@liveankit

So, after a long time , u ppl have bcum unfortunate again... I have got few spare minutes to discuss my personal stories... means.. to write after a long time.. .!! The current month is October 2009... As we - the most diversed and NESW flowing blend of 38 students (2005-2010) are in the final year of a 5 year programme called MBA INTEGRATED PRACTICE ORIENTED PROGRAMME... We actually have a unique story... we wre 50 in the first year.. got reduced to 47 by the end of first year.. and finally 38 in the fourth year... The others got placed... not in the companies , but to an other variety minded classroom of a different B-SChool... Like every B-School we have the following attributes: 1.We are thinking sky high plans on placement 2. We are very curious to come out of college to corporate world 3. We have stopped studying in lieu of workin on placements 4. We hate sessionals and exams as they irritate the placement work But but and but... Unlike Every B-school we are doing nothing to achi...

What are Swiss bank accounts? Swiss bank accounts, are just like any other bank account, albeit the heightened security through sophisticated security systems and absolute privacy offered by Swiss banks. All Swiss banks are regulated by the Swiss Federal Banking Commission and serve clients from all over the world. What kinds of customers are allowed to open a Swiss bank account? Just like a normal bank, almost any individual can open a Swiss bank account. Swiss bank accounts aren't just for millionaires, criminals or government officials trying to hide ill-gotten wealth, or celebrities protecting their assets from former spouses. They're available to anyone and average people, too, have Swiss bank accounts. People who live in countries with unstable governments and banks in particular often turn to Swiss banks because of their security and privacy. How does a Swiss Bank account work? A non-Swiss national must be at least 18 years of age to open an account in a Swiss bank. The ...

History of free ATM usage Before April 1, 2009, if you had to use the ATM of any bank with whom you don't have any banking relationship, you ended up paying fees. It meant you had to find the closest ATM belonging to your bank to withdraw cash and make balance inquiries. So RBI introduced a directive to the banks to allow free use of ATM machines irrespective of which bank a customer had accounts with. This meant that irrespective of which bank you bank with, you could use any other bank's ATM free of cost. However the banks were only to charge for the cash withdrawal made by the customers by using their credit cards, while cash withdrawal on debit card was made free. So with effect from April 1, 2009, you could withdraw cash from any ATM free of charge. Banks make a loss However, this has not worked out in the favour of banks. Earlier when the use of ATM was not free, the interchange fee was borne by the customers. This fee covered the expenses incurred by both the concerned b...

I talked abt Change, almost in every post i wrote , Be it connected to me, my house , abt the things, abt the scenario... Change is Law of Life, Now i m talkin abt the change in ppl. A lot many say tht i have changed myself , some say it in positive aspect and for very few knights it is a point of criticism.. They say it because they have got a topic to utter against me... I know i have changed... But its not a complete sentence... TRUTH is - I HAVE CHANGED FOR THE PPL WHO HAVE CHANGED FOR ME, FOR THOSE WHO HAVE REIMAGINED ME IN TO SOME NEW PERSONA. Well, i m in no mood to complain abt the ppl who have changed or the ones who think i have changed, i still find them the same human souls as they used to be for me earlier, i m no one to decide who actually is right or wrong, cause i know just one thing... Everyone possesses a mirror to see what his activities are upto and whether he is right or wrong. Everyone has a well developed thought process to see the difference between truth and di...

Guys , i m writing again after a long time, ofcourse i know that i'll have to start with an excuse... why m nt writing ? Excuse for this...!! But days have been odd in my life, i hardly found the zeal, time and committment to write, blame it on my stupid routine, or the blend of problems i was grilled into... Well , on one side i have thousands of new developments tht i'll like to discuss, but on the other side , there are ample of doubts where to begin from... I seriously have lot the touch with this blog... fortunately part for me , some reader felt that i m not writing new posts and a request for writin came from him.... this might have acted as a trigger and made me click few buttons of the key board.... 2009 has seen a scarcity of the personal posts i have written in this blog... i dont know how to keep the momentum of writing on... Ab bhi i thought around ten times, on the things tht i should write... Well, for me professionally , the year started with one of the greates...

Measures: Cut in repo & reverse repo rates by 25 bps Impact: Though banks are reluctant to cut rates, some will prune their deposit rates within a month; rates for certificate of deposit (CD) were already down on Tuesday. Lending rates could soften at a later stage. Measures: Payment of interest on savings bank account on a daily product basis, wef April 1, 2010 Impact: Savers will get more out of their savings account and banks’ total payout would be much more. So, if an investor parks Rs 2 lakh and withdraws it 2 days later, she will get interest for two days instead of the lowest balance between 10th and 30th of a month. Measures: Review BPLR system; make credit pricing more transparent Impact: RBI wants banks to lower the prime lending rate (PLR), so that the interest rate comes down not just for new borrowers but also for existing corporates and individuals (like home and car loan borrowers). Measures: Up to Rs 1-crore loans against NRI deposits Impact: Currently, loan...

The Interim  Budget  does not have any major announcements that affect the industry, except for some measures such as extension of interest subsidy (on pre- and postshipment credit) to boost exports in sectors such as textiles, leather and gems & jewellery. A slew of measures were announced as part of the stimulus packages in early December 2008 and January 2009.  While some of these measures are positive for the respective sectors, the excise duty reduction (by 4%) across sectors has been mostly passed on to consumers. In the following sections, we assess the impact of all these measures, including announcements in the Interim  Budget , if any Automobiles The net impact of various policy changes is marginally positive across auto segments.  However, lower economic growth prospects, weak consumer sentiment, high interest rates and stringent disbursement norms will continue to impact automobile demand.  Due to the 4% reduction in excise duty announced in December 2008, and lower fue...

Life is just not abt the things u see , its beyond the watchable component, it is a complex of many things tht u may like or dislike..!! Well, writin after a long time, didnt feel like writin since long..!! Some events are really hard to accept, it takes time for u to take them as a part of life, well said- Life is nt a cake walk..  Some events of life just totally grill u and become an undesired part of life, u dont aspire to have them in ur life, but u r left with no options..!! Time since Sunday has been tough for me and my closest peers due to similar kind of situations .. none of us expected it , but in reality it did occur and has become an unexpected part... In a situation like this, u can do nothing beyond criticizin almighty for bringin this kind of fate..! , u have no control on situation , a total loss of self control..!!  Tough to describe this kind of situation..!! Today it ws the acid test... dont know hw we all perked with the situation... i wish things could have revers...

We all know abt the National Anthem... Lets read abt its code of ethics.. The Full version is : Jana-gana-mana-adhinayaka, jaya he Bharata-bhagya-vidhata. Punjab-Sindh-Gujarat-Maratha Dravida-Utkala-Banga Vindhya-Himachala-Yamuna-Ganga Uchchala-Jaladhi-taranga. Tava shubha name jage, Tava shubha asisa mange, Gahe tava jaya gatha, Jana-gana-mangala-dayaka jaya he Bharata-bhagya-vidhata. Jaya he, jaya he, jaya he, Jaya jaya jaya, jaya he! The above is the full version of the Anthem and its playing time is approximately 52 seconds. A short version consisting of the first and last lines of the National Anthem is also played on certain occasions. It reads as follows: Jana-gana-mana-adhinayaka, jaya he Bharata-bhagya-vidhata. Jaya he, jaya he, jaya he, Jaya jaya jaya, jaya he! Playing of the Anthem The full version of the Anthem shall be played on the following occasions: - Civil and Military investitures; When National Salute (which means the Command "Rashtriya Salute – Salami Shastr...