Best Retirement plan

If you had purchased $1,000 of AIG stock one year ago, you would have $42 left.

With Lehman, you would have $6.60 left.

With Fannie or Freddie, you would have less than $5 left.

But if you had purchased $1,000 worth of beer one year ago, drank all of the beer, then turned in the cans for the aluminum recycling REFUND, you would have had$214.

Based on the above, the best current investment advice is to drink heavily and recycle.

The Great Indian Politics !!

Here is a classic example of what Indian politicians do to get the votes (which they may not get even after doing this).In the whole process how the the talented people from the upper caste get affected. Now only GOD can save the country from these people.....

It's an awesome interview, please read whole of it, you will really enjoy and know how politicians in India work and on what parameters (or practically no parameters) they take decisions.

Karan Thapar: Do you personally also, as Minister of Human Resource Development, believe that a reservation is the right and proper way to help the OBCs?

Arjun Singh: Certainly, that is one of the most important ways to do it.

Karan Thapar: The right way?

Arjun Singh: Also the right way.

Karan Thapar: In which case, let's ask a few basic questions; we are talking about the reservations for the OBCs in particular. Do you know what percentage of the Indian population is OBC? Mandal puts it at 52 per cent, the National Sample Survey Organization at 32 per cent, the National Family and Health Survey at 29.8 per cent, which is the correct figure?

Arjun Singh: I think that should be decided by people who are more knowledgeable. But the point is that the OBCs form a fairly sizeable percentage of our population.

Karan Thapar: No doubt, but the reason why it is important to know 'what percentage' they form is that if you are going to have reservations for them, then you must know what percentage of the population they are, otherwise you don't know whether they are already adequately catered in higher educational institutions or not.

Arjun Singh: That is obvious - they are not.

Karan Thapar: Why is it obvious?

Arjun Singh: Obvious because it is something which we all see.

Karan Thapar: Except for the fact that the NSSO, which is a government appointed body, has actually in its research in 1999 - which is the most latest research shown - that 23.5 per cent of all university seats are already with the OBCs. And that is just 8.5 per cent less than what the NSSO believes is the OBC share of the population. So, for a difference of 8 per cent, would reservations be the right way of making up the difference?

Arjun Singh: I wouldn't like to go behind all this because, as I said, Parliament has taken a view and it has taken a decision, I am a servant of Parliament and I will only implement.

Karan Thapar: Absolutely, Parliament has taken a view, I grant it. But what people question is the simple fact - Is there a need for reservations? If you don't know what percentage of the country is OBC, and if furthermore, the NSSO is correct in pointing out that already 23.5 per cent of the college seats are with the OBC, then you don't have a case in terms of need.

Arjun Singh: College seats, I don't know.

Karan Thapar: According to the NSSO - which is a government appointed body - 23.5 per cent of the college seats are already with the OBCs.

Arjun Singh: What do you mean by college seats?

Karan Thapar: University seats, seats of higher education.

Arjun Singh: Well, I don't know I have not come across that far.

Karan Thapar: So, when critics say to you that you don't have a case for reservation in terms of need, what do you say to them?

Arjun Singh: I have said what I had to say and the point is that it is not an issue for us to now debate.

Karan Thapar: You mean the chapter is now closed?

Arjun Singh: The decision has been taken.

Karan Thapar: Regardless of whether there is a need or not, the decision is taken and it is a closed chapter.

Arjun Singh: So far as I can see, it is a closed chapter and that is why I have to implement what all Parliaments have said.

Karan Thapar: Minister, it is not just in terms of 'need' that your critics question the decision to have reservation for OBCs in higher education. More importantly, they question whether reservations themselves are efficacious and can work.For example, a study done by the IITs themselves shows that 50 per cent of the IIT seats for the SCs and STs remain vacant and for the remaining 50 per cent, 25 per cent are the candidates, who even after six years fail to get their degrees. So, clearly, in their case, reservations are not working.

Arjun Singh: I would only say that on this issue, it would not be correct to go by all these figures that have been paraded.

Karan Thapar: You mean the IIT figures themselves could be dubious?

Arjun Singh: Not dubious, but I think that is not the last word.

Karan Thapar: All right, maybe the IIT may not be the last word, let me then quote to you the report of the Parliamentary Committee on the welfare for the Scheduled Castes and Scheduled Tribes - that is a Parliamentary body.It says that looking at the Delhi University, between 1995 and 2000; just half the seats for under-graduates at the Scheduled Castes level and just one-third of the seats for under-graduates at the Scheduled Tribes level were filled. All the others went empty, unfilled. So, again, even in Delhi University, reservations are not working.

Arjun Singh: If they are not working, it does not mean that for that reason we don't need them. There must be some other reason why they are not working and that can be certainly probed and examined. But to say that for this reason, 'no reservations need to be done' is not correct.

Karan Thapar: Fifty years after the reservations were made, statistics show, according to The Hindustan Times, that overall in India, only 16 per cent of the places in higher education is occupied by SCs and STs. The quota is 22.5 per cent, which means that only two-thirds of the quota is occupied. One third is going waste, it is being denied to other people.

Arjun Singh: As I said, the kinds of figures that have been brought out, in my perception, do not reflect the realities. Realities are something much more and of course, there is an element of prejudice also.

Karan Thapar: But these are figures that come from a Parliamentary Committee. It can't be prejudiced; they are your own colleagues.

Arjun Singh: Parliamentary Committee has given the figures, but as to why this has not happened, that is a different matter.

Karan Thapar: I put it to you that you don't have a case for reservations in terms of need; you don't have a case for reservations in terms of their efficacy, why then,are you insisting on extending them to the OBCs?

Arjun Singh: I don't want to use that word, but I think that your argument is basically fallacious.

Karan Thapar: But it is based on all the facts available in the public domain.

Arjun Singh: Those are facts that need to be gone into with more care. What lies behind those facts, why this has not happened, that is also a fact.

Karan Thapar: Let's approach the issue of reservations differently in that case. Reservations mean that a lesser-qualified candidate gets preference over a more qualified candidate, solely because in this case, he or she happens to be an OBC. In other words, the upper castes are being penalized for being upper caste.

Arjun Singh: Nobody is being penalized and that is a factor that we are trying to address. I think that the prime Minister will be talking to all the political parties and will be putting forward a formula, which will see that nobody is being penalized.

Karan Thapar: I want very much to talk about that formula, but before we come to talk about how you are going to address concerns, let me point one other corollary - Reservations also gives preference and favor to caste over merit. Is that acceptable in a modern society?

Arjun Singh: I don't think the perceptions of modern society fit India entirely.

Karan Thapar: You mean India is not a modern society and therefore can't claim to be treated as one?

Arjun Singh: It is emerging as a modern society, but the parameters of a modern society do not apply to large sections of the people in this country.

Now take a moment to congratulate Karan Thapar for skillfully exposing Arjun Singh for the clueless dolt he is.
The video of this interview is available on YouTube. If you liked reading a part of the interview, you will definitely enjoy the rest of it!

Little Hearts !!!!

This is a good Initiative please spread the message..so that little heart can keep beating free of cost.

LALBAUG GANPATI VISARJAN

See the human see at the visarjan....

GANPATI BAPPA MORRYAAAA ..Pudchya varshi lavkar ya ...

Small Story...

Two friends were walking through the desert during some point of the journey they had an argument and one friend slapped the other one on the face. The one who got slapped was hurt, but without saying anything, wrote in the sand:

"TODAY MY BEST FRIEND SLAPPED ME ON THE FACE."

They kept on walking until they found an oasis, where they decided to take a bath. The one who had been slapped got stuck in the mire and started drowning, but the friend saved him. After he recovered from the near drowning, he wrote on a stone:

"TODAY MY BEST FRIEND SAVED MY LIFE."

The friend who had slapped and saved his best friend asked him, "After I hurt you, you wrote in the sand and now, you write on a stone, why?" .The other friend replied "When someone hurts us we should write it down in sand where winds of forgiveness can erase it away. But, when someone does something good for us, we must engrave it in stone where no wind can ever erase it.

"LEARN TO WRITE YOUR HURTS IN THE SAND AND TO CARVE YOUR BENEFITS IN STONE!!!”

They say it takes a minute to find a special person, an hour to appreciate them, a day to love them, but then an entire life to forget them.

Inaugural Speech for the new batch at the Symbiosis BBA program, Pune -- By Chetan Bhagat

23rd June, 2008

Good Morning everyone and thank you for giving me this chance to speak to you. This day is about you. You, who have come to this college, leaving the comfort of your homes (or in some cases discomfort), to become something in your life. I am sure you are excited. There are few days in human life when one is truly elated. The first day in college is one of them. When you were getting ready today, you felt a tingling in your stomach. What would the auditorium be like, what would the teachers be like, who are my new classmates - there is so much to be curious about. I call this excitement, the spark within you that makes you feel truly alive today. Today I am going to talk about keeping the spark shining. Or to put it another way, how to be happy most, if not all the time.

Where do these sparks start? I think we are born with them. My 3-year old twin boys have a million sparks. A little Spiderman toy can make them jump on the bed. They get thrills from creaky swings in the park. A story from daddy gets them excited. They do a daily countdown for birthday party – several months in advance – just for the day they will cut their own birthday cake.

I see students like you, and I still see some sparks. But when I see older people, the spark is difficult to find. That means as we age, the spark fades. People whose spark has faded too much are dull, dejected, aimless and bitter. Remember Kareena in the first half of Jab We Met vs the second half? That is what happens when the spark is lost. So how to save the spark?
Imagine the spark to be a lamp's flame. The first aspect is nurturing - to give your spark the fuel, continuously. The second is to guard against storms.

To nurture, always have goals. It is human nature to strive, improve and achieve full potential. In fact, that is success. It is what is possible for you. It isn't any external measure - a certain cost to company pay package, a particular car or house.

Most of us are from middle class families. To us, having material landmarks is success and rightly so. When you have grown up where money constraints force everyday choices, financial freedom is a big achievement. But it isn't the purpose of life. If that was the case, Mr. Ambani would not show up for work. Shah Rukh Khan would stay at home and not dance anymore. Steve Jobs won't be working hard to make a better iPhone, as he sold Pixar for billions of dollars already. Why do they do it? What makes them come to work everyday? They do it because it makes them happy. They do it because it makes them feel alive. Just getting better from current levels feels good. If you study hard, you can improve your rank. If you make an effort to interact with people, you will do better in interviews. If you practice, your cricket will get better. You may also know that you cannot become Tendulkar, yet. But you can get to the next level. Striving for that next level is important.

Nature designed with a random set of genes and circumstances in which we were born.. To be happy, we have to accept it and make the most of nature's design. Are you? Goals will help you do that.

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

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

You must have read some quotes - Life is a tough race, it is a marathon or whatever. No, from what I have seen so far, life is one of those races in nursery school, where you have to run with a marble in a spoon kept in your mouth. If the marble falls, there is no point coming first. Same with life, where health and relationships are the marble. Your striving is only worth it if there is harmony in your life. Else, you may achieve the success, but this spark, this feeling of being excited and alive, will start to die.

One last thing about nurturing the spark - don't take life seriously. One of my yoga teachers used to make students laugh during classes. One student asked him if these jokes would take away something from the yoga practice. The teacher said - don't be serious, be sincere. This quote has defined my work ever since. Whether its my writing, my job, my relationships or any of my goals. I get thousands of opinions on my writing everyday. There is heaps of praise, there is intense criticism. If I take it all seriously, how will I write? Or rather, how will I live? Life is not to be taken seriously, as we are really temporary here. We are like a pre-paid card with limited validity. If we are lucky, we may last another 50 years. And 50 years is just 2,500 weekends. Do we really need to get so worked up? It's ok, bunk a few classes, goof up a few interviews, fall in love. We are people, not programmed devices.

I've told you three things - reasonable goals, balance and not taking it too seriously that will nurture the spark. However, there are four storms in life that will threaten to completely put out the flame. These must be guarded against. These are disappointment, frustration, unfairness and loneliness of purpose.

Disappointment will come when your effort does not give you the expected return. If things don't go as planned or if you face failure. Failure is extremely difficult to handle, but those that do come out stronger. What did this failure teach me? is the question you will need to ask. You will feel miserable. You will want to quit, like I wanted to when nine publishers rejected my first book. Some IITians kill themselves over low grades – how silly is that? But that is how much failure can hurt you. But it's life. If challenges could always be overcome, they would cease to be a challenge. And remember - if you are failing at something, that means you are at your limit or potential. And that's where you want to be.

Disappointment's cousin is frustration, the second storm. Have you ever been frustrated? It happens when things are stuck. This is especially relevant in India. From traffic jams to getting that job you deserve, sometimes things take so long that you don't know if you chose the right goal. After books, I set the goal of writing for Bollywood, as I thought they needed writers. I am called extremely lucky, but it took me five years to get close to a release. Frustration saps excitement, and turns your initial energy into something negative, making you a bitter person. How did I deal with it? A realistic assessment of the time involved – movies take a long time to make even though they are watched quickly, seeking a certain enjoyment in the process rather than the end result – at least I was learning how to write scripts, having a side plan – I had my third book to write and even something as simple as pleasurable distractions in your life - friends, food, travel can help you overcome it. Remember, nothing is to be taken seriously. Frustration is a sign somewhere, you took it too seriously.

Unfairness - this is hardest to deal with, but unfortunately that is how our country works. People with connections, rich dads, beautiful faces, pedigree find it easier to make it – not just in Bollywood, but everywhere. And sometimes it is just plain luck. There are so few opportunities in India, so many stars need to be aligned for you to make it happen. Merit and hard work is not always linked to achievement in the short term, but the long term correlation is high, and ultimately things do work out. But realize, there will be some people luckier than you. In fact, to have an opportunity to go to college and understand this speech in English means you are pretty damm lucky by Indian standards. Let's be grateful for what we have and get the strength to accept what we don't. I have so much love from my readers that other writers cannot even imagine it. However, I don't get literary praise. It's ok. I don't look like Aishwarya Rai, but I have two boys who I think are more beautiful than her. It's ok. Don't let unfairness kill your spark.
Finally, the last point that can kill your spark is isolation. As you grow older you will realize you are unique. When you are little, all kids want Ice cream and Spiderman. As you grow older to college, you still are a lot like your friends. But ten years later and you realize you are unique. What you want, what you believe in, what makes you feel, may be different from even the people closest to you. This can create conflict as your goals may not match with others. . And you may drop some of them. Basketball captains in college invariably stop playing basketball by the time they have their second child. They give up something that meant so much to them. They do it for their family. But in doing that, the spark dies. Never, ever make that compromise. Love yourself first, and then others.

There you go. I've told you the four thunderstorms - disappointment, frustration, unfairness and isolation. You cannot avoid them, as like the monsoon they will come into your life at regular intervals. You just need to keep the raincoat handy to not let the spark die.
I welcome you again to the most wonderful years of your life. If someone gave me the choice to go back in time, I will surely choose college. But I also hope that ten years later as well, your eyes will shine the same way as they do today.. That you will Keep the Spark alive, not only through college, but through the next 2,500 weekends. And I hope not just you, but my whole country will keep that spark alive, as we really need it now more than any moment in history. And there is something cool about saying - I come from the land of a billion sparks.

Thank You!

Untold truth: A myth called Indian Programmer

Are we (Indian software professionals) just thousands of caterpillars who keep climbing a wall, the height of which they don't know. They clamber over each other, fall, start again, but keep climbing. They don't know that they can eventually fly!!!

Read the following article from Times of India -------

They are the poster boys of matrimonial classifieds. They are paid handsomely, perceived to be intelligent and travel abroad frequently. Single-handedly, they brought purpose to the otherwise sleepy city of Bangalore.

Indian software engineers are today the face of a third-world rebellion. But what exactly do they do? That's a disturbing question. Last week, during the annual fair of the software industry's apex body Nasscom, no one uttered a word about India's programmers.

The event, which brought together software professionals from around the world, used up all its 29 sessions to discuss prospects to improve the performance of software companies. Panels chose to debate extensively on subjects like managing innovation, business growth and multiple geographies.

But there was nothing on programmers, who you would imagine are the driving force behind the success of the Indian software companies. Perhaps you imagined wrong. "It is an explosive truth that local software companies won't accept.

Most software professionals in India are not programmers, they are mere coders," says a senior executive from a global consultancy firm, who has helped Nasscom in researching its industry reports.

In industry parlance, coders are akin to smart assembly line workers as opposed to programmers who are plant engineers. Programmers are the brains, the glorious visionaries who create things. Large software programmes that often run into billions of lines are designed and developed by a handful of programmers.

Coders follow instructions to write, evaluate and test small components of the large program. As a computer science student in IIT Mumbai puts it if programming requires a post graduate level of knowledge of complex algorithms and programming methods, coding requires only high school knowledge of the subject.

Coding is also the grime job. It is repetitive and monotonous. Coders know that. They feel stuck in their jobs. They have fallen into the trap of the software hype and now realise that though their status is glorified in the society, intellectually they are stranded.
Companies do not offer them stock options anymore and their salaries are not growing at the spectacular rates at which they did a few years ago.

"There is nothing new to learn from the job I am doing in Pune. I could have done it with some training even after passing high school," says a 25-year-old who joined Infosys after finishing his engineering course in Nagpur.

A Microsoft analyst says, "Like our manufacturing industry, the Indian software industry is largely a process driven one. That should speak for the fact that we still don't have a domestic software product like Yahoo or Google to use in our daily lives."

IIT graduates have consciously shunned India's best known companies like Infosys and TCS, though they offered very attractive salaries. Last year, from IIT Powai, the top three Indian IT companies got just 10 students out of the 574 who passed out.

The best computer science students prefer to join companies like Google and Trilogy. Krishna Prasad from the College of Engineering, Guindy, Chennai, who did not bite Infosys' offer, says, "The entrance test to join TCS is a joke compared to the one in Trilogy. That speaks of what the Indian firms are looking for."

A senior TCS executive, who requested anonymity, admitted that the perception of coders is changing even within the company. It is a gloomy outlook. He believes it has a lot to do with business dynamics.

The executive, a programmer for two decades, says that in the late '70s and early '80s, software drew a motley set of professionals from all kinds of fields.

In the mid-'90s, as onsite projects increased dramatically, software companies started picking all the engineers they could as the US authorities granted visas only to graduates who had four years of education after high school.

"After Y2K, as American companies discovered India's cheap software professionals, the demand for engineers shot up," the executive says. Most of these engineers were coders. They were almost identical workers who sat long hours to write line after line of codes, or test a fraction of a programme.

They did not complain because their pay and perks were good. Now, the demand for coding has diminished, and there is a churning.

Over the years, due to the improved communication networks and increased reliability of Indian firms, projects that required a worker to be at a client's site, say in America, are dwindling in number. And with it the need for engineers who have four years of education after high school.

Graduates from non-professional courses, companies know, can do the engineer's job equally well. Also, over the years, as Indian companies have already coded for many common applications like banking, insurance and accounting, they have created libraries of code which they reuse.

Top software companies have now started recruiting science graduates who will be trained alongside engineers and deployed in the same projects. The CEO of India's largest software company TCS, S Ramadorai, had earlier explained, "The core programming still requires technical skills.

But, there are other jobs we found that can be done by graduates." NIIT's Arvind Thakur says, "We have always maintained that it is the aptitude and not qualifications that is vital for programming. In fact, there are cases where graduate programmers have done better than the ones from the engineering stream."

Software engineers are increasingly getting dejected. Sachin Rao, one of the coders stuck in the routine of a job that does not excite him anymore, has been toying with the idea of moving out of Infosys but cannot find a different kind of "break", given his coding experience.

He sums up his plight by vaguely recollecting a story in which thousands of caterpillars keep climbing a wall, the height of which they don't know. They clamber over each other, fall, start again, but keep climbing. They don't know that they can eventually fly.

Rao cannot remember how the story ends but feels the coders of India today are like the caterpillars who plod their way through while there are more spectacular ways of reaching the various destinations of life.

Think ‘bout it!!!