Tuesday, May 5, 2009

dfb

http://ganeshraman.blogspot.com

ICC T20 2009 WorldCup Schedule and Fixtures

IPL has been creating so much of Buzz for sometime. ICC T20 World Cup is to be held in London after IPL

I have compiled ICC World T20 Cup Schedule for you people.Have a look and enjoy

These Fixtures can change any time. Check these Fixture quite often

Watch T20 WorldCup live.Dont miss the action.

There would be 4 groups :

Group A       Group B            Group C         Group D
India               Pakistan            Australia         South Africa
Bangladesh    England             Sri Lanka         New Zealand
Ireland            Netherlands    West Indies    Scotland

Matches Timings and Schedule

1st T20 will be played between England v Netherlands on 05, June 2009 in  London  Day night
2nd
New Zealand v Scotland on 06, June 2009 in London Day match
3rd
Australia v West Indies on 06, June 2009 Day mach in London
4th
India v Bangladesh on 06, June 2009 in Nottingham D/N
5th
South Africa v Scotland on 07, June 2009 day match in London
6th
England v Pakistan on 07, June 2009 D/N match in London
7th
Bangladesh v Ireland on 08, June 2009 Day match Nottingham
8th
Australia v Sri Lanka on 08, June 2009 D/N in Nottingham
9th 
Pakistan v Netherlands on 09, June 2009 London day match
10th
New Zealand v South Africa on 09, June 2009     D/N in London
11th 
Sri Lanka v West Indies on 10, June 2009 in Nottingham
12th 
India v Ireland on 10, June 2009

Super Eight T20 world cup 2009 match schedule and timings

On 11, June 2009

D1 v A2 in Nottingham
B2 v D2 in Nottingham

12, June 2009

B2 v D2 in London
A1 v C1 IN London

13, June 2009

C1 v D2 in London
D1 v B1 IN London

14, June 2009

A2 v C2 in London
A1 v B2 IN London

15, June 2009

B2 v C1 in London
B1 v A2 IN London

16, June 2009

D1 v C2 in Nottingham
D2 v A1 IN Nottingham

Now the Semi Final Matches

18, June 2009
1st Semi-Final

19, June 2009

2nd Semi-Final

Twenty20 World Cup 2009Final on 21, June 2009 London

What Is 49- 0 ?

Did you know that there is a system in our constitution, as per the 1969 act, in section " 49-O" that a person can go to the polling booth, confirm his identity, get his finger marked and convey the presiding election officer that he doesn't want to vote anyone!

Yes such a feature is available, but obviously these leaders have never
disclosed it.
This is called "49-O".

Why should you go and say " I VOTE NOBODY"... because, in a ward, if a candidate wins, say by 123 votes, and that particular ward has received "49-O" votes more than 123, then that polling will be cancelled and will have to be re-polled. Not only that, but the candidature of the contestants will be removed and they cannot contest the re-polling, since people had already expressed their decision on them.

This would bring fear into parties and hence look for genuine candidates for their parties for election. This would change the way; of our whole political system.... it is seemingly surprising why the election commission has not revealed such a feature to the public....

Please spread this news to as many as you know...

Seems to be a wonderful weapon against corrupt parties in India ... show your power, expressing your desire not to vote for anybody, is even more powerful than voting... so don't miss your chance. So either vote, or vote not to vote (vote 49-O) and pass this info on...

Friday, May 1, 2009

Seach Engine Optimization

Search Engine Optimization (SEO) is often considered the more technical part of Web marketing. This is true because SEO does help in the promotion of sites and at the same time it requires some technical knowledge – at least familiarity with basic HTML. SEO is sometimes also called SEO copyrighting because most of the techniques that are used to promote sites in search engines deal with text. Generally, SEO can be defined as the activity of optimizing Web pages or whole sites in order to make them more search engine-friendly, thus getting higher positions in search results.

One of the basic truths in SEO is that even if you do all the things that are necessary to do, this does not automatically guarantee you top ratings but if you neglect basic rules, this certainly will not go unnoticed. Also, if you set realistic goals – i.e to get into the top 30 results in Google for a particular keyword, rather than be the number one for 10 keywords in 5 search engines, you will feel happier and more satisfied with your results.

Although SEO helps to increase the traffic to one's site, SEO is not advertising. Of course, you can be included in paid search results for given keywords but basically the idea behind the SEO techniques is to get top placement because your site is relevant to a particular search term, not because you pay.

SEO can be a 30-minute job or a permanent activity. Sometimes it is enough to do some generic SEO in order to get high in search engines – for instance, if you are a leader for rare keywords, then you do not have a lot to do in order to get decent placement. But in most cases, if you really want to be at the top, you need to pay special attention to SEO and devote significant amounts of time and effort to it. Even if you plan to do some basic SEO, it is essential that you understand how search engines work and which items are most important in SEO.

1. How Search Engines Work

The first basic truth you need to learn about SEO is that search engines are not humans. While this might be obvious for everybody, the differences between how humans and search engines view web pages aren't. Unlike humans, search engines are text-driven. Although technology advances rapidly, search engines are far from intelligent creatures that can feel the beauty of a cool design or enjoy the sounds and movement in movies. Instead, search engines crawl the Web, looking at particular site items (mainly text) to get an idea what a site is about. This brief explanation is not the most precise because as we will see next, search engines perform several activities in order to deliver search results – crawlingindexingprocessing,calculating relevancy, and retrieving.

First, search engines crawl the Web to see what is there. This task is performed by e piece of software, called a crawler or aspider (or Googlebot, as is the case with Google). Spiders follow links from one page to another and index everything they find on their way. Having in mind the number of pages on the Web (over 20 billion), it is impossible for a spider to visit a site daily just to see if a new page has appeared or if an existing page has been modified. Sometimes crawlers will not visit your site for a month or two, so during this time your SEO efforts will not be rewarded. But there is nothing you can do about it, so just keep quiet.

What you can do is to check what a crawler sees from your site. As already mentioned, crawlers are not humans and they do not see images, Flash movies, JavaScript, frames, password-protected pages and directories, so if you have tons of these on your site, you'd better run the Spider Simulator below to see if these goodies are viewable by the spider. If they are not viewable, they will not be spidered, not indexed, not processed, etc. - in a word they will be non-existent for search engines.

After a page is crawled, the next step is to index its content. The indexed page is stored in a giant database, from where it can later be retrieved. Essentially, the process of indexing is identifying the words and expressions that best describe the page and assigning the page to particular keywords. For a human it will not be possible to process such amounts of information but generally search engines deal just fine with this task. Sometimes they might not get the meaning of a page right but if you help them by optimizing it, it will be easier for them to classify your pages correctly and for you – to get higher rankings.

When a search request comes, the search engine processes it – i.e. it compares the search string in the search request with the indexed pages in the database. Since it is likely that more than one pages (practically it is millions of pages) contains the search string, the search engine starts calculating the relevancy of each of the pages in its index to the search string.

There are various algorithms to calculate relevancy. Each of these algorithms has different relative weights for common factors like keyword density, links, or metatags. That is why different search engines give different search results pages for the same search string. What is more, it is a known fact that all major search engines, like Yahoo!, Google, MSN, etc. periodically change their algorithms and if you want to keep at the top, you also need to adapt your pages to the latest changes. This is one reason (the other is your competitors) to devote permanent efforts to SEO, if you'd like to be at the top.

The last step in search engines' activity is retrieving the results. Basically, it is nothing more than simply displaying them in the browser – i.e. the endless pages of search results that are sorted from the most relevant to the least relevant sites.

2. Differences Between the Major Search Engines

Although the basic principle of operation of all search engines is the same, the minor differences between them lead to major changes in results relevancy. For different search engines different factors are important. There were times, when SEO experts joked that the algorithms of Yahoo! are intentionally made just the opposite of those of Google. While this might have a grain of truth, it is a matter a fact that the major search engines like different stuff and if you plan to conquer more than one of them, you need to optimize carefully.

There are many examples of the differences between search engines. For instance, for Yahoo! and MSN, on-page keyword factors are of primary importance, while for Google links are very, very important. Also, for Google sites are like wine – the older, the better, while Yahoo! generally has no expressed preference towards sites and domains with tradition (i.e. older ones). Thus you might need more time till your site gets mature to be admitted to the top in Google, than in Yahoo!.

Sunday, April 12, 2009

Indian IT industry to help in US economic recovery

India's information technology industry should start hiring in the US to help in its economic recovery as the US is always going to be its biggest market, the industry association's head has suggested.

The restrictions on H1B visas in the US "absolutely is a concern," Pramod Bhasin, president and chief executive of outsourcing firm Genpact and the new chairman of the National Association of Software and Services Companies (Nasscom), said in an interview with Forbes Asia.

"We've met the concerned people in Washington and expressed our views. Any abuse of the visa system must be stopped, and Nasscom will help to do that," he said.

"That said, I believe that we should be hiring in the US and thereby participate in its economic recovery," Bhasin was quoted as saying. "Several of our companies are already looking to create employment in the US It's the ideal time to get the best talent."

Asked about Nasscom's strategy to address the protectionist wave in the US, Bhasin said there's a lot of protectionist noise today, but the Indian industry "should respond to the reality, not the rhetoric."

"American companies are not going to turn away from global intellectual capital. The US is always going to be our biggest market," he said.

Calling backlash against outsourcing due to layoffs around the world as "a big issue that we're facing," Bhasin said Indian "industry isn't responsible for these layoffs, which have been caused by other factors."

"We're working with governments around the world to make ourselves heard. We bring real value to global companies, and it would only hurt them if they dispensed with our services," he said.

Asked about the industry outlook for this year, Bhasin said last October they had estimated an annual growth of 13 percent over the next two years after ending the last fiscal year with an overall increase of 16 percent. But that's "no longer achievable."

"Although we expect to grow at a lower pace this year, our sector will still outgrow other sectors," despite the recession as "the fundamental premise of our business remains unchanged," he said.

"We see ourselves as part of the solution to the global recession," Bhasin said noting "that ours is still a small industry; our biggest firm has revenues of only $6 billion. We still have a lot of runway ahead."

Markets rise to polls, may falter later

The stock market gets election fever too. The mercury rises on theexchanges in the run-up to the elections, and drops just as sharply after the process is complete, according to Mumbai-based brokerage KR Choksey Securities. 

However , local market movements will not defy international trends under any circumstances. This time round, says the brokerage, watch how the market starts moving up from March 23 — the polls begin on April 16 — and how it falls from May 6, a week before polling ends in most constituencies. 

The firm has analysed the 
generalelections of 1996, 1998, 1999 and 2004. According to its report, 25 days before the elections, the Sensex gained an average of 8.8% and dropped by 28.8% in the 20 days following the elections. 

Punters prefer BJP or Congress-led 
governments. VK Sharma, director of Ahmedabad-based Anagram Stock Broking told ET: “If the Left parties or Mayawati appear to play a predominant role in the government, the markets will react bitterly.” 

He adds that if international markets show signs of recovery, domestic markets will “discount all negative (political) news and move upwards.” 

Says DD Sharma, research head at the Mumbaibased Anand Rathi Securities , “If a BJP or Congress-led alliance comes into power, we may see a rally of about a 1000 points in the Nifty. But if we see the Third Front in the driver’s seat, markets may touch the previous low. However, all these projections are valid only for the short term. In the medium-to-long term, global movements will prevail.” 

Mr Sharma believes markets and elections may show a clearer correlation in the later stages, when the election survey and speculations start pouring in. 

Angel Stock Broking, which has also presented a report to clients on the likely scenario, post-elections , says the only concern for the markets may be a Left-led government at the Centre.

Market may correct 15% post election

MUMBAI: Over the next 6-8 weeks, Merrill Lynch expects concerns of a hung Parliament post-election and expected slowing in corporate earnings will likely worry the market. “We believe this could lead to a 15% correction in the markets,” the investment bank says in a report. 

On the elections, the brokerage believes (a) there will likely be a hung Parliament i.e. none of the three combinations - Congress-led UPA, BJP-led NDA and the Third Front - will be able to come to power (b) post-election results new alliances are likely -regional parties like BSP and AIADMK will be important (c) the probability of a Third Front government coming to power is still low but increasing in its view. 

“Our best case scenario would be a Congress government but with the Left being a key ally in it,” it adds. 

According to ML, most of the present alliances are fluid and many parties would be willing to reconsider their alliances post-elections. “We think 2 regional parties - Mayawati’s BSP and Jayalalita’s AIADMK would play a crucial role in deciding the Government. The role of the Left parties, though weakened, should also be important,” ML says. 

Despite the break-down of seat sharing with Mulayam Singh’s SP in Uttar Pradesh and Laloo Yadav’s RJD in Bihar, ML thinks both will continue to be part of the Congress-led UPA. The investment bank thinks the UPA still has a slight edge since they can get Left support again. The BJP-led NDA, on the other hand, could need the support of BSP, Jayalalita’s AIADMK, Naidu’s TDP as well as its old ally BJD

Saturday, April 11, 2009

How Does Inflation Impact Our Life ?

Inflation is when prices continue to creep upward, usually as a result of overheated economic growth or too much capital in the market chasing too few opportunities. Usually wages creep upwards, also, so that companies can retain good workers. Unfortunately, the wages creep upwards more slowly than do the prices, so that your standard of living can actually decrease.

Inflation hurts your standard of living because you have to pay more and more for the same goods and services. If your income doesn't increase at the same rate as inflation, you will find your standard of living declining even though you are making more. Also, inflation doesn't impact everything equally, so that some things (such as gas prices) can double while other things (your home) may lose value. For this reason, it makes financial planning more difficult.

Inflation is really bad for your retirement planning because your target will have to keep getting higher and higher to pay for the same quality of life. In other words, your savings will buy less and less, so you will need to save more and more. However, everything you buy today costs more, so you have less left-over income available to save.

Inflation has another bad side effect....once people start to expect inflation, they will spend now rather than later, because things will only cost more later. This consumer spending heats up the economy even more, leading to further inflation - this situation is known as spiraling inflation because it spirals out of control.

It is also important if you are holding bonds or Treasury notes. These fixed price assets only give a fixed return each year. As inflation spirals faster than the return on these assets, they become less valuable. As they become less valuable, people rush to sell them, further depreciating their value. As their value becomes lower, the US government is forced to offer higher interest rates to sell them at all.

What Is Deflation?

The definition of deflation is when asset and consumer prices continue to fall. This may seem like a great thing to consumers, except that the cause for deflation is a long-term drop in demand. Unfortunately, a drop in demand means that a recession is already underway, with job losses, declining wages, and an ongoing decline in the value of your home and your stock portfolio. Deflation is a result of businesses dropping prices in a desperate attempt to get people to buy their products.

Officially,deflation is measured by a decrease in the Consumer Price Index. However, the CPI does not measure stock prices, which retirees use to fund purchases, and businesses use to fund growth. It also does not measure housing prices, instead using rental equivalent. This often lags home price declines, and underestimates deflation in the CPI.

To combat deflation, the RBI executes an expansionary monetary policy. It reduces interest rates, and increases the money supply in an attempt to jump-start economic growth. In addition, the government can offset deflation with expansionary fiscal policy. It can put more money into circulation by lowering taxes, increasing government spending, and incurring a temporary deficit to do so. Of course, if the deficit is already at record levels, that tool may no longer be available.

Like inflation, deflation is very difficult to combat once it is entrenched. As businesses and people feel less wealthy, they spend less, reducing demand further. Prices drop in response, giving businesses less profit.

How Would a Recession Affect You?

In a recession, economic growth falls dramatically. The stock market declines, and usually enters a bear market. This usually causes a "flight to safety", where investors buy Treasury Bonds, which causes interest rates to fall. Employers reduce new hiring, and eventually start laying off workers.

To revive the economy, the Federal Reserve usually starts lowering interest rates to spur business lending and investment. The Federal Government may institute tax breaks to spur consumer spending.

The current economic slowdown was started by a housing market decline which itself was initiated by the Subprime Mortgage Crisis. This decline also means that existing home values have fallen by 10%. In a recession, prices could fall another 5-10%.

How It Affects You

You have probably already felt the impact on your home's value, and therefore your home equity. This reduces your wealth. You will continue to feel the impact on your retirement savings, as stock prices decline, further reducing your wealth.

The greatest risk is if you are in an industry that has layoffs, and you lose your job. If you aren't laid off, then you will probably be asked to work longer hours to compensate for the new employees who aren't hired.

As the recession continues, you may benefit from lower interest rates and tax cuts, which are applied to everyone. Normally, this would help you refinance or get a better mortgage. However, lenders have become more stringent about credit standards, so you won't benefit unless you have great credit scores.

The Art of the Layoff...!!!!

  • Take responsibility.Ultimately, it is the CEO’s decision to make the cuts, so don’t blame it on the board of directors, market conditions, competition, or whatever else. In effect, she should simply say, “I’m the orifice. I made the decision. This is what we’re going to do.” If you don’t have the courage to do this, don’t be a CEO. Now, more than ever, the company will need a leader, and leaders accept responsibility.

  • Cut deep and cut once.Management usually believes that things will get better soon, so it cuts the smallest number of people in anticipation of a miracle. Most of the time the miracle doesn’t materialize, and the company ends up making multiple cuts.

    Given the choice, you should cut too deeply and risk the high-quality problem of having to rehire. If nothing else, it enables you to declare victory: “We’ve turned things around and we’re hiring again.” By contrast, multiple cuts are terrible for the morale of the employees who have not been laid off.

  • Move fast.One hour after your management team discusses the need to layoff employees, the entire company will know that something is happening. If you think you need to layoff people, then do so because it’s unlikely that a miracle will happen. Once people “know” a layoff is coming, productivity drops like a rock. You’re either laying people off or you’re not—you should avoid the state of “considering” a layoff.

  • Clean house.Painful as it may be, a layoff is a good time to terminate marginal employees. It’s good for the company because it can take care of many personnel issues at once without having to differentiate between people who aren’t performing and positions that you’re eliminating. It’s good for the marginal employee because he’s not tainted with getting fired. Finally, it’s good for the employees who remain because they can see that you have a clue about who’s performing and who isn’t—assuming you’re not clueless in making decisions.

  • Whack “Freddy.”Most executive have hired a friend, a friend of a friend, or a relative as a favor. When a layoff happens, all the employees will be looking to see what happens to “Freddy.” “Did he survive the cut or did he go? Is it cronyism or competence that counts at the company?” It should be true that Fred is dead.

  • Share the pain.When people around you are losing their jobs, you can share the pain too. Take a smaller office. Turn in the company car. Reassign your personal assistant to a revenue generating position. Fly coach. Stay in motels. Sell the box tickets to the ball game. Give your thirty-inch, flat-panel display to a programmer who could use it to debug faster. Do something, however symbolic.

  • Show consistency.I cannot understand how companies can claim that they have to cut costs and then provide severance packages of six months to a year of salary. You would think that if they wanted to conserve cash, they’d give tiny severance packages. Typically, there are three lines of reasoning for generous severance packages:

    • Cutting headcount, even with severance packages, is cheaper than keeping the employee around indefinitely, and we don’t want any lawsuits.

    • We have lots of cash, so our balance sheet is strong, but we need to cut heads to make our profit and loss statement look better.

    • Wall Street (or your investors) is expecting dramatic actions, so we need to do this to show the analysts that we’ve got what it takes to be a leader.

    None of these reasons makes sense to me. If you need to do a layoff to cut costs (and conserve cash), then provide minimal severance packages, cut costs as much as you can, conserve as much cash as you can. If nothing else, it’s a consistent story.

  • Don’t ask for pity.Sometimes managers go to great lengths to show the person they’re laying off (or firing) how hard it is on them. This reminds me of the old definition ofchutzpah: a boy murders his parents and then asks the court for leniency because he’s an orphan. The person who suffers is the one being terminated, not the manager.

  • Provide support.The odds are the people getting laid off aren’t “at fault.” More likely, it was the fault of top management—the same top management with golden parachutes. Hence, you have a moral obligation to provide services like job counseling, resume writing assistance, and job search help. There are firms that specialize in helping employees during “transitions,” so use them.

  • Don’t let people self select.We had a joke at Apple during the dark days of the late eighties that went like this: We should announce that employees who want to quit should come to a big meeting. Those who wanted to stay at the company should not attend. Then we would let the people go who didn’t attend the meeting and keep the ones who wanted to quit—because they were smart enough to know that we were in bad shape or that they had better opportunities elsewhere.

    The point is that if you let people choose to get laid off or retire, you might lose your best people. Deciding who to layoff should be a proactive decision: Select the go-forward team to ensure that you never have to lay people off again. You should not leave this to chance.

  • Show people the door.With few exceptions, all you should do is let people finish the day—maybe the week. (My theory is that Friday is the best day to do a layoff because it lets people have a weekend to decompress.) Showing people the door seems inhumane, but it’s better for both the people leaving and the people remaining.

  • Move forward.Let people say goodbye and then get going. This is when leadership counts because any yoyo can run the show in good times. It’s bad times when you separate the men from the boys and the women from the girls.

    After the layoff, this is what the remaining employees will be wondering about:

    • Guilt: “Why did I survive the cut and my colleagues didn’t?”

    • Future of my job: “Will I survive the next round of cuts if there are more cuts?”

    • Future of the company: “Will the company survive at all?”

    So you need to set, or re-emphasize, goals, explain what everyone needs to do to get there, and get going because the best way to move beyond a layoff is to get back to work.

  • Circulate with the troops.You might want to retreat to your office, turn off the phones, stop answering emails, and avoid everyone. This would be the worst actions to take. This is the time for you to motivate by walking around. Employees need to see you, talk to you, and seek your help and advice. They don’t want to think their leader is cowering in some foxhole. The brave face that you put on may be a charade, but it’s an important charade.



  • How to avoid being an IT layoff casualty?

    f you’re an IT worker, follow these steps now to avoid becoming a layoff statistic:

    1. Assess your project’s business value. If the project adds substantial value to the company, you may be safe. Projects established with solid ROI, and rooted in reasonable assumptions about business requirements, are the best. Unfortunately, many projects are expensive, wasteful boondoggles that shouldn’t ever be funded. If you’re employed on one of these, then escape immediately!
    2. Examine the project’s execution success. Even the best-laid plans go awry, and IT projects are no exception; in other words, even a great business case can’t compensate for lousy project delivery. If gridlock, sideways motion, and long delays characterize your project, then you’ve got to decide whether these problem are a temporary setback or a permanent state of affairs. If the latter, then get out now.
    3. Evaluate yourself. Having looked at the project, look even more closely in the mirror. Does the team recognize your accomplishments and think you’re doing a great job? When it comes to personal performance in tough economic times, being merely good is just not sufficient. Yeah, I know it sucks to work all those hours and then put in more study time at home, but getting canned in a recession is worse. Trust me, I’ve been there: I was laid off as a young IT guy in the aftermath of Black Monday in 1987. It wasn’t fun.
    4. Stay put or run like Hell. Based on honest analysis, decide your personal path forward. If your project is strategic and the team is executing reasonably well, then you may be okay. On the other hand, if signs point to toward project disaster, then perhaps you’d better get out. Use whatever time might be available to plan your next moves.

    HCL sacked 450 employees at Delhi and bangalore....

    IT services company HCL Technologies has asked 450 employees at its Delhi and Bangalore offices to leave. This is after the global downturn has impacted the revenues of clients of Indian IT companies, thereby dampening demand for software services.

    According to online reports going around the company had sacked 400 people in Delhi and another 50 in Bangalore in the last one-two months. The firm had earlier asked those on the bench, the buffer of employees kept on the rolls for new projects, to get assigned to projects or face the prospect of being asked to leave the firm, he said.

    The company made usual performance statement officially - “HCL follows a systematic process of performance review and development, and the expectation of the organisation is for employees to meet the stringent performance standards. This is a routine and ongoing process,”

    It may be noted that HCL has about 52,957 employees. Layoffs at other cities where HCL has offices like Chennai be may on cards next?

    Infosys Layoff - The IT giant Infosys Technologies fires 2100 employees - lays off fears confirmed

    The fear of  at  is finally confirmed!  Technologies the blue eyed company of Indian corporate community has finally shown the boot to 2,100 of its employees across the country.

    Reportadly they indicated that they have done this after an annual performance appraisal exercise concluded mid-March. This is said by none other than Mohandas Pai, head of the company’s HR, that based on the performance, 2,100 employees had left (or asked to leave?) . The company had a total headcount of 1,03,078.

    “The tolerance for non-performance has come down to zero,” Mohandas Pai, HR Head 

    • Appraisal conducted for 60,000 employees
    • Bottom 3.5% of the people were either outplaced (soft jargon for laid off) or left
    • Normally the bottom size is 5%
    • Trainees (about 45,000) were not part of this exercise.

    What needs to be seen is that taking clue from the leader - whether other IT companies in India will follow the suite?

    Saturday, March 28, 2009

    Withdraw your money from ATMs for free from April 1

    New Delhi: Bank customers will be able to withdraw money from any bank ATM for free from April 1, says an order by the country’s central bank.

    The Reserve Bank of India (RBI), in a notification, has ordered banks not to charge any fee for cash withdrawal and balance inquiry. All banks charged non-account holders Rs 20 for using their ATMs.

    The RBI order does away with that fee but if a customer uses a credit card to withdraw cash, then a bank will charge 2.5 per cent or Rs 300, whichever is higher. For cash withdrawn abroad, the charge is 3.5 per cent of the total amount withdrawn.

    India has over 32,000 Automated Teller Machines spread all over the country. The RBI order mandates that the ATM network of all the banks will be linked to one centre, the National Financial Switch, which will make ATM transactions seamless

    Source :http://ibnlive.in.com/news/withdraw-your-money-from-atms-for-free-from-april-1/88847-7.html


    Thursday, March 26, 2009

    Excellent article on cancer.

    AFTER YEARS OF TELLING PEOPLE CHEMOTHERAPY IS THE ONLY WAY TO TRY AND ELIMINATE CANCER, JOHN HOPKINS IS FINALLY STARTING TO TELL YOU THERE IS AN ALTERNATIVE WAY

    1. Every person has cancer cells in the body. These cancer cells do not

    show up in the standard tests until they have multiplied to a few billion.

    When doctors tell cancer patients that there are no more cancer cells in

    their bodies after treatment, it just means the tests are unable to detect

    the cancer cells because they have not reached the detectable size.

    2. Cancer cells occur between 6 to more than 10 times in a person's

    lifetime.

    3. When the person's immune system is strong the cancer cells will be

    destroyed and prevented from multiplying and forming tumours.

    4. When a person has cancer it indicates the person has multiple

    nutritional deficiencies.. These could be due to genetic, environmental,

    food and lifestyle factors.

    5. To overcome the multiple nutritional deficiencies, changing diet and

    including supplements will strengthen the immune system.

    6. Chemotherapy involves poisoning the rapidly-growing cancer cells and

    also destroys rapidly-growing healthy cells in the bone marrow,

    gastro-intestinal tract etc, and can cause organ damage, like liver,

    kidneys, heart, lungs etc.

    7. Radiation while destroying cancer cells also burns, scars and damages

    healthy cells, tissues and organs.

    8. Initial treatment with chemotherapy and radiation will often reduce

    tumor size.. However prolonged use of chemotherapy and radiation do not

    result in more tumor destruction.

    9. When the body has too much toxic burden from chemotherapy and radiation

    the immune system is either compromised or destroyed, hence the person can

    succumb to various kinds of infections and complications.

    10. Chemotherapy and radiation can cause cancer cells to mutate and become

    resistant and difficult to destroy. Surgery can also cause cancer cells to

    spread to other sites.

    11. An effective way to battle cancer is to starve the cancer cells by not

    feeding it with the foods it needs to multiply.


    WHAT CANCER CELLS FEED ON:

    a. Sugar is a cancer-feeder. By cutting off sugar it cuts off one

    important food supply to the cancer cells. Sugar substitutes like

    NutraSweet, Equal,Spoonful, etc are made with Aspartame and it is harmful.

    A better natural substitute would be Manuka honey or molasses but only in

    very sma ll amounts. Table salt has a chemical added to make it white in

    colour. Better alternative is Bragg's aminos or sea salt.

    b. Milk causes the body to produce mucus, especially in the

    gastro-intestinal tract. Cancer feeds on mucus. By cutting off milk and

    substituting with unsweetened soy milk, cancer cells are being starved..

    c. Cancer cells thrive in an acid environment. A meat-based diet is acidic

    and it is best to eat fish, and a little chicken rather than beef or pork.

    Meat also contains livestock antibiotics, growth hormones and parasites,

    which are all harmful, especially to people with cancer.

    d. A diet made of 80% fresh vegetables and juice, whole grains, seeds,

    nuts and a little fruits help put the body into an alkaline environment.

    About 20% can be from cooked food including beans. Fresh vegetable juices

    provide live enzymes that are easily absorbed and reach down to cellular

    levels within 15 minutes to nourish and enhance growth of healthy cells.

    To obtain live enzymes for building healthy cells try and drink fresh

    vegetable juice (most vegetables including bean sprouts) and eat some raw

    vegetables 2 or 3 times a day. Enzymes are destroyed at temperatures of

    104 degrees F (40 degrees C)..

    e. Avoid coffee, tea, and chocolate, which have high caffeine. Green tea

    is a better alternative and has cancer-fighting properties. Water-best to

    drink purified water, or filtered, to avoid known toxins and heavy metals

    in tap water. Distilled water is acidic, avoid it.

    12. Meat protein is difficult to digest and requires a lot of digestive

    enzymes. Undigested meat remaining in the intestines becomes putrefied and

    leads to more toxic buildup.

    13. Cancer cell walls have a tough protein covering. By refraining from or

    eating less meat it frees more enzymes to attack the protein walls of

    cancer cells and allows the body's killer cells to destroy the cancer

    cells.

    14. Some supplements build up the immune system (IP6, Flor-ssence, Essiac,

    anti-oxidants, vitamins, minerals, EFAs etc.) to enable the body's own

    killer cells to destroy cancer cells. Other supplements like vitamin E are

    known to cause apoptosis, or programmed cell death, the body's normal

    method of disposing of damaged, unwanted, or unneeded cells.

    15. Cancer is a disease of the mind, body, and spirit. A proactive and

    positive spirit will help the cancer warrior be a survivor. Anger, un-

    forgiveness and bitterness put the body into a stressful and acidic

    environment. Learn to have a loving and forgiving spirit. Learn to relax

    and enjoy life.

    16. Cancer cells cannot thrive in an oxygenated environment. Exercising

    daily, and deep breathing help to get more oxygen down to the cellular

    level. Oxygen therapy is another means employed to destroy cancer cells.