savramesh

The shop keeper will have a card payment copy in which the card holder has to sign. please try finding that receipt and check the signature.. those things will help u in getting money back from the guy who misused ur card. its also a forgery.. all the best..

Lifetime..

This 750 free sms applicable on this diwali day ??

A mail is being sent to many people, which i have pasted below. They have developed a website similar to Income Tax India website and collecting bank related information from the people. Its looks like a Fraud website. Please dont get trapped... i have forwarded the mail to income tax india, vigilance and indian gov.. If u have contact with cyber crime department, then please forward it to them. i will forward the email to you if required.. i got the email today..

I have a suggestion for fighting.. Reduce usage of phone.. Telecos are making you addicted to phone usage... whatever may be the tariff, always my usage will be minimal.. its time to think about it instead of thinking of tariff reduction..

Can i know what are they ??

They have now made Bank of India website

Source New Delhi, Oct. 1 In what could be a matter of concern for GSM-based mobile operators, the Average Revenue Per User (ARPU) has for the first time fallen below the Rs 200 mark. According to the quarterly performance indicator released by the telecom regulator, ARPU for GSM operators declined 10 per cent from Rs 205 in March quarter to Rs 185 in June quarter. Making matters worse is the fact that the minutes of usage (MOU) declined by 6.19 per cent from 484 to 454 . The outgoing MOUs declined by 5.30 per cent and incoming by 7.04 per cent. The ARPU for CDMA services declined by 7.2 per cent from Rs 99 in March quarter to Rs 92 in June quarter. The MOU declined by 4 per cent from 357 to 342. The outgoing MOU declined by 2.7 per cent and the incoming by 5.2 per cent. This, however, does not include revenues or usage from limited mobility subscribers and income from CDMA data cards. The ARPU for dial-up Internet usage increased by 2.97 per cent from Rs 236.47 to Rs 243.50 .

Source Over 25 million more children will suffer from malnourishment by 2050 due to effects of climate change and India will be one of the worst affected in the Asian region, a report by the International Food Policy Research Institute said on Wednesday. However, the study finds that the scenario of lower yields, higher prices, and increased child malnutrition can be averted with $7 billion additional annual investments in rural development especially in developing countries. $7 billion per year of additional investments in agricultural productivity is to help farmers to adapt to the effects of climate change. Investments are needed in agricultural research, improved irrigation, and rural roads to increase market access for poor farmers, Gerald Nelson, IFPRI senior research fellow and a lead author told media in a teleconference on Tuesday night from Washington. Developing countries will be hit hardest by climate change and will face bigger declines in crop yields and production than industrialised countries. The negative effects of climate change are especially pronounced in Sub-Saharan Africa and South Asia. Compared to the average biophysical effects of climate change on yields in the industrialised world, the developing countries fare worse for almost all crops, he said. Asian countries most vulnerable to climate change are India, Afghanistan, Bangladesh, Cambodia, Lao PDR, Myanmar, and Nepal. India, Afghanistan, Bangladesh and Nepal are particularly vulnerable to declining crop yields due to glacial melting, floods, droughts, and erratic rainfall, among other factors. Asia is the most disaster-afflicted region in the world, accounting for about 89 percent of people affected by disasters worldwide. More than 60 percent of the economically active population and their dependents -- 2.2 billion people -- rely on agriculture for their livelihoods in developing parts of Asia. The study, Climate Change: Impact on Agriculture and Costs of Adaptation, was prepared by IFPRI for inclusion in two separate reports from the Asian Development Bank and the World Bank, both released on Wednesday in conjunction with international climate change meetings in Bangkok, Nelson said. "Without new technology and adjustments by farmers, climate change will reduce irrigated wheat yields in 2050 by around 30 per cent in developing countries compared to a no-climate change scenario. Irrigated rice yields will fall by 15 per cent," he said. The study also pointed out that even without climate change, food prices will rise, but climate change makes the problem worse. "Without climate change, in 2050 wheat prices will increase globally by almost 40 per cent. With climate change, wheat prices will increase by up to 194 per cent, Nelson said. Rice is projected to increase 60 per cent without climate change, but it will go up by as much as 121 per cent with climate change in the report. In 2050, prices of maize will be more than 60 per cent higher without climate change, but they will be up to 153 per cent higher with climate change. The authors hoped that the climate change conference at Copenhagen (Denmark) in December, will take this issue seriously and do something urgently to avert a disaster of huge malnutrition projected by the report. In addition to increased funding for rural development, IFPRI recommends more open agricultural trade to ensure that food will reach the poorest populations in times of crises. If governments and donors begin now to invest seriously in adaptation for poor farmers, we can avert this bleak future, he said. Explaining their findings, Nelson said, agriculture is extremely vulnerable to climate change. Higher temperatures eventually reduce yields of desirable crops while encouraging weed and pest proliferation, they said. Changes in precipitation patterns increase the likelihood of short-run crop failures and long-run production declines. "Although there will be gains in some crops in some regions of the world, the overall impacts of climate change on agriculture are expected to be negative, threatening global food security," Nelson added. Populations in the developing world, which are already vulnerable and food insecure, are likely to be the most seriously affected. In 2005, nearly half of the economically active population in developing countries-2.5 billion people relied on agriculture for its livelihood. Today, 75 per cent of the world's poor live in rural areas, he added.

East Africa Drought In Fifth Year, Millions Hungry Source NAIROBI (Reuters) - Drought for a fifth year running is driving more than 23 million east Africans in seven countries towards severe hunger and destitution, international aid agency Oxfam said on Tuesday. Launching a $9.5 million (6 million pounds) appeal, it said the situation was being worsened by high food prices and conflict. The most badly hit nations are Kenya, Ethiopia, Somalia and Uganda. Malnutrition is now above emergency levels in some areas and hundreds of thousands of valuable cattle are dying. "This is the worst humanitarian crisis Oxfam has seen in east Africa for over ten years," Paul Smith Lomas, Oxfam's East Africa Director, said in a statement. He said failed and unpredictable rains were ever more common in the region, and that broader climate change meant wet seasons were becoming shorter. Droughts have increased from once a decade to every two or three years. "In Wajir, northern Kenya, almost 200 dead animals were recently found around one dried-up water source," Lomas said. "People are surviving on two litres of water a day in some places -- less water than a toilet flush. The conditions have never been so harsh or so inhospitable, and people desperately need our help to survive." Some 3.8 million Kenyans, a tenth of the population, need emergency aid, Oxfam said, partly because food prices have risen to 180 percent above average. One in six children are acutely malnourished in Somalia, the charity said, while conflict meant people were less able to grow food and drought is ravaging areas where people have fled. Half the population -- more than 3.8 million people -- are affected. In Ethiopia, 13.7 million people are at risk of severe hunger and need help, Oxfam said. Many are selling cattle to buy food. Farmers in northern Uganda have lost half their crops. Other countries hard hit are Sudan, Djibouti and Tanzania. Rains are due next month, but are likely to bring scant relief or even deluges that could dramatically worsen matters. Oxfam said there were fears that east Africa could be hit by floods that would destroy crops and homes, as well as increasing the spread of water-borne diseases. "The aid response to the crisis needs to rapidly expand, but it is desperately short of funds," the charity said, adding that the U.N.'s World Food Programme was facing a $977 million donor shortfall for its Horn of Africa work over the next six months. "Even with normal rain, the harvest will not arrive until early 2010. People will still need aid to get them through a long hunger season," it said.

Source NEW DELHI: The telecom department is set to issue a show-cause notice to Loop Telecom asking the telco to explain why its mobile licences across 21 circles should not be cancelled for violating telecom norms. Last month, DoT had asked the ministry of corporate affairs (MCA) to carry out a second investigation into the ownership and shareholding pattern of Loop after complaints that the Essar Group had violated licensing laws, which stipulate that the same company cannot hold over 10% in two different telcos. The DoT had then said it wants a “clear and conclusive finding of expert investigation” before sending any show cause to Loop. The Essar group owns 33% in Vodafone Essar and has a 9.99% indirect holding in Loop. Following the report from the MCA, it has now decided to send a show-cause notice. The MCA, after probing the ownership of Loop Telecom the reiterated that while Essar Group does not have a direct stake in the telecom company, funds from the group have been routed into it through other companies. Besides, it said, Loop’s operations are controlled or influenced by Essar Group. “It has been corroborated through the findings of MCA that there is significant financial control over STPL that in turn owns 76.7% in Loop. Thus, the Essar Group can be stated to have significant control over Loop. It is therefore suggested that the issue of control through exaggerated debt funding by Essar Group be made a part of the proposed show cause notice to Loop Telecom,” said an internal note of the DoT on this subject. ET had accessed this note. When contacted, the Loop Telecom spokesperson said there were ‘no violations’ by the company while adding that the shareholding structure is fully compliant with relevant guidelines. MCA’s investigations had shown that Loop is owned by a company named Santa Trading Pvt Ltd (STPL), which in turn owns BPL Communication and BPL Mobile Communications. The Essar Group does not have a direct stake in STPL, but holds 9.99% indirectly. STPL is owned by Kiran Khaitan, sister of the Ruia brothers—Shashi and Ravi—who own the Essar Group. The Essar Group has also invested Rs 1,592 crore in the unsecured, non-convertible debentures of STPL. As per MCA, the shareholding of Loop is held through a multi-layered structure: It is 24% owned by BPL Communication, 51% by BPL Mobile Communications and 24% by Capital Global, Mauritius. This structure gets further complicated with BPL Communication having 73.99% stake in BPL Mobile Communications. STPL has about 86% stake in BPL Communication. Essar Teleholdings, part of the Essar Group, holds 9.9% stake in BPL Mobile Communications (which offers mobile services in Mumbai under the Loop brand) and has subscribed to non-convertible debentures of STPL worth Rs1,592 crore. The DoT has also pointed out that STPL’s share capital was only Rs 1 lakh which implies that the company has a debt/equity ratio of 1,59,200 while adding that this was ‘this was astronomical’ compared to even that of strongly debt leveraged concerns. The DoT has also added that a such as Tata Capital that had unsecured loans of Rs 3,519.48 crore and secure loan of Rs 2,087.62 crore had a debt equity ratio of only 2.69. “It is clear that Essar Group’s investment in STPL debt is not normal NCD subscription and points to significant financial control of Essar Group over STPL...,” the DoT note added.

this new programme will be available in all cities and towns or only selected locations ??

Looks like our government has responded.. the fraud website seems to be down now..

Humans are naturally plant-eaters according to the best evidence: our bodies Read here Some arguments on Meat Eating Read here Eight Arguments in Favor of Eating Meat and Objections Thereto Read here

Avian infection could have killed Tyrannosaurus rex Source Contrary to popular belief that bacterial bone infection or bite wounds from other tyrannosaurids could have killed Tyrannosaurus rex, a study suggests that they were killed by a common avian infection (Trichomonas gallinae). Nothing new This study provides evidence for the “ancient evolutionary origin of an avian transmissible disease in non-avian theropod dinosaurs,” notes the paper published in PLoS One journal. The study shows that cross-species infection is not a modern phenomenon but was present even millions of years ago. The paper is based on a study of ‘Sue’ — the Tyrannosaurus rex that is exhibited at the Field Museum in Chicago, and other specimens. Ewan D.S. Wolff from the University of Wisconsin, Madison, the first author of the paper, found similar lesions in 15 per cent of the 61 T. rex individuals examined. Though concrete evidence of how the infection killed the tyrannosaurids is not available, the authors note: “These animals died as a direct result of this disease, mostly likely through starvation.” Tell-tale marks Most predatory dinosaurs exhibit bone traumas on the head. They also show cranial abnormalities that are very different from injuries caused by biting. The lesions have a very distinct shape — smooth-edged erosive lesions that are commonly seen in the mandible. Similar abnormalities in the mandible are seen in modern birds that are infected by the avian parasitic infection. It is commonly seen in both wild and domestic pigeons, and even in turkeys and chickens. They suggest five possible scenarios for transmission: water-borne transmission, feeding of tainted prey to nestlings, consumption of infected prey, cannibalism, or snout to snout contact between two individuals. However, little proof is available for of the most scenarios. “Evidence supports the possibility of transmission via snout-to-snout contact in a modification of the bill-to-bill transmission that can occur in living birds,” they write. The study of the dinosaurs makes one thing clear: T. gallina-type infection followed the same route of disease development. Immaterial of the route of infection, the infection within the oropharynz could have spread to other tissues by invading the mucosal surface. This is what is seen in modern birds. The infection could have then become chronic in the mandible, which in turn could have made feeding very difficult, as is the case with modern birds infected by the bacteria. The T. rex could have ultimately died of starvation.

2 screenshots of fraud website

Source (Tony Worthington is the Global Head for Telecoms, Media & Technology at Standard Chartered Bank. The opinions expressed are his own) By Tony Worthington After five years of explosive growth, the number of mobile subscribers in India will shortly cross the 500 million mark. Based on current trends, India is likely to witness its 500 millionth subscriber signing up sometime in December this year or January 2010. With this milestone reached, the next question will be when will India reach the magic one billion number? Every September, we at Standard Chartered update our annual forecast for mobile subscriber growth in India. Although we have been one of the most bullish banks on subscriber growth in recent years, the market has outperformed even our rose-tinted view. In September 2008, we predicted India would have around 366 million subscribers by end FY2009. The market actually recorded 392 million subscribers. Our updated September 2009 forecast reveals some interesting findings around how we see subscriber evolution. Firstly, we are now forecasting 532 million mobile subscribers by end FY2010 and 655 million subscribers by end FY2011. At first glance this would suggest that the strong subscriber growth looks set to continue. However a closer look at the numbers reveals that we think the rate of gross subscriber additions is beginning to top out. India added 131 million subscribers between end FY2008 and end FY2009. We are forecasting 140 million subscribers to be added between end FY2009 and FY2010 but then 123 million to be added between end FY2010 and end FY2011. Clearly annual growth of 123 million subscribers is still very impressive, although slightly lower than the previous year. But wait, I hear you say, what about the new entrants? Won’t these operators accelerate growth further by incentivising and attracting new subscribers? My view is that the new entrants will undoubtedly stimulate competition further, but we will see a large increase in churn amongst existing operators. In other words, existing mobile subscribers will be jumping from one operator to another in response to attractive offers. This could see market churn increase from 40 percent to over 50 percent. Secondly Standard Chartered’s forecast is now for the first time asking the realistic question of when India will have one billion mobile subscribers. My view is that this level is likely to be exceeded in FY2015, some five years from now. So it will have taken India twelve years to grow from zero to 500 million subscribers but only five years to add the next 500 million. By then India will be a mobile “powerhouse”, competing with China to have the highest number of mobile subscribers in the world. In Bharti Airtel, India will potentially have one of the top five mobile operators globally in terms of subscribers. It will also have benefitted from substantial investment from elite international telecoms companies including Vodafone, Etisalat and Telenor. There is one important point to clarify though before we think about mobile telephony for all. When we talk about one billion subscribers we are talking about one billion active SIM card subscribers. In reality many users will have more than one SIM card. At the top end of the market there are the Blackberry users who typically have a second SIM and handset for voice calls. Standard Chartered estimates 26 million potential Blackberry subscribers in India. Furthermore in the mass market as a whole many users will have a second SIM and handset for private use. Another consequence will be a drop in average revenue per user (ARPU) for Indian mobile operators. Users with multi-SIMs are causing a continued decline in ARPU levels for all operators in India. This has prompted operators to analyse other performance variables such as minutes of use (MoU). Nonetheless these are exciting times in the Indian mobile sector. As we race through the 500 million level we will have the realistic prospect of one billion mobile subscribers within five years. Who would have thought that back when it all started in 1997?

Docomo will use bsnl tower where they dont have an Indicom tower.. so it will help to speed up network installations.. it will also help to improve docomo coverage in launched circles.. i look forward docomo to be the number 1 gsm network soon..

good info... thanks for sharing..

Source In a strange ritual, more than 2,000 women including school-going teen-aged girls, who were believed to be ‘possessed’ by evil sprits were given vicious whip lashes to “free them from these bad elements” at the annual festival of the ancient Sri Achappan Temple at Bavithram Vellalapatti, a remote village situated on the border of Tiruchi and Namakkal districts, on Monday, the Vijayadasami Day. The men priests, dressed in traditional attire, cracked whips on the ‘possessed’ women, the salvation seekers, who sat in a half-kilometre-long queue for nearly five hours on a sprawling open space called ‘lashing ground’ near the temple. Many of them were young school and college-going girls, who winced when they received the lashes and writhed in pain on the ground. The long and wieldy whips, which descended on them in full ferocity, had left them gasping for breath, causing burning marks of wounds on them and forcing them to sob and cry in searing pain. Many were given three to four flogs to drive away the ‘multiple spirits’ that possessed them. Vanita, a twelfth standard student from a nearby village, who received the lash, was holding both her hands in pain. Sobbing uncontrollably, she told The Hindu that she had to sit on the queue as her parents insisted. As she was not showing interest in studies, they believed that an evil spirit had possessed her, preventing her from scoring high marks. "They forced me. Now my friends will look at me suspiciously once they know that I attended the festival, known for curing mental disorders,” she said. Vanita was not the only girl student to be flogged against her wishes and to face taboo back at home. Many of her age and even those younger, in the age group of 11 and 12 and studying, had undergone the ordeal to drive away the presumed extraterrestrials that did not permit them to study well. Another girl, about 16, from a village in Dindigul district was brought to the 'lashing ground’ as she was yet to attain puberty and another for her irregular menstrual periods. Even a newly wed wife, accompanied by her husband, attended it saying that her in-laws had told her that she was 'possessed.’ “A lash here will cure all these ills, physical and mental, that afflict women,” said a 60-year old Chelli, a regular receiver of lashes in the temple for the past decade. Her hands bore criss-cross marks of scars from wounds she received from the whips. Asked if the practice was not a crime, the temple priest and co-ordinator, Kulla Goundan, of Kurumbar descent, said it was not so. “It is a belief of devotees and the practice is in vogue for long. We cannot alter [that],” he said. Nearly 10,000 people gathered for the festival, which concluded on Tuesday.

Tata Tele to use BSNL's mobile towers Source NEW DELHI, Sept 30 (Reuters) - Tata Teleservices [TATASL.UL], India's sixth-ranked mobile operator, said on Wednesday it has signed an agreement to share the mobile towers of state-run telecom Bharat Sanchar Nigam Ltd [bSNL.UL] for 15 years. Financial terms were not disclosed. Predominantly a CDMA operator, Tata Teleservices is expanding its GSM-based services and said the agreement to use BSNL's towers in all of India's 22 telecoms zones would speed up its network roll-out and save costs.

cool plans. but only in mumbai btw when can we expect a broadband tariff revolution in India ??

good to see their start, lets hope for a cheap tariff.. BTW have MTS started wap services ??

Sorry i have no idea about getting projects. But i have a consultant contact, will check with them. will update you if i get any leads.. Came through a websites. Site

Source A major risk factor for heart disease is work-related stress. Here’s how to deal effectively with it and safeguard your heart. We’ve all had times when work pressures peak and finding those restful moments is tough. Workplace stress and associated problems are becoming increasingly prevalent, especially among the upwardly mobile population. Each year, an astonishing number of working days are lost due to stress related health issues. Physical symptoms of stress become evident when individuals face chronic stress and suffer from an over-stimulated autonomic nervous system. The first symptoms can be relatively mild, like chronic headaches and increased susceptibility to colds. However, as stress levels increase, symptoms are likely to be amplified. Stress-induced conditions may include: depression, diabetes, hair loss, heart disease, hyperthyroidism, obesity, obsessive-compulsive or anxiety disorder, sexual dysfunction, ulcers. Two ways How can we deal with stress effectively? There are two ways to do this: Stress-neutralisation: Techniques, including meditation, yoga and deep breathing exercises are easily learned and can bring the body to a calm state. Prevention: A large portion of stress in our lives is actually avoidable. Simple methods like better organisation, effective time management and inter-personal communication skills are first steps towards a minimally stressful lifestyle. Exercise is one of the most effective stress reduction techniques because it catalyses the release of mood-enhancing chemicals through our nervous system. Regular exercise not only makes us fitter and boosts immunity, but also works wonders for our morale and builds a healthier mindset. Just 30 minutes of moderate physical activity three or five times a week is all it takes to reap these benefits. But make sure that the exercises have been recommended by a certified trainer or a physiotherapist. You can even take a brisk walk around the parking lot during your lunch break; use steps instead of lifts/escalators; play outdoor sports with children. Lifestyle changes Here are some lifestyle changes to help prevent stress-related heart disease: Quit or limit smoking. List all the hazards of smoking. Then write down why you want to quit. Pick a date to quit and prepare by figuring out how you will deal with cravings. The day before, throw away cigarettes, ashtrays and lighters. Talk to your doctor. Smoking changes the way your body reacts to certain medication. Also check if you would require nicotine replacement (available as patches, gum, and inhalers). Avoid temptation. Stay away from smoke-filled bars and social situations that may tempt you until you feel determined enough to stick to your resolution. Keep trying. If you don’t succeed on your first attempt, try again. It’s not unusual for people to quit smoking after a couple of aborted attempts. Healthy eating. A healthy, well balanced and nutritious diet plays a crucial role in keeping the body equilibrium intact. Eating at the right time and in appropriate quantity is also important. Quality Sleep. People often underestimate the importance of getting enough sleep, at the right time and as suited to their body clock. However, lack of adequate sleep can cause minor problems like a general feeling of listlessness to a serious problem like weight disorders and memory loss. Myths Myth 1: Stress is the same for everybody. Not true. Stress is different for each one. What is stressful for one may not be so for another; each of us responds to stimulants in our external and internal environment differently; hence, our reactions to stress also differ. Myth 2: Stress is always bad for you. According to this view, zero stress makes us happy and healthy. This is not the complete truth. Stress is, to the human condition, what tension is to the violin string: too little and the music is dull and raspy; too much and the music is shrill or the string snaps. Stress is essential for it enables us to decide our responses and reactions to situations. Often managed stress makes us productive and happy; though mismanaged stress can be injurious to health. Myth 3: Stress is everywhere, so you can’t do anything about it. False. You can plan your life to deal effectively and efficiently with life situations. It’s about doing our homework and being prepared. That way stress is unlikely to overwhelm our senses. Myth 4: The most popular techniques for reducing stress are the best ones. There is no one single universally effective stress reduction technique. As stress is differently perceived by different individuals, same holds true for stress-coping behaviours. Different techniques will yield results for different people. Myth 5: Only major symptoms of stress require attention. This myth assumes that the ‘minor’ symptoms, such as headaches or acidity, may be safely ignored. But these minor symptoms of stress are the early warnings for complications that might appear later. Best to act upon them swiftly and seek medical advice. The writer is the CEO and Chief Cardiothoracic Surgeon, Artemis Health Institute, Gurgaon. At the workplace Take a few deep breaths, hold, and release. Try to breathe from the diaphragm. As you breathe out, imagine your body relaxing more and more. Take proper, well-timed breaks. Stretching out for a minute can also be refreshing. A relaxed mind can think more logically. Tense each of your muscles in turn. Then relax them. This helps release stiffness in the body. Roll your shoulders and neck round slowly, and then do a good stretch. It will get rid of any nagging muscular tension in the neck and back; areas vulnerable to stress diseases like degenerated discs.