Few things to know abt Eco-Inverter Air Conditioner

After surviving last year super hot and humid summer in Kolkata, I finally decided to go for Air Conditioners which are day by day becoming important equipment at homes today. With increasing demand and widely available EMI schemes, it has mooted variety of brands and products availability in the market. Some of the brands that can be found in the market are Mitsubishi, Hitachi, Daikin, Panasonic, Sharp, LG, Carrier, O-General, Toshiba along with several indigenous brands like Voltas and BlueStar. Every brand offers non-Inverter air conditioners with variety of functions such as antibacterial air purifiers, anti-odour, energy efficiency where as the best offers of them offers newer and advanced technology like Inverter air conditioners.

In India room air conditioners are generally available from 0.8 to 2.5 Ton range denoting their cooling capacity class. Internationally the air conditioners are rated as 0.5, 1.0, 1.5, 2.0, 2.5 and 3 HP (Horse Power).

Below is a chart of the cooling capacity class:

0.5 HP = 6,000 BTU/Hr = 0.5 Ton
1.0 HP = 9,000 BTU/Hr = 0.8 Ton
1.5 HP = 12,000 BTU/Hr = 1.0 Ton
2.0 HP = 17,100 BTU/Hr = 1.5 Ton
2.5 HP = 24,000 BTU/Hr = 2.0 Ton
……..

As a consumer it became very difficult for me to determine which air conditioners to go with, I mean Inverters or non-Inverters, the one that provides the best bang for the buck and is also extremely energy efficient?

One way was to go the non-Inverter route where air conditioners are rated from 1 ~ 5 stars in terms of efficiency by Bureau of Energy Efficiency (BEE), a statutory body under the Indian Union Ministry of Power. Affixing BEE star label has been made mandatory by BEE to all the manufactures for the benefit of general public, showing the level of energy consumption by the non-Inverter air conditioner both in terms of absolute values as well as equivalent number of stars varying from one to five, in accordance with BEE stipulation. The greater the number of stars on the label, higher the appliance energy efficiency and lower its electricity consumption. While selecting the non-Inverter air conditioner refer to the BEE Star Rated Label affixed is must.

Energy Efficiency of Air Conditioner

Efficiency of an air conditioner is normally measured as Energy Efficiency Ratio (EER), which is the ratio of the cooling output, measured in British thermal units (BTU) per hour, to the power input (in Watts, and includes all inputs to compressor, fan motors and controls) to operate AC at standard rating conditions. This means a higher the EER, the more efficient the air conditioner is.

At times, EER is defined a little differently. The cooling capacity instead of being denoted in Btu/Hr is also denoted in Watts (1 BTU/Hr = 0.293 Watts). Thus EER is represented as Watts/ Watts or as a number without any units and will be assumed from now on.

EER Calculation of non-Inverter Air Conditioner

Non-Inverter Model: Hitachi i-Clean (RAU518ITDA)
Tonnage: 1.5 Ton
Star Rating: 5
Rated Cooling Capacity: 5274 watts
Total Power Drawn: 1524 watts
Rated EER: 5274/1524 = 3.46 

So the higher the EER number better is its efficiency and more costly it’s going to be, due to the use of more advanced technology.

BEE Chart of star ratings applicable to air conditioners for 2012 ~ 2013

1 Star -> 2.5 to 2.69 EER
2 Star -> 2.7 to 2.89 EER
3 Star -> 2.9 to 3.09 EER
4 Star -> 3.1 to 3.29 EER
5 Star -> 3.3 and upwards EER

And for 2014 ~ 2015

1 Star -> 2.7 to 2.89 EER
2 Star -> 2.9 to 3.09 EER
3 Star -> 3.1 to 3.29 EER
4 Star -> 3.3 to 3.49 EER
5 Star -> 3.5 and upwards EER

Lets assume someone buys a 5 star rated non-Inverter air conditioner in 2011 with COP of 3.1. By 2012 the same AC becomes a 4-star since 5-star requirement is 3.3 and by 2014 the same AC becomes a 3-star since 5-star now requires 3.5. By 2016 the same AC becomes a 2-star since 5-star now requires 3.7. So we find EER star rating of non-Inverter air conditioners to be an ever moving target and its star rating is respective to the year a particular model was released. This is very important to keep in mind while going for non-Inverter air conditioners.

The other way was to go for Inverter Air Conditioners which are sophisticated piece of equipment and expensive.

At the start up of an air conditioners operation, powerful cooling is required to reach the set temperature. After the set temperature is reached, less cooling is required to maintain it. A conventional non-Inverter air conditioner can only operate at a constant speed which is too powerful to maintain the set temperature. Thus, in attempting to achieve this, non-Inverter air conditioners switches the compressor ON and OFF repeatedly. This results in wider temperature fluctuations leading to wasteful consumption of electrical energy. 

The Inverter air conditioners on the other hand have a full-output operation mode to operate at maximum capacity as soon as they start thus reaching the targeted temperature faster than non-Inverter air conditioners and then drastically reduce energy consumption when the set temperature is achieved by going into energy-saving operation mode and varies the rotational speed of the compressor along with the indoor and outdoor fan motors for optimum performance at all times. This provides a highly precise method of maintaining the set temperature and drastically reduces wasteful cooling operation and energy consumption. 

Advantages of Inverter Air Conditioners

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Information from in-built sensors of both the indoor and outdoor units measuring temperature and humidity are processed at over 4000 times per second by Inverter air conditioners brain i.e. Digital Micro-computer Module which then maintains targeted room temperature and humidity by constantly controlling the voltage, current and frequency send to the compressors having highly energy efficient DC motor using magnetic force to operate the compressor rather than conventional AC motor used in non-Inverters in conjunction with the electronic pulse linear expansion valve to precisely control coolant pressure for more efficient heat exchange. High quality DC motors are also used in the indoor and outdoor fan units instead of AC motors to save energy, all being controlled by the same electronic digital micro-computer module.

'The Brain' of an Inverter Air Conditioner (Digital Micro-computer Module)



One has to understand that technology comes at a price. The hard earned money one pays for Inverter air conditioners are put in using much better quality components which never came with non-Inverters, reaping their benefits in terms performance and efficiency with significant reduction in power consumption. Also Inverter air conditioners produce no humidity when adjusting room temperature. This is very important since it is the moisture removed from the room which actually produces the feeling of cooling. If the air conditioners can effectively remove enough moisture from the room it will produce a feeling of comfort. 

'The Brain' of Inverter Air Conditioners are generally located on the Outdoor Units and their heatsinks are cooled by the ODU fan



Since I plan for extended use on a daily basis, I went for Inverter ones over cheaper non-Inverters. One will be astounded to learn in Japan almost all air conditioners are Inverter ones where as in India the same Japanese air conditioner companies sell normal non-Inverter 5 star rated air conditioners at same price of Inverter air conditioners since very few people know about the real benefits they offer in terms of cooling performance, efficiency and low power consumption under part load conditions. Thus they garner fat profit margins by selling 2~5 star rated age old technology.

Dokka Seethamma : Guest Is God': The Hospitality of a Hindu Saint

Guest Is God': The Hospitality of a Hindu Saint

The story of a holy woman who sacrificed her life's dream--and her dying wish--in order to serve the poor.

Considered a saint during her own life, Dokka Sitamma (1841-1909 C.E.) spent years feeding the poor and sick in her Indian village. After her death, the holy woman was lauded throughout India as "Apara Annapurna"- an incarnation of the goddess Annapurna. 

Everyone in Andhra Pradesh knew Dokka Sitamma, and everyone had an opinion about the elderly widow.

To the superstitious, Sitamma was an omen of bad luck because she, like all widows, was responsible for the death of her husband. To those blinded by caste and custom, she was an impudent old woman for refusing to remain confined to her house as a Brahmin widow should. But to the destitute and the devout, Sitamma was mercy personified, for she unfailingly fed the hungry.

With no children of her own to care for, and a heart overflowing with motherly love, Sitamma adopted the poor as her sons and daughters. "This illiterate moron is doing great harm by inviting those of a lower station into her home," sniffed the orthodox Brahmins, and when their condemnation failed to deter her, they took to humiliating her. Though the calumnies and threats and loneliness stung her, in the end they were little to one whose heart sung of compassion and love.

"Come in! Come in! I have just finished cooking and was hoping that you would join me for dinner tonight." Sitamma would quickly say this to those who came to her in need, thus sparing them the humiliation of having to beg for food.

Because of the chicanery of some unscrupulous neighbors who despised her ministry and prized her fertile fields, she found her large holdings reduced year after year until she was left with a small plot of land. A famine came and still Sitamma never turned away those in need, somehow managing to make her shrinking supplies feed a growing stream of hungry souls. And even when she had little to eat, she remained grateful for the opportunity to serve, for it gave her joy and feeding the poor was her chosen path to salvation.

One night after working in the kitchen for many hours, Sitamma thought: `I have served four decades and now my body has become worn out. I am nearing the end of my life. It is time for me to go to Varanasi. There I may pass away in peace with the Lord's name on my lips.'

For the last few years, Sitamma had dreamed of going to the holy city, for to die there was to be assured of liberation. Every time she set out, however, a desperate arrival or a traveling pilgrim prevented her from leaving. So she would return to her cooking and chanting, putting aside the only desire she had for herself, a desire that daily grew more powerful. But tonight she knew that the hours of her life were few and that only a handful of tomorrows remained.

When morning came, Sitamma gave away her last few possessions so as to bring her charitable works to a close. She hired a bullock cart for the first leg of her journey and set out for Varanasi. Though every rut and rock in the road jarred her old bones, and the sun was unmercifully hot, Sitamma was filled with a happiness that increased with each passing mile, for every turn of the bullock carts' wheels brought her nearer to the end of her earthly sojourn.

At eventide, Sitamma and the bullock-cart driver took shelter in a free roadside inn for traveling pilgrims. The hard day of travel weighed on her and she wearily lay down on a bed of rags. As she began to fall asleep, she was awakened by the cries of young children in the next room.

"I know that you haven't eaten today, but we don't have any food to give you, my love," she heard a father's voice consoling his daughter.

"Can't you ask for some? I'm hungry and my stomach hurts."

"It's not fit for us to beg. It would be better to starve. But don't worry. Tomorrow we will go to the home of Sitamma. She never sends away those who are hungry."

"Why is Sitamma the only one we can ask?"

"Because she treats her guests with respect and never expects anything in return for her charity."

Once the family had fallen asleep, Sitamma began to stir. "Get up, get up!" she whispered to the snoring cart driver. "We must leave right away!"

"What is the rush? If you have waited for 40 years to go Varanasi, you can surely wait one more day," the driver sleepily said. "We can't travel at night anyway. The road is filled with bandits and wild animals."

"I cannot wait." Sitamma firmly replied.

"Grandmother, do you want to die in a ditch tonight or die in Varanasi in a week?"

"Get up this instant! I have paid you to drive me and we are leaving!" And with that, the two travelers stole into the night.

With the first rays of dawn, the starving family awoke and set out eagerly in the direction of Sitamma's village, unaware that the one they were looking for had been lying but a few feet away.

The family traveled the same rough and wild road as Sitamma, the whole way the children crying from hunger, their mother and father struggling to soothe them despite their own wretched condition. By evening they reached Sitamma's village and after a few inquiries found the dirt path that led to her home.

Seeing the darkened little house, the father despaired: `Is that a candle light in the window or is it the reflection of the moon? Do I hear the clanging of a pot or is that the sound of a cowbell?'

The mother feared, `She's not home. If she is, will she receive us? Have we come all this way for my children to die of hunger.'

Before the father could knock on the door and end the family's suspense, it swung open. The fragrant smell of dal and rice greeted them.

"Come in! Come in! I have just finished cooking and was hoping that you would join me tonight," Sitamma cheerfully said.

If they had not tried to conceal their tears of gratitude, the family might have observed that Sitamma's sari was frayed and sullied from the dust of the road. If they were not so fatigued, the family might have noticed that Sitamma was trembling with exhaustion from having spent the night being bounced and bruised in the bullock cart and then having to cook this meal. If they were not so hungry, the family might have seen that Sitamma's cupboard and garden were bare, and that she had taken the shame of begging upon herself from her neighbors so that they could eat.

Sitamma did not die in Varanasi. It was reported, however, that upon her death, a great light burst forth from the roof of her house and shot up into the heavens.

Is your Passport processing stuck somewhere ?

Did the Police complete their verification?

Has the police verification report been sent to the regional passport office?

Try to get the information on this site http://hydpolice.appolice.gov.in/passverhyd/passver.html


Also, try to file a petition in below link.
http://www.rtination.com/submit-your-rti-application

They will charge Rs150. Next day RTI team review it and send a copy to your e-mail. Read the application again, sign it and send it to them.
You will get prompt response from passport officer within 30 days and your passport will deliver after 5 days.
I went so many times to passport office to enquire status, but it didn’t works. I filed RTI, within 30 days I received passport to my address.

WHY TO VISIT TEMPLES ???

Scientific Reason :


There are thousands of temples all over India in different size, shape and locations but not all of them are considered to be built the Vedic way. Generally, a temple should be located at a place where earth's magnetic wave path passes through densely. It can be in the outskirts of a town/village or city, or in middle of the dwelling place, or on a hilltop. The essence of visiting a temple is discussed here.


Now, these temples are located strategically at a place where the positive energy is abundantly available from the magnetic and electric wave distributions of north/south pole thrust. The main idol is placed in the core center of the temple, known as "*Garbhagriha*" or *Moolasthanam*. In fact, the temple structure is built after the idol has been placed. This *Moolasthanam* is where earth’s magnetic waves are found to be maximum. We know that there are some copper plates, inscribed with Vedic scripts, buried beneath the Main Idol. What are they really? No, they are not God’s / priests’ flash cards when they forget the *shlokas*. The copper plate absorbs earth’s magnetic waves and radiates it to the surroundings. Thus a person regularly visiting a temple and walking clockwise around the Main Idol receives the beamed magnetic waves and his body absorbs it. This is a very slow process and a regular visit will let him absorb more of this positive energy. Scientifically, it is the positive energy that we all require to have a healthy life.


Further, the Sanctum is closed on three sides. This increases the effect of all energies. The lamp that is lit radiates heat energy and also provides light inside the sanctum to the priests or *poojaris* performing the pooja. The ringing of the bells and the chanting of prayers takes a worshipper into trance, thus not letting his mind waver. When done in groups, this helps people forget personal problems for a while and relieve their stress. The fragrance from the flowers, the burning of camphor give out the chemical energy further aiding in a different good aura. The effect of all these energies is supplemented by the positive energy from the idol, the copper plates and utensils in the *Moolasthan*am / *Garbagraham*. *Theertham*, the “holy” water used during the pooja to wash the idol is not
plain water cleaning the dust off an idol. It is a concoction of Cardamom,*Karpura* (Benzoin), zaffron / saffron, *Tulsi* (Holy Basil), Clove, etc...Washing the idol is to charge the water with the magnetic radiations thus increasing its medicinal values. Three spoons of this holy water is distributed to devotees. Again, this water is mainly a source of magneto-therapy. Besides, the clove essence protects one from tooth decay, the saffron & *Tulsi* leafs protects one from common cold and cough, cardamom and *Pachha Karpuram* (benzoin), act as mouth fresheners. It is proved that *Theertham* is a very good blood purifier, as it is highly energized. Hence it is given as *prasadam* to the devotees. This way, one can claim to remain healthy by regularly visiting the Temples. This is why our elders used to suggest us to offer prayers at the temple so that you will be cured of many ailments. They were not always superstitious. Yes, in a few cases they did go overboard when due to ignorance they hoped many serious diseases could be cured at temples by deities. When people go to a temple for the *Deepaaraadhana*, and when the doors open up, the positive energy gushes out onto the persons who are there. The water that is sprinkled onto the assemblages passes on the energy to all. This also explains why men are not allowed to wear shirts at a few temples and women are requested to wear more ornaments during temple visits. It is through these jewels (metal) that positive energy is absorbed by the women. Also, it is a practice to leave newly purchased jewels at an idol’s feet and then wear them with the idol’s blessings. This act is now justified after reading this article. This act of “seeking divine blessings” before using any new article, like books or pens or automobiles may have stemmed from this through mere observation.


Energy lost in a day’s work is regained through a temple visit and one is refreshed slightly. The positive energy that is spread out in the entire temple and especially around where the main idol is placed, are simply absorbed by one's body and mind. Did you know, every Vaishnava(Vishnu devotees), “must” visit a Vishnu temple twice every day in their location. Our practices are NOT some hard and fast rules framed by 1 man and his followers or God’s words in somebody’s dreams. All the rituals, all the practices are, in reality, well researched, studied and scientifically backed thesis which form the ways of nature to lead a good healthy life.


The scientific and research part of the practices are well camouflaged as “elder’s instructions” or “granny’s teaching’s” which should be obeyed as a mark of respect so as to once again, avoid stress to the mediocre brains.

What's America's most promising company

No. 1: Smashburger -- $39.4 million in annual revenue


The company runs a chain of 131 "fast casual" restaurants throughout the United States and is expanding to Canada and the Middle East. Menu items include burgers, chicken sandwiches, salads, beer and wine. CEO Dave Prokupek previously was chief executive at three firms in various industries. The company has raised $20 million in private equity since inception in 2007.


No. 2: Boku -- $55 million in annual revenue


Founded in 2008, the company creates software that helps online merchants process payments using a customer's cell phone number in place of a credit card; it then takes a small cut of each transaction. Big customers include Facebook and Electronic Arts (ERTS 0.00%).



Boku has raised $42 million in venture capital from stalwarts Andreesen Horowitz, Khosla Ventures and others. Founders Mark Britto, Ron Hirson, and Erich Ringewald have each sold companies they founded or lead.





No. 3: Digital Broadcasting Group -- $21.3 million in annual revenue


Launched in 2006, it produces online videos -- marketing disguised as entertainment -- for corporations and places them (as well as traditional video ads) among a network of 2,600 websites. Customers include Wal-Mart Stores (WMT +0.27%), American Express, (AXP +0.68%), Coca-Cola (KO +0.36%) and Ford (F +2.70%). Chris Young, Digital Broadcasting's chief executive, sold KlipMart, an online video ad company, to DoubleClick in 2006.




No. 4: Popchips -- $45.3 million in annual revenue


Makes snacks that contains zero trans or saturated fats. CEO Keith Belling is a serial entrepreneur whose previous ventures include a coffee chain, a restaurant group and the allbusiness.com website. The company raised $6 million in August. Celebrity investors include Ashton Kutcher, David Ortiz and Sean Combs.




No. 5: Implantable Provider Group -- $19.6 million in annual revenue


Founded in 2004, the company buys medical implants (like pacemakers), gives them to hospitals and collects reimbursement directly from insurance carriers. Hospitals like this arrangement because it lowers cash outlays on inventory and avoids the need to deal with carriers. The carriers like it because they tend to reimburse IPG at a lower rate than hospitals require. IPG makes money by purchasing implants in bulk and selling them at a markup. The company raised $35 million from Sequoia Capital in March 2010.


No. 6: Virtual Instruments -- $23.5 million in annual revenue
 Launched in 2008, the company sells software and hardware that help large corporations monitor their IT systems in real time. (Think of it as an MRI for IT infrastructure.) Clients include Wells Fargo (WFC +1.39%) and eBay (EBAY -0.62%). In 2010, CEO John W. Thompson, former chief executive of Symantec (SYMC +1.66%), raised $22.5 million from Lightspeed Venture Partners, Next World Capital and Riverwood Capital.


No. 7: Allonhill -- $19.3 million in annual revenue


Founded in 2008, the company audits residential mortgage loan files for institutions that buy or sell mortgage-backed securities. Everything from the borrower's income and property value to the authenticity of signatures gets a look from one of Allonhill's 530 employees. Founder and CEO Sue Allon funded the company with proceeds from the 2004 sale of her last company, Murrayhill, which also managed risk related to mortgage securities.


No. 8: SecondMarket -- $37 million in annual revenue

Founded in 2004, the company provides an electronic exchange for $30 billion worth of hard-to-trade assets, including shares of privately held companies (think Facebook), restricted shares in public companies, collateralized debt obligations, auction-rate securities and bankruptcy claims. In February, it raised $7.5 million from Temasek Holdings (Singapore's sovereign wealth fund) and another $7.5 million from Li Kashing, Hong Kong's richest man. In October 2011, SecondMarket raised $15 million from The Social+Capital Partnership.
 No. 9: ServiceNow -- $93 million in annual revenue
 Founded in 2004, the company provides a Web-based, virtual IT service desk for corporations. If someone's hard drive breaks, for example, that employee uses ServiceNow to create a work ticket and get it fixed. Marquee customers include Johnson & Johnson (JNJ +0.25%), Barclays (BCS +3.38%) and PriceWaterhouseCoopers. Founder Fred Luddy has nearly 40 years of experience in enterprise technology.


No. 10: Opower -- $11.4 million in annual revenue


Founded in 2007, the company creates software to help homeowners track and limit their energy use. The company sells the software to energy utilities, which use it to lure customers and comply with state regulations. Backed by $65 million from Accel Partners, Kleiner Perkins, and New Enterprise Associates. CEO and co-founder Dan Yates -- who sold his educational software company Edusoft to Houghton Mifflin in 2004 -- came up with the idea while driving from Alaska to the tip of South America.


No. 11: uSamp -- $22.7 million in annual revenue


Founded in 2008, the company makes online-survey software and has a network of more than 6 million respondents around the globe. The company charges according to the number and demographics of the respondents. J.D. Power & Associates is a marquee customer. Co-founders Gregg Lavin and Matt Dusig are childhood friends who together launched and sold two previous companies. They raised $10 million in venture capital from Openview Partners in 2010.


No. 12: 3Cinteractive -- $12.4 million in annual revenue

Founded in 2005, the company sets up software systems and mobile carrier relationships that enable businesses to communicate with customers via mobile phones. It was founded by three veterans of MCI in 2005. About $6 million in private equity was raised from Kayne Anderson Capital Advisors last spring. Former Apple (AAPL +1.04%) CEO John Sculley sits on the company's board; former Miami Dolphins quarterback Dan Marino made an early investment.


No. 13: Scale Computing -- $4.9 million in annual revenue

Founded in 2007, the company sells data-storage hardware to midsized companies in smaller increments (think Lego blocks for storage), allowing clients to shell out for only the amount of memory they need. CEO and founder Jeff Ready launched and sold three technology companies. The company has raised $17 million in venture capital from Benchmark Capital, Northgate and Scale Venture Partners.

No. 14: Contour -- $15.1 million in annual revenue


Founded in 2003, The company makes small, rugged cameras that athletes attach to their helmets or bodies for hands-free recording. Each camera comes with video editing software; other features include a Bluetooth connection that turns a user's mobile phone into a viewfinder. The cameras are sold through Best Buy (BBY +2.90%) and Dick's Sporting Goods (DKS +2.26%). Marc Barros and Jason Green started the company after winning $20,000 at an undergraduate business plan competition. They raised $5 million from Montlake Capital and Black Oak Capital in 2010.

No. 15: Fresh Diet -- $17 million in annual revenue
 Founded in 2005, the company delivers a day's worth of healthy food (three meals and two snacks) to customers who pay weekly or monthly subscription fees. It serves major U.S. metropolitan markets, including New York, Los Angeles and Miami. CEO Zalmi Duchman founded the company in his apartment with $500 on a credit card. He later raised $2 million from private investors.


No. 16: Four Winds Interactive -- $17 million in annual revenue


Founded in 2005, the company sells software to create and manage content on digital signs and interactive kiosks. Installations include outdoor screens on the Las Vegas Strip and the digital concierges at Marriott hotels. The three founders have declined to take any outside funding.


No. 17: HubSpot -- $15.6 million in annual revenue

Founded in 2005, the company sells web-delivered software that helps businesses manage "inbound marketing" (search-engine optimization, social media strategy) and traditional e-mail marketing. Monthly subscriptions range from $200 to $5,000, depending on features and number of e-mail contacts. The company raised $32 million from Sequoia, Salesforce.com (CRM +4.12%) and Google Ventures last spring. Dharmesh Shah, co-founder and chief technology officer, sold his previous company, Pyramid Digital Solutions, to SunGuard in 2005.



No. 18: Box -- $10.7 million in annual revenue


Founded in 2005, the company makes file-sharing, storing and collaboration software, delivered over the Web. Customers include Proctor & Gamble (PG +0.45%) and Dell (DELL +1.93%). Aaron Levie and Dylan Smith founded the company as college sophomores. They got some of initial funding by cold-emailing Dallas Mavericks owner Mark Cuban. They also raised $81 million from a number of venture capital firms.

No. 19: IntegriChain -- $5.7 million in annual revenue

Founded in 2007, the company makes software for pharmaceutical companies looking for a better window into their sales and inventory data. iIntegriChain's software can help customers tally the inventory at a single pharmacy, or even see the number of units that pharmacy sold on any given day. Among its clients are Novartis (NVS +2.04%), Johnson & Johnson (JNJ +0.25%) and GlaxoSmithKline (GSK +2.11%). Clients sign three- or five-year contracts for access to IntegriChain's dashboard, which can display data myriad ways to make sales teams more efficient.




No. 20: Lending Club -- $6.7 million in annual revenue

Founded in 2007, the company runs a "peer-to-peer" lending website for personal loans. It assesses applicants' risk and allows investors to lend directly to them or spread their money across a number of loans. It charges borrowers an origination fee of between 1% and 5%, depending on credit risk, and assesses creditors a service fee equal to 1% of the loan amount. CEO and founder Renaud Laplanche sold TripleHop Technologies, an enterprise software company, to Oracle (ORCL +2.46%) in 2005. Lending Club raised $25 million in venture capital in August.

Another Useful Link:
http://technolog.msnbc.msn.com/_news/2012/01/18/10182285-what-an-internet-protest-looks-like

How to get CIBIL Score

Cibil – The Indian Credit bureau has now come up with a process for customers to know there Cibil Score and the status. Customers who have applied in last two years for loans have been faced with issues of there loans getting rejected for Cibil reference check done by banks. Customers never had the information on there current credit score or which banks have reported negative about them in Cibil.



But with the increased customer demand Cibil has come out with a process to let the customer know there Cibil score and its report.


But all this is with a price.Cibil is asking rs 142 per report of an individual and atedious process.


Here are few ways that you can get your Cibil record


Online

Download a form from


http://www.cibil.com/pdf/Consumer_Disclosure_Form.pdf


1.Please fill the form and send it to the below mentioned email address


Email-myreport@cibil.com


2. Mail self attested hardcopies of your lastest Identity Proof and Address Proof documents and Fees of D.D RS 142 to P.O.BOX 17, Millennium Business Park, Navi Mumbai- 400710


3. Once CIBIL receives the documents and Fees3, your request will be processed and copy of your CIR will be dispatched to you.


Calculate your emi of home, personal and car loans with emi calculator online.



Offline via Post


1. Write to CIBIL with the CIR Request Form duly filled in


2. Also mail self attested hardcopies of your Identity Proof1 and lastest Address Proof documents and Fees of Rs 142 D.D to P.O.BOX 17, Millennium Business Park, Navi Mumbai- 400710


3. Once CIBIL receives the documents and Fees3, your request will be processed and copy of your CIR will be dispatched to you.



Phone Call at 02261404300



Fax CIBIL the CIR Request Form duly filled in


2. Mail self attested hardcopies of your Identity Proof1 and latest Address Proof2 documents and Fees3 to P.O.Box 17, Millennium Business Park, Navi Mumbai 400710


3. Once CIBIL receives the documents and Fees3, your request will be processed and a copy of your CIR will be dispatched to you.

The payment is to be made in name Credit Information Bureau (India) Limited payable at Mumbai .


Hopefully by knowing your report you will know whats are your credit relationships which are decreasing your scores and can take care of it.As we see it, its quite a task to get these reports, but something is better than nothing.

iTunes: Clear All Library and Playlists

My iTunes was a rickety mess. I had links to songs that didn’t exist on my hard drive anymore, duplicates and a bunch of playlists that I didn’t need anymore. I wanted to start over. I could delete all of this data by individually selecting each item and deleting them, but that’s a pain. There is an easier way. Here’s what I did.

1. Close iTunes.

2. Open My Documents > My Music > iTunes.

3. Right-click iTunes Music Library.xml and select Rename. Give it a name of iTunes Music Library.old. Do the same thing for the iTunes Library.itl file.

4. Open iTunes. The library, playlist, ratings will then be cleared out. New iTunes Music Library.xml and iTunes Library.itl files will be created.

5. You can now drag and drop your music files you want to get back to the main window of iTunes. The main folder for iTunes music is located at My Documents > My Music > iTunes > iTunes Music. It’s a good idea to organize your music files first before you re-add your music files back to iTunes to avoid duplicates and errant file names.

Girls Please Beware

Be aware before using Trial rooms or Wash rooms in shopping malls there may be pinhole cameras/ two-way mirrors.

When we visit toilets, bathrooms, hotel rooms, changing rooms, etc., How many of you know for sure that the seemingly ordinary mirror hanging on the wall is a real mirror, or actually a 2-way mirror i.e., they can see you, but you can't see them. There have been many cases of people installing 2-way mirrors in female changing rooms or bathroom or bedrooms.

HOW TO DETECT HIDDEN CAMERAS IN TRAIL ROOM?

In front of the trial room take your mobile and make sure that mobile can make calls........

Then enter into the trail room, take your mobile and make a call.....

If u can't make a call......!!!!

There is a hidden camera......

This is due to the interference of fiber optic cable during the signal transfer......

HOW TO DETECT A 2-WAY MIRROR IN WASH ROOM OR TRAIL ROOM?

Place the tip of your fingernail against the reflective surface and if there is a GAP between your fingernail and the image of the nail, then it is a GENUINE mirror.

However, if your fingernail DIRECTLY TOUCHES the image of your nail, then BEWARE, IT IS A 2-WAY MIRROR! (There may be someone seeing you from the other side). So remember, every time you see a mirror, do the "fingernail test." It doesn't cost you anything. It is simple to do.

This is a really good thing to do. The reason there is a gap on a real mirror, is because the silver is on the back of the mirror UNDER the glass.

Whereas with a two-way mirror, the silver is on the surface. Keep it in mind! Make sure and check every time you enter in hotel rooms.

Please forward this to your friends to educate this issue to the public......To prevent our innocent ladies from HIDDEN CAMERA...........

Why LokPal Bill ?????

See how Lokpal Bill can curb the politicians.

Circulate it to create awareness...

Existing System	System Proposed by civil society
No politician or senior officer ever goes to jail despite huge evidence because Anti Corruption Branch (ACB) and CBI directly come under the government. Before starting investigation or initiating prosecution in any case, they have to take permission from the same bosses, against whom the case has to be investigated.	Lokpal at centre and Lokayukta at state level will be independent bodies. ACB and CBI will be merged into these bodies. They will have power to initiate investigations and prosecution against any officer or politician without needing anyone's permission. Investigation should be completed within 1 year and trial to get over in next 1 year. Within two years, the corrupt should go to jail.
No corrupt officer is dismissed from the jobbecause Central Vigilance Commission, which is supposed to dismiss corrupt officers, is only an advisory body. Whenever it advises government to dismiss any senior corrupt officer, its advice is never implemented.	Lokpal and Lokayukta will have complete powers to order dismissal of a corrupt officer. CVC and all departmental vigilance will be merged into Lokpal and state vigilance will be merged into Lokayukta.
No action is taken against corrupt judges because permission is required from the Chief Justice of India to even register an FIR against corrupt judges.	Lokpal & Lokayukta shall have powers to investigate and prosecute any judge without needing anyone's permission.
Nowhere to go - People expose corruption but no action is taken on their complaints.	Lokpal & Lokayukta will have to enquire into and hear every complaint.
There is so much corruption within CBI and vigilance departments. Their functioning is so secret that it encourages corruption within these agencies.	All investigations in Lokpal & Lokayukta shall be transparent. After completion of investigation, all case records shall be open to public. Complaint against any staff of Lokpal & Lokayukta shall be enquired and punishment announced within two months.
Weak and corrupt people are appointed as headsof anti-corruption agencies.	Politicians will have absolutely no say in selections of Chairperson and members of Lokpal & Lokayukta. Selections will take place through a transparent and public   participatory process.
Citizens face harassment in government offices. Sometimes they are forced to pay bribes. One can only complaint to senior officers. No action is taken on complaints because senior officers also get their cut.	Lokpal & Lokayukta will get public grievances resolved in time bound manner, impose a penalty of Rs 250 per day of delay to be deducted from the salary of guilty officer and award that amount as compensation to the aggrieved citizen.
Nothing in law to recover ill gotten wealth. A corrupt person can come out of jail and enjoy that money.	Loss caused to the government due to corruptionwill be recovered from all accused.
Small punishment for corruption- Punishment for corruption is minimum 6 months and maximum 7 years.	Enhanced punishment - The punishment would be minimum 5 years and maximum of life imprisonment.

Spread it like fire...

Our Nation needs us..

Please Contribute..

This is not just a forward, it's the future of our Nation.

It's for a better tomorrow

 

Arrested

Hi ,

I just sent a fax to Chattisgarh CM, Raman Singh asking them to free activists Ramesh Agarwal and Dr. Harihar Patel.

Please read the mail below and take action. http://www.greenpeace.in/take-action/support-brave-activists-fax-raman-singh.php

Regards,

---

Dear ,

Stand up against coal and they put you in jail! Activist Ramesh Agrawal and Dr. Harihar Patel were arrested and Mr. Agrawal was even inhumanly chained to his hospital bed for exposing an environmental violation in Chattisgarh.^[1]

Click here to ask CM Raman Singh to free activists Ramesh Agrawal and Dr. Harihar Patel

Mr. Agrawal and Dr. Patel exposed irregularities in the environmental clearance process for a coal fired thermal power plant being built by the Jindal group in Raigarh.^[2] In return, they have been arrested on false charges. Their first two appeals for bail have been denied. A third bail plea will be heard at the Chattisgarh high court this week.

This is a struggle to save our environment from permanent damage. We need to act fast to help free Mr. Agrawal and Dr. Patel.The Chattisgarh Chief Minister, Raman Singh needs to know that people across the country support brave activists like Ramesh Agrawal and Harihar Patel.

You should sign this fax asking Chattisgarh CM to free the brave activists and investigate those responsible for the false charges against them.

http://www.greenpeace.in/take-action/support-brave-activists-fax-raman-singh.php

The fax says 'Mr. Chief Minister, respect public opinion - release the activists and investigate those responsible for the false charges against them.'

Your signature will be faxed to the CM's office. People across the country and even outside it have been demanding their release. Lots and lots of faxes flooding the CM's office will help add more strength to this demand. It will help put pressure on the authorities to take action.

Even as Mr Agrawal and Dr. Patel languish in prison our government is looking at ways to fast track private coal mining projects in dense forest areas. A Group of Ministers entrusted with the task of choosing between the last remaining forests of central and eastern India and coal,^[3] will meet next month to discuss this.

There are renewable energy ^[4] and energy efficiency measures can help meet our needs. Instead of looking at the alternatives the government is trying to gag those who are trying to stand up against coal, to save our environment and forests. Speak up now! Ask CM Raman Singh to free activists Ramesh Agrawal and Dr Harihar Patel.

http://www.greenpeace.in/take-action/support-brave-activists-fax-raman-singh.php

Thanks a billion!


Preethi Herman,
Climate and Energy Campaigner,
Greenpeace India.

---

Sources:

1. RTI activist arrested, chained to hospital bed, CNN-IBN, June 2, 2011
http://ibnlive.in.com/news/rti-activist-arrested-chained-to-hospital-bed/156273-3.html

2. Arrest of an activist raises uncomfortable questions, Times of India, June 4, 3 2011
http://articles.timesofindia.indiatimes.com/2011-06-04/india/29620090_1_sessions-court-chhattisgarh-patel

3. Coal GoM to fast-track 8 projects, big firms to gain, Business Standard, June 10, 2011
http://www.business-standard.com/india/news/coal-gom-to-fast-track-8-projects-big-firms-to-gain/438596/

4. Renewable energy can power the world, says landmark IPCC study, Guardian, May 9, 2011
http://www.guardian.co.uk/environment/2011/may/09/ipcc-renewable-energy-power-world

anilkullam@gmail.com

You are receiving this email because someone you know sent it to you from the Greenpeace site. Greenpeace retains no information about individuals contacted through its site, and will not send you further messages without your consent -- although your friends could, of course, send you another message.

Lokpal Bill - Hats Of to Anna Hazare.....

1. Who is Anna Hazare?

An ex-army man. Fought 1965 Indo-Pak War. He was awarded PadmaBhushan and is a known figure for his social activities.

2. What's so special about him?

He built a village Ralegaon Siddhi in Ahamad Nagar district, Maharashtra.

3. What is special about this village?

This village is a self-sustained model village. Energy is produced in the village itself from solar power, biofuel and wind mills. In 1975, it used to be a poverty clad village. Now it is one of the richest village in India. It has become a model for self-sustained, eco-friendly & harmonic village.

4. Really, what is he fighting for?

He is supporting a cause, the amendment of a law to curb corruption in India.

6. How that can be possible?

He is advocating for a Bil, The Lok Pal Bill (The Citizen Ombudsman Bill), that will form an autonomous authority who will make politicians (ministers), bureaucrats (IAS/IPS) accountable for their deeds.

5. It's an entirely new thing right..?

In 1972, the bill was proposed by then Law minister Mr. Shanti Bhushan. Since then it has been neglected by the politicians and some are trying to change the bill to suit thier theft (corruption).

6. Oh.. He is going on a hunger strike for that whole thing of passing a Bill ! How can that be possible in such a short span of time?

The first thing he is asking for is: the government should come forward and announce that the bill is going to be passed. Next, they make a joint committee to DRAFT the LOK PAL BILL. 50% government participation and 50% public participation. Because you cant trust the government entirely for making such a bill which does not suit them.

7. Fine, What will happen when this bill is passed?

A LokPal will be appointed at the centre. He will have an autonomous charge, say like the Election Commission of India. In each and every state, Lokayukta will be appointed. The job is to bring all alleged party to trial in case of corruptions within 1 year. Within 2 years, the guilty will be punished. Not like, Bofors scam or Bhopal Gas Tragedy case, that has been going for last 25 years without any result.

8. Is he alone? Who else is there in the fight with Anna Hazare?

Baba Ramdev, Ex. IPS Kiran Bedi, Social Activist Swami Agnivesh, RTI activist Arvind Kejriwal and many more. Prominent personalities like Aamir Khan, Anupam Kher, Talat Aziz, Faroq Sheikh etc. are supporting his cause.

9. Ok, got it. What can I do?

At least we can spread the message. How? Putting status message, links, video, changing profile pics. At least we can support Anna Hazare and the cause for uprooting corruption from India. At least we can hope that his Hunger Strike does not go in vain. At least we can pray for his good health.

I am sending this out to all my contacts. My humble request to all is to do the same and spread the word.

8 things to know about IE9

Software giant Microsoft has launched the latest version of its browser, Internet Explorer 9 (IE9), in India. Unveiled at TechEd India 2011 in Bangalore. According to one report, when all versions of browsers are taken together, Internet Explorer leads the pack with 45% market share.

It's Available for download in 30 languages, the latest version of Microsoft Web browser reportedly tallied 2.3 million downloads on its first day of release.

Here's looking into all that's new in Microsoft's latest browser.

1.Speed: Internet Explorer 9 claims to be much faster than its predecessor. According to Microsoft, IE9's new graphic capabilities boost the browsers' performance. This means high-definition videos can now run smooth, graphics would be clearer and responsive and colours will be more clear, claims Microsoft. Hardware-accelerated text, video, and graphics speed up performance and make websites perform like programmes that are installed on the computer.

2.New Design: The latest version of the Internet Explorer has all several design changes. The back button has gone larger, the address bar and search box are combined into one address bar, and the multiple menus from previous versions of Internet Explorer are consolidated into a single menu.

3.Pin your favorite sites: The Pinned Sites feature in IE allows users to get their favourite sites directly from the Windows taskbar without having to open the browser first. To pin a site a user just needs to click the icon on the left of the Web address in One Box, or the tab for the website, or the website's icon on the New Tab page, and then drag it to the taskbar. Once a site is pinned, it shows up as its own thumbnail, separate from Internet Explorer.

4.Combined Search & Address bar: The latest version of Microsoft IE comes with One Box which has the functionality of combined search and Address bar. One Box allows users to either navigate to a website or start a search from one place. With this, users can start typing a Web address and AutoComplete helps them get to the websites quickly. And with the integrated search functionality, users don't have to remember the full web address.

5.Tab Page: With IE9, users can get a quick access to the sites they visit most often and can also reopen closed tabs or the last browsing session, or start an InPrivate Browsing session. The New Tab page also gives suggestions and information to help users decide what to browse next.

6.Performance Advisor: Add-on Performance Advisor tells users if an add-on is slowing down the browser. The features works by identifying add-ons that may be slowing down the browser. It gives users information about which add-on they need to disable or how to fix the problem.

7.Privacy: IE 9 has also added several new privacy features. There's a Tracking Protection that limits the browser's communication with certain websites to keep users' browsing activities private. The Tracking Protection feature helps users decided which third-party sites can receive their information and track them online.

8. Download Manager: Internet Explorer 9 has also got a Download Manager. The feature lets users see the status of their downloads, provides information about whether they might be potentially harmful, offers security checks on the downloaded files, and shows the final location of downloads. Download Manager keeps a running list of the files downloaded from Internet, notifies if a file could be malicious, and allows to pause and restart a download.

 So Download the free version of IE9 now & enjoy enhanced web browsing experience!