirt and showing exactly how nervous you really are. The bonus is that your white shirt will look whiter with a white undershirt. Choose a white short-sleeved tee in favor of an athletic undershirt.

• Make sure your dress shirts’ tails are long enough that they stay tucked in. Refresh your tuck right before the interview in the nearest restroom: unzip your fly and reach in to pull the front tail downwards, to align the placket with your trouser hitch and belt buckle.

• Wear unscented deodorant and no cologne

Warnings

• It is imperative that your clothes are clean and pressed. If you never iron your clothes, iron just this once for your interview. You could also drop your clothes off at the dry cleaners.

• Some dress shoes can be slippery, and literally falling on your face is not the impression you want to make. Look for shoes with rubber inserts for traction.

• Also make sure your shoes are shined and the heels aren’t worn down. If the heels are worn down, you can have them repaired at a cobbler.

• Don’t get a watch that beeps. Don’t ever wear a digital watch.

• Some of the more technical organizations you may interview with have a “we don’t hire suits” custom. Check beforehand with the firm’s HR contact to inquire about this.

How To Access Blocked sites?

9 Alternative Ways To Access Blocked Sites

Is your school, college or office blocking you from getting on social network sites like Friendster, Facebook, Myspace, Bebo, Hi5, Orkut, etc? Here’s few ways you can bypass the restrictions and surf like normal, but please check with your local authorities before using them. We will not held any responsibility if you’ve breach the regulations of any.

1.Using IP Instead of URL

This depends on the software/application used. Sometimes blocked sites are stored as a list of URLs (eg. www.yahoo.com, www.donwload.com,etc) and typing the IP instead of the URL might sometimes work. In a local computer, doing a ping domain.com command in Command Prompt (Mac users use Terminal) will return you the IP address. You can also do it online via www.whatsmyip.org

2.Redirection with Short URL service

Sometimes the URL you intend to browse might be ban, but converting them to another a shorter URL with short URL services might just help you to bypass the settings.

3.Google Cache

Search engines like Google and Yahoo cache webpages and these cached pages are stored in search engines themselves, which likely will be added to the blocked list. Click on the ‘cache’ will bring you to a cache version of the page, as updated as how Google caches it.

4.Internet Archive – Wayback Machine

Wayback Machine is a internet service that periodically keeps a copy of almost all websites in the Internet way from the date they’re started. Clicking on the latest copy of what Wayback Machine have should be somewhat similar to the real site. Another way to access blocked sites via caches.

5.Anonymous Surfing

Some site allows you to take advantage of their proxy or domain to surf other sites as anonymous. Here’s 90+ proxy websites we’ve previously mentioned.

6.Use Proxy in Browsers

There are tons of sites out there that distributes free proxies of almost any country. Here’s an example. Check out the following methods on how/where to insert proxies in your web browsers.

Proxy Surfing – Firefox

Under Advanced tab, select Network tab, then click inside Connection Settings. Select Manual proxy configuration, put proxy under HTTP proxy.

7.Bypass with Translations services

Online translation services like AltaVista BabelFish, Google Translate allows you to translate a website from one language to another and display the translated results on their own page.The trick here is to enter the URL (website you’re blocked), retranslate it even if you don’t need to and let Google or AltaVista fetch you the content.

8.Subscribe to RSS Feed

This might not work for all sites, but if the site you intended to visit provides RSS feeds, you can subscribe and read it with a RSS reader, or have it regularly send the contents to your email

9.Retrieve web pages via Email

Web2Mail is a free service that sends websites you want to read right into your inbox. All you need to do is send an email to www@web2mail.com with the URL as subject title.

What is IPO?

IPO or Initial Public Offer is a way for a company to raise money from investors for its future projects and get listed to Stock Exchange. Or An Initial Public Offer (IPO) is the selling of securities to the public in the primary stock market.

Company raising money through IPO is also called as company ‘going public'.

From an investor point of view, IPO gives a chance to buy shares of a company, directly from the company at the price of their choice (In book build IPO's). Many a times there is a big difference between the price at which companies decides for its shares and the price on which investor are willing to buy share and that gives a good listing gain for shares allocated to the investor in IPO.

From a company prospective, IPO help them to identify their real value which is decided by millions of investor once their shares are listed in stock exchanges. IPO's also provide funds for their future growth or for paying their previous borrowings.

For more answers regarding IPO click the link below

http://question-and-answer.blogspot.com/search/label/IPO

How To Apply For Pancard?

As per RBI regulations, for all money related transactions, you need PAN (Permanent Account Number). PAN is not necessary only for Business people and Tax payers but also necessary for all the Indian citizens. You could hear that one father at Udher Pradesh state has registered PAN for his 3 years old child which shows the importance of PAN for everyone. Here various types applications have been given. select the one which will suit for you.
New PAN:
This form should be used when the applicant has never applied for a PAN or does not have PAN allotted to him. An applicant can visit Income Tax Department (ITD) website to find whether a PAN has been allotted to him or not.

Reprint of PAN card:
This application should be used when PAN has already been allotted to the applicant but applicant requires a PAN card. A new PAN card bearing the same PAN is issued to applicant. While filling this form, applicant should not select any of the check boxes on the left margin of the form. However, the check box for Item no. 7. Address for communication will be selected by default as this address will be updated in the records of ITD.
Transaction Status Inquiry:
This facility can be used if you have made the payment for the online application through Credit Card / Debit Card. Using this feature, you can:

1. track the status of your application by mentioning the 12 digit transaction number which is displayed on screen at the time of application.
2. change the mode of payment to Cheque or Demand Draft, if the payment through credit card / debit card has been unsuccessful.
3. regenerate & print the acknowledgement receipt within 30 days of the date of online application.

Change or Correction on PAN details:
This application should be used when PAN has already been allotted to the applicant, but when data associated with the PAN (e.g. name of applicant / father's name / date of birth / address) is required to be updated in records of ITD. A new PAN card bearing the same PAN but updated information is issued to applicant. While filling this form, applicant should select the relevant check box on the left margin of the form. The check box for Item no. 7. Address for communication will be selected by default as this address will be updated in the records of ITD.
It is required that any change in the information provided to ITD at the time of making application for allotment of PAN, should be intimated to ITD by way of filing this form.
Status Track for PAN application :
You can track the status of your application for new PAN / reprint of PAN card / Changes or Correction in PAN details using the 15 digit unique Acknowledgment Number after three days of application using this facility.

How To Apply For Passport?

1. Get the Passport Application Form: One can apply for Passport through Online Registration, (after doing online registration, get print outs of the application form) click here for details regarding on line registration. Apart from this, applicant can submit directly in the respective passport office/ DPCs/Speed post centers, get the relevant application form from here.

2. How to fill the Form: The Passport Application Form is Machine Readable. Please follow the instructions as follows:

• Use capital letters only. Particulars given in the form will be printed in the passport. Therefore, please be careful in filling up the form and avoid any mistakes.
• Use black/blue ball pen only
• Do not fill the form with pencils or ink-pen.
• While filling up the boxes, kindly leave one box blank after each completed word.
• Write clearly within the box without touching the boundaries.
• Adjust the information to fit within the number of given boxes.
• Do not write anything outside the box.  Avoid over-writing
• Incomplete application will not be accepted.

Column wise Guidelines for filling the application form can be had from here.

Note:   All original documents are to be shown at the time of submission of the passport application form. With the Original Passport Application Form, self-attested copies of all required documents need to be attached. Illiterate applicants should put only thumb impression in the box meant for thumb impression/signature. In case an applicant has stayed at more than one address during the last one year, he/she should furnish two additional photocopies of the PP form for each additional place of stay.

3. Where to Apply : For Online Registration, the applicant has to submit the print outs of the application form along with required documents to the respective passport office in the appointment date and time printed. Apart from this Passport Applications can be submitted at

1. The counter of the Passport office
2. The Speed Post centers
3. District Passport Cells
4. Passport Collection Centers

An application for a passport may be submitted personally OR through a representative carrying an authority letter.

4. Urgent Passport: Refer Tatkaal Scheme in case if applicant needs the passport urgently.
5. Fee Structure: Refer Fee Structure for the fees to be submitted.
6. Check List: Refer Check List for the required documents to be submitted along with the application form.
 

Why should we hire you?

How do you answer 'Why should we hire you' in an interview?

                   Your key strategy is to first uncover your interviewer's greatest wants and needs before you answer questions. You might say: "I have a number of accomplishments I'd like to tell you about, but I want to make the best use of our time together and talk directly to your needs. To help me do, that, could you tell me more about the most important priorities of this position? All I know is what I (heard from the recruiter, read in the classified ad, etc.)"
Then, ALWAYS follow-up with a second and possibly, third question, to draw out his needs even more. Surprisingly, it's usually this second or third question that unearths what the interviewer is most looking for.
You might ask simply, "And in addition to that?..." or, "Is there anything else you see as essential to success in this position?

Prior to any interview, you should have a list mentally prepared of your greatest strengths. You should also have, a specific example or two, which illustrates each strength, an example chosen from your most recent and most impressive achievements. You should have this list of your greatest strengths and corresponding examples from your achievements very well committed to memory.
Then, once you uncover your interviewer's greatest wants and needs, you can choose those achievements from your list that best match up. As a general guideline, the 10 most desirable traits that all employers love to see in their employees are:

1. A proven track record as an achiever...especially if your achievements match up with the employer's greatest wants and needs.
2. Intelligence...management "savvy".
3. Honesty...integrity...a decent human being.
4. Good fit with corporate culture...someone to feel comfortable with...a team player who meshes well with interviewer's team.
5. Like ability...positive attitude...sense of humor.
6. Good communication skills.
7. Dedication...willingness to walk the extra mile to achieve excellence.
8. Definiteness of purpose...clear goals.
9. Enthusiasm...high level of motivation.
10. Confident...healthy...a leader.

You should have carefully considered this question yourself before applying for a job interview. If you do not know the answer then the job is not for you.

For more answers on Accounts click the link below..

http://www.question-and-answer.blogspot.com/

Why MBA?

The Educational Institutions are the gardens where the beautiful flowers blossomed always- beauty of nature, the beauty of human work and achievements and above all the beauty of character, which is seen on the face. What ever we look like depends on how we have lived, what we have thought and what we have done.

Education is a channel, a process or a device to develop the potentialities of the individual to enable him to grow into a decent citizen. Education guides to meet challenges of life with courage and with humor. In specific, a job-oriented education made the students capable of seeking a job according to his aptitude, ability and competence. The Master of Business Administration, one of the professional educations is the best-known management qualification throughout the world. It can accelerate individual career, prepare him/her for promotion, and help him/her to have a complete career change.

NEED FOR MBA:

As the environment of organization-including economic, political, competitive, regulatory, and cultural factors becomes more complex, there is an increased demand for managers with the necessary skills, understanding, courage, and energy to tackle the difficult demands facing organizations of all kinds. To be a successful manager, an individual need skills in decision-making, financial analysis, and interpersonal relationships. He also needs the ability to apply those skills in a context of constraints, opportunities, and alternatives. Professional management programs are based on the premise that people can learn to manage all types of business situations more effectively. MBA programs not only help their students to develop skills that are highly valued by many employers, but the programs also present a theoretical context for solving many business problems.

*MBA – YOU:
The purpose of an MBA education is to provide training in the theory and practice of business management. An MBA is an effective tool to,

o To change your career
o To start your own business
o To gain the competitive edge in a competitive world
o To develop technical expertise and business savvy quickly
o To advance your career
o To gain valuable networking resources
o To enhance your financial position
o To enjoy greater job security
o To enjoy greater job satisfaction and self satisfaction
o To become a leader in an emerging field
o To develop your personality as a whole.
MBA - JOBS:

An MBA with different specialization streams prepares an individual to meet the greater demands of tomorrow's advanced industrialization. Some examples are given below.

Executive Jobs:

Whether you are seeking CEO jobs, CFO jobs, CIO jobs or other C-level jobs, an MBA is supreme to a career managing companies.

Management Jobs:

Senior Management job - Senior Management jobs are awarded to candidates and employees with applicable baccalaureate degrees and a master's degree in business such as an MBA.

Banking Jobs:

Consumer banking jobs deliver financial services to individual customers.
Commercial banking jobs deliver financial services to businesses.
Human resources jobs manage employee placement, salaries, and training
Bank administration / accounting job - Bank administration / accounting jobs handle the banks internal operations

Finance Jobs:

Corporate Finance jobs help company find money, grow the business, make acquisitions, plan for it's financial future and manage any cash on hand
Money Management job - Money Management jobs manage stocks and bonds for institutional clients and are on the buy side of Wall Street
Insurance jobs help individuals and business manage risk to protect themselves from catastrophic losses and to anticipate potential risk problems
Real Estate jobs cover field such as title insurance, construction, mortgage banking, property management, real estate appraisals, brokerage and leasing, and real estate development

Accounting Jobs:

Public and Managerial Accounting jobs focus on preparing financial statements and recording business transactions including computing costs and efficiency gains from new technologies, participating in strategies for mergers and acquisitions, quality management, developing and using information systems to track financial performance, tax strategy, and health care benefits management.

Marketing Jobs:

Product Management jobs have responsibilities including marketing and development of products of all types. Advertising jobs cover every media outlet including newspapers, magazines, TV, radio, and the Internet. Retailing jobs includes store management, buying, and merchandising.

CONCLUSION:

A Full-Time MBA costs Rs.2-3 lakhs in B-Schools and around 50000 t0 100000 in university and affiliated colleges and takes Two Years time duration. For a period of 2 years, MBA students strive sleeplessly over assignments, presentations, projects, group exercises and reports. This gives them good grounding for the nature of work they will eventually perform.

Before concluding this article, I would like to mention about the fact of MBA graduates at present. In the words of Robert Brown, Director of Recruitment and Management of Head Hunters Grant Thornton " I would venture to say 70 to 80 percent of the MBAs are not worth considering." In 1999, an article 'Why CEOs Fail by Henry Mintzberg and Joseph Lampel was published in Fortune. Holders of MBAs ran some 40 percent of the 100 largest companies. On examining failed CEOS, the authors found 38 had 'flopped' because of 'poor people skills' or 'bad execution'. (Tasmac Management Review March 2004) Recently Infosys Chairman and Chief Mentor N.R.Narayana Murthy expressed the opinion that 'our graduates are ill equipped. India today has over 5.3 million graduates even as industries face shortage of skilled labour '(Deccan Herald dated 16.1.2006) He also expressed an opinion that ' 75 pc of engineering graduates are incompetent and unfit to be employed in IT firms. (Deccan Herald dated 4.1.2006)

So, if you are an MBA aspirant, try answer the question sincerely- 'Is an MBA degree appropriate for ME?' ' Is the investment made on MBA is related to growing abilities, developing character, gaining education and training?' Evaluate your alternatives. Include factors such as the nature of job, job satisfaction and preferred sector of employment. The critical analysis certainly guides to take a right decision 

What is 4G cellular?

The goal of 4G will be to replace the entire core of cellular networks with a single worldwide cellular network completely standardized based on the (Internet Protocol) IP for video, packet data utilizing Voice over IP (VoIP) and multimedia services.  The newly standardized networks would provide uniform video, voice, and data services to the cellular handset or handheld Internet appliance, based entirely on IP (Internet Protocol).

The 4G standards have not been set and underlying technologies are not fixed, which leaves plenty of room for other applications to overlap into the 4G space.  The industry has guidelines for the migration from 3.0G to 4.0G, but a clear path has not been proven.

The 4G providers of advanced cellular technology in FEC (Forward Error Correction) are adopting Concatenated Coding which has the capability of multiple QoS (Quality of Service) levels.  FEC coding adds redundancy to a transmitted coded signal through encoding prior to transmission.  A major advantage of Concatenated Coding over the Convolution Coding method by Viterbi will be improved network performance by the combining of two or more coding techniques, such as a Reed-Solomon and a Convolution Code, as one Concatenated Code.  The combination improves error correction and combines error correction with error detection.  FEC using Concatenated Coding allows a wireless network to send much larger blocks of data while reducing bit-error rate, thereby increasing the overall through-put. 

The primary goal of the planned 4G cellular services will include the following:

•           Interactive Multimedia, Voice, Video Streaming

•           High Speed Global Internet Access – VPN Availability

•           Service Portability with Scalable Mobile Services

•           High Speed, High Capacity, Low Cost Services

•           Improved Information Security

•           QoS Enhancements

•           Multi-Hop Networking

•           Spectral Bandwidth Efficiencies (8bits/Second/Hz)

•           Seamless Network of Multiple Protocols - 4G must be all-IP*

HTC EVO 4G Android Phone (Sprint)
Samsung Epic 4G Android Phone (Sprint)

What is 3G?

3G Means:

3G is the third generation of wireless technologies. It comes with enhancements over previous wireless technologies, like high-speed transmission, advanced multimedia access and global roaming. 3G is mostly used with mobile phones and handsets as a means to connect the phone to the Internet or other IP networks in order to make voice and video calls, to download and upload data and to surf the net.

 3G has the following enhancements over 2.5G and previous networks:

• Several times higher data speed;
• Enhanced audio and video streaming;
• Video-conferencing support;
• Web and WAP browsing at higher speeds;
• IPTV (TV through the Internet) support

What is Required for Using 3G?:

The first thing you require is a device (e.g. a mobile phone) that is 3G compatible. This is where the name 3G phone comes from - a phone that has 3G functionality; nothing to do with the number of cameras or the memory it has. An example is the iPhone 3G. 3G phones commonly have two cameras since the technology allows the user to have video calls, for which a user-facing camera is required for capturing him/her.
Unlike with Wi-Fi which you can get for free in hot spots, you need to be subscribed to a service provider to get 3G network connectivity. We often call this kind of service a data plan or network plan.

Your device is connected to the 3G network through its SIM card (in the case of a mobile phone) or its 3G data card (which can be of different types: USB, PCMCIA etc.), which are both generally provided/sold by the service provider. Through that, you get connected to the Internet whenever you are within a 3G network. Even if you are not in one, you can still use 2G or 2.5G services provided by the service provider.

What Does 3G Cost?:

3G is not very cheap, but it is worthwhile for users that need connectivity on the move. Some providers offer it within a somewhat costly package, but most of them have plans where the user pays for the amount of data transferred. This is because the technology is packet-based. For example, there are service plans where there is a flat rate for the first Gigabyte of data transferred, and a per minute cost for each additional Megabyte.

What is an IP address?

               Every device connected to the public Internet is assigned a unique number known as an Internet Protocol (IP) address. IP addresses consist of four numbers separated by periods (also called a 'dotted-quad') and look something like 127.0.0.1.
Since these numbers are usually assigned to internet service providers within region-based blocks, an IP address can often be used to identify the region or country from which a computer is connecting to the Internet. An IP address can sometimes be used to show the user's general location.
Because the numbers may be tedious to deal with, an IP address may also be assigned to a Host name, which is sometimes easier to remember. Hostnames may be looked up to find IP addresses, and vice-versa. At one time ISPs issued one IP address to each user. These are called static IP addresses. Because there is a limited number of IP addresses and with increased usage of the internet ISPs now issue IP addresses in a dynamic fashion out of a pool of IP addresses (Using DHCP). These are referred to as dynamic IP addresses. This also limits the ability of the user to host websites, mail servers, ftp servers, etc. In addition to users connecting to the internet, with virtual hosting, a single machine can act like multiple machines (with multiple domain names and IP addresses).

How To Get pregnant?

             Deciding to get pregnant is the first step on a long and exciting path that will eventually lead to the beginning of a new family. The thought of conceiving a child may seem daunting but it is a process that has been present since the dawn of time. With the rising awareness on pregnancy health concerns and conception methods, it is easy to be misinformed on how to get pregnant properly. The truth is that some women get pregnant very easily while others find it difficult and need a great deal of patience and optimism. While it is helpful to question women who have already conceived in the past, the topic can be embarrassing and this is why it is necessary to perform some research.

you can ask following questions to yourselve before planning to get pregnant:

Are you in Good Health?

Do you know your Body condition?

How about Food, Beverage & Supplement Knowledge?

Are you Relax and Stay Positive?

If you ok with all above question, there is no time to waste.. go ahead… all the best..