Freshers Openings in a Renowned Company

Opportunities for Arts & Science graduates of batch 2013

  Eligibility:

Ø  2013 batch graduates in B.A / B.Com / BBA / B.Sc / BCA/Humanities with 10+2+3 years of full time education.

Ø  Consistent academic record with a minimum of 60% in Std. X, XII & 55% in graduation (UG programs)

Ø  No standing arrears allowed at the time of the recruitment process

Ø  Team oriented, flexible and willing to multi task

Ø  Applicable for Indian Nationals

  Work Location: Coimbatore & Kolkata

 https://www.myamcat.com/Cognizant-OffCampus.am

Timepass movie: Timepass marathi movie

If you love Balak, Palak, Duniyadaari and other awesome marathi movies. Check the trailer of new Ravi jadhav marathi movie, its just must see

Check the song:

NASA Shoots Lasers at the Moon to Create new medium of Communication

NASA has set a new record for communication in space, beaming information to and from a probe named LADEE that is currently flying around the moon 380,000 kilometers away.

Aboard LADEE is the Lunar Laser Communication Demonstration (LLCD), which achieved super-fast download speeds of 622 megabits per second (Mbps) and an upload rate of 20 Mbps. In comparison, the internet at WIRED’s office in San Francisco gets download rates of 75 Mbps and uploads at 50 Mbps. NASA’s typical communications with the moon are about five times slower than what LLCD provided.
Until now, NASA has used radio waves to communicate with its spacecraft out in the solar system. As a probe gets farther away, you need more power to transmit a signal. Earth-based receiving dishes have to be bigger, too, so that NASA’s most-distant probe, Voyager 1, relies on a 70-meter antenna to be heard. LLCD relies on three ground-based terminals at telescopes in New Mexico, California, and Spain to communicate.
The agency is currently interested in creating better laser-based communication relays. With a concentrated beam of light, a spacecraft could send data at much faster rates that could carry higher resolution images and transmit 3-D videos from deep space. Of course, the method is challenging because it requires very high precision. If the skinny laser beam doesn’t exactly hit its target over a ridiculously far distance, it will lead to dropped calls and no communication. LLCD also has a slower transmission rate when the moon is on the horizon — and the signal has to travel through a greater amount of interfering atmosphere — than when it is directly overhead.
LLCD is actually a precursor to a larger and even more capable project, the Laser Communications Relay Demonstration (LCRD), which will further test the technology and is expected to launch in 2017. One day, such communication systems could be part of a fast interplanetary internet that will beam data around the solar system.

New Fuel would power a CAR for 100 years

Laser Power Systems, a U.S. company based out of  Connecticut is developing a method of automotive propulsion using the element thorium to produce electricity. The results far surpass anything currently powering automobiles.

To put it in perspective, 8 grams of Thorium produce enough power for a car to drive 1 million miles.

Thorium is similar in structure to the element uranium. Because it is an incredibly a dense material it has the potential to produce tremendous heat, and thus energy.

Charles Stevens, the CEO of Laser Power Systems CEO, explains that just one gram of thorium yields more energy than 28,000 liters of gasoline.

Just eight grams of thorium, Stevens explains, would produce more energy than the vehicle could use in its entire life, without the need for refueling… ever.

Stevens explained in an interview with Ward’s Auto, that small pieces of thorium have been used to generate heat, being positioned to create a thorium laser in the vehicle. The laser heats water which produces steam, which in turn powers a series of “mini-turbines.”

 

Seaworld and Aquatica:How to Travel

Seaworld Orlando is one of the famous and must visit tourist attraction in Orlando. It has two  parks Seaworld and Island of Aquatica which are side by side. If you are planning to visit there are numerous travel options that are possible to have from Airport. Let me tell you if you really want to enjoy each Shows, rides of the park you need to devote atleast 1 day each for Seaworld and Aquatica.
    1. Car rental: This could be best option available it will several hours that you might waste travelling from to and from the airport to Seaworld/Aquatica. This works best if you plan to visit other theme parks like Disney, Universal. Only problem is parking fees that you end up paying, but still it would be worth as you can spend the extra hours that you save inside the park.
   2. Taxi: Its good option saves you parking charges, but it might turn out expensive. You will get taxi from Airport. So its really convinient if you dont want to go for Car rental.
      http://www.mearstransportation.com/global/orlando/
      http://www.cityyellowcabs.com/
  3. Bus: Good economy option no need to worry about parking charges, but be ready to add 1 hour to your trip to and from Seaworld. Orlando is server by LYNX bus service which has good frequency. Living in Orlando without a car I have been using this option for all my travel to the theme parks and it works the best for me. Following are buses from Airport to Seaworld
                   1. Catch 111 from Airport and its last stop is SEAWORLD
                   2. If you want to go to Aquatica, just get down at SEAWORLD and they have free buses that move between SEAWORLD and Aquatica.
You can get a ticket for $2 in bus (keep the exact change, drivers won't give you change) for a trip to SEAWORLD ask for Transfer which works for 90 mins.Other Option is to take a day pass in the bus for $4.5 (keep the exact change, drivers won't give you change) and you can use it for the whole day to travel all over orlando. Check for bus routes and schedules at below LYNX site
                              http://www.golynx.com/

Both parks are awesome, make sure you give enough time atleast(1 days each park) 2-3 days for SEAWORD and Aquatica to have a real fun vaccatioin. I have a annual pass and we enjoy the park at our leisure we took 5 days to cover all two parks. Some times wait for major attractions can be more than 90 to 120 mins.
            

Universal Studios Orlando: How to travel from Airport to Universal Orlando

Universal Studios Orlando is one of the famous and must visit tourist attraction in Orlando. It has two theme parks Universal Resorts and Island of Adventures which are side by side. If you are planning to visit there are numerous travel options that are possible to have from Airport. Let me tell you if you really want to enjoy each ride of the park you need to devote atleast 1 day each for Universal studios and Island of Adventures.
    1. Car rental: This could be best option available it will several hours that you might waste travelling from to and from the airport to Unviersal. This works best if you plan to visit other theme parks like Disney, Seaworld. Only problem is parking fees that you end up paying, but still it would be worth as you can spend the extra hours that you save inside the park.
   2. Taxi: Its good option saves you parking charges, but it might turn out expensive. You will get taxi from Airport and also there is taxi stand when you get of Universal. So its really convinient if you dont want to go for Car rental.
      http://www.mearstransportation.com/global/orlando/
      http://www.cityyellowcabs.com/
  3. Bus: Good economy option no need to worry about parking charges, but be ready to add 1-3 hours to your trip to and from universal. Orlando is server by LYNX bus service which has good frequency. Living in Orlando without a car I have been using this option for all my travel to the theme parks and it works the best for me. Following are buses from Airport to Orlando, you need to change the bus
                   1. Catch 42 or 111 from Airport and get down at FLORIDA MALL(around 20-30 mins)
                   2. From Florida Mall catch 37 (Pine Hills) it will drop you at Universal gate(around 30-40 mins)
You can get a ticket for $2 in bus (keep the exact change, drivers won't give you change) for a trip to Universal ask for Transfer which works for 90 mins.Other Option is to take a day pass in the bus for $4.5 (keep the exact change, drivers won't give you change) and you can use it for the whole day to travel all over orlando. Check for bus routes and schedules at below LYNX site
                              http://www.golynx.com/

Both parks are awesome, make sure you give enough time atleast(1.5 days each park) 3 days for Universal to have a real fun vaccatioin. I have a annual pass and we enjoy the park at our leisure we took 7 days to cover all two parks. Some times wait for major attractions can be more than 90 to 120 mins
            

Hyperloop transportation system

During a conference call on Monday, Tesla and SpaceX CEO Elon Musk dished out the details of his "fifth mode" of transportation -- a lofty and innovative system that's unlike anything ever built.

Laying out his vision and answering questions on the futuristic-sounding plan, Musk sounded confident his big idea could get done.

The proposed cost for the Hyperloop transportation system, which wants to get you between San Francisco and Los Angeles in just 35 minutes, Musk says, is about $6 billion.

That sounds very cheap and fast compared with the current California high-speed rail plan, which is aiming for a 3-hour travel time for the same trip, with a current budget of $68 billion.

Check the Images

http://news.cnet.com/2300-11386_3-10017848.html

Mozilla Firefox Black Background issue:

I opened my Mozilla firefox to find out it loading in Black background and I am not able to see anything or do anything with browser as text, buttons are not visible. I tried to uninstall the browser, reinstall it but nothing worked I really didn't know what to do about it.

So finally figure out how to fix Mozilla Firefox Black Background issue
   1. Start your browser in Safe mode:
          Hold shift key and open the browser to start in Safe mode
   2. Disable Hardware acceleration setting
          Navigate to firefox>Options>Advanced>General (tab)
          and untick Use Hardware acceleration checkbox.

 Now reopen the Firefox in normal mode and it should work, Simple fix for Mozilla Firefox Black Background issue

US H1B and H4 fingerprinting, scanning: Minor cuts, cracks on the hand

Getting your final stage of US H1B and H4 Visa stamping maybe really scary due to the Interview and OFC process. OFC process is really straightforward, but one thing one needs to take care is that your fingerprinting should be successful. Any major cuts on your fingers can result into rejection/delay in fingerprinting process.
1. Make sure you don't have any major cuts on any fingers on both the hands.
2. Any cuts at the side of the fingers and not on the fingerprinting areas should not be a problem. My wife had a cut on her finger, but it was on side of the finger so it didn't cause any issues.
3. Minor cuts don't cause any problem, but if you have few days before the OFC make sure you treat them and they are healed.
4. Cracks on Fingers due to dryness, or due to winters is not a problem, but keep applying moisturizer till the last moment your outside the Consulate for OFC. No medicines allowed inside the consulate.
5. When you schedule the appointment for OFC from that day take care of hands, especially ladies so they don't end up having major cuts on Hand. If something happens, treat them by taking to doctor.
6. Incase your really fail in fingerprinting, they issue a yellow slip and ask to come back once your cuts are healed.

US H1B and H4 OFC is very simple process, all they do is take fingerprints four fingers on left hand and four fingers of right hand and finally fingerprints of both the thumbs placed together. This is followed by taking a digital photograph.

Mistake in DS-160 after Confirmation: EDIT or Submit new DS-160 for USA H1B Visa

This article address below important questions regarding H1B Stamping process
1. Modifying DS-160 after submission
2. Modifying DS-160 after Appointment confirmation
3. Correct Mistakes in DS-160
4. H1B VISA DS-160 CORRECTION

Important stage of H1B stamping is to submit DS-160 online, few important points of filling DS-160 are
1. DS-160 can be saved and retrieved and modified. any number of times within 30 days of creating the DS-160.
2. Mention all the correct details in DS-160, any mistakes might result in trouble.

Modifying DS-160 after submission before appointment confirmation:
After submission of the DS-160 and generation the Confirmation Page, you realized that there was a mistake, here is what you need to do
1.Retrieve the DS-160 using the security details you provided earlier.
2.Once you retrive it gives you a option to either create a new application or continue existing application.
3.Click create a new applicatioin, it will default most of the information that you filled earlier.
4.Another way is to just ignore the earlier DS-160 and create a new one. Consulate will consider only the DS-160 with which you take the appointment.

Modifying DS-160 after Appointment confirmation:
Once you take a Appointment with your DS-160 and you realize that there was a mistake
1. Submit a new DS-160 with all correct information and generate the confirmation page.
2. At OFC appointment carry old  and new DS-160 Confirmation page. Inform the officer that you have modified the DS-160 and use that for further processing.
3. Officer will confirm that this is correct DS1-60 and use it.

Incase of further confirmation about the process drop a email to support@ustraveldocs.com (US Consulate support services)

H4 Dependent Visa for Child less then 14 years Old

I was applying for H1B Stamping along with H4 stamping for Wife and Kid. As my kid was 6 years old, I checked with US consulate if its required to bring him for the Stamping. Below was the reply from US Consulate support regarding stamping for H4 Dependent less then 14 years old

We understand that you would like to know if you need to bring the child for the OFC and the visa interview.
With regards to your query, we would like to inform you that, children below 14 years are not required to be present for both the interviews. However, parents may submit the below mentioned documents of the child when they appear for their OFC interview.
1. Child's Passport.
2. Child's DS-160 confirmation page.
3. Visa fee receipt.
4. Appointment letter.
5. Photograph taken within last six months. 

Actual process for H4 Dependent stamping at Mumbai consulate for Child less then 14 years old:
Based on my experience for H1B stamping below is the process
OFC:
1. Once security check is done, at the entrance officer requires
        1. Appointment letter
        2. DS-160 for myself, Wife and Child
        3. 1 photograph for Child
        4. Original passports
    On kids DS160 the officer stapled the kids photograph and after verification gave me the
    documents back.
2. Two tokens were issued by security guard at entrance of the waiting room one for wife and other
    for myself.
3. Once my token was called I went to the corresponding window and submitted the DS-160 for
     myself and kid, appointment letter and passports. Officer asked me why I haven't bought the
    child,    I told him that it was not required as he is 6 years old. He asked me the child's name. My
    fingerprinting was done and Photograph was taken. For child the officer took digital photo from
    the Photo stapled on the child DS-160.
4. DS-160 was stamped as proof of fingerprinting, also sticker was pasted on my and child passport.

Interview:
1. Inside the consulate at token window submitted the child passport along with myself and wife's
    passport. A single token is issued for the family.
2. At fingerprint verification submitted all the three passports. Fingerprints verified for me and wife.
3. At the VO windows once my token was called, I submitted passports for all of us to the VO.
4. VO might ask questions related to your child to you/wife and its done.

So all you have to do is submit the child documents along with you at each window.

H1B US Visa and H4 US Visa document list for OFC and Interview

If you are in process of getting H1B US Visa and H4 US Visa stamped, its important that one is aware of the list of documents required for the OFC and Interview. Though this list has been provided at many places, but its mostly states lot of unneccssary documents which are never asked in the process. Below list is based on my own experience of getting H1B and H4 Visa stamped in FEB-2013.

H1B US Visa(no H4 dependents)
OFC:
1. Appointment letter(printout)
2. DS-160 Confirmation page
3. Original passports(Old and new)
4. Payment receipt (Only if not paid online)

Interview:
1.Appointment Letter
2.Same DS-160 Confirmation page the you carried for OFC
3.Original passports (Old and new)
4.I797 (photocopy and Original)
5. Degree certificates (photocopy and Original)
6. Original Mark sheets (photocopy and Original)
7. Experience Letters (photocopy and Original)
8. BEP Letter (Only if your employer provides it)
9. Payment receipt (Only if not paid online)
10. I129S, LCA and Justification letters( printed)

H1B US Visa along with H4 (wife and kid)
OFC:
1. Appointment letter(listing appointments for yourself and dependents)
2. DS-160 Confirmation page for yourself and dependents
3. Original passports(Old and new)
4. 1 Kids photograph(less then 14 years old) and if he is not attending OFC and interview

Interview:
1.Appointment Letter
2.Same DS-160 Confirmation page the you carried for OFC
3.Original passports (Old and new)
4.I797 (photocopy and Original)
5. Degree certificates (photocopy and Original)
6. Original Mark sheets (photocopy and Original)
7. Experience Letters (photocopy and Original)
8. BEP Letter (Only if your employer provides it)
9. Payment receipt (Only if not paid online)
10. I129S, LCA and Justification letters( printed)
11. Marriage certificate (photocopy and Original)
12. Wedding album( only 20-30 photos)
13. Birth Certificate(Kid)
14. Last two pay slips along (IT returns)
15. Resume

H4 dependent( without primary applicant)
OFC:
1. Appointment letter(printout)
2. DS-160 Confirmation page
3. Original passports(Old and new)
4. Payment receipt (Only if not paid online)

Interview:
1.Appointment Letter
2.Same DS-160 Confirmation page the you carried for OFC
3.Original passports (Old and new)
4.Passport photocopy of H1B visa holder
5. I797 (photocopy)
6. BEP Letter (Only if your employer provides it)7. Payment receipt (Only if not paid online)
8. I129S, LCA and Justification letters( printed)
9. Marriage certificate (photocopy and Original)
10. Wedding album( only 20-30 photos)
11. Birth Certificate(Kid)
12. Last two pay slips along (IT returns)

Important points:
1. Kids below 14 are not required to attend the interview and OFC. Carry the required documents for them as per the above list.
2.Photocopies are not required for any document, when officers ask for the doc you can show the original docs. But in this case make sure you get your originals back, as apart from passports you don't have to submit any original document at consulate. 
So its better to carry photocopies along with original and provide the photocopies if requested by the officers. Only if the officer insist provide them with the Original and make sure you get them back before leaving the window, otherwise they are lost.
3.Having all the required documentation is the key for getting your visa approved, any thing officer demands you must be in position to show it. I have seen people not able to answer very basic question, but just they had the required docs visa officer had no option but to approve the Visa.
4. Bind your Old and new passports together.
5. Make separate sets of your documents for yourself and dependents. So your wife carries Wedding ablum, birth certificate and Marriage certificate and you carry all other stuff.
6. Carry docs in Transparent Folders, memorize the sequence. This helps to provide the officer with required docs, as they have only few minutes to complete each applicants process.

 

Reddit: You've submitted too many links recently. Please try again in an hour.

Trying to make most of your blog can be painful due to restrictions imposed by certain social sites to prevent spammers. Reddit is a great site to get more people to your blog. But Reddit has put restrictions and you cannot keep on publishing your blog links frequently on there website. If you try you will get the below message
"You've submitted too many links recently. Please try again in an hour."
I have been trying to get around this error for quite some time, but no success. One suggested solution was to avoid copy and paste in the Reddit fields while trying to submit a link. But it didn't work. Let's see if something comes up. People let me know if you have something for this.

Meteorite hits Russian Urals: Fireball explosion wreaks havoc, 400 injured

Russia's Urals region has been rocked by a meteorite explosion in the stratosphere. The impact wave damaged several buildings, and blew out thousands of windows amid frigid winter weather. Hundreds are seeking medical attention for minor injuries.

In this video you see the Meteorite entering the earths atmosphere, the way it brighten the streets and people getting hit by the showers.

The meteorite raced across the horizon, leaving a long white trail in its wake which could be seen as far as 200 km (125 miles) away in Yekaterinburg. Car alarms went off, windows shattered and mobile phones worked only intermittently.

Chelyabinsk city authorities said about 400 people sought medical help, mainly for light injuries caused by flying glass.

No fatalities were reported but President Vladimir Putin, who was due to host Finance Ministry officials from the Group of 20 nations in Moscow, and Prime Minister Dmitry Medvedev were informed.

A local ministry official said the meteor shower may have been connected with an asteroid the size of an Olympic swimming pool that was due to pass Earth at a distance of 27,520 km (17,100 miles) but this could not be confirmed.

Windows were shattered on Chelyabinsk's central Lenin Street and some of the frames of shop fronts buckled.

A loud noise, resembling an explosion, rang out at around 9.20 a.m. (0520 GMT). The shockwave could be felt in apartment buildings in the industrial city's centre.

The U.S. space agency NASA has said an asteroid known as 2012 DA14, about 46 metres in diameter, would have an encounter with Earth closer than any asteroid since scientists began routinely monitoring them about 15 years ago.

Television, weather and communications satellites fly about 500 miles (800 km) higher. The moon is 14 times farther away.

Investment, Insurance and Real estate: Common Investor's view

For around last 7 years I had several good/bad experiences in shares, real estate,  insurance and other investments. From all this experiences, I thought of coming up with this article, to keep other people inform of avoiding investments that won't serves its purpose.

Stock Market:
When market ran from 7000 to 20000 level,many people made lot of money in any share that
 they invested. But now days markets hovering between 15000 to 20000 level its better to avoid the
 Share investment this is why

1. Market now days don't run on fundamentals but rather on Sentiments and manipulations: Companies like L&T, Infosys which were the best now days don't seem to be profitable anymore. I know people who invested in Real estate companies, Tanla Solutions, Kingfisher, Satyma, etc now suffering losses in Lakhs.
2. Constant Monitoring:                                                                                                                   In today's situation you need constant monitoring of your shares to make sure that you don't suffer heavy losses.I lost almost Rs 15000 in a day in shares like infosys who's price fluctuated Rs 200 in a day. Remember you have to watch your shares daily, you cant just invest and forget about it for years, months but not even days. 
3. Avoid playing in Futures and options.                                                                                           I lost around Rs. 35000 in a day and also made Rs. 50000 in a week. But at end of day you will always loose more than what you have earn and this is not just my experience but every colleague of mine has the same story to tell.
4. Internal tips and recommendations:                                                                                              Only invest in shares if you get internal tips from trustworthy source, otherwise don't. Stock   market recommendations by News channels, web sites and Brokers rarely hit right and there main purpose is to manipulate small investors
5. Common investor has mostly lost money or not made any profit for last few years only people who have gained is Big investor or FIIS as these are the people who drive the markets. We are just he nemo fish easily fooled by market directions, Stock recommendations and other manipulations.
6. Mutual Funds fetch low/no/negative returns:                                                                  Remember that unless stock market is doing good, no fund based on stock market will do good no matter how smart is the Fund Manager. Me and my colleagues have gained around -10 to +10% from stock market investments from last few years with investment from best reputed Fund houses. I invested in ELSS funds some time back for some tax gains, but there are definetly better tax investments outside.  
7. Invest in Markte Low's:                                                                                                                 Invest in next Market bullrun when it will go from 20000 to 25000, but you may never know that. One way is mark some good shares current price and wait till market falls and then make your investments in the above shares and allow Market to recover to make some good profits.

Gold:
Gold is know for beating Inflation and its has been a recommended investments by Ancient folks. So investment in Gold is must

1. Physcial Gold comes with security risk:                                                                                  Buy physical gold only necessary enough to satisfy the Gold cravings by your loved ones. With gold prices hovering at Rs3000/gm keeping gold at home and even wearing it has big security risks. Losing gold ornaments at home, while traveling, or at any place is common now days.
2. Gold ETF is best:                                                                                                                         Gold ETF gives advantage of Gold investment with no security risk. So get yourself a demat account and put some % of your investment in GOLD ETF buying it online through your demat account. Gold ETF are easy to buy/sell, appreciate along with Gold and no need to worry about keeping it at home/safe place. 
3. Physcial Gold difficult to sell in difficult times:                                                                   Especially gold ornaments is difficult to sell when you need money. To get best deal you will have to sell at the Store from where you purchased, you need to have receipts, you only get check (no cash payments) and price fetched is less than market price and they deduct Ornament making charges. But Gold ETF can be sold any day when the market is open without hassles and no price deductions, you pay only transaction charges which is less.

Real estate:

Real estate is either you buy it as your first home or investment prespective

1. Buying First home is never expensive:                                                                                         Buying a Flat as first home should be the first important financial decision of your life. Don't worry about current prices and delay  your decisions, because at some point of time you will have to buy the property and delaying may result in paying more money for same property. One of my friend was getting a property at 15 Lakhs in 2008 as he felt it was expensive he delayed it and ultimately bought a similar property in 2010 at 32 Lakhs. Now his property is worth 45 Lakhs in 2013. So decide your budget get your first house/flat.
2. Land is better than buying a Flat.                                                                                               If you are getting a good deal on Land in the same area where you are looking for the Flat go for it. A normal 2bhk Flat in Pune city goes 45Lakhs and above, a piece of land around 1000 sq ft in same area will cost around 20-25lakhs and if you construct a good Bungalow its cost 10-15 Lakhs for constructions of 1000sqft. Owning a Bungalow is always a luxury then Flat, because Flat is again a shared property with Individuals from different backgrounds and tastes.
3. Amenities should be the last factor:                                                                                         Don't think of Amenities when buying a Flat, the only useful amenity that I have seen in most of the schemes is the Children play area and Club house (for small functions). All other amenities are costly to maintain and hardly used, so are ultimately dumped by the Housing society members. So don't invest extra amount in Luxury scheme with lot of amenities but invest in some decent scheme which has good Apartment layout, location (living cost), water and other basic Amenities.
4. Diversify:                                                                                                                                               If you have budget for Luxury scheme then diversify your buying into land and Flat. Let say you have budget of 65 Lacs, then instead of buying one single Luxury Flat for 65, put 45-50 in Flat and invest 20 Lacs in decent Plot. This will turn out to be best investment and Financial decision of your life. To reduce your cost of Flat one can look into buying a resale flat in a decent Society and location
5. Land and House is a great investment.                                                                                       Land/House/Flat (second) is a great investment as you can get it on Loan and value of real estate increase with time. Also House/Second flat can be rented out to generate a source of Income. Rentals are best way to beat inflation, with inflation your rents increase so you have a tool to make sure your income match inflation.
6. Bank Loan reduce risk:                                                                                                             Buy a property that has been financed by a Bank as Bank ensures the property is clear of any legal or other issues.
7. Be Cautious, go by the book:                                                                                                      Buying a Land involve a good advocate/get it from trusted source. Land investment is great but should be take care of following thing.
1. Reputation of person/builder
2. Clear title/papers, get 7/12 from the govt office and check it.
3. No Loans.
4. Any reservations, future development
5. Involve a good lawyer right from start.

Insurance:

Insurance should be treated as risk cover for your life and health and you should never look it as Investment or for Returns.Don't mix insurance and investments.

1. Health Insurance:                                                                                                                           Buy a health insurance to cover  your parents and your family. With increase in medical costs it really important to have health insurance, otherwise any Hospitalization in the family and your financial health will get reduce by several thousands to Lacs of rupees. If your company provides insurance check if your parents can be included in the cover as this is the cheapest method to get cover for your parents. Getting a separate health cover for your parents is expensive due to there ages and health condition.
2. Term insurance as Life insurance is the best option:                                                                   Term insurance is pure Life insurance, it assures that your family gets the benefit incase of your death . Though it doesn't give any forms of returns it has advantages of low premiums for higher risk amounts and covers all forms of death. For  75 Lakhs cover an individual following are the premiums
•     Term insurance        Rs 12,000
•     Endowment policy   Rs 2,30,000
3. Avoid Endowment and Money back policy:                                                                         Endowment and Money back policy though gives surety of some interest/bonus along with return of principal invested they are not good as Life insurance. In above case for 75lakh cover one has to pay additional Rs 2,10,000 for Endowment policy. Same amount if invested in Gold/Land will fetch your multiple returns then Endowment policy.Most disadvantage of Endowment/money back policy is they don't cover all forms of death and have exclusions for death due to Terrorist attack, natural calamity, insured person fault and other. Term insurance on other hand covers all death forms including sucide(after one year).
4. Cancellation of Policy:                                                                                                                   Incase of cancellation of Endowment/Money back policy before term will fetch amount less than premium paid till date and all the bonus/interest is all lost. This is point no agent or company explains only when I had a situation to cancel my Insurance policy I came to know.

Let me tell you that I am not a Investment guru, but someone who has learned in it hard way and knows how it hurts when things go wrong.So all those folks who didn't find Investments gurus talks profitable, need some Investment common sense from a Common Investor above is the stuff for you.

Tags:

insurance, investment, real estate investment, gold investment, bank, gold, a insurance,it insurance,     insurance for, what is insurance, what is investment, investment in, what are investments

INDIAN'S: Struggle, Determination and Success

Life for common man in India is always full of Struggle to earn is livelihood and to take care of family. These documentaries showcase such Indian people who's struggle has lead to some innovative approaches to earn money. Not only they work hard to gain the money, but also enjoy there way of life.

It might make you realize that how to remain contended and happy in what we have. Also keep  your dream of Climbing high, however difficult it might be.

XBOX GO BIG

If you love gaming, then this video of a new Technology by Microsoft will thrill you. Illumi Room is new future tech that will immerse the gamer by turning his surrounding as part of the game.

Didn't get anything check this video: XBOX GO BIG

CES 2013: Samsung smart phone that can bend

Mobile phone giant has developed a flexible smartphone prototype, which if claims could change the way we interact with technology. 

 So be ready to have fun with this new technology that may soon be in our hands.

Future Gaming Console

Gaming market is flooded with consoles like Wii, PlayStation, XBOX and Nintendo consoles. These consoles every time bought certain new features, enhancements and richer gaming experiences with them.

Check these new generation of gaming consoles which will be soon available in the market. Whether they will bring anything new to the table is yet to be decided

NVIDIA announces Tegra 4-powered, Android-based Project Shield handheld gaming system
NVIDIA's Project Shield sure boasts of some impressive specs. With the power of Tegra 4 beneath its wings, the console is likely capable of handling whatever you throw at it, including playing 4K video. It comes with a 5-inch, 1280x720 HD retinal multitouch display and built-in speakers to offer the portable console experience.

Gamestick
GameStick is an open-source, Android-based, portable game console meant to turn any screen with an HDMI port into a gaming hub. The entire system consists of a basic handheld controller with a dongle that slides out to plug into the screen and communicate back to the controller via Bluetooth.

GameStick key specifications
OS - Android Jelly Bean
Processor - Amlogic 8726-MX
Memory - 1GB DDR3 RAM
Storage -  8GB
Controller - Bluetooth, 3 mode controller: gamepad, mouse and keyboard with support for up to 4 controllers
Content Download Manager with cloud storage for games
WiFi - 802.11 b/g/n
Bluetooth - LE 4.0
Full 1080p HD video decoding

Boxer8 Ouya
The Ouya is an Android powered "hackable" gaming console. It runs on a Tegra 3 processor, 1GB of RAM, and 8GB of flash storage. As for connectivity, it has Bluetooth 4.0 and WiFi 802.11 b/g/n protocals. It will have 1080p output for maximum resolution on the big screen.

Steam box:
The first of what will probably be many, Piston is a unique version of Xi3's modular X7A PCs and what exactly is in it is anybody's guess. Xi3 does have a 7 Series PC that's "somewhat" (their words) aimed at gaming, but to say they were "cagey" about whether or not its specs are anything like the upcoming Steam Box's would be a massive understatement.
That said, Xi3's gameriest modular computer boasts a quad-core 64-bit x86-based processor, up to 8GB of DDR3 RAM, an SSD as large as a terabyte, supports up to three displays and resolutions of up to 4096x2160. Then, of course, there's the PC's modular aspect; its motherboard is split into three distinct pieces, arranged into a cube to make the whole device small enough to fit in one hand. Each one can be swapped out for a better one as time goes on, to keep up with whatever innovations are coming down the pipe. All that can be yours for $999.

Tempo: Awesome Sci fi short film

Check this short film, the sci fi concept depicted in this story is simply gr8.
A treat for science fiction lovers