Friday, December 30, 2011

Careful while typing URLs as misspelling may take to you to a typosquatting website

Typosquatters register misspellings of popular websites in the hope that they will be able to make money out of traffic from unintentional typing mistakes made by internet surfers
In case you are one of the people who prefer to type a complete URL while surfing the Internet, here is a warning from IT security and control firm Sophos. It says one needs to be very careful while typing URLs otherwise you may be led to typosquatting websites like adult sites or phishing sites. Typosquatters register misspellings of popular websites in the hope that they will be able to make money out of traffic from unintentional typing mistakes made by internet surfers, the report added.

"It's so easy to mistype a URL, and it's inevitable that from time to time you will end up on an unintended website. In the worst cases, careless typing can lead you to a criminal website designed to steal your identity or phish your credentials. A good idea is to bookmark your favourite websites rather than rely upon your fingers working correct," said Graham Cluley, senior technology consultant at Sophos.

According to a study conducted by Sophos, there is a significant typosquatting ecosystem around high-profile, often-typed domain names. A huge 86% of the possible one letter misspellings of the Apple homepage led to typosquatting sites.

Sophos said it looked at typosquatting targeting its own website and those of Facebook, Google, Twitter, Microsoft and Apple. The study looked for registered websites for every single one letter typo of the company name: one
letter omitted (e.g. Sopos), one letter mistyped (e.g. Sphos), or one letter added (Ssophos).

Of the 14,495 misspelled URLs looked at in the study, 738 or 5.1% were categorized by Sophos as cybercrime or adult. The former should always be blocked; the latter should be blocked at least in the workplace or around children, the security firm said.

The highest proportion of the squatting sites, 15% led to advertising sites. Cybercriminals will register misspelled sites to make advertising revenue every time someone mistypes the name of a popular site. Around 12% were found to be IT & hosting pages—suggesting that they have been registered with the intention of being held onto and sold at a profit, which is also known as 'domain parking', the report said.

Another important factor that makes people to type the URLs, is security concern related with clicking on a link, which is good thing. In addition majority of people even try
to type the http or www and .com besides the URL. This can be avoided by using a shortcut. One should type the URL (like Google) and then press 'control+enter' buttons. This automatically adds the required http, www and .com in the URL.

10 Tips for Good Night's Sleep

10 Tips for Good Night's Sleep
1. Stick to a schedule. Erratic bedtimes do not allow for your body to align to the proper circadian rhythms. Mum was right when she set a time we always had to go to sleep as kids. Also, make sure you try to keep the same schedule on weekends too, otherwise the next morning, you'd wake later and feel overly tired.

2. Sleep only at night. Avoid daytime sleep if possible. Daytime naps steal hours from nighttime slumber. Limit daytime sleep to 20-minute, power naps.

3. Exercise. It's actually known to help you sleep better. Your body uses the sleep period to recover its muscles and joints that have been exercised. Twenty to thirty minutes of exercise every day can help you sleep, but be sure to exercise in the morning or afternoon. Exercise stimulates the body and aerobic activity before bedtime may make falling asleep more difficult.

4. Taking a hot shower or bath before bed helps bring on sleep because they can relax tense muscles.

5. Avoid eating just before bed. Avoid eat large meals or spicy foods before bedtime. Give yourself at least 2 hours from when you eat to when you sleep. This allows for digestion to happen (or at least start) well before you go to sleep so your body can rest well during the night, rather than churning away your food.

6. Avoid caffeine. It keeps you awake and that's now what you want for a good nights sleep. We all know that.

7. Read a fiction book. It takes you to a whole new world if you really get into it. And then take some time to ponder over the book as you fall asleep. I find as I read more and more, regardless of the book, I get more tired at night and so find it easier to fall asleep. Different for others?

8. Have the room slightly cooler. I prefer this to a hot room. I prefer to turn off the heat and allow the coolness to circulate in and out of the windows. If I get cold, I wear warmer clothes. It also saves on the bills as you're not going to require the heat all night long.

9. Sleep in silence. I find sleeping with no music or TV on more easy and restful. I guess others are different, but sleep with no distractions is best for a clearer mind.

10. Avoid alcohol before bedtime. It's a depressant; although it may make it easier to fall asleep, it causes you to wake up during the night. As alcohol is digested your body goes into withdrawal from the alcohol, causing nighttime awakenings and often nightmares for some people.

Thursday, December 29, 2011

Non-Veg Jokes !!

Man asks a wish to DEVIL. "Pls make me such a thing that i suck blood of all the beautiful women in this world".

Devil said "AMEN" and Immediately man turned to CARE FREE ( Sanitary Napkin).

A newly married man was standing in front of a mirror naked and was admiring his physique.

'2 inches more & I will be a king.'

Suddenly the wife comes in and says,'2 inches less and you will be a queen!'

 

Gujju women at chawpati stall.

First Lady: Mane Chat.

Second Lady : Mane Ragado.

Third Lady: Pehllun Chat Ane Pache Ragado
 

Boy : if I press your b**bs n run wat u will think ?

Girl: I will think "ek bewakof jo puri car chala sakta tha, sirf horn baja ker bhag gaya"

A very Sexy & attractive Female Employee meets her Boss & says, "Sir, would you mind removing something from my BREAST"

Boss: Anything for U..

Female Employee: Your f*cking Eyes, Sir!

 

What is the Similarity between Audio Cassatte and a Woman?

They can be Played from both Sides……..

Women's Life is very Hard

Morning: Wash Clothes,
Afternoon: Dry Clothes,
Evening: Iron Clothes,
Night: Remove Clothes,
Mid Night: Search Clothes

Whats the difference between Hook in Cricket and Hook of Bra?

One sends ball out of the boundary and Other keeps balls within the boundary.
 

A policeman arrested a prostitute in the Hospital area & asked for her profession.
Prostitute: I'm a social engineer.

Policeman: What do u do?
Prostitute: I build & destroy erections



Secret of long life

Morning two eggs,
evening two pegs

......and night two legs

Why are condoms transparent?

So that sperms can atleast enjoy the scene, even if their entry is restricted...!

Shocking Telegrams

 

 

Shocking Telegrams

 

 



TELEGRAM #1


A daughter sends a telegram to her father on her clearing B.Ed exams, which the father receives as:


"father, your daughter has been successful in BED."


***************

TELEGRAM #2


A husband, while he is on a business trip to a hill station sends a  telegram to his wife: "I wish you were here."


The message received by wife:  "I wish you were her."

 

***************

 TELEGRAM #3


A wife with near maturing pregnan! cy goes to railway station to return to her husband.


At the reservation counter, while her turn came, it was the last ticket.


Taking pity on a very old lady next to her in the queue, she offered her berth to the old lady and sent a telegram to her husband which reached as:


 "Shall be coming tomorrow, heavy rush in the train, gave birth to an old lady."
 


***************

TELEGRAM #4


A man wants to celebrate his wife's Birthday by throwing a party. So he goes to order a birthday cake.


The salesman asks him what message he wants to put on the cake.


Well he thinks for a while and says:


Let's put, "you are not getting older you are getting better".


The salesman asks, "How do you want me to put it?"


The man says, Well put "You are not getting older", at the top and "! You are getting better" at the bottom.


The real fun didn't start until the cake was opened the entire party watched the message decorated on the cake:


"You are not getting older at the top, you are getting better at the bottom".


***************

 
TELEGRAM #5


A man from Agra went to Ajmer. His wife was in her parent's house in Delhi .


When the man went to Ajmer, he asked his servant to send a telegram to his wife indicating about his trip to Ajmer.


He sent a telegram. When the wife received the telegram, she fainted.


It was written:

'Sethji aaj mar ! gaye! (Sethji Ajmer gaye )


Guide to a better life

 Guide to a better life


This is amazing. He died of pancreatic cancer in 2008, but wrote a book "The Last Lecture", one of the bestsellers in 2007. What a legacy to leave behind. In a letter to his wife Jai and his children, Dylan, Logan and Chloe, he wrote this beautiful "guide to a better life" for his wife and children to follow. May you all be blessed by his insight. POINTS ON HOW TO IMPROVE YOUR LIFE 
Personality :
Don't compare your life to others'. You have no idea what their journey is all about.

Don't have negative thoughts of things you cannot control. Instead invest your energy in the positive present moment.

Don't overdo; keep your limits

Don't take yourself so seriously; no one else does

Don't waste your precious energy on gossip

Dream more while you are awake

Envy is a waste of time. You already have all you need.

Forget issues of the past. Don't remind your partner of his/her mistakes of the past. That will ruin your present happiness.

Life is too short to waste time hating anyone. Don't hate others.

Make pace with your past so it won't spoil the present

No one is in charge of your happiness except you

Realize that life is a school and you are here to learn. Problems are simply part of the curriculum that appear and fade away like algebra class but the lessons you learn will last a lifetime

Smile and laugh more

You don't have to win every argument. Agree to disagree.

Community :
Call your family often

Each day give something to others

Forgive everyone for everything

Spend time with people over the age of 70 and under the age of 6

Try to make at least three people smile each day

What other people think of you is none of your business

Your job will not take care of you when you are sick. Your family and friends will. Stay in touch.

Life :
Put God first in anything and everything that you think, say and do.

GOD heals everything

Do the right things

However good or bad a situation is, it will change

No matter how you feel, get up, dress up and show up

The best is yet to come

Get rid of anything that isn't useful, beautiful or joyful

When you awake alive in the morning, thank GOD for it

If you know GOD, you will always be happy. So be happy.

While you practice all of the above, share this knowledge with people you love.

Not only will enrich YOUR life, but also that of those around you.  

Sony Google TV HDTVs

Sony's much awaited Google TV is official  after all the wait and the wait seems worth it. The launch includes  four different HDTVs (the 46 incher, 40 incher, 32 incher and 24 incher)  with prices ranging from $599 to $1,399. These HDTVs come packed with  white set top box (which carries with  itself some killer looks) with built in Blu-ray player costing $399. If  you're ready to shell out some money then you surely are going to enjoy  an experience of a lifetime.
 "Sony Internet TV is the world's first HDTV that combines the big-screen impact of television and full Internet  search to deliver an unrivaled entertainment experience," said Mike  Abary, senior vice president of Sony's Home Division. "Finally, you can  seamlessly search your favorite TV programs and web sites on the same  screen, at the same time."
The HDTVs will have built in WiFi with a newly added custom app called Sony Qriocity VOD player which comes pre-installed with features like Netflix, CNBC, Napster, Pandora and more. The Sony HDTVs will be out and available by the 24th of October from Best Buy.

Weight Loss Diet(Vegetarian Variant)....100% Working .Juz try It

General Motors Weight
Loss Diet(Vegetarian Variant)


The following diet and health
program was apparently developed for the employees and the dependants of General
Motors Inc.
The program was developed in
conjunction with the grant from the US Department of Agriculture and the Food
and Drug Administration. It was first tried at the Johns
Hopkins Research Centre and was
approved for distribution by the Board of Directors of General Motors Corporation
at a general meeting on August 15, 1995.General Motors Corporation wholly
endorsed this program and is making it available to all employees and families.
This program will be available at all General Motors Food service facilities.
It is the management's intention to
facilitate a welfare and fitness program for everyone.

This program is designed for a
target weight loss of 5-6 Kgs. Per week. It will also improve your attitude and
emotions because of its systematic cleansing effects. The effectiveness of this
seven day plan is that the foods eaten burn more calories than they give to the
body
in caloric value. This plan can be
used as often as you like to without any fear of complications. It is designed
to flush your system of impurities and give you a feeling of well being. After
seven days you will begin to feel lighter by atleast 10 pounds. You will have
an abundance of energy and an improved disposition.

During the first seven days you must
drink 10 glasses of water each
day.


The Diet


Day One

All fruits except bananas. Your
first day will consists of all fruits
you want. It is suggested you
consume lots of watermelon and
cantaloupe.


Day Two
All vegetables. You are encouraged
to eat until you are stuffed
with all the new and cooked
vegetables of your choice. There is no
limit on the account or type. Avoid
oil and coconut while cooking
vegetables. Have large boiled potato
for breakfast.


Day
Three
Any mixture of fruits and vegetables
of your choice. Any amount,
any quantity. No bananas yet and no
potatoes today.


Day
Four
Bananas and milk. Today you will eat
as many as eight bananas
and drink three glasses of milk. You
can also have one bowl of
vegetables soup.


Day
Five
Today is a feast day. You will eat 1
(one) cup of rice. You also
have to eat 6 (six) whole tomatoes
and drink 12 (twelve) glasses
of water today to cleanse your
system of the excess uric acid you
will be producing.


Day Six
Today is another all vegetables day.
You must eat 1 cup of rice
today and eat all the vegetables you
want cooked and uncooked to
your heart's content.

Day
Seven
Today your food intake will consist
of 1 cup rice, fruit juice and all
the vegetables you care to consume.
Tomorrow morning you will
be five to eight kilograms lighter
than 1 week ago. If you desire
further weight loss, repeat the
program again. Repeat the program
as often as you like, however, it is
suggested that you rest for
three days before every repetition.


You have your system under control
now and it will thank you for all
the purging and cleansing you just
gave it. Even more than a diet
program it is good to follow this
diet once in a while to clean your
digestive system and remove toxic substances that have a
accumulated in the system.

Economy in Splits

Economy in Splits  
1. The US has made a new weapon that destroys people but keeps the
building standing. Its called the stock market - Jay Leno

2. Do you have any idea how cheap stocks are ?? Wall Street is now being called
Wal Mart Street- Jay Leno

3. The difference between a pigeon and a London investment banker . The
pigeon can still make a deposit on a BMW

4. What's the difference between a guy who lost everything in Las Vegas and an
investment banker ? A tie

5. The problem with investment bank balance sheet is that on the left side
nothing's right and on the right side nothing's left.

6. I want to warn people from Nigeria who might be watching our show, if
you get any e mails from Washington asking for money, it's a scam. Don't fall
for it - Jay Leno

7. Bush was asked about the credit crunch. He said it was his favourite candy
bar -Jay Leno

8. The rescue bill was about 450 pages. President Obama's copy is even thicker.
They had to include pictures. Jay Leno

9. President Obama's response was to support some small business owners in
America. The small business owners are General Motors, General Electric and
Century 21. - Jay Leno

10. What worries me most about the credit crunch, is that if one of my cheques
is returned stamped 'insufficient funds'. I won't know whether that refers
to mine or the bank's.

NEW STOCK MARKET TERMS

CEO --Chief Embezzlement Officer.
CFO--
Corporate Fraud Officer.

BULL
MARKET-- A random market movement causing an investor to mistake
himself for a financial genius.

BEAR
MARKET-- A 6 to 18 month period when the kids get no allowance, the
wife gets no jewelry.

VALUE
INVESTING-- The art of buying low and selling lower.

P/E
RATIO-- The percentage of investors wetting their pants as the market
keeps crashing.

BROKER-- What
my broker has made me.

STANDARD
& POOR-- Your life in a nutshell.

STOCK
ANALYST-- Idiot who just downgraded your stock.

STOCK
SPLIT-- When your ex-wife and her lawyer split your assets equally
between themselves.

FINANCIAL
PLANNER-- A guy whose phone has been disconnected.

MARKET
CORRECTION-- The day after you buy stocks.

CASH
FLOW-- The movement your money makes as it disappears down the toilet.

YAHOO-- What
you yell after selling it to some poor sucker for $240 per share.

WINDOWS-- What
you jump out of when you're the sucker who bought Yahoo @ $240 per share.

INSTITUTIONAL
INVESTOR-- Past year investor who's now locked up in a nuthouse.

PROFIT-- An
archaic word no longer in use.

RBI cautions public against fictitious offers

RBI cautions public against fictitious offers The Reserve Bank of India, RBI, has cautioned the public against falling prey to fictitious offers of cheap funds that are rampant in recent times. In a press statement at Guwahati, the RBI said, the fraudsters often lure the public in the form of lottery prize money through letters, e-mails, SMS etc. It said such fraudulent communications were even sent on fake letterheads of the Reserve Bank of India or other reputed organizations, purportedly signed by their top executives or senior officials.
The Bank said, many residents have fallen victims to such tempting offers, and in the process, have lost huge sums of money. The fraudsters seek money from people, under different heads such as, processing fees, transaction fee, tax clearance charges, conversion charges, clearing fee etc.
They open multiple accounts in banks in the name of individuals or proprietary concerns in different bank branches for receiving such payments. The amount so remitted is withdrawn immediately, leaving the victims in the lurch.
The RBI has advised the public not to remit or deposit any amount in response to any fictitious offers of easy money through lottery or prizes received mainly through letters, email or SMS.
The bank has also clarified that it does not maintain any account in the names of individual, companies or trust to hold funds for disbursal. The RBI has further ruled out any possibility of it asking people to deposit money in any account.
The Bank has also warned the public that making any type of remittance towards participation in schemes of lotteries or offers from unknown entities abroad or their agents in India is illegal.

Wednesday, December 28, 2011

7 Ways to Build Effective Social Skills

Do you feel awkward in conversations with people? Are you having a difficult time of pinpointing why? Do feel it's impossible to forge lasting and meaningful connections with other kids and adults, no matter the situation? If your answer to any of these questions is "yes", then you need to look at how you attempt to interact with others, and see how your social skills can be improved to get you out there and interacting with people in no time. Here are seven proven tips to improve your social skills and get you out there.

VALIDATE YOUR OWN EMOTIONS
Many of the problems that come with poor social skills is the mistaken understanding that we look to others to validate our own emotions and worth. This is incorrect. You and you alone are responsible for the state of your own emotions, no matter what awful things someone might say to you. Be a mature adult (or kid) and take responsibility.

DON'T TRY TO THINK LOGICALLY ABOUT SOCIAL INTERACTIONS
People are not rational creatures, they are rationalizing creatures. Most awkward social interaction stems from one person attempting to logically interpret the actions or emotions of the other person, when logical simply doesn't apply. Stop trying to be logical, and much if not all of the frustration you feel will melt away.

AVOID CRITICIZING OTHERS
Socially awkward people often have a problem with learning their mental filter, and controlling their compulsion to say whatever crosses their mind, positive or negative. Learn to control your need to criticize others. Criticism is a bad verbal communication habit.

TALK LESS ABOUT YOURSELF AND MORE ABOUT OTHERS
Social interaction would be easy if everyone simply wanted to talk about the other person. Alas, it rarely works that way. Learn to be interested in other people, and find the best ways to get them interested in learning about you, without volunteering to do it for them.

FOCUS OUTWARDLY
Try to become more of an extrovert if you're introverted(even though biologically this is impossible), in all facets of your life, and shift your focus away from yourself and towards the needs of others.

STOP BLAMING OTHERS
Along the lines of the previous point, do not blame others for your own ability to communicate or interact socially. You alone are responsible for fostering good social skillsin yourself.

AVOID NEGATIVITY
No one likes to be around negative people, and nothing inhibits social interaction or growth more quickly than your own negative attitude. Try to keep the condemnations and complaints to a minimum in any and all conversations. Social skills can be tough for kids and adults. In this article are seven proven tips to improve your social skills and get you out there socializing well with others.

What is Clubbing of Income?

What is Clubbing of Income?

     Clubbing of income means Income of other person included in assessee's total income,for example: Income of husband which is shown to be the income of his wife is clubbed in the income of Husband and is taxable in the hands of the husband.      Income of a minor child is taxable in the hands of his parents.

       Under the Income Tax Act a person has to pay taxes on his income. A person cannot transfer his incomeor an asset which is his one of source of his income to some other person or in other words we can say that a person cannot divert his income to any other person and says that it is not his income. If he do so the income shown to be earned by any other person is included in the assessee's total income and the assessee has to pay tax on it.

       For example:  Mr . X purchased a residential apartment in the name of his wife Ms. Y.  X let out this apartment. The rental income earned by X in name of his wife Y is taxable in the hands of X
Clubbing of Income takes place in the following situations:    
1)     Income of a minor child
All income which arises to the minor shall be clubbed in the income of his parents. Income will be included in the income of that parent whose total income is greater. This case has two exceptions. (1) Income of minor child suffering from specified disability. (2) Income of minor child on account of manual work or involving application of his skill/talent etc.
2)       Remuneration to Spouse
An individual is chargeable to tax in respect of any remuneration received by the spouse from a concern in which the individual has substantial interest. This provision has an exception. If the remuneration is received by spouse by the application of technical or professional knowledge or experience clubbing provisions will not take place. For example, X has substantial interest in A ltd. and Mrs. X is employed by A ltd. without any technical or professional qualification. In this case salary income of Mrs. X shall be taxable in the hands of X.
3)     Transfer of income without transfer of Asset
If any person transfers income without transferring the ownership of the asset, such income will be taxable in the hands of the transferor. Eg. A owns 15,000, 10% NCD of XYZ Ltd., he transfers interest income to his friend B without transferring the ownership of Debentures. In this case although interest will be received by B but it is taxable in the hands of A. 
4)     Revocable transfer of Asset
If any person transfers any asset to any other person in such form and condition that such transfer is revocable at any time during the lifetime of the transferee, the income earned through such asset is chargeable to tax as the income of the transferor. For eg. A transfers a house property to B. However, A has right to revoke the transfer during the life time of B. It is a revocable transfer and income arising from the house property is taxable in the hands of A.
5)     Income from asset transferred to son's wife
If an individual, directly or indirectly transfers asset, without adequate consideration to son's wife, income arising from such asset is included in the income of the transferor. For example, Mr. X transfers 250 TISCO shares to his son's wife without adequate consideration, Interest income on these shares will be included in the income of Mr.X.
6)      Income from asset transfer to a person for the benefit of spouse/ son's wife
If an individual, directly or indirectly transfers asset, without adequate consideration to a person or an association of persons for the benefit of his/her spouse /son's wife, income arising from such asset directly or indirectly is included in the income of the transferor. For example, X transfers  8% Government of India Bonds without consideration to an association of persons, subject to the condition that, the interest income from these bonds will be utilized for the benefit of Mrs. X or Mrs. X son's wife. Interest from bonds will be included in the income of X.
7)     Income from assets transferred to spouse

Where an asset is transferred by an individual to his spouse directly or indirectly, otherwise than for adequate consideration or in connection with an agreement to live apart, any income from such asset is deemed to be the income of the transferor. For example, Mr. X transfers  1500 Shares of Reliance to his wife without adequate consideration. Dividend income on these shares will be included in the income of Mr. X.
  Note: This article is for the general information of the readers.  Income tax provisions related to clubbing of income is subject to change; please contact your tax consultant or a Chartered Accountant for more information and guidance

Great Ways to Find More Free Time

Great Ways to Find More Free Time

Å“The real problem of leisure time is how to keep others from using yours.�                 - Arthur Lacey
Are there a hundred different things you wish you could do with your life someday " anything from exercising to meditation or yoga to writing that novel you always wished you could write to reading more to relaxing and watching the sunrise? But perhaps you never have the time, like most people.
The truth is, we all have the same amount of time, and it's finite and in great demand. But some of us have made the time for doing the things we love doing, and others have allowed the constant demands and pressures and responsibilities of life to dictate their days.
It's time to move from the second group back into the first. Reclaim your time. Create the life you want and make the most of the free time you lay claim to. It's not hard, though it does take a little bit of effort and diligence.

Not all of these will be applicable to your life " choose the ones you can apply and give them a try:
    1. Take a time out.Freeing up your time starts with taking a step back to take a good look at your life. You need to block off at least an hour. Several hours or half a day is better. A whole day would be awesome. A weekend would be even more ideal, though not necessary practical for many folks. With this block of time, take a look at your life with some perspective. Is it what you've always wanted? How would you get to where you've always wanted to be? What do you enjoy doing, but don't have enough time to do? What things actually fill up your day? Are there things you could drop or minimize to make more time? We'll look at some of these things in the following items, but it starts with taking a time out to think and plan.
    2. Find your essentials.What is it that you love to do? Make a short list of 4-5 things. These are the things you want to make room for.
    3. Find your time-wasters. What do you spend a lot of your time on that isn't on your essential list? Take a close look at these things and really think about whether they're necessary, or if there are ways to reduce, minimize or eliminate these things. Sometimes you do things because you assume they're necessary, but if you give it some thought you can find ways to drop them from your life. Figure out what you do simply to waste time " maybe surfing certain sites, watching TV, talking a lot at the water cooler, etc. You're going to want to minimize these time-wasters to make room for the more important stuff, the stuff that makes you happy and that you love to do.
    4. Schedule the time.As you sit down and think about your life and what you want to do, versus what you actually do, you will be looking at ways to free up time. It's crucial that you take a blank weekly schedule (you can just write it out on a piece of paper, or use your calendar) and assign blocks for the things you love " the stuff on your essentials list. If you want to exercise, for example, when will you do it? Put the blocks of time on your schedule, and make these blocks the most important appointments of your week. Schedule the rest of your life around these blocks.
    5. Consolidate.There are many things you do, scattered throughout your day or your week, that you might be able to consolidate in order to save time. A good example is errands " instead of running one or two a day, do them all in one day to save time and gas. Another example is email, or any kind of communication " batch process your email instead of checking and reading and responding throughout the day. Same thing with meetings, paperwork, anything that you do regularly.
    6. Cut out meetings.This isn't possible for everyone, but in my experience meetings take up a lot of time to get across a little information, or to make easy decisions that could be made via email or phone. As much as you can, minimize the number of meetings you hold and attend. In some cases this might mean talking to your boss and telling her that you have other priorities, and asking to be excused. In other cases this might mean asking the people holding the meeting if you can get the info in other ways. If so, you've saved yourself an hour or so per meeting (sometimes more).
    7. De clutter your schedule.If you have a heavily packed schedule, full of meetings and errands and tasks and projects and appointments, you're going to want to weed it out so that it's not so jam-packed. Find the stuff that's not so essential and cancel them. Postpone other stuff. Leave big blank spaces in your schedule.
    8. Re-think your routine. Often we get stuck in a routine that's anything but what we really want our days to be like. Is there a better way of doing things? You're the creator of your life " make a new routine that's more pleasant, more optimal, more filled with things you love.
    9. Cut back on email.I mentioned email in an earlier point above, regarding consolidating, but it's such a major part of most people's lives that it deserves special attention. How often do you check email? How much time do you spend composing emails? If you spend a major part of your work day on email, as many people do (and as I once did), you can free up a lot of time by reducing the time you spend in email. Now, this won't work for everyone, but it can work for many people: choose 2-3 key times during the day to process your inbox to empty, and keep your responses to 5 sentences.
    10. Learn to say no.If you say Å“yes� to every request, you will never have any free time. Get super protective about your time, and say Å“no� to everything but the essential requests.
    11. Keep your list to 3. When you make out your daily to-do list, just list the three Most Important Tasks you want to accomplish today. Don't make a laundry list of tasks, or you'll fill up all your free time. By keeping your task list small, but populated only by important tasks, you ensure that you are getting the important stuff done but not overloading yourself.
    12. Do your Biggest Rock first.Of the three Most Important Tasks you choose for the day, pick the biggest one, or the one you're dreading most, and do that first. Otherwise you'll put that off as much as possible and fill your day with less important things. Don't allow yourself to check email until that Big Rock is taken care of. It starts your day with a sense of major accomplishment, and leaves you with a lot of free time the rest of the day, because the most important thing is already done.
    13. Delegate. If you have subordinates or coworkers who can do a task or project, try to delegate it. Don't feel like you need to do everything yourself. If necessary, spend a little time training the person to whom you're delegating the task, but that little time spent training will pay off in a lot of time saved later. Delegating allows you to focus on the core tasks and projects you should be focusing on.
    14. Cut out distractions.What is there around your workspace that distracts you from the task at hand? Sometimes it's visual clutter, or papers lying around that call for your attention and action, or email or IM notifiers on your computer that pop up at the wrong time, or the phone, or coworkers. See if you can eliminate as many of these as possible " the more you can focus, the more effective you'll be and the less time you'll waste. That equals time saved for the good stuff.
    15. Disconnect. The biggest of distractions, for most people, is the Internet. My most productive times are when I'm disconnected from the grid. Now, I'm not saying you need to be disconnected all the time, but if you really want to be able to effectively complete tasks, disconnect your Internet so you can really focus. Set certain times of the day for connectivity, and only connect during those periods.
    16. Outsource.If you can't delegate, see if you can outsource. With the Internet, we can connect with people from all over the world. I've outsourced many things, from small tasks to checking email to legal work to design and editing work and more. That allows me to focus on the things I'm best at, the things I love doing, and saves me a lot of time.
    17. Make use of your mornings. I find that mornings are the absolute best times to schedule the things I really want to do. I run, read and write in the mornings " three of the four things on my Essentials List (spending time with family is the other thing on the list). Mornings are great because your day hasn't been filled with a bunch of unscheduled, demanding, last-minute tasks that will push back those Essentials. For example, if you schedule something for late afternoon, by the time late afternoon rolls around, you might have a dozen other things newly added to your to-do list, and you'll put off that late-afternoon Essential. Instead, schedule it for the morning, and it'll rarely (if ever) get pushed back.
    18. The Golden Right-after-work Time.Other than mornings, I find the time just after work to be an incredible time for doing Essential things. Exercise, for example, is great in the 5-o'clock hour, as is spending time with family, or doing anything else relaxing.
    19. Your evenings.The time before you go to bed is also golden, as it exists every single day, and it's usually completely yours to schedule. What do you want to do with this time? Read? Spend time with your kids? Work on a hobby you're passionate about? Take advantage of this time.
    20. Lunch breaks. If the three golden times mentioned above don't work for you, lunch breaks are another good opportunity to schedule things. Some people like to exercise, or to take quiet times, during their lunch breaks. Others use this time to work on an important personal goal or project.

Tuesday, December 27, 2011

10 Commandments of Marriage

 


Commandment 1

Marriages are made in heaven. But so are thunder and lightning.


***********


Commandment 2

If you want your wife to listen and pay strict attention to every word you say; talk in your sleep.


***********


Commandment 3

Marriage is grand -- and divorce is at least 100 grand!


***********


Commandment 4

Married life is very frustrating. In the first year of marriage, the man speaks and the woman listens.

In the second year, the woman speaks and the man listens.

In the third year, they both speak and the neighbours listen.


***********


Commandment 5

When a man opens the door of his car for his wife, you can be sure of one thing: Either the car is new or the wife is.


***********


Commandment 6

Marriage is when a man and woman become as one. The trouble starts when they try to decide which one.


***********


Commandment 7

Before marriage, a man will lie awake all night thinking about something you say. After marriage, he will fall asleep before you finish.


***********


Commandment 8

Every man wants a wife who is beautiful, understanding, economical, and a good cook.

But the law allows only one wife.


***********


Commandment 9

Marriage and love are purely matter of chemistry. That is why wives treat husbands like toxic waste.


***********


Commandment 10

A man is incomplete until he is married. After that, he is finished.


***********

Workout at Work

Workout at Work

 

Some exercise is always better than none. Here are ten tips to help you get your workout at work:

 1.  Park farther away from the office, or get off public transportation at an earlier stop, and walk the rest of the way.

 2.  Take the stairs instead of the elevator, especially if you've got only a few floors to climb.

 3.  Go for a walk during lunch. One way to do this is to skip your usual salad spot on the corner and find one a little farther away. If you bring your lunch to work, use the time you save buying lunch to take a walk around the block.

 4.  Deliver messages by hand instead of by phone or e-mail, and walk over to co-workers when you need to chat with them.

 5.  Instead of meeting in the office or over lunch, take it to the streets (or park) for a walk — or even to the gym.
 
 6.  Take frequent breaks to get up and walk around.

 7.  Find a gym near your workplace and exercise for 20 minutes during your lunch break or just before or after work.

 8.  Use your headset or cell phone and walk around while talking on the phone.

 9.  Stretch occasionally while sitting at your desk.

10.  Participate in workplace-sponsored sports activities or athletic fund-raising events.


Why girls are better than boys

Why girls are better than boys

1. We got off the Titanic first.
2. We can scare male bosses with mysterious gynaecological disorder excuses.
3. We never ejaculate prematurely.
4. We get to flirt with systems support men who always return our calls and are nice to us when we blow up our computers.
5. When we buy a vibrator it's glamorous. When men buy a blow-up doll, it's pathetic.
6. Our boyfriend's clothes make us look elfin and gorgeous. Guys look like complete idiots in ours.
7. We can be groupies. Male groupies are stalkers.
8. We can cry and get off speeding fines.
9. We've never lusted after a cartoon character or the central figure in a computer game.
10. Taxis stop for us.
11. Men die earlier, so we get to cash in on the life insurance.
12. We don't look like a frog in a blender when dancing.
13. Free drinks, free dinners, free moving (you get the point?).
14. We can hug our friend without wondering if she thinks we're gay.
15. We know the truth about whether size matters.
16. New lipstick gives us a whole new lease on life.
17. If we have sex with someone and don't call the next day, we're not the devil.
18. Condoms make no significant difference in our enjoyment of sex.
19. We can sleep our way to the top.
20. Nothing crucial can be cut off with one clean sweep.
21. It is possible to live our whole lives without ever taking a group shower.
22. No fashion faux pas we make could rival Speedos.
23. It's cool to be a daddy's girl. It's sad to be a mommy's boy.
24. If we cheat on our spouse, people assume it's because we're being emotionally neglected.
25. We never have to wonder if his orgasm was real.
26. If we forget to shave, no one has to know.
27. We can congratulate our teammate without ever touching her arse.
28. If we have a zit, we know how to conceal it.
29. We never have to reach down every so often to make sure our privates are still there.
30. If we're dumb, some people will find it cute.
31. We have an excuse to be a total bitch at least once a month.
32. We can talk to people of the opposite sex without having to picture them naked.
33. If we marry someone 20 years younger, we're aware that we look like an idiot.
34. Our friends won't think we're weird if we ask whether there's spinach in our teeth.
35. There are times when chocolate really can solve all your problems.
36. Gay waiters don't make us uncomfortable.
37. We'll never regret piercing our ears.
38. We can fully assess a person just by looking at their shoes.



 

CLASSES FOR MEN

 

 

 

 Summer Classes For Men

 

 

 

 

 

SUMMER CLASSES FOR MEN AT THE "LEARNING CENTER FOR ADULTS"
REGISTRATION MUST BE COMPLETED BY
Jan 14th 2012
NOTE: DUE TO THE COMPLEXITY AND DIFFICULTY LEVEL OF THEIR CONTENTS,
CLASS SIZES WILL BE LIMITED TO 8 PARTICIPANTS MAXIMUM.

******

Class 1

How To Fill Up The Ice Cube Trays.
Step by Step, with Slide Presentation.
Meets 4 weeks, Monday and Wednesday for 2 hours beginning at 7:00 PM.

******

Class 2

The Toilet Paper Roll --- Does It Change Itself?
Round Table Discussion.
Meets 2 weeks, Saturday 12:00 p.m. for 2 hours.

******

Class 3

Fundamental Differences Between The Laundry Hamper and The Floor.
Pictures and Explanatory Graphics.
Meets Saturdays at 2:00 PM for 3 weeks.

******

Class 4

After Dinner Dishes --- Can They Levitate and Fly Into The Kitchen Sink?
Examples on Video.
Meets 4 weeks, Tuesday and Thursday for 2 hours beginning at 7:00 PM

******

Class 5

Loss Of Identity --- Losing The Remote To Your Significant Other.
Help Line Support and Support Groups.
Meets 4 Weeks, Friday and Sunday 7:00 PM

******

Class 6

Learning How To Find Things --- Starting With Looking In The Right Places and Not Turning The House Upside Down While Screaming.
Open Forum.
Monday at 8:00 PM, 2 hours.

******

Class 7

Health Watch --- Bringing Her Flowers Is Not Harmful To Your Health.
Graphics and Audio Tapes.
Three nights; Monday, Wednesday, Friday at 7:00 PM for 2 hours.

******

Class 8

Real Men Ask For Directions When Lost.
Real Life Testimonials.
Tuesdays at 6:00 P.M. - Location to be determined.

******

Class 9

Is It Genetically Impossible To Sit Quietly While She Parallel Parks?
Driving Simulations.
4 weeks, Saturdays at noon, 2 hours.

******

Class 10

 

Learning to Live --- Basic Differences Between Mother and Wife.
Online Classes and role-playing .
Tuesdays at 7:00 PM, location to be determined.

******

Class 11

How to be the Ideal Shopping Companion:
Relaxation Exercises, Meditation and Breathing Techniques.
Meets 4 weeks, Tuesday and Thursday for 2 hours beginning at 7:00 PM.

******

Class 12

How to Fight Cerebral Atrophy --- Remembering Birthdays, Anniversaries, Other Important Dates and Calling When You're Going To Be Late.
Cerebral Shock Therapy Sessions and Full Lobotomies Offered.
Three nights; Monday, Wednesday, Friday at 7:00 PM for 2 hours.

******

Class 13

The Stove/Oven --- What It Is and How It Is Used.
Live Demonstration.
Tuesdays at 6:00 PM, location to be determined.

******

Upon completion of any of the above courses, diplomas will be issued to the
survivors!

 

************

 

 

How the company views its employees (He vs She)

 

 

How the company views its employees. (HE vs SHE)

*********

1. The family picture is on HIS desk.                                                       
   Ah, a solid, responsible family man.


   The family picture is on HER desk.
   Umm, her family will come before her career.


*********


2. HIS desk is cluttered.
   He's obviously a hard worker and a busy man.


   HER desk is cluttered.
   She's obviously a disorganised scatterbrain


*********


3. HE is talking with his co-workers.
   He must be discussing the latest deal


   SHE is talking with her co-workers.
   She must be gossiping.


*********


4. HE's not at his desk. He must be at a meeting.

   SHE's not at her desk. She must be in the ladies' room.


*********


5. HE's not in the office. He's meeting with customers.

   SHE's not in the office. She must be out shopping.


*********


6. HE's having lunch with the boss. He's on his way up.

   SHE's having lunch with the boss. They must be having an affair.


*********


7. The boss criticised HIM. He'll improve his performance.

   The boss criticized HER. She'll be very upset.


*********


8. HE got an unfair deal. Did he get angry?

   SHE got an unfair deal. Did she cry?


*********


9. HE's going on a business trip. It's good for his career.

   SHE's going on a business trip. What does her husband say?


*********


10 . HE's leaving for a better job.
     He knows how to recognise a good opportunity.


     SHE's leaving for a better job.
     Women are not dependable
 

*********

Women are evil if they don't get what they need....

Women are evil if they don't get what they need....

A woman went up to the bar in a quiet rural pub. She gestured alluringly  to  the bartender who approached her immediately.

She seductively signaled  that  he should bring his face closer to hers. As he did, she gently caressed his full beard.


'Are you the manager?' she asked, softly stroking his face with both hands. 'Actually, no,' he replied.

'Can you get him for me? I need to speak to him,' she said, running her hands beyond his beard and into his hair.


'I'm afraid I can't,' breathed the bartender.. 'Is there anything I can do?'

'Yes. I need you to give him a message,' she continued,

running her forefinger across the bartender's lip and slyly popping a couple of her fingers into his mouth and allowing him to suck them gently.

'What should I tell him?' the bartender managed to say.

'Tell him, There's no toilet paper, hand soap or paper towels in the ladies room.'


Its Interesting....

An old man lived alone in Minnesota . He wanted to spade his potato garden, but it was very hard work. His only son, who would have helped him, was in prison. The old man wrote a letter to his son and mentioned his situation:

Dear Son,

I am feeling pretty bad because it looks like I won't be able to plant my potato garden this year. I hate to miss doing the garden, because your mother always loved planting time. I'm just getting too old to be digging up a garden plot. If you were here, all my troubles would be over. I know you would dig the plot for me, if you weren't in prison.

 

- Love, Dad

Shortly, the old man received this telegram: "For Heaven's sake, Dad, don't dig up the garden!! That's where I buried the GUNS!!" At 4 a.m. the next morning, a dozen FBI agents and local police officers showed up and dug up the entire garden without finding any guns. Confused, the old man wrote another note to his son telling him what happened, and asked him what to do next. His son's reply was: "Go ahead and plant your potatoes, Dad..  It's the best  I could do for you from here."


Moral: NO MATTER WHERE YOU ARE IN THE WORLD, IF YOU HAVE DECIDED TO DO SOMETHING DEEP FROM YOUR HEART YOU CAN DO IT. IT IS THE THOUGHT THAT MATTERS NOT WHERE YOU ARE OR WHERE THE PERSON IS.

Believe in it !!!

Modern Love Letter

My Resolution for 2012 !!

    My Resolution for this New Year is as shown in the screen shot… 

 

 

My Resolution for this Year – 1024 by 768 pixels!!!!!!

                                                                      What's yours??? 

 

The Honest Wife

 

The Honest Wife

     A man who was driving a car with his wife was stopped by a police officer. The following exchange took place. The man says, "What's the problem, officer?"


     Officer: "You were going at least 75 in a 55 zone."
     Man: "No sir, I was going 65."


     Wife: "Oh, Harry. You were going 80." (The man gave his wife a dirty look.)


     Officer: "I'm also going to give you a ticket for your broken taillight. "


     Man: "Broken taillight? I didn't know about a broken taillight!"


     Wife: "Oh Harry, you've known about that taillight for weeks." (The man gave his wife another dirty look.)


     Officer: "I'm also going to give you a citation for not wearing your seat belt."


     Man: "Oh, I just took it off when you were walking up to the car."


     Wife: "Oh Harry, you never wear your seat belt."


     The man turned to his wife and yelled, "SHUT YOUR MOUTH!"


     The officer turned to the woman and asked, "Ma'am, does your husband talk to you this way all the time?"
     The wife said, "No, only when he's drunk."
 

KOOL DEFINITIONS

KOOL DEFINITIONS:

 

 School:

A place where Papa pays and Son plays.

 

Life Insurance:

A contract that keeps you poor all your life so that you can die Rich.

 

Nurse:  

A person who wakes u up to give you sleeping pills.

 

Marriage:  

     It's an agreement in which a man loses his bachelor degree and a woman gains her masters.

 

Tears:  

       The hydraulic force by which masculine willpower is defeated by feminine waterpower.

 

Lecture:  

      An art of transferring information from the notes of the Lecturer

to the notes of the students

without passing through 'the minds of either'.

 

Conference:

    The confusion of one man multiplied by the number present.

 

Compromise:  

   The art of dividing a cake in such a way that everybody believes he got the biggest piece.

 

Dictionary:

    A place where success comes before work.

 

Conference Room:

A place where everybody talks,

nobody listens and everybody disagrees later on.

 

Father:

A banker provided by nature.

 

Criminal:

      A guy no different from the rest....

except that he got caught.

 

Boss:    

        Someone who is early when you are late and late when you are early.

 

Politician:

    One who shakes your hand before elections and your Confidence thereafter.

 

Classic:  

      Books, which people praise, but do not read.

 

Office:  

      A place where you can relax after your strenuous home life.

 

Yawn:  

          The only time some married men ever get to open their mouth.

 

Etc.:  

        A sign to make others believe that you know more than you actually do.

 

Committee:  

Individuals who can do nothing individually and sit to decide that nothing can be done together.

 

Experience:

    The name men give to their mistakes.

 

Atom Bomb:  

An invention to end all inventions.

 

Philosopher:  

  A fool who torments himself during life, to be spoken of when dead.

The Top 10 reasons why a Handgun is better than a Woman

 

 

#10 - You can trade an old .44 for two new .22s.

***********

#9 - You can keep one handgun at home and have another for when you're on the road.

***********

#8 - If you admire a friend's handgun, and tell him so, he will probably let you try it out a few times.

***********

#7 - Your primary handgun doesn't mind if you have a backup.

***********

#6 - Your handgun will stay with you even if you're out of ammo.

***********

#5 - A handgun doesn't take up a lot of closet space.

***********

#4 - Handguns function normally every day of the month.

***********

#3 - A handgun doesn't ask "Do these new grips make me look fat?"

***********

#2 - A handgun doesn't mind if you go to sleep after you use it.

***********

AND THE NUMBER ONE WAY THAT A HANDGUN IS BETTER THAN A WOMAN . . . You can buy a silencer for a handgun.

Time for some male bashing.....

Funny ( Male - Female ) Conversations

 


BOY : May I hold your hand??
GIRL : No thanks, it isn't heavy.

GIRL : Who was that girl I saw you kissing last night??
BOY : What time was it??

GIRL : Say you love me! Say you love me!
BOY : You love me...

GIRL : If we become engaged will you give me a ring??
BOY : Sure, what's your phone number??

GIRL : Darling, I want to dance like this forever..
BOY : Don't you ever want to improve??

BOY : I love you and I could die for you!
GIRL : How soon??

SHARON : Have you ever had a hot passionate, burning kiss??
TRACY : I did once. He'd forgotten to take the cigarette out of his mouth.

Man : You remind me of the sea.
Woman : Because I'm wild, romantic and exciting?
Man : NO, because you make me sick.

Wife : You tell a man something, it goes in one ear and comes out
of the other.
Husband : You tell a woman something: It goes in both ears and comes out of the mouth.

Mary : John says I'm pretty. Andy says I'm ugly. What do u think, Peter?
Peter : A bit of both. I think you're pretty ugly.

Jimmy : Mom, can I have two piece of cake?
Mom : Certainly. Take this piece and cut it in two.

Sam : I hate to see a girl standing in a bus when I comfortable seated.
Lily : So what do you do?
Sam : I close my eyes.

Teacher : Have you given the goldfish fresh water?
Pupil : No, Sir. They haven't finished the water I gave them last week.

Mom : Why are you wiping the floor with that cake?
Son : Well, it's a sponge cake, isn't it? 



11 proven ways to gain unstoppable confidence

#1 - KNOWLEDGE IS POWER
Those who know are ultimately much more confident in any arena than those shrouded in ignorance. Use your spare time to read up on the things that interest you, on the things that you are curious about, and build up a solid base of knowledge and critical thinking. The more you know, the more sure of yourself you will be in any situation.

#2 - EXPERIENCE
Uncertainty is the biggest drain on your self-confidence. Succumbing to doubt ensures you will never believe in yourself. The more often you do something, the more certain you become. With certainty comes confidence.

#3 - CARE-FREE ATTITUDE
Try to walk through your day with as easy and care-free of an attitude as you can muster, because someone who is it ease with him or herself is someone who is confident. Build unstoppable confidence by not getting hung up on the petty issues and minor irritations that help wear you down.

#4 - HONEST SELF-ASSESSMENT
Take stock of yourself. Brainstorm for a bit and compose a list of your good qualities and bad, the things you excel at and the things you need to improve upon, and once you have a clear picture of yourself much of the uncertainty that breeds doubt will wash away.

#5 - ANALYZE
Take the time to properly think through every problem, and the confidence in your skills will grow.

#6 - BE THOROUGH
Try to be as complete and thorough at every task you attempt. Completing tasks builds confidence in your ability to always see projects through to their proper conclusion.

#7 - IDENTIFY YOUR LIMITS, AND EXCEED THEM
Once you have assessed yourself, make a list of goals you wish to accomplish, and get to work. You now know your true limits, so the only thing left to do is push beyond them and set your sights on new frontiers.

#8 - BE OPEN TO HELPING OTHERS
Don't close yourself off to friends, acquaintances and coworkers. The more you put yourself out there in business and social situations, the more quickly you will build confidence in your ability to navigate these sometimes tricky waters.

#9 - COMPOSE YOURSELF
Dress well, groom yourself, compose your identity as a person who is well put together, and you will feel confident when meeting new people and doing new things.

#10 - BE DECISIVE
While it is okay to take time to analyze and think situations through, the time comes when you must be decisive and act. Decisive people are confident; not confident people are decisive.

#11 BE COMPLETE
Know yourself fully, wash away your own doubts about yourself, your identity and your capabilities, and present every aspect of yourself in every situation and you will have no reason to doubt your confidence. Become your full, real self. A lot of confidence building techniques simply do not work. I've tried everything out there and studied confident people to see what makes them who they are. Continue reading this article for the top 11 traits you can develop to build strong self-confidence that attracts the people, job, and pleasures of life you want.

13 Tips to avoid Investment Fraud

13 Tips to avoid Investment Fraud

1)     Always ensure to use your own pen while filling application form and/or cheques. The era of frauds using invisible ink of agents has just begun and ensures to put lines in the blank areas both in the cheques and application, not leaving space for anyone to fill the blank columns.  In case the application is filled by the agent, read all the writings carefully and ensure that, the data filled is correct and matches with your records.
2)      Always ensure to write application number, your name, mobile phone no., fund/scheme name at the back of the cheque. If you're giving renewal premium cheque, write your policy/folio number also.
3)      Check for renewal date and payment frequency carefully in your policy document. It has come to notice that many agents had taken the cheque from customers for yearly mode or half-yearly mode & has submitted the documents on monthly mode.  If possible use online premium payment.
4)     Deal with only certified financial planner, AMFI certified distributor or IRDA certified insurance agent. Do not deal with sub-brokers as they're not fully trained and do not have complete knowledge about the products they are selling on behalf of the main agent.  
5)     Always check the identity card of the person to whom you're dealing with. Check the company name and date of validity of the card. Generally, IRDA license is valid for 3 years and AMFI license is valid for 5 years from the date of issuance / renewal.
6)     Do not blindly trust anyone even if you know him / her from several years. Always ask for official brochure of the product you're dealing with and see everything written there.  Read all fine prints carefully and ensure that, whatever your agent explained to you related to the products are correctly matching with official offer documents or the policy proposal form.
7)     Ask for official illustration of the insurance product or fact sheet of mutual fund before investing.  In most of the cases the investment returns and other benefits explained in the illustration is based on some assumptions. In 90% cases the agent will try to convince you that, the return worked out in the illustration should be guaranteed and you are going to receive all the benefits at the maturity of the investment.  This investment mistakes had happed to so many investors those who have invested in ULIP policies issued by insurance companies and badly burned their fingers.  Lakhs of people are victims of this scam ( I can confidently use the word scam here, because the poor investors are cheated by the agents and insurance companies showing unimaginable returns and other benefits … otherwise we can call this as day light robbery).  Mostly all insurance products are long term in nature.   After 10-20 years, if happened something
wrong also, who is going to complain and you will not be able to trace your agent also.
8)     Understand the product fully before investing  to ensure that the investment you are making is match with your risk  appetite and return expectations
9)       Insist your adviser to show the comparison with other competitive products. You may like some feature of other product which your advisor does not like.
10)    Note down the your agent / distributor full contact details before submitting application forms like full name, ARN No. or IRDA license no., branch address & phone no., residential address & phone no. – mobile phone & landline, email address etc.
11)  Always put the date where ever you sign.
12)  When you get your policy bond / statement of account/ investment certificate, check all the details like your name, contact details, nominee name and other relevant details. Go through all the documents. Pay attention to the charges portion carefully. Insurance companies normally give photocopy of your filled application form along with your signed official illustration with policy bond. If you're not satisfying with the terms and conditions, you can return the original policy bond with 15-days free look-up period and get your money back.
13) When ever you sign on  a document having multiple pages, ensure to sign in all pages

Salaried Employees need not file Tax Return, if their annual income is below Rs. 5,00,000


No  Income Tax Return  is required to filed by Salaried employees if their total Income is less than 5,00, 000(five Lakh) and they are satisfying few Conditions . Income Tax department has issued notification no 36/2011 in this regard .This exemption is available only to specific category of employees .Following conditions are to be satisfied to claim exemption from return Filing .
 
Who can Claim Exemption
1.       This exemption is available to Individual assessee only (He may be resident or not)
2.       Exemption is available for Assessment year 2011-12.
3.       Total Income(after deduction 80C to 80U) of Individual must be up to Five Lakh Rupees only.
4.       Income must be earned from Salary and/or Saving Bank Interest up to Rs 10000/- .Pension is also covered under salary head.
5.       Individual must have reported his pan to his employer.
6.       He has Earned salary only from one employer during the year.
7.       He has reported his income from saving Bank Interest to his employer for TDS deduction purposes.
8.      Employer has deducted the tax on his Full income,salary plus interest {if any},and tds has been deposited in Govt account by the employer.
9.       No refund is Due to assesse .
10.   Individual has received Form 16 From the employer ,which mention PAN, Income detail and Tax Deducted and deposit detail.
If all the above conditions are satisfied then you can are exempted to file Income tax return for Financial year 2010-11.
 
Who Can't claim Exemption
1.       If His Total taxable income after deduction u/s 80C to 80U is more than 5 (five) Lakh rupees.
2.       If refund is due to Him .
3.       If  his total income includes  any one of following Incomes 
1.       Income from   House Property  Including minus Income from interest on  House Loan, Income from Business/profession
2.       Income from capital gain
3.       Income from Interest other than Interest from saving bank up to 10000.Suppose you have earned interest from FDR then you can not claim exemption from return filing.
4.       Saving Bank interest is more than 10000 rupees.
5.       Any other Income under "Income from other source"
4.       If He has not offered his Saving Bank interest income to his employer for tax deduction.
5.       If he has discharged His  tax liability through advance tax or self assessment challan.
6.       If he has received salary from two employers during the year.
7.       If  he has not submitted his PAN to his employer.
8.      If Form 16 has not been issued to Him by His  employer.
9.       If notice u/s 142(1) or section 148 or section 153A or section 153C of the Income-tax Act has been issued for filing a return of income
10.   If assessment year is other than 2011-12.
Clarification dated 25.07.2011

The above notification for exemption is optional for Assessee and he may or may not avail this exemption.
Means even your have satisfied all the conditions given in the notification, you can file your return. if you want to do so.
 
This is the general guidelines, please consult your Chartered Accountant/Legal Adviser/Tax  Consultant or your Employer for more details