DIGITAL WORDS

Snapbomb is back

2009-12-23T23:09:00.001+05:30

Snapbomb is up again, did you check? After a long time I came back, trying to login , and got the message which says it is down until further notice, did you get any notice when it went to sleep?

in reference to: Snapbomb Buzz Marketing (view on Google Sidewiki)

Compare Mobile Phones

2009-12-21T21:35:00.001+05:30

Check this site, new in India, I saw few sites like this in US may be 3 years back, dint know when it come live, but good thing is that it is for Indians. And I think you should check this cool site. Visit http://www.consumermate.com

Long time and I am back

2009-12-19T22:21:00.000+05:30

It is almost 1 week now, I made a post here on this blog, actually last week I was experimenting with WordPress. I shifted this blog to WordPress, then tried to import all posts. But there was one problem, the URLs, google has already indexed all pages of Digital Words, and if I change the URLs this blog may lose search engine ranking. So I decided to get back to blogger again. And this process took time as I was busy with different things. But now it is all set and back, I have few new blogs up and running too. I will make a different post about them later.

Where to submit Press Releases for free ?

2009-12-13T17:24:00.001+05:30

Press Releases can do miracle for your web based business, if they are published at right place. You should publish your content in such a site where from you get good backlink and traffic. Visit Free Press Release and submit your press release today to get maximum visitors and good backlinks to increase search engine ranking.

New blog about Stock Market

2009-12-12T22:36:00.000+05:30

I have started a new blog on share market and stocks, Equitykb.co.cc , it's hosted on wordpress. I started investing in stocks before the market fell in mid of 2008. I had no clue about good stocks, other than people suggesting me to buy something I had no other clue about how to choose the right stock. So I realized the need of a blog which will tell you about the basics about stock market, and as a result, today I started my own blog on share market, so that after understanding the basics of stock market, you can start investing in company stocks and make money.

Free Colgate Total toothpaste

2009-12-12T12:13:00.001+05:30

I got this email from an advertiser, this is something really interesting, what if you get a toothpaste for free ? Yes, you can get Colgate Total for free, this is a free promotional offer from Colgate Total, to promote their product. And if you are from India you can get one toothpaste for free too. So go grab one sample today.

Get paid for emails

2009-12-05T18:10:00.000+05:30

Hey do you know about paid emails ? Well a paid email is not like an email from a female, here, you need to read email, and you ca actually earn some real money online. Yes, many of such paid emails are scams, but all are not. It is really easy to read an email and make money, but it is tough to search for the best paid email sites. Even I do not know about many paid email sites. But I started searching for best paid email when I was doing my engineering, and was in 2nd year, so 4 - 5 years back. And I found Donkeymails.com , one of where you can get paid for reading emails They are real, not scam, in this site you can get paid to read emails and click on advertiser links too to make some extra bucks. Payout is as low as $1 in PayPal and $.01 in E-Gold. There is another genuine get paid to read site, TaketheInternetback.com. They launched their site with a blast, but they are still on, as I read plenty of paid emails for free and make some online money reading emails. You can try that site too, and start making free money today, it is really fun and easy to get paid to read.

Easy ways to make money - CPM ads

2009-12-05T10:05:00.000+05:30

Do you want to earn money with your blog or your website ? You can try CPM ads, these are bit different from CPC or cost per click ads. CPM rates are less, as advertiser pays you when you get one impression on your web page or blog page. So stop searching for how to make money with blogs, because this is how to make money with blogs, just paste the cpm code, and try to get visitors, your will make money online.

I use CEOADS to make money online with CPM ads. They pay well, and you should try them too, click here to visit CEOADS.

Buy Replica Watches online

2009-12-04T23:57:00.000+05:30

Are you planning to watches? Well, watches are something which is useful and symbol of fashion too. We wear it with style, but only style is not all that you want or need from it, time is money, and you need your watch to show you the correct time. So in short you need both quality and style together. So when you are looking for a watch to buy, you must consider the style and quality and the price is a concern too.

Visit http://www.perfectwatches.net/ for best brands and best deals. Here you will get brands like replica watches, rolex watches so you go to this internet shop and pick up watch of your choice, and the price they ask for is very reasonable.
And one more thing, wherever you are in the world, you can buy rolex replica watches from this store, and the shipping is free. And one more thing, this is not a shop with little options you will have a wide range of choices, so you will compare between different watches. If you have any issue or doubt you can directly chat with them to clarify doubts, you can reach them by phone too, every detail is available at the site. So rush to the site today. And yes, you can buy watches both for man and woman.

Evaluation of Bank Stability - Islamic Financial System

2009-12-04T18:32:00.002+05:30

The Z score is a standard to measure the firmness of the bank. Thus the Z score can be considered as the primary dependent variable of individual bank risk. The Z score is inversely proportional to the probability of a bank’s insolvency. In short the value of its asset gets reduced than the debt value. This is the root cause of the popularity. The z-score can be summarized as

z≡(k+μ)/σ, where k is equity capital and reserves as percent of assets, μ is average return as percent of assets, and σ is standard deviation of return on assets as a proxy for return

Volatility. The Z score assess the frequency of standard deviations a long with a counter realization so as to fall in order to reduce equity, under the presumption of normalcy of bank’s returns. A higher Z score is equal to a reduced higher bound on insolvency risk. Thus a higher z score depicts a lesser probability of insolvency risk.

The metric for risk apply to Islamic banking also. There are a variety of advantageous features for z score. Among this the most important one is that it is a comparatively better objective assessment of level headedness of the bank among other financial institutions. Thus it is a better tool for comparison. It is an objective assay as it centers on the risks of insolvency. This can be better explained as the Z score focus on the risk that a bank, whether conventional or Islamic runs in short of capital and reserves. The Z score is applicable to both banks that uses a high risk or high return strategy as well as with a low risk or low return strategy. But this is applicable only when both these strategies cause the same risk adjusted returns.

For instance, if an institution selects to have a low risk adjusted returns, it can also retain the same or an upper z score provided it has an increased capitalization. Thus z score serves well as an objective assessment method to analyze the soundness of a bank.

There are criticisms against z score application. When z score is applied to Islamic banks, the risk sharing offers an additional safeguard buffer in financial obligation. This means that the book values of capital and reserves undervalue the fiscal strength of these banks. A greater portion of Islamic bank’s financial liabilities includes investment accounts that are perceived as a type of equity investment. Mostly it will be on the basis of Mudarabah. An investment account comes in a variety of forms. Usually it is linked to a pre agreed period of maturity that can be from a month or above. The funds in the account can be normally withdrawn if an advanced one month notification is given. The profits as well as returns are allotted between depositors and the bank on the basis of pre –determined ratio. For instance, a distribution of 80 % to the depositors and 20 % to the bank. At the utmost point, it could be debated that a bank with only limited investment accounts would be near to a mutual fund in terms of its risk profile with utmost risk transferred to the investors. Even along with uncontrolled investment accounts, most of the risks in principle amount are abided by the investors.

A counter statement against the criticism is that the conventional banks surpasses the risks to their customers. For instance, through their capability to be compatible with the deposits and loan rates. In the case of Islamic banks, layer’s of protection get depleted and once after the bank start to get the loses, a shock will affectthe capital and reserves. These extra layers of protection will finally reflect in the return’s and capital as well as in their z score. Most of the investment accounts can be drawn back in a comparatively short time period. The return distribution between the bank and depositors or investors is preset. It decreases the factual variations in risk profiles affiliated with investment accounts, in comparison with the floating rate deposits and other normal commercial funding by the commercial bank. The capital and reserves are a reasonable proxy variable to measure the last line default risk while the variations between Islamic and conventional banks are considered.

As an initial step in the assessment, a basic statistical test for the z scores is performed. Thus the z scores of Islamic and commercial banks are compared. Since the bank size matters, the already published papers on bank soundness, the banks can be categorized into large and small Islamic banks as well as large and small commercial banks. This helps to accomplish pair wise comparisons of z scores for the sub categories.

Regression Analysis

As a major step in testing, the regressions of z scores as a function of a number of variables. Islamic banks are more or less stable than the commercial banks.

A general class of panel models of the form

z B I T T I B T M C D , , , , 1 , 1 , 1 , , 1 , 1 , , =α +β +γ +Σδ +Σφ +Σϕ +ϖ +Σλ +Σπ +ε − −

where the dependent variable is the z-score i j t z , , for bank i in country j at time t; i, j,t−1 B is a

vector of bank-specific variables; j,t−1 I contains time-varying industry-specific variables;

s T and s j,t−1 T I are the type of banks and the interaction between the type and some of the

Industry-specific variables; j t M , , j C , and t D are vectors of macroeconomic variables,

Country and yearly dummy variables, respectively; finally, i, j,t ε is the residual

To differentiate the effect of bank type on the z score, a dummy variable with value 1 if the bank in question is an Islamic bank, and 0 otherwise for a commercial bank. For instance, if Islamic banks are relatively weaker than commercial banks, the dummy variable would give a negative sign in the regression explaining z-scores.

At country level analysis, the impact of Islamic banks over other banks and the theory that the Islamic bank reduces the systemic stability has been examined. With regard to this, the market share of Islamic banks by assets of every year and country and interfere it with the Islamic and commercial bank dummies.

Impact of Sharia Scholars in Islamic Financial System

2009-12-04T18:31:00.005+05:30

Modern Islamic financial systems are greatly impacted by the Sharia Scholars. They play a key role in many factors. They ascertain the financial frame lying underneath as well as the commodities and services in accordance with the Sharia principles. Majority of the modern financial establishments performs with reference to the Sharia principles. They also have a separate Sharia Supervisory Board to ascertain the agreement among the Sharia scholars. This concept is put forth by DIFC in 2007.

Evolution of Modern Islamic Finance

The ignition of modern Islamic finance based on Sharia principle was at Egypt in 1963. This was done with Mit Ghamr savings project..The second Islamic Summit of Lahore in the month of February 1974 created an increased demand for Islamic fiscal policies. The emphasis for the development of the Islamic fiscal institutions focused to serve the Muslim community. The Muslim community always prefers to practice Sharia principles to meet the financial requirements. There were lots of consequences after the summit. The major result of the summit was the establishment of Islamic Development Bank as well as Dubai Islamic Bank in 1975. This was the first commercial Islamic bank. After this great demands for Islamic financial policies arise. As a result of this growing demand, Sharia dependent investments and financial commodities had received a wide appraisal across the world. The industry experienced a consistent growth in 1980s and early 1990s.

The former decade marked a steady rise in the Islamic finance. The details can be obtained from various publications. According to the report in the November issue of The Banker, the Sharia dependent assets marked an increasing annual growth rate of about 30%. The Bank is a reputed journal and hence the data produced are reliable. The Islamic finance is considered as the most accelerated financial sector across the world. Such a fast pace growth is seen in almost all countries with marked Muslim population. The countries with Muslim majority include Australia Europe, Russia, and Canada, Japan as well as other Asian countries. There are a variety of reasons for this fast paced growth. The increased demands from Muslim population and oil rich Gulf investors to broaden their portfolio added to the accelerated growth of Islamic banking policies.

Problems Related with Business Finance in Islamic Economics

2009-12-04T18:31:00.002+05:30

Islamic communities were exposed to modern banking facilities at a time when they were at politically, socially and economically backward conditions. The people are in demand of funds to meet their daily expenditure. The business, government and other institutional requirements require monetary support for their productive as well as non productive needs. All these requirements of the individuals as well as the establishments are grounded within the substance of Islamic theory of capital. These fund demands will be met with the institution of Zakat and the grant of Qarz-e-Hasna. The fund requirements also vary. It may be required either by loan capital or on participation in the performance results basis of the enterprise. The Islamic principle proposes that the like needs to be returned for the like and any exuberant loan amount would be regarded as Riba. The Riba is strictly forbidden. There are variations in the case of physical capital, metal as well as products like gold. Here the loan repayment will be stringent in pertaining the initial form, physique and essence of the adopted capital. The condition of pertaining the form, essence and shape can be met by repaying the loan in terms of exact loan amount when it is transferred in terms of paper currency and ultra modern financial transfers.

Another concept in Islamic financial policies is the ‘Modaraba’. The financial relationships than loans that were discussed above is based on ‘Modaraba’. This concept visualizes on the basis of the idea that when one party offers fund and other provides the skills or ‘Musharika’, where both parties provide with the funds.

Percepts of Islamic Frameworks

2009-12-04T18:30:00.005+05:30

The Islamic financial policies sprouted as an idea and later it developed into a reality. The root principle of Islamic financial policies is the Sharia rules. It determines the economic and social set up of the Muslim community. This principle is derived from the holy book Qu’uran and Sunnah, the teachings and commandments of Prophet Muhammad. The following principles are the major basis of Sharia laws.

The foremost law of Sharia is the avoidance of Riba. Riba is the Islamic version of the modern economic term ‘interest’. According to Sharia, Riba is an unlawful increment of wealth. Islam is against the isolation of wealth concentrated in few hands. This idea is highlighted by the modern economist Ibrahim Wade. The current Islamic system substituted the interest compensation with the monetary flux on loss and gain system by putting in wealth producing strategies.

With reference to the Islamic scholars, Riba is limited in every forms and materializations. Thus it supports the preaching of the Quran. The concept regarding wealth generation is explained crystal clear in the Holy book.

The holy book proposes the following great idea:

“Those who consume interest cannot stand [on the Day of Resurrection] except as one who stands being beaten by Satan into insanity. That is because they say, “Trade is [just] like interest.” But Allah has permitted trade and has forbidden interest. So whoever has received an admonition from his Lord and desists may have what is past, and his affair rests with Allah. But whoever returns [to dealing in interest or usury]- those are the companions of the Fire; they will abide eternally therein. Allah destroys interest and gives increase for charity. And Allah does not like every sinning disbeliever.” (Qur'an 2: 275-276)

• Keeping away from “Gharar” is another Islamic policy. Gharar refers to the doubtfulness and foresightedness or the hidden consequences. The Islamic economic methodologies stress on justice to all. It upholds the idea that the financial dealings must be fair and crystal clear to every body involved in the deal. There should never be a chance of pandemonium and misconception.

• Another policy is to stay away from those which are “Haram”. The businesses which includes pornography, alcohol, gambling and other activities that harm the society are activities that comes under Haram. Islam restricts money making through such activities.

• Partaking risks

Islam is rich with various philosophies involved in normal course of economic conditions. Partaking risks is a basic principle of Islamic economics. Riba or interests are exploitatory and economically interfering. It promises a consistent return of income irrespective of proportion to the borrower. The most allowable methodology is the equal sharing of loss and gain. This ideology was put forward by Ibrahim Warde in 2000.

• The impact of Islamic economic principles with reference to Sharia principle varies. It not only has dos and undos. These principles have immense on the social activities of an individual on another one as well as on the society. This philosophy is proposed by Chapra in the year 2000. Islamic economics have various features. The basic feature is the socio economic and allocation justice. The above mentioned concept is put forward by Muhammad Ayub in 2007.

Assessment of Security Interests under Islamic Financing with respect to the financial scenarios in UAE and UK

2009-12-04T18:30:00.002+05:30

Introduction
The article focuses on the Islamic financing as well as the various methodologies in it with reference to the British and Arabian economic scenario. There are a variety of reasons behind the growth and development of Islamic Financing. This proposal studies the developments as well as the hazards attached with this. The major principle behind Islamic financing is that it is affiliated to the Islamic laws and it aims at the Islamic economic developments. The article is as well a deep exploration in to the basic principles in Islamic banking. Majority of studies are focused on the huge economic principles of banking establishments in a separated, suitable economy. But this is an exploratory survey in to the comparatively smaller economic systems and the monetary facets provided in accordance with the Islamic rationales. The proposal makes use of the regression analysis and Net Present value methodologies to assess the Islamic security interests. This will also helps to understand the execution and drifts in the Islamic mortgages. The study also light up the security interests provided in accordance with Sharia standards. The major area focused on is the basic difference between the Sharia system and conventional equity based systems. Sharia refers to the Islamic principles. It includes a ban on the payment of interest fees for the loans. The late 20th century marked the flourishment of Islamic principles application in private or partially private commercial establishments in the Islamic communities. There are researches that support the fact that Islamic fiscal policies are more balancing and stable compared to the conventional financial policies. A spontaneous drift to a gain and loss share policy is not possible as well as unacceptable. Hence it is essential to have a look at the outlook of the Islamic fiscal policies. The present economic scenario can be described as a single sided liability based financial system. But it is quiet unstable one. The financial crisis, over expectation, currency failures, risks etc demands a more stable economy. These demands highlight the importance of more static financial policies like that in Islamic financial policies. But the Islamic fiscal policies are also not free from disadvantages. They are not expected to have a standard performance as they are strongly adhered to the Islamic principles. This research is a comparative analysis of the principles in Islamic Finance policies.

Principle
The aim of Islamic banking is same as conventional banking. It is distinct in the fact that it follows the Sharia principle. The growth rate of the sector is at a highly accelerated pace with a rate of about 30%. Islamic finance sector is not only concentrated in and around the Muslim countries. It is widely developed across the world with a marked Muslim population. The countries like the US, Japan, Australian sub continent, Europe and Canada comes in this. As per the rating of the November 2008 rating of The Banker, the Islamic finance system is proceeding in to the formal financial system at a fast pace. It is well accomplished in more than 47 countries through 614 financial establishments. These financial institutions include giants like Dow Jones with about 600 companies provides commodities based on Sharia principle. Other Multinational financial establishments with Islamic finance system include HSBC, Citibank, and Lloyds TSB etc. The list never ends in this. Many countries in Europe and the US house conventional banks with Islamic underlings to support the huge Muslim population. According to Ibrahim Warde,the commodities thus produced are not only used for the benefit of Muslims , but also for other religious populations.

The common man, monetary authorities as well as the policy shapers is not much aware of the Sharia amenable methodologies in Insurance as well as security interests acquainted in to the conventional monetary policy system. This general unawareness is inspite of the fact that the Islamic fiscal policies are aggressively developing at highly accelerated growth pace. The article spotlights few of the Islamic fiscal principles and commodities glued to these principles with reference to the mortgage stream.

Intention and Goal of the Proposal

Research Intentions:
The mortgage market is a highly fluctuating one. This paper concentrates on the complete execution of the Islamic mortgage stream in the UK as well as other Muslim countries like UAE and Pakistan. This entire project light up the contributing components in the growth and development of Islamic security interests through out a time period of the former five years.

Main aim of the proposal

• The major aim of this proposal is an analysis of the principles and products of Islamic financing. The products offered by the Islamic fiscal policies are not only enjoyed by the Islamic communities. The entire population across the globe enjoys the fruit of it. Hence an analysis of this is essential to create an awareness of Islamic financial policies.

• There has been a tremendous growth and development from the classic Islamic financing to the modern Islamic financing policies. So it is inevitable to have a look on the history of modern Islamic financing sector as well as the contributing factors for its growth and development.

• As in every other financial sector, Islam financial policies are not free from risks. Thus it is a necessity to analyze the hazards associated with the Islamic financing. This proposal excavates the risks in Islamic finance policies also.

• In every fiscal policy, there will be a variety of choices for housing finance. Like wise there are different types of housing policies in Islamic principles also. This research gives attention to this variety in house financing under Islamic principles.

• The functions and performance of Islamic mortgages varies across the globe. So a comparative study of different countries will be useful in analyzing the overall execution f Islamic financial policies. This proposal is based on the overall performance of financial establishments in providing Islamic mortgages in European countries like the UK and Islamic countries like UAE and Pakistan.

• There are various contributing factors for the growth and development as well as the execution of mortgage performance. This project finds out the interrelationship of those contributing factors.

Methods of Approach

Research Methodologies

The major technique used in this proposal is the direct observation method. This furnishes the exact data regarding the execution of the Islamic security policies in the global fiscal market. The London Stock exchange and the UAE stock exchange served as the data centers for collecting the information regarding the Islamic financial policies. Both these stock exchanges retrieve data of the past five years. This information proved to be helpful to analyze the entire execution of the Islamic fiscal policies. There are other sources of data regarding the Islamic mortgage policies. These sources include the yearly reports from financial establishments that offer security policies according to Sharia principle. Sharia principle implies non payment of interests for loans.

There are other reliable sources that provide information regarding the fiscal policies of Islam. The Islamic Financial Services Board, IMF, HM Treasury, Accounting & Auditing Organization for Islamic Institutes, FSA, The Islamic Finance Experts Group (IFEG) ETC. The data thus collected has been utilized to calculate the movements in the Islamic security policies. The Islamic mortgage market is a drifting one. It faces changes every now and then. Another methodology employed to calculate the varying trends was by channeling abrupt interviews. These interviews were conducted with experienced professionals in the field. Various Islamic mortgage advisors in London and UAE allowed precise interviews that helped to gather the maximum information regarding the topic. The information thus collected is more accurate since they are the primary contact with more deep knowledge about the panorama. These information helped to find out the important reasons that caused the variations in the security policy sector. The reasons always caused to light up the major goals in the analysis.

A detailed study and research of all the information thus collected lead to the conclusion. Main areas of the analysis depend on quantitative strategies. This information is thoroughly valued to have an idea of the market. The data thus collected from the above mentioned methodologies like stock exchanges, annual reports of financial establishments etc are construed. This makes an appropriate evaluation of the execution and drifts in the market. This can be tested by making use of the regression analysis using few variables like equity share, rental payments, cost worthiness etc. By this methodology, the consistency, durability and operation of the Islamic mortgage policies.
From the above furnished data the simple regression can be calculated as follows:
From the data collected, the simple regression will be calculated by
n ∑x.y - ∑x . ∑y
r = ---------------------------------------
∫[∑x2 - (∑x)2] x [n. ∑y2 - (∑y)2]

in which y is the independent variable i.e., equity share.
The importance of the correlation is further tested with the help of the hypothesis methods as under
H0: ρ = 0
H1: ρ ≠ 0
r- ρ
Tcalc= --------------------
Se(r)
Where Se(r) is the standard of r
Another methodology employed in the analysis is the Net present Value (NPV). This is a widely useful methodology to calculate the time value of money. This is proposed by Watson and Head in 2007. It is essential to analyze the present as well as futuristic value of security policies. Thus the current value of mortgage investment is to be obtained in the future so as to obtain the future value. The current value is to be multiplied by the Present Value Factor ie. 1
---------
(1 + r)n
Where n is the number of time period given at a particular rate of return which is known as the rental amount in case of Islamic mortgages.
Let (rental payment) Annuity = A and Discount Rate = r, Period = 4 yrs
So PV of annuity (rental payment) is calculated as under

The bracketed sum is the Present Value Annuity Factor (PVAF) at r% for 4 years. Present value is calculated by multiplying the Annuity with the PVAF
Various other methodologies are also employed in the analysis. IRR is one such method. It is proposed by Watson and Head. IRR is the Internal Rate of Return. IRR is also referred to as yield on investment and is the discount rate that makes the NPV zero.

Restrictions:
The Sharia dependent mortgage policy is a brand new methodology. Hence fewer materials are available on the topic. Hence a deep analysis of the process is quite difficult.

Review of Literature:
The Islamic banking is a newfangled phenomenon. It was introduced to meet the financial requirements of the deeply religious Muslim community. The Islam population deeply believes in the prohibition of Riba or unlawful rate of interest. The core interest of Islamic fiscal policies is the abolition of Riba. The construct of interest free monetary transactions is an old one. This concept is not only constrained in the Islam community. An example for the widespread transmission of the concept is the role of Halakh among Jews. Both Halakh of Jews and Sharia of Muslims have the same essence. The basic principle behind both is the same. Halakh and Sharia shares the same essence of interest free transactions. There are solid proofs to these ideologies. Strong evidence is provided by the Hebrew Biblical Exodus [22:25], Leviticus [25:35-7], and Deuteronomy [23:19-20].

There are other grounds to prove the existence of similar interest free transactions in other communities. The neoclassical economists like Friedman (1969), Simons (1948) and Fisher (1945) have a different view on the interest oriented financial system. They propose that the interest focused financial systems are fundamentally unstable. They point out few examples also. The oil crises, hyperinflation faced by developing countries, Asian financial crises, Enron Bankruptcy etc. The latest credit crises is another fine instance. It occurred because of the sub prime security policies linked with the insatiable desire and underrated hazards.

The modern versatile financial experts have a different opinion on Islamic fiscal policies. The economists of the present time like El-Gamel, Chapra, Abdul Gafoor, Khan and Zarqa depicted a huge economic consistency with the aid of a profit and loss sharing system according to the Sharia principles. This system can run beside or parallel to the conventional financial transfers.

There are other ideas on the Islamic mortgage policies. Another economic expert, Ibrahim Warde proposes a different ideology. His concept is that the globalization and global fiscal policies have a marked impact on the growth and flourishment of the Islamic finance. The latest trend is a perfect blend of conventional and Islamic banking policies and commodities. The advanced interest free commodities have impelled a financial modernization across the globe.

Payingpost is not paying

2009-12-03T21:57:00.000+05:30

Hi all, this is not a mail, but a blog post out of frustration, payingpost is actually not paying even after I completed my $100 there in November and was supposed to get paid b December. But I do not see any update or payment in my paypal. I read few reviews about them too, I hope they will pay it late, anyways I just need the money for the work I have done for them. I will update you once they pay me.

Award Winning JOKE

2009-12-02T16:58:00.000+05:30

This particular joke won an award for the best joke competition Organized in Britain:

A man walks into a bar in London and ordered 3-glasses of beer and sits in the backyard of the room, drinking a sip out of each one in turn.

When he finishes, he comes back to the bar counter and orders 3 more. The bartender asks him, “You know, beer goes flat after I fill it in the glass; it would taste better if you buy one at a time.” The man replies, “Well, you see, I have two brothers. One is in Dubai, the other in Canada and I’m here in London. When they left home, we promised that we’ll drink this way to remember the days when we drank together.”

The bartender admits that this is a nice custom and leaves it there. The man became a regular in the bar, and always drinks the same way. He order 3-Beers and drinks them in turn. One day, he came in and ordered only 2-Beers All the other regulars notice and fall silent.

When he comes back to the bar for the second round, the bartender says, “I don’t want to intrude on your grief, but I wanted to offer my sincere condolences on your great loss.”

The man looked confused for a moment, then he laughs.... “Oh, no,” he, said, “Everyone’s fine - both my brothers are alive”.

The only thing is I just quit drinking...!!!

Strike @ kolkata on 30th November 2009

2009-11-30T22:00:00.000+05:30

Today I experienced a strike by BJP, a major political opponent. It was a 12 hrs bandh. I faced the heat when I was going to office. Well I dint get much of it, but our bus stopped when our driver saw few mobs stopping cabs near Rajarhat, DLF building. We had to walk to our office, Guess what police was there near the Salt lake gate, and the BJP supporters were stopping th cars just at a distance of 10 minutes by walk. What a situation it was, it was all cool at Sat lake, but just before entering Salt Lake, people were facing the heat. Huh. I dint even know about the Bandh, I dint know about th political party and th issue, but saw the funny thing, irresponsible plice and few lads with sticks stopping cars.

Can I make money with my mobile phone or cell phone?

2009-11-29T23:15:00.000+05:30

Do you know you can make money with your mobile, and this is real easy? Remember those annoying SMS‘s from the service providers, such SMS can help you make money. And this is for Indians only, all Indians can make money, the registration and account checking process is online, rest the process is offline, does not take much from you. No writing, no time on computer, really easy and free money for Indians and you can earn online too. Most of these sites provide many other ways to make money.

You can choose the types of SMS you want and you can fix the timings too, you can make sure these paid SMSs are not coming at night and disturbing you. These paid SMSs are great; you get offers from advertisers and earn money with your cell phone.

Here are few of them with whom you can make money with your cell phone:

These are for Indians :

Jobs in Cleveland

2009-11-29T18:27:00.002+05:30

The job market is still not that good. Unfortunately the credit crisis taken a great toll on job market too, demand went low, and it is still not that high. So fresh graduates are still searching for jobs here and there. If you are one of them who are searching for a job, then let me guide you on this. Fortunately enough I got my job 2 years back, before the market fell badly. But like thousands of students I got great help from hound.com. You must be wondering why I am telling about this site only when there are thousands of them available. I guess you are searching for a job offer for quite a long time, and many of you have used those other job portals too. But can you tell me, how many of you got a positive response from employer after you applied even with a matching skill set the employer is looking for.
That is why I am talking about hound.com. It is better than monster. They do not display any paid advertises, they only shows the researched ads, from real employers. But this is not all about them, when you search for job there, you will see ads from directly employer’s career page. Now this is what no one does, and it reduces the chances for ads to be fake or old or expired. And one thing more interesting, do you know these jobs on career pages, often never come to the job portals, reducing the chance of getting noticed. If you are tired of trying cleveland craigslist then i would recommend you that better you switch to hound.com and search for city of cleveland jobs. So go and hunt for cleveland plain dealer jobs, cleveland clinic jobs, or cleveland state university jobs now.

customer care officers are dead at Buyblogreviews.com

2009-11-29T16:27:00.000+05:30

You know how to earn money with your blog, but do you know to waste your time and energy with your blog? Join buyblogreviews.com, start blogging for pennies. All those $1 offers, and moreover, the reason behind the post, I have 19 posts unapproved for months now. I tried to reach the customer care again and again, as the advertisers are not approving the posts made months back. They got their purpose solved, now whats the use of paying. So wanted to inform you, if you want to blog for money, and want to do it by writing paid reviews, then think twice before joining buyblogreviews, you have no assurance that they will make the advertisers pay your money.

Review -- Himalaya products online from Indiatimes.com

2009-11-29T16:10:00.000+05:30

This is not a paid post, last week , I ordered two products of Himalaya from Indiatimes.com. And I would like to say that although they took rs 25 as shipping cost, but I received the creams after 3 -4 days after I placed the order. So any one interested can bu from them on indiatimes.com, but then again , think about the price you are paying , you are paying bit higher than market place and taking the advantage of getting it delivered to your door step.

But keeping the profit the FMCG company's make, we can expect some good offers from them. I had Indiatimes shopping vouchers, I used those vouchers to buy these, else would have gone to the local store to buy these.

My Hindi post on blog

2009-11-29T15:22:00.000+05:30

ये है मेरा प्रोथोम हिंदी पोस्ट इस ब्लॉग में. अच्तुअल्ली में मैं बंगाली हूँ, मगर गूगल अवि वि बंगाली में ब्लॉग लिखने का बबोस्था नही किया है, सो मैं थोरा हिंदी लिखने का कोसिस कर रहा हूँ. आप लोगों में से कोई वि हिंदी में ब्लॉग लिखते हो क्या, तो अपना हिंद ब्लॉग का एड्रेस कमेन्ट पे दल दीजिये कृपा करके.

हम्म, बोहोत टाइप कर लिया, और देखा ये सॉफ्टवेर काफी अची है, आप वि देख सकते है, अगर आप हिंदी वासी हो और आपका मत्री वसा हिंदी है तो आपको अची समझ आयेगी, फोंट्स काफी बरिया है, और स्पेल्लिंग मिस्ताके वि सायद नही है, जो है सायद ओ मेरी इंग्लिश त्य्पो के बजे से है.

Paa -- Hit or flop?

2009-11-29T15:14:00.000+05:30

Hi, back after long time, well, I wasn't taking a break. But long hours in office kept me away from blogging. Last week was a busy week for me, and may be coming week will remain the same as the last. We are entering the last month of the year. Soon, we will wish each other a happy new year.

Well, I had to ask you something, what you think about the movie "Paa", starring the Bachans and Vidya Balan. On the very first look, what is your first impression? Balki is back again with his idea, remember the old + young love story in Cheeni Kum, starring Amitav and Tabu. Now " Paa".

Cheeni Kum was a flop, many people said that as it was a off bit story, going against Indian culture, as it is a taboo for or society, a old man cannot fall in love with a young woman, even if you ask me personally, I have problem to accept this fact that, a old man like Amitav in Cheeni kum, falling in love with the beautiful woman like Tabu in the movie.

Have you seen Curious Case of Benjamin Button ? Which took away the Oscar beating Slumdog Millionaire, with out reading an stor or review about Paa - a son father father -son story , I think , Benjamin kicked the grey cells of Balki's brain, and made him create the story then the movie.

Keeping all these aside, let me ask, what you think this time, can this be a hit? Will our Indian society believe in this story and will love it like they loved Koi mila Gaya or they will turn it down, like they did to Alag, people will remember Paa, for Amitavs new look, Abhiseks new hair cut, I do not know what will happen, let see, if it becomes a hit for its story, as I do not have any doubt that both AB and AB's baby will rock with their talent of acting..

FW: Chetan Bhagat Must Read

2009-11-25T12:18:00.001+05:30

*Speech by Chetan Bhagat at Symbiosis ...must read... *

Don’t just have career or academic goals. Set goals to give you a balanced, successful life. I use the word balanced before successful. *Balanced* means ensuring your health, relationships, mental peace are all in good order.

There is no point of getting a promotion on the day of your breakup. There is no fun in driving a car if your back hurts. Shopping is not enjoyable if your mind is full of tensions.

"Life is one of those races in nursery school where you have to run with a marble in a spoon kept in your mouth. If the marble falls, there is no point coming first. Same is with life where health and relationships are the marble. Your striving is only worth it if there is harmony in your life. Else, you may achieve the success, but this spark, this feeling of being excited and alive, will start to die. ……………….

One thing about nurturing the spark - don't take life seriously. Life is not meant to be taken seriously, as we are really temporary here. We are like a pre-paid card with limited validity. If we are lucky, we may last another 50 years. And 50 years is just 2,500 weekends. Do we really need to get so worked up? …………….

It's ok, bunk a few classes, scoring low in couple of papers, goof up a few interviews, take leave from work, fall in love, little fights with your spouse. We are people, not programmed devices........." :)

"Don't be serious, be sincere."!!

Nandan Nilekani's.....Fully integrated ID card system for Indian citizens!!

2009-11-23T11:41:00.001+05:30

Operator : "Thank you for calling Pizza Hut . May I have your..."
Customer: "Heloo, Heloo, can I order.."
Operator : "Can I have your multi purpose ID card number first, Sir?"

Customer: "It's he...,hold.. ........on. .....88986135610 2049998-45-54610"
Operator : "OK... You're... Mr Singh and you're calling from 17 Jal Vayu.
Your home number is 22678893, your office 25076666 and your mobile is 09869798888. Today morning you landed in India at IG International Airport. Welcome back, Sir.
Which number are you calling from now Sir?"

Customer: "Home! How did you get all my phone numbers?

Operator : "We are connected to the system , Sir"

Customer: "May I order your Seafood Pizza..."

Operator : "That's not a good idea ,Sir"

Customer: "How come?"

Operator : "According to your medical records, you have high blood pressure and even higher cholesterol level Sir"

Customer: "What?... What do you recommend then?"

Operator : "Try our Low Fat Pizza. You'll like it"

Customer: "How do you know for sure?"
Operator : "You borrowed a book entitled "Popular Dishes" from the National Library lastweek Sir"

Customer: "OK I give up... Give me three family size ones then, how much will that cost?"
Operator : "That should be enough for your family of 05, Sir. The total is Rs 500.00"
Customer: "Can I pay by! Credit card?"
Operator : "I'm afraid you have to pay us cash, Sir. Your credit card is over the limit and you owe your bank Rs.23,000.75 since October last year.
That's not including the late payment charges on your housing loan, Sir.."

Customer: "I guess I have to run to the neighbourhood ATM and withdraw some cash before your guy arrives"

Operator : "You can't Sir. Based on the records, you've reached your daily limit on machine withdrawal today"

Customer: "Never mind just send the pizzas, I'll have the cash ready. How long is it gonna take anyway?"

Operator : "About 45 minutes Sir, but if you can't wait you can always come and collect it on your Nano Car..."

Customer: " What!"

Operator : "According to the details in system ,you own a Nano car,...registration number GZ-05-AB-1107. ."

Customer: " ????"
Operator : "Is there anything else , Sir?"

Customer: "Nothing... By the way... Aren't you giving me that 3 free bottles of cola as advertised?"
Operator : "We normally would Sir, but based on your records you're also diabetic.... ... "
Customer: #$$^%&$@$% ^

Operator : "Better watch your language Sir..Remember on 15th July 2010 you were convicted of using abusive language on a policeman...?"
Customer Faints.....!