Amazing Flexible Female Gymnasts


The Best Sources Of Protein

Top Protein Sources In the World - Let's get healthy!

Protein is a highly important part of our diet. In fact it is literally the building block that makes up our body.When it comes to protein you really literally are what you eat. Eating good quality protein then will help your body to heal wounds, build muscle and create other tissue. However not all protein is made equal, and if you want to get the very best protein then you need to carefully select your sources. Here we will look at some of the best sources of protein in the world, whether you are looking for them for building muscle, or just to stay in shape. The different protein sources here have different benefits, and some of the sources have other unrelated health benefits too, so here we'll give a brief description of each source and why its so good along with its listing.
Egg: Egg  is one of the best sources of protein in the world in terms of lean protein, and is quite likely in fact the best source full stop. Egg white has very little fat in it so many people will leave the yolk out when then eat egg for its protein. However this is actually a mistake as only when the white and the yolk are combined do they contain all 27 amino acids (the exact number of amino acids depends on the report you read, but the most recent data suggests there are 27) and egg is the only source of protein that does. It is highly important that the body gets all 27 amino acids every day to be able to perform all of the maintenance tasks it needs to because each amino acid is used for a different job. Normally then you need to eat multiple sources of protein in each helping. As such egg is certainly one of the best protein sources in the world and the only source that is sufficient to meet the body's requirements on its own. Some bodybuilders will eat egg raw but this can actually lead to a biotin deficiency which results in loss of muscle mass.
Chicken: Chicken is superior to red meat in terms of the lean protein and has comparatively very little fat. Meanwhile it is also highly 'bio available' which means that the body can use more of the protein found in chicken than it can in red meat. However chicken lacks some of the other benefits of red meat. For eating in high quantities and for sportsmen and women chicken is one of the most popular and best sources of protein in the world.
Tuna: Tuna fish, like chicken, is one of the best sources of protein in the world in terms of how lean and bio-available it is. At the same time though it also has several other benefits. It is high in the essential fatty acid 'Omega 3' which makes it great for the joints and again aids with the body's protein absorption. Meanwhile this also boosts IQ and helps to keep the joints supple.

Whey: Whey is the protein source that is found in most 'protein shakes'. It is a by-product of the cheese making process so comes from milk. It is highly bio-available and also very convenient in powder form allowing for it to be easily carried around and eaten in very large quantities. Most manufacturers will also include many other complimentary ingredients such as creatine to ensure that they are the best sources of protein in the world.

Milk, Cheese, and Yogurt

Not only are dairy foods -- like milk, cheese, and yogurt -- excellent sources of protein but they also contain valuable calcium. Choose skim or low fat dairy to keep bones and teeth strong, prevent osteoporosis, and enhance weight loss.


Online Dating Stats

Avatar - The Most Pirated Movie of The Year

When Avatar was released last year, it went on to set tons of records including as the most successful film in history with gross revenue of more than RM 6.26 billion (USD 2 billion). The film also managed to set another record - although it is not as prestigious as the one I've mentioned just now - as the fastest movie to be pirated with more than 200,000 download in just four days after it was premiered.

Web Designers vs Web Developers


Oil your way to Gorgeous Hair

To oil or not to oil is a question many ask. Tradition shows that regular oil massage actually benefits hair health. Despite new-fangled products, hair oils to this day remain a major part of an Indian woman's daily hair-care regime. According to Trichologist, Dr Apoorva Shah, regular oil massages stimulate hair growth as blood circulation to the roots get better leading to strong roots and better hair regeneration.

"Using the right kinds of hair oils can help you in dealing with scalp problems like dandruff, alopecia, and itchiness. Since it is a well-known moisturiser, it keeps the scalp soothed, and reduces split ends," he adds. Most hair-care experts agree that whatever be the texture of your hair, it is necessary to massage in some oil at least once a week to keep the scalp in good condition.

If you have normal scalp, coconut oil is your best option. On hot summer days, it also helps cool down the head. For dry hair, apply almond or castor oil on the scalp. Castor oil is thick and it enhances the hair growth. Along with almond oil, it nourishes the hair. Almond oil is rich in vitamin E, which is good for dry dehydrated scalp.
Five steps to apply oil

Aesthetician and aromatherapist Dr Blossom Kocchar says, "Hair oil should be applied in the right manner in order to derive maximum benefits. Massaging oil into the scalp stimulates the scalp and activates the hair follicles, which leads to better hair growth. Hot oil treatment if carried out appropriately gives amazing results."

Step 1: Always use hot to warm oil. Hot oil penetrates better than oil that is at room temperature. So heat the oil in a small bowl over a low flame.


World's First Dual Screen Laptop Toshiba Libretto W100

This tablet has two touchscreens, each with LED backlighting and 1,024 x 600 resolution. You will note the virtual keyboard, and it is billed as "the world's first dual touch-screen Windows mini-notebook PC". It can be used both vertically and horizontally, thanks to a built-in accelerometer. The battery life is good for 2 or 4 hours with high-capacity battery.Other features include Intel Pentium U5400 CPU, 62GB SSD, 2GB RAM, WiMAX, Wi-Fi 802.11 b/g/n, Bluetooth 2.1, Micro SD/SDHC slot, USB port, and Windows 7 Home Premium 32bit.


Mark Zuckerberg — TIME Person of the Year 2010

Facebook's Mark Zuckerberg has officially become the second youngest person ever to be named Time Magazine's Person Of The Year.

Facebook founder and CEO Mark Zuckerberg has been named Time magazine's "Person of the Year" for 2010.

At 26, Zuckerberg is the youngest "Person of the Year" since the first one chosen, Charles Lindbergh; he was 25 when he was named in 1927, Time said Wednesday. Zuckerberg beat out Britain's Queen Elizabeth II by just two weeks: She was 26 when she was named in 1952.

Incidentally, Queen Elizabeth II has recently joined Zuckerberg's social networking behemoth.

Zuckerberg has put himself on the map not only as one of the world's youngest billionaires, but also as a prominent newcomer to the world of philanthropy.

Earlier this year, he pledged $100 million over five years to the Newark, New Jersey, school system. Now, he's in the company of media titans Carl Icahn, 74, Barry Diller, 68, and others who have joined Giving Pledge, an effort led by Microsoft founder Bill Gates and investor Warren Buffett to commit the country's wealthiest people to step up their charitable donations.

Zuckerberg owns about a quarter of Facebook's shares. Zuckerberg has built Facebook into an international phenomenon by stretching the lines of social convention and embracing a new and far more permeable definition of community. In this new world, users are able to construct a social network well beyond what would ever be possible face-to-face.

"I'm trying to make the world a more open place," Zuckerberg says in the "bio" line of his own Facebook page.

Born in Zuckerberg's Harvard dorm room, the site has in six years grown to more than 500 million users worldwide and a dollar worth in the billions.

Facebook was the subject of director David Fincher and screenwriter Aaron Sorkin's film "The Social Network. It features a dark portrayal of Zuckerberg by Jesse Eisenberg, as well as the direction he's taking his company and his status as one of America's most influential figures.

The film has been picked as the best of the year by the New York Film Critics Circle, the Los Angeles Film Critics Association and the National Board of Review. On Tuesday, it received six Golden Globe nominations, including best picture, drama, going up against its chief rival, the British monarchy tale "The King's Speech," which led with seven nominations.

Time's "Person of the Year" is the person or thing that has most influenced the culture and the news during the past year for good or for ill.

Federal Reserve Chairman Ben Bernanke received the honor last year. The 2008 winner was then-President-elect Barack Obama. The 2007 winner was Russian Prime Minister Vladimir Putin.

Other previous winners have included Bono, President George W. Bush, and Amazon.com CEO and founder Jeff Bezos.

Hero, Honda part ways after 26 years

India's Hero group and Japan's Honda Motor Co Thursday formally ended their 26-year-old association that had become the world's largest manufacturer of two-wheelers.
The Hero group will buy the 26-percent foreign stake in the Indian firm.

The pact calls for Hero Group gradually launching its own products in the Indian market, and the royalty being paid to Honda will gradually start coming down from January. The two groups, however, declined to give any financial details.

'The times have changed. The markets have changed. The vision has changed. This company wants to go beyond where it is today. This company wants to go beyond borders, it wants to do stuff which it is not supposed to do,' said Hero group's co-promoter Pawan Munjal.


Narayanan Krishnan - A Selfless True Hero


IIM Bangalore among world's top 25 B-schools

The Indian Institute of Management Bangalore (IIM-B) has been ranked 24th while IIM-Ahmedabad ranked 55th in a worldwide survey of 'Universal Business Schools with major international influence'.

The results of the annual survey 'Eduniversal Worldwide Business Schools Ranking 2010' conducted by French consulting firm SMBG amongst deans of 1000 business schools were officially announced in Prague at the third Eduniversal world convention, IIM-B said in a statement.

"This is the third consecutive annual recognition of IIM-B as the number one business school in India" it said.

The institute has been awarded '5 Palmes', given to the top 100 business schools. The ranking positions IIM-B in the top 25 amongst 100 best business schools worldwide. Notably, only two Indian B-Schools feature in the Top 100.

"The ranking by Eduniversal positions IIM-B in the first quartile of the 100 best business schools worldwide. This acknowledgment from an independent international firm consolidates our status as a leading international management school," Professor Pankaj Chandra, Director (IIM-B) said.

"Over the past year we have made significant enhancements to faculties, curriculum and infrastructure. We have obtained EQUIS accreditation and are taking steps to further diversify our courses so that we continue to remain the business school preferred by post-graduate and doctoral students throughout the Asian region," he said.

The ranking uses a comprehensive methodology that takes into account all the aspects of a business schools' influence on three different levels: international recognition through accreditations, memberships and international, regional and local rankings; international awareness through votes of the 1,000 deans and suggestions from members of the international scientific committee appointed by Eduniversal.

Mercedes-Benz new night vision technology

Mercedes-Benz has unveiled an auxiliary spotlight feature for its so-called Active Night View Assist headlamps to provide what it describes as “an enhanced level of pedestrian safety”.

Until now Active Night View Assist has used an infra-red camera to record ghostly video of pedestrians within a pre-determined field ahead of the car and subsequently play it in real time on a monitor within instrument binnacle - thus alerting the driver to a potential safety hazard at night or in low light conditions.

The new feature, which is designed to work at speeds above 45kph, sets out to provide not only the driver but also pedestrians with an enhanced warning by employing a spotlight to illuminate the area where the camera detects their presence. The spotlight feature relies on the existing infra-red camera mounted within the headlamp assembly to detect pedestrians at distances of up to 80 metres and uses the main beam function of the headlamps to light up the immediate area where they are detected. Depending on the existing speed, pedestrians can be illuminated up to four times before the car arrives.

A second camera mounted within the windscreen, where it also assists the functions for Mercedes’ Speed Limit Assist and Lane Keeping Assist, records the position of other cars and determines whether it is safe to illuminate the area where pedestrians are detected. If the headlamps are set to dipped beam, the pedestrian is illuminated with the spotlight function beyond the field of the dipped beam.


CBI Website Hacked

New Delhi, Dec 4: Hackers from pakistan hacked in Indian CBI website on Friday, Dec 3, and left a warning note which submitted that, “Indian cyber army should not attack Pakistan websites,” the hackers exclaimed that they are from Paksistan cyber army. The warning note also carried the information regarding controls provided by the National Informatics Center, an authority which works computer server across the country.
In a major embarrassment, the website of the Central Bureau of Investigation (CBI) was hacked on Friday night by programmers identifying themselves as “Pakistani Cyber Army”.
The home page of the CBI website had a message from the ‘Pakistani Cyber Army’ warning the Indian Cyber Army not to attack their websites.
The CBI website, supposed to be one of the most secure websites, is connected to the command centre of world police organisation – Interpol – 24×7.
The message from the hackers also spoke about the filtering controls provided by the National Informatics Centre (NIC), a body which mans computer servers across the country. It also claims to have hacked another 270 websites.
Intelligence agencies have been often warning the government that proper cyber security was not being ensured in government offices and that no security audit was being carried out.
The website has still not been restored. In a late night statement, the investigating agency said, “CBI is aware that its official website has been hacked and defaced. An inquiry has been launched and necessary remedial measures are underway to restore it.”


Amazing Futuristic Bicycle Designs

Amazing Bicycles For The Future of Seoul

Seoul is one city that is conscious of the fact that we need to ride more bicycles and loosen up the traffic congestion. To advocate their intent Seoul Design Fair hosted the Seoul Cycle Design Competition 2010, where entries from around the world we welcomed. The mission was to provide a cycle for the city dweller, so that he can adopt cycling into his daily routine and lead a healthy lifestyle. The city on its part, promises to provide all the infrastructure needed to promote it. Some of the entries are:

Full Circle by Sanghyun jeong & Jun-Tae Park

Main Features: compact sized city bike, large wheel size (508mm, 20inch), no chains but free wheel gear directly connects to its pedal, most of its parts can be folded, including saddle and handle bars.

Molecule by Yongjin Lee

Main Features: body is modeled on the river Han of Seoul, unique shape.


Helo by Junkyo Lee

Main Features: unique body, integrated lock design to prevent theft.


Toyota India unveils the Etios & the Liva

Finally the much awaited Toyota's made for India Sedan ETIOS is launched. Work of 4000 engineers for last 4 years being showcased to the world, for the first time.

Mr Yoshinori, Chief Engineer behind ETIOS explained how an extensive market research which lead to the design of the new sedan. The research revealed that India is a very cost conscious but image conscious also. Mileage, Price and Style the 3 important factor for the Indian buyer. Toyota decided to leverage on their strong point of Quality and then attack the cliche of being a premium market product company, that Toyota is associated with.

ETIOS stands for Spirit and Principle.

All new design for India and then for the world, its a true Sedan design not a hatch redesigned to be a sedan. Spacious inside and compact outside, smiling front, flat rear floor pan, side skirts, smooth C pillars, chrome boot guard etc

Dash design inspired from aircraft design. Interesting to note that the design won the Good design award in Japan in 2010.

ARAI rating of 17.6 KMPL should be music to ears for the Indian customer.

Specific for Indian conditions, points to note are the: anti corrosion steel, Rocker mould (thats the ruff thingie on the running board), protection for fuel and brake lines.

  • Dealership increased from 97 in Dec 09 To 150 by Dec 2010
  • Brand ambassador AR Rahman
  • USP Premium product at affordable price
  • Hatchback planned for launch in April 2011. LIVA depicting Full Of Life.
  • TV commercial being aired starting tomorrow
  • Booking open today @ 50k and delivery by Jan 2011.

The 1.5-liter gasoline-powered Etios sedan will cost Rs. 496,000 ($10,870) for the base variant at showrooms in New Delhi. The top-end version will cost 686,500 rupees. Suzuki's Swift Dzire sedan costs 488,558 rupees for the base model, while Tata Motors Ltd.'s Manza sedan is priced at 512,732 rupees.
Toyota's decision to make the global launch of the Etios in India, where rising incomes of the country's estimated 300 million middle class is fueling demand for new vehicles, reflects the importance of the world's second-fastest growing major economy for auto makers.

Khushwant Singh launches his book The Sunset Club

The chilly winter Delhi evening was dominated by two unique individuals. And could there have been a greater contrast between these two personalities? He, the 'dirty old man,' touching an unbelievable grand age of 97 ("If I make a century I will be lucky"), in a wheelchair and a black ski hat, his glass of Scotch beside him.
She, a sober, dignified lady, elegant in pearls and a beautiful blue silk sari, her manner modest and gracious.

Khushwant Singh, writer, and Gursharan Kaur, the prime minister's wife.
"She is a crowd-puller! I discovered she could draw as many people as a star from Hollywood," Singh says, explaining why he always invites Mrs Manmohan Singh to his book launches.

"Sometimes she comes uninvited," he adds, mock grumbling. The witty Sardar explains that he unabashedly uses his Gursharan Kaur connection and often shows off to friends when flowers arrive from the prime minister's home for him.

Religion / Spirituality : The Difference

Religion is spiritual and spirituality can also be considered religious. One tends to be more personal and private while the other tends to incorporate public rituals and organized doctrines. The lines between one and the other may often not be clear or distinct depending on the interpretation.

Religion is an institution established by man for various reasons. Exert control, instill morality, stroke egos, or whatever it does. Organized, structured religions all but remove god from the equation. You confess your sins to a clergy member, go to elaborate churches to worship, told what to pray and when to pray it. All those factors remove you from god. Spirituality is born in a person and develops in the person. It may be kick started by a religion, or it may be kick started by a revelation. Spirituality extends to all facets of a person’s life. Spirituality is chosen while religion is often times forced. Being spiritual to me is more important and better than being religious.

True spirituality is something that is found deep within oneself. It is your way of loving, accepting and relating to the world and people around you. It cannot be found in a church or by believing in a certain way.

In favour of the spiritual path:

* There is not one religion, but hundreds.
* There is only one type of spirituality.


EU launches antitrust probe into alleged Google abuses

The European Commission has launched an investigation into Google after other search engines complained that the firm had abused its dominant position.

The EC will examine whether the world's largest search engine penalised competing services in its results. 

The probe follows complaints by firms including price comparison site Foundem and legal search engine ejustice.fr.
Google denies the allegations but said it would work with the Commission to "address any concerns".

Earlier this year the attorney general of Texas launched a similar investigation following complaints from firms including Foundem. 

The objections in both cases are from competitors which allege that Google manipulates its search results. 

"The European Commission has decided to open an antitrust investigation into allegations that Google has abused a dominant position in online search," the body said in a statement. 

It said the action followed "complaints by search service providers about unfavourable treatment of their services in Google's unpaid and sponsored search results coupled with an alleged preferential placement of Google's own services."

Honda's Hatchback Brio unveiled

Honda BRIO Prototype makes World Premiere at the 27th Thailand International Motor Expo 2010. The new hatchback is developed for Asian markets and scheduled to be introduced in India in 2011. 

Honda BRIO further advances Honda’s “man maximum, machine minimum” concept. Being developed as a commuter vehicle which is easy-to-use even in urban areas, the Honda BRIO prototype adopts an easy-to-handle compact body (length 3,610mm x width 1,680mm x height 1,475 mm).

Gay Pride Parade Delhi 2010

Under Delhi's beautiful November afternoon sun, nearly two thousand young men and women marched on Sunday to mark the city's third Queer Pride parade.
This year's colourful and celebratory parade starting at the end of Barakhamba Road near Connaught Place and ending next to Jantar Mantar -- was the first march after last year's Delhi high court verdict that struck down the antiquated Article 377 of Indian Penal Code.
"I am always reminded of my school days in the 1960s," said 57-year-old artist Sunil Gupta as he observed the marchers gather at Barakhamba Road. Gupta has attended all the three Delhi parades.
"It seemed it would never happen in my lifetime. What's surprising is that the rate of change has accelerated. The first year there were fewer people wearing more masks, and today there are more people in fewer masks," he observed.

There were many masks, but a lot of people wore them more to add colour to their looks, and less to hide their faces. As a lot of people observed, this year's parade, with over 2,000 boisterous marchers, included many youngsters - gays, lesbians, transgenders, but also straight people.
"There is a real change this year," said Gautam Bhan, an activist and one of the organisers of the parade.

"At the first pride parade there were four of us who gave interviews to the media. The numbers of supporting crowds have increased. There are new faces and new people talking to the press and that's fantastic," he said.

In the pride parades of the West, everything appears more orderly, and marchers are represented by ethnic, national, and other political and social groups. But here it was one big party along Delhi's Tolstoy Marg, with many people dancing to the beats of drums. And the cooler weather made it easier for people to break into dance.

The first pride parade in Delhi had about 800 marchers. Last year's parade, held a few days before the high court judgment, had nearly 1,500 marchers. The number was far higher this year.


WikiLeaks reveals how US snoops on friends and foes

Nearly 250,000 classified United States documents procured by WikiLeaks give detail about a wide variety of secret diplomatic episodes and incidences of backroom bargaining, the New York Times reported on Sunday.

The confidential cache of US cables released to the paper by the whistleblower website was described by the Times as the one that unlocks the secrets of American diplomacy. The newspaper made public the details contained in the documents on Sunday, some time after WikiLeaks said its website was under a cyber attack.

"A cache of a quarter-million confidential American diplomatic cables, most of them from the past three years, provides an unprecedented look at backroom bargaining by embassies around the world, brutally candid views of foreign leaders and frank assessments of nuclear and terrorist threats," The Times said in its lead story. 

US-Pak stand-off over nuclear fuel
More eminent newspapers across the globe are expected to follow suit, even as WikiLeaks on its Twitter account said that it is "currently under a mass distributed denial of service attack". It added that even if its website goes down, a number of newspapers will go ahead and publish the documents.

These documents, according to NYT, reveal a dangerous standoff with Pakistan over nuclear fuel. Since 2007, the US has mounted a highly secret effort, so far unsuccessful, to remove from a Pakistani research reactor highly enriched uranium that American officials fear could be diverted for use in an illicit nuclear device.

In May 2009, Ambassador Anne W Patterson reported that Pakistan was refusing to schedule a visit by American technical experts because, as a Pakistani official said, "if the local media got word of the fuel removal, they certainly would portray it as the United States taking Pakistan's nuclear weapons, he argued".

China on a hacking spree
Besides, they also provide an insight into a global computer hacking effort initiated by the Chinese government. China's politburo directed the intrusion into Google's computer systems, a Chinese contact told the American embassy in Beijing in January, according to one cable.

The Google hacking was part of a coordinated campaign of computer sabotage carried out by government operatives, private security experts and Internet outlaws recruited by the Chinese government.

They have broken into American government computers and those of Western allies, the Dalai Lama and American businesses since 2002, the cables said.

The White House immediately condemned the release strongly, saying it risked the lives of thousands of diplomats and officials and endangered its relationship with friends and allies.

 WikiLeaks exposed rights abuse in Iraq
Top officials of the Obama administration called up several countries including India and warned them about the imminent release of such classified US documents.

The Pentagon condemned what it called a 'reckless' act, and said it has initiated measures to prevent such leaks in the future ahead of the imminent release. The State Department asked it to return the 'illegally obtained' papers, insisting that their leak would "endanger the lives of countless individuals."

The Twitter message by WikiLeaks earlier said that El Pais, Le Monde, Speigel, Guardian and New York Times newspapers will publish many US embassy cables on Sunday night, even if WikiLeaks goes down.

The website has earlier released thousands of documents on the US-led wars in Iraq and Afghanistan. In October, WikiLeaks released four lakh secret US files on Iraq war detailing abuse of Iraqi prisoners in US custody, rights violations and civilian deaths.
Earlier in July, the website had published tens of thousands of secret documents on the war in Afghanistan.

WikiLeaks founder Julian Assange on Sunday said the soon-to-be released classified US documents will cover 'every major issue' in the world.

Late on Saturday, Washington rejected talks with WikiLeaks, saying the website was holding the cables in violation of US law. However, Assange has rejected the claim that the release would put to harm many lives.

The 251,287 cables, first acquired by WikiLeaks, were provided to The Times by an intermediary on the condition of anonymity. Many are unclassified, and none are marked 'top secret', the government's most secure communications status.

 China hacks Google, US spies on allies 
The NYT reported that details contained in the released documents include plans to reunite the Korean peninsula after the North's eventual collapse and bargaining over the repatriation of Guantanamo Bay detainees.

The cables also detail fresh suspicions about corruption in Afghanistan and Saudi donors financing Al Qaeda. Many more cables name diplomats' confidential sources, from foreign legislators and military officers to human rights activists and journalists, often with a warning to Washington: 'Please protect' or 'Strictly protect'.

The cables show that nearly a decade after the attacks of September 11, 2001, the shadow of terrorism still dominates the United States' relations with the world.

They depict the Obama administration struggling to sort out which Pakistanis are trustworthy partners against Al Qaeda, adding Australians who have disappeared in the Middle East to terrorist watch lists, and assessing whether a lurking rickshaw driver in Lahore, was awaiting fares or conducting surveillance of the road to the US Consulate, the daily said.

"They show American officials managing relations with a China on the rise and a Russia retreating from democracy. They document years of painstaking effort to prevent Iran from building a nuclear weapon and of worry about a possible Israeli strike on Iran with the same goal," it said. 

In Haryana, get a bride for Rs 1,000 from Bihar

CHANDIGARH: Haryana, reeling under a skewed sex ratio, is faced with yet another startling fact – an NGO has found that girls are being "bought" and brought to Haryana from 20 states across the country. The state's sex ratio stands at 837 in the 0-6 years age group, its lowest in the last five years and second only to Punjab.

In one case, the family of a girl from Bihar was paid just Rs 1,000.

In its report released in Pune on Saturday, the NGO, Drishti Stree Adhyayan Prabodhan Kendra, has found that most of the girls were brought from West Bengal, Bihar, Andhra Pradesh and Assam. It's findings also indicate that girls were bought within the state too.

The NGO surveyed 10,190 households in Haryana and found 318 women who were bought and married off to men in Haryana. The NGO has shared the findings with the Haryana government.

Important Money Management Formulas

Managing money can involve calculations to understand the worth of an investment. To arrive at a result, calculations can be done in a different way or by using a different formula.

Even the same formula can be used differently to arrive at a certain result. Here are a few commonly used money management formulas.

Compound Interest

I want to take a loan of Rs 1 lakh to buy a used car. How much will the car cost me at an annual interest rate of 8 per cent for four years?
The compound interest formula can be used here to calculate the final cost, which would include the loan amount and the interest paid. The amount that is actually paid for Rs 1 lakh is Rs 1,36,048.90. The total amount of interest charged for borrowing Rs 1 lakh is Rs 36,048.90.

Formula: Future value = P(1 + R)^N

Type in: =100000(1+8%)^4 and hit enter. P: amount borrowed; R: rate of interest; N: time in years.

Also used for: Calculating the maturity value on lumpsum investment (bank fixed deposits and National Savings Certificate, for example) over a fixed period at a certain rate of interest.

Compound Annualised Growth Rate

I had invested Rs 1 lakh in a mutual fund five years back at an NAV of Rs 20. Now the NAV is Rs 70. How should I calculate my returns on an annual basis?

Compound annualised growth rate (CAGR) will be used here to calculate the growth over a period of time. The gain of Rs 50 over five years on the initial NAV of Rs 20 is a simple return of 250 per cent (50/20 * 100). However, it should not be construed as 50 per cent average return over five years.

Formula: CAGR = {[(M/I)^(1/N)] 1} * 100

Type in: =(((70/20)^(1/5))-1)*100 and hit enter. M: maturity value; I: initial value; N: time in years. CAGR here is 28.47%.

Also used for: Calculating the annualised returns on a lumpsum investment in shares.

Internal Rate of Return

I paid Rs 18,572 every year on a moneyback insurance policy bought 20 years back. Every fifth year, I received Rs 40,000 back and Rs 4.5 lakh on maturity. What was my rate of return?

The internal rate of return (IRR) has to be calculated here. It is the interest rate accrued on an investment that has outflows and inflows at the same regular periods.

In the excel page type Rs 18,572 as a negative figure (-18572), as it is an outflow, in the first cell. Paste the same figure till the twentieth cell.

Then, as every fifth year has an inflow of Rs 40,000, type in Rs 21,428 (40,000-18,572) in every fifth cell. In the twentieth cell, type in 18572. In the twenty first cell, type in Rs 4,50,000, which is the maturity value of the policy.

Then click on the cell below it and type: = IRR(A1:A21) and hit enter.

5.28% will show in the cell. This is your internal rate of return.

Also used for: Calculating returns on insurance endowment policies.


I bought 500 shares on 1 January 2007 at Rs 220, 100 shares on 10 January at Rs 185 and 50 shares at Rs 165 on 18 May 2008. On 21 June 2008, I sold off all the 650 shares at Rs 655. What is the return on my investment?

XIRR is used to determine the IRR when the outflows and inflows are at different periods. Calculation is similar to IRR's. Transaction date is mentioned on the left of the transaction.

In an excel sheet type out the data from the top most cell as shown here. Outflows figures are in negative and inflows in positive. In the cell below with the figure 4,25,750, type out =XIRR (B1:B4,A1:A4)*100

Hit enter. The cell will show 122.95%, the total return on investment.

Also used for: Calculating MF returns, especially SIP, or that for unit-linked insurance plans.

Post-Tax Return

My father wants a bank FD at 10 per cent return for five years. He pays income tax. What will be the returns?

The post-tax return has to be calculated here. The idea is to know the final returns on a fully taxable income. Interest income from the bank is taxed as per your tax slab.

Formula: ROI (ROI * TR)=Post-tax return

Type in: =10 (10 * 30.9%) and hit enter. You will get 6.91%

ROI: rate of interest; TR: tax rate (depends on tax slab)

Also used for: Calculating post-tax returns of national savings certificates, post-office time deposits, and Senior Citizens' Savings Scheme.

Pre-Tax Yield

My brother says that the investment in public provident fund (PPF), which gives 8 per cent, is the best. Isn't 8 per cent a low rate of return?

An investment's pre-tax yield tells us if its return is high or low. The return on PPF (8 per cent) is tax-free. Also, this has to compared with returns of a taxable income to estimate its worth. For someone paying a tax of 30.9 per cent, the pre-tax yield in PPF is 11.57 per cent. At present, there is no fixed, safe and assured-return option that has 11.57 per cent return and a post-tax return comparable to PPF's 8 per cent.

Formula: Pre-tax yield = ROI / (100-TR)*100

Type in: =8/(100-30.9)*100 and hit enter. You will get 11.57%. ROI: rate of interest, TR: tax rate, (depends on tax slab)

Also used for: Calculating the yield on an Employees' Provident Fund or any other tax-free instrument.


My family's monthly expense is Rs 50,000. At an inflation rate of 5 per cent, how much will I need 20 years hence with the same expenses?

The required amount can be calculated using the standard future value formula. Inflation means that over a period of time, you need more money to fund the same expense.

Formula: Required amt.=Present amt. *(1+inflation) ^no. of years

Type in: =50000*(1+5% or .05)^20 and hit enter. You will get Rs 1,32,664 as the answer, which is the required amount.

Also used for: Calculating maturity value on an investment.

Purchasing Power

My family's monthly expense is Rs 50,000. At an inflation rate of 5 per cent, how much will be the purchasing value of that amount after 20 years?

Inflation increases the amount you need to spend to fetch the same article and in a way reduces the purchasing power of the rupee. Here, Rs 50,000 after 20 years at an inflation of 5 per cent will be able to buy goods worth Rs 18,844 only.

Formula: Reduced amt.= Present amt. / (1 + inflation) ^no. of yrs

Type in: =50000/(1+5%)^20 and hit enter. You will get Rs 18,844, which is the reduced amount.

 Real Rate of Return

My father wants to make a one-year bank FD at 9 per cent. On maturity, he says, the capital will be preserved and he would get assured return on it.

It is true that fixed deposit is safe and gives assured returns. However, after adjusting for inflation, the real rate of return can be negative.

Formula: Real rate of return=[(1+ROR)/(1+i)-1]*100

Type in: =((1+9%)/(1+11%)-1)*100 and hit enter. -1.8% is the real rate of return. ROR: Rate of return per annum; i: rate of inflation (11 per cent here).

Doubling, Tripling of Money

I can get 12 per cent return on my equity investments. In how many years can I double or even triple my money?

Formula: No. of years to double = 72/expected return

Type in: =72/12 and hit enter. You will get 6 years. For tripling, type in: =114/12 and hit enter. You will get 9.5 years. For quadrupling, type in: =144/12 and hit enter to get 12 years.


Nokia C7 Price in India

Nokia C7 Price in India

Nokia has released its latest edition of mobile phones  the Nokia  C7 in India. Nokia C7 is available in India at Rs. 16000. Nokia C7 comes with 8 mega pixel camera with zoom function. It is a complete multimedia mobile phone.


Beautifully crafted design

Integrated social networks

Maps with free GPS navigation

Powered by Symbianˆ3

Micromax Android Phone | Micromax Andro A60

Micromax Andro takes a leap into Android phones under Rs. 10,000 bracket. Andro has 2.8-inch touchscreen supporting 320x240 pixel resolution which might not please the mobile fanatics. With dual-band GSM support this smartphone will be 3G ready and promises up to 7.2Mbps speeds via HSUPA and up to 5.76 speeds via HSDPA. Micromax has added Wi-Fi for wireless connectivity.

True Hyderabadi


Complicated Mechanical movement Mechanisms Explained with GIFs

Rotary Engine:
Also called wankel engine. Converts pressure into rotation motion instead of reciprocating pistons. found in cars like the mazda RX-7.

Radial Engines:

Used in aircrafts having propeller connected to the shaft delivering power in order to produce thrust its basic mechanism is as follows

Steam Engine:
once used in locomotives. Based on the reciprocating principle.