Keyboad Shortkutzz

Topic of this week "Keyboad Shortkutzz". Learn a new keyboard shortcuts. For people who dont like to use the mouse.
* CTRL+C (Copy)
* CTRL+X (Cut)
* CTRL+V (Paste)
* CTRL+Z (Undo)
* DELETE (Delete)
* SHIFT+DELETE (Delete the selected item permanently without placing the item in the Recycle Bin)
* CTRL while dragging an item (Copy the selected item)
* CTRL+SHIFT while dragging an item (Create a shortcut to the selected item)
* F2 key (Rename the selected item)
* CTRL+RIGHT ARROW (Move the insertion point to the beginning of the next word)
* CTRL+LEFT ARROW (Move the insertion point to the beginning of the previous word)
* CTRL+DOWN ARROW (Move the insertion point to the beginning of the next paragraph)
* CTRL+UP ARROW (Move the insertion point to the beginning of the previous paragraph)
* CTRL+SHIFT with any of the arrow keys (Highlight a block of text)
* SHIFT with any of the arrow keys (Select more than one item in a window or on the desktop, or select text in a document)
* CTRL+A (Select all)
* F3 key (Search for a file or a folder)
* ALT+ENTER (View the properties for the selected item)
* ALT+F4 (Close the active item, or quit the active program)
* ALT+ENTER (Display the properties of the selected object)
* ALT+SPACEBAR (Open the shortcut menu for the active window)
* CTRL+F4 (Close the active document in programs that enable you to have multiple documents open simultaneously)
* ALT+TAB (Switch between the open items)
* ALT+ESC (Cycle through items in the order that they had been opened)
* F6 key (Cycle through the screen elements in a window or on the desktop)
* F4 key (Display the Address bar list in My Computer or Windows Explorer)
* SHIFT+F10 (Display the shortcut menu for the selected item)
* ALT+SPACEBAR (Display the System menu for the active window)
* CTRL+ESC (Display the Start menu)
* ALT+Underlined letter in a menu name (Display the corresponding menu)
* Underlined letter in a command name on an open menu (Perform the corresponding command)
* F10 key (Activate the menu bar in the active program)
* RIGHT ARROW (Open the next menu to the right, or open a submenu)
* LEFT ARROW (Open the next menu to the left, or close a submenu)
* F5 key (Update the active window)
* BACKSPACE (View the folder one level up in My Computer or Windows Explorer)
* ESC (Cancel the current task)
* SHIFT when you insert a CD-ROM into the CD-ROM drive (Prevent the CD-ROM from automatically playing)
* CTRL+SHIFT+ESC (Open Task Manager)

Dialog box keyboard shortcuts
If you press SHIFT+F8 in extended selection list boxes, you enable extended selection mode. In this mode, you can use an arrow key to move a cursor without changing the selection. You can press CTRL+SPACEBAR or SHIFT+SPACEBAR to adjust the selection. To cancel extended selection mode, press SHIFT+F8 again. Extended selection mode cancels itself when you move the focus to another control.

• CTRL+TAB (Move forward through the tabs)
• CTRL+SHIFT+TAB (Move backward through the tabs)
• TAB (Move forward through the options)
• SHIFT+TAB (Move backward through the options)
• ALT+Underlined letter (Perform the corresponding command or select the corresponding option)
• ENTER (Perform the command for the active option or button)
• SPACEBAR (Select or clear the check box if the active option is a check box)
• Arrow keys (Select a button if the active option is a group of option buttons)
• F1 key (Display Help)
• F4 key (Display the items in the active list)
• BACKSPACE (Open a folder one level up if a folder is selected in the Save As or Open dialog box)

Microsoft natural keyboard shortcuts

• Windows Logo (Display or hide the Start menu)
• Windows Logo+BREAK (Display the System Properties dialog box)
• Windows Logo+D (Display the desktop)
• Windows Logo+M (Minimize all of the windows)
• Windows Logo+SHIFT+M (Restore the minimized windows)
• Windows Logo+E (Open My Computer)
• Windows Logo+F (Search for a file or a folder)
• CTRL+Windows Logo+F (Search for computers)
• Windows Logo+F1 (Display Windows Help)
• Windows Logo+ L (Lock the keyboard)
• Windows Logo+R (Open the Run dialog box)
• Windows Logo+U (Open Utility Manager)

Accessibility keyboard shortcuts

• Right SHIFT for eight seconds (Switch FilterKeys either on or off)
• Left ALT+left SHIFT+PRINT SCREEN (Switch High Contrast either on or off)
• Left ALT+left SHIFT+NUM LOCK (Switch the MouseKeys either on or off)
• SHIFT five times (Switch the StickyKeys either on or off)
• NUM LOCK for five seconds (Switch the ToggleKeys either on or off)
• Windows Logo +U (Open Utility Manager)

Windows Explorer keyboard shortcuts

• END (Display the bottom of the active window)
• HOME (Display the top of the active window)
• NUM LOCK+Asterisk sign (*) (Display all of the subfolders that are under the selected folder)
• NUM LOCK+Plus sign (+) (Display the contents of the selected folder)
• NUM LOCK+Minus sign (-) (Collapse the selected folder)
• LEFT ARROW (Collapse the current selection if it is expanded, or select the parent folder)
• RIGHT ARROW (Display the current selection if it is collapsed, or select the first subfolder)

Shortcut keys for Character Map
After you double-click a character on the grid of characters, you can move through the grid by using the keyboard shortcuts:

• RIGHT ARROW (Move to the right or to the beginning of the next line)
• LEFT ARROW (Move to the left or to the end of the previous line)
• UP ARROW (Move up one row)
• DOWN ARROW (Move down one row)
• PAGE UP (Move up one screen at a time)
• PAGE DOWN (Move down one screen at a time)
• HOME (Move to the beginning of the line)
• END (Move to the end of the line)
• CTRL+HOME (Move to the first character)
• CTRL+END (Move to the last character)
• SPACEBAR (Switch between Enlarged and Normal mode when a character is selected)

Microsoft Management Console (MMC) main window keyboard shortcuts

• CTRL+O (Open a saved console)
• CTRL+N (Open a new console)
• CTRL+S (Save the open console)
• CTRL+M (Add or remove a console item)
• CTRL+W (Open a new window)
• F5 key (Update the content of all console windows)
• ALT+SPACEBAR (Display the MMC window menu)
• ALT+F4 (Close the console)
• ALT+A (Display the Action menu)
• ALT+V (Display the View menu)
• ALT+F (Display the File menu)
• ALT+O (Display the Favorites menu)

MMC console window keyboard shortcuts

• CTRL+P (Print the current page or active pane)
• ALT+Minus sign (-) (Display the window menu for the active console window)
• SHIFT+F10 (Display the Action shortcut menu for the selected item)
• F1 key (Open the Help topic, if any, for the selected item)
• F5 key (Update the content of all console windows)
• CTRL+F10 (Maximize the active console window)
• CTRL+F5 (Restore the active console window)
• ALT+ENTER (Display the Properties dialog box, if any, for the selected item)
• F2 key (Rename the selected item)
• CTRL+F4 (Close the active console window. When a console has only one console window, this shortcut closes the console)

Remote desktop connection navigation

• CTRL+ALT+END (Open the Microsoft Windows NT Security dialog box)
• ALT+PAGE UP (Switch between programs from left to right)
• ALT+PAGE DOWN (Switch between programs from right to left)
• ALT+INSERT (Cycle through the programs in most recently used order)
• ALT+HOME (Display the Start menu)
• CTRL+ALT+BREAK (Switch the client computer between a window and a full screen)
• ALT+DELETE (Display the Windows menu)
• CTRL+ALT+Minus sign (-) (Place a snapshot of the entire client window area on the Terminal server clipboard and provide the same functionality as pressing ALT+PRINT SCREEN on a local computer.)
• CTRL+ALT+Plus sign (+) (Place a snapshot of the active window in the client on the Terminal server clipboard and provide the same functionality as pressing PRINT SCREEN on a local computer.)

Microsoft Internet Explorer navigation

• CTRL+B (Open the Organize Favorites dialog box)
• CTRL+E (Open the Search bar)
• CTRL+F (Start the Find utility)
• CTRL+H (Open the History bar)
• CTRL+I (Open the Favorites bar)
• CTRL+L (Open the Open dialog box)
• CTRL+N (Start another instance of the browser with the same Web address)
• CTRL+O (Open the Open dialog box, the same as CTRL+L)
• CTRL+P (Open the Print dialog box)
• CTRL+R (Update the current Web page)
• CTRL+W (Close the current window)

Please get back to us if u have any queries regarding the shortkutzz

Things People should know about Employees Provident Fund

1) Your PF entitles you to pension too

Despite the popularity of the EPF as a saving tool, not many people are enthused by or even aware of the Employees’ Pension Scheme. Introduced in 1995, it is funded by diverting 8.3%, or a little more than a third of your PF contribution. The pension on retirement is linked to the number of years in service and the average salary drawn in the year before retirement.

However, the scheme has failed to draw the EPFO’s 5 crore members because of the measly payouts associated with it. The reason is that since most employers pay PF only on the mandatory salary cap of Rs 6,500 per month, the pension income for a majority of workers is abysmally low, at times, less than Rs 1,000 a month.

It is, however, possible to get a higher pension income. “Good employers like Infosys pay Provident Fund contributions on the entire basic salaries,” says SC Chatterjee, the Central PF Commissioner. “If your basic pay is Rs 30,000 a month, employers can invest 24% of this amount into your PF account. “You will be entitled to a pension on the basis of your actual basic pay rather than Rs 6,500,” he adds.

For salaries up to Rs 6,500:

For salaries up to Rs 6,500, the government also chips in with a subsidy of Rs 75. This added up to Rs 994 crore for all EPF members in 2009-10. Another way smart employers help boost the pension is by raising the worker’s salary in the last year of employment.

“Suppose I earn Rs 25,000 and contribute 8.33% towards EPS. However, on my 57th birthday, my employer can raise my salary to Rs 1 lakh. Since my salary for the last one year will be Rs 1 lakh, I can get a pension of around Rs 50,000. So you can get twice your original salary as pension,” says Chatterjee.

However, for this to happen, the employer should have contributed his share to the Provident Fund on the actual basic salary, not the mandated limit of Rs 6,500 for the entire service period. Though this is not fair to other workers who are part of the pension pool, the pension scheme’s design makes this manipulation possible.

EPS money as a lump sum along with your PF balance

If you don’t want a pension from EPF, you can get the EPS money as a lump sum along with your PF balance. The benefit will not be linked to the actual contributions made, but to your last year’s average salary and the number of years in service.

What if: You retire early, die in harness, change jobs…

If you retire before the age of 58

Even if you stop working before reaching the age of superannuation, you can avail of pension benefits. However, you shouldn’t be less than 50 years of age. Also, the pension amount will be reduced by 2% for every year. So, if after working for 25 years, you take retirement at 50, your pension amount should be Rs 2,321 per month. But as you left service eight years before the age of superannuation, your pension will be reduced by 16%—it will be Rs 1,950.

If you have worked for less than 10 years

If you have completed less than 10 years of service, you can avail of the pension as a lump sum by opting for the withdrawal benefit. This amount will be provided to you on the basis of your annual contribution to the pension fund multiplied by the number of years that you have completed in service. You will also be entitled to a small interest on this amount, again depending on the number of years that you have been in service.

If you die before retiring

If you die while you are employed with an organisation, your pension benefit is not lost. Your legal heirs will be entitled to a pension, which is a maximum of Rs 1,000 per month (Rs 750 for spouse and Rs 250 for two children till they turn 25).

However, you should have put in a minimum of one month’s service to avail of this benefit. Also, the widow will not be entitled to a pension if she marries again, while dependent parents will be if the employee has no eligible family or has made no nomination.

If you change jobs

When you change jobs, and shift you PF account, your pension doesn’t automatically get transferred. You need to apply for a scheme certificate through Form 10C and route it through the new employer. The certificate has details of the previous employer and years of pension contribution.

“The PF account is linked to an individual, but the EPS scheme is pool-based and can’t be started all over again. So when you change jobs, your earlier service is not considered and it reduces the pension amount,” says Chatterjee.

2) Insurance benefits

Besides a monthly stream of income, the EPF subscription entitles you to an insurance cover on your life through the Employees’ Deposit Linked Insurance (EDLI) scheme. For this, your organisation contributes 0.5% of your monthly basic pay, capped at Rs 6,500, as premium.

Till recently the insurance amount was entirely linked to the balance in your PF. According to the new rules, your cover amount is higher of the two: 20 times the average wages of the past 12 months (up to Rs 6,500 per month), that is Rs 1,30,000, or the full amount in your PF account up to Rs 50,000 and 40% of the balance amount.

3) Claim interest on withdrawn amount

The EPF rate has to be declared at the beginning of every financial year so that all members withdrawing or retiring from the system through the year get the interest that is due to them. But in recent years, the EPF rate has become a matter of prolonged political debate and is often declared and notified much after the end of the financial year.

Till the rate is notified for a particular year, workers’ withdrawals are credited at the previous year’s rate. For instance, in 2010-11, the Labour Ministry announced a rate of 9.5%, but it is yet to be notified. So, lakhs of workers, whose PF claims have been settled so far, have lost out on the 1% increase over last year’s rate of 8.5%.

The Central PF Commissioner admits this is a problem, but has promised that his department will pay the difference to all the affected members. “If you have withdrawn your PF balance during this year while the government hasn’t notified the PF rate, you can approach your PF office later to pay you the higher interest rate on the balance,” says Chatterjee.

If, on the other hand, your claim is not settled within 30 days of applying, you can move the court. If it is established that the delay was due to ‘inadequate reasons’, you will be entitled to an interest on the balance at the rate of 1% for every month of delay.

4) Use EPF to fund the following

Have you finally zeroed in on your dream house but are running short of funds? Or perhaps your child’s education cost is more than you had planned for? At such times, it’s easy to fall back on your EPF savings. While you cannot withdraw the entire corpus to fund such needs, you can do so partially for specific occasions, such as children’s education, marriages, or for buying a house or a plot of land.

Go through the following list to find out when you can avail of this facility, the amount you can withdraw and the conditions you need to fulfill.

Marriage or education of self, children or siblings

–> You should have completed a minimum of seven years of service.

–> The maximum amount you can draw is 50% of your contribution (12% of the basic salary).

–> You can avail of it three times in your working life.

–> You will have to submit the wedding invite or a certified copy of the fee payable to the educational institution.

Medical treatment for Self or family (spouse, children, dependent parents)

–> You can avail of it for major surgical operations in a hospital or by those suffering from TB, leprosy, paralysis, cancer, mental derangement or heart ailments.

–> The maximum amount you can draw is six times your salary or the entire contribution made by you till date, whichever is less.

–> You must show proof of hospitalisation for one month or more with leave certificate for that period from your employer. You must also prove that you are not a member of the Employees’ State Insurance Corporation or are unable to use its facilities for surgery/treatment.

Repay a housing loan for a house in the name of self, spouse or owned jointly

–> You should have completed at least 10 years of service.

–> You are eligible to withdraw an amount that is up to 36 times your wages.

Alterations/repairs to an existing home for house in the name of self, spouse or jointly

–> You need a minimum service of five years (10 years for repairs) after the house was built/bought.

–> You can draw up to 12 times the wages, only once.

Damage due to natural calamity

–> You can withdraw up to Rs 5,000 or 50% of your contribution to the provident fund.

–> You have to apply within four months of the calamity.

–> As proof, you need a certificate of damage from the requisite authority and a calamity declaration by the state government.

 

Construction or purchase of house or flat/site or plot for self or spouse or joint ownership

–> You should have completed at least five years of service.

–> The maximum amount you can avail of is 36 times your wages. To buy a site or plot, the amount is 24 times your salary.

–> Can be avail of it just once during the entire service.

Equipment purchased by physically handicapped employees

–> You can draw up to six months’ basic salary and dearness allowance, or your share of PF contribution with interest, or the cost of equipment.

–> You will have to submit a medical certificate.

5) Premature withdrawal

Under the EPF Act, you cannot withdraw the full amount in your provident fund account before the age of superannuation. However, if you suffer permanent and complete disability or are moving abroad to settle, you can withdraw this amount. It is also possible to do so in case of mass retrenchment by the employer.

If, however, you retire voluntarily before you are 55 years old, you cannot withdraw the full amount. Under normal circumstances, you can withdraw up to 90% of the fund amount after you turn 54 or within one year of actual retirement or superannuation, whichever is earlier.

6) Have your grievances addressed

The EPF Organisation has a grievance redressal mechanism in place and it is covered under the Consumer Protection Act. The process of registering your grievance is simple. All you have to do is log on to epfigms.gov.in/. Since late last year, the EPFO has become a part of the Centralised Public Grievances Redressal and Monitoring System, which allows you to register the grievances and track their status online.

It’s a centralised system, so all your complaints are also monitored by the head office. “We reply to all the grievance within 30 days of their receipt. If someone is not satisfied with the response, he/she can come and meet me,” says Chatterjee.

Strategic game plans and plays to clear CA exams

Hey everyone I am back again with another article and this time it is based on future aspects rather than past experience as like previous articles.

A guide to IPCC:

http://www.caclubindia.com/articles/important-for-ipcc-approach-to-success-6909.asp

A motivational quote for a finalist:

http://www.caclubindia.com/articles/don-t-lose-hope-it-s-just-a-matter-of-8-months-9311.asp

And finally a self realisation article:

http://www.caclubindia.com/articles/experience-of-being-in-ca-final-9875.asp

All those were based on past experience but this one is focused on a reply to all your queries I generally received from the readers and TARGETING Nov’11 exams {CA final}. Truly speaking I never wanted to share my secrets but as I progress in life I found that I am better off while helping others, so here are some of the Strategic Game Plans & Plays which one may follow to try clear their exams.

Some of them was so weird one can’t expect. How can I know what are your personal capabilities and circumstances under which you are living, people ask such things that they want a direct spoon in their mouth? Sorry friends that thing is not possible for anyone.

Importance of a plan

Seriously friends I don’t know how many of you believe it or not but it is a real fact that we can never ignore for a course like CA. Plans are very important and have a meaning only if they are written. Why written…?

The benefits which I found are:-

1. Paste a written plan on your bed side wall. It constantly reminds us of our goals, otherwise we will forget those in 3-4 days and again aimless.
2. If you try to think you will find that the way is easier and our steps are faster when we know the target. Written is just like a target where we had to go.
3. A day wasted in preparing a plan can save upto 10 days implementing it. {it’s proved}
4. It will increase your efficiency and effectiveness.

How to make it

Again this is the approach I followed and you may take it as an example and draft your own.

Step I: Initial Phase

First of all take whole of your syllabus and 8 fresh pages {for final exams}. Draw out a table having columns being Sl.no., Topic, Time Required {in hrs.}, and remarks. Start noting down each and every topic allotting reasonable time.

From this you will get to know the total time required for you preparation. Then attach a master sheet which shall include only those topics which are not done at all or pending or revision as shown below to get a bird’s eye view.

Month	Topics/subjects/chapters	Time Required	Remarks
June	……………….	xxx	40% done till 15th ….
	………….	xxx
	………….	xxx
	………………	xxx
	………….
July

 

Step II: Get deeper

Then we come to deeper level of planning within a framework as decided in above step. Here start your plan day wise. Use this link to download a calendar in word format and Make a daily target and write in corresponding box and see next day how efficient you are.

http://www.wincalendar.com/2011-Word-Calendar.htm

Write targets at start of months and pending work at the end.

Step III: Mental preparation

1. Please friends try it once, leave it if you found it unsuccessful as it would waste your only a day but may save upto 10 days.
2. Most important is to daily follow your schedule and fill all your calendar entries as only then it could prove successful.
3. Don’t make weird and absurd plans. Make schedule according to your capabilities.
4. And finally don’t get feared for exams. It is A CHARTERED ACCOUNTANT exam. We are never failed until we quit.

I found some useful lyrics of a song ---

Chaani jo khaak to mitt ke sona, tu ban gaya

Ghamon ki aag mein tap ke sooraj, tu ban gaya

Chaani jo khaak to mitt ke sona, tu ban gaya

Gamon ki aag mein tap ke sooraj, tu ban gaya

Aaj paaya hai tuney, sab kho ke mureeda

Mili jannat tujhe to, jab bigda naseeba


Haathon se nikli manzil jab yeh daaman chhuth gaya

Aye bekhabar tu benoor ho ke roshan ho gaya

Bhari hai yeh khaali si jholi jo tu bhatka dar badar

Yeh bhi na jaane yeh kaafir ki dua ka hai asar

Jo taare se toota, sab khwaish milegi

Zara haathon ko phailaa, mannatein sab milengi



Hua tabah aur hadd se zyada khoya jab qaraar

Udhi udhi tab saansein jaise udta hai gubaar

Socha karey kis pal mein dil ko raahat hai mili

Khuda ke ghar mein taalim tujhko gir ke jab mili

Aaj paaya hai tuney, sab kho ke mureeda

Mili jannat tujhe to, jab bigda naseeba

On a request of some member this is my ID’s

Gmail: saurabh7567@gmail.com

Fb: http://www.facebook.com/profile.php?id=100000607218445

 

Last but not the least you may anytime mail me your queries and I’ll try to solve those but don’t get weird questions like:-

 

1. Mujhe plan banana nahi aata, kya karu ?? {if you can’t make after reading above, then think once again that are you eligible to carry a prestigious award of CA in your name}

 

2. Maine toh abhi tak kuch bhi nahi kiya, November is how possible ??  {use it for May}

 

3. Aap hi bana ke dedo ?? {don’t ask for answer on this question, I have some very dangerous thoughts}

 

4. Blah blah blah………

 http://readnewsforchange.blogspot.com/

I Can't but he can

This is something that I want to talk about, I want you to know about, I want the students like me who don’t have confidence in them or completely lost their confidence during struggling tenure to trust about.

 

Hey Friends.... It’s not just a story; it’s a real fact miracle which happened in my life.

 

I Hope this will also inspire you and give you assurance when you completely lost hope and totally blank in your life what to do next?

 

It’s my real life story since from the childhood. I was a duffer student not even an average student. Till 5th Standard all things were going on good even I can define it well but as I stepped in to standard 6th life doesn’t seems that easy it was before. The things become hard to cope up, Studies became tough, self respect was agenda, and the Leadership quality in friends circle was the only thing which I was fighting for.

 

As I told You I was not at all good in studies. My life took a very bad turn, my enjoying life seems to be worst and worst day by day. For e.g. smiling face to crying face Playing with friends to Playing with the Teacher slaps cycling to racing with scholars due to parent’s pressure. All the things just changed me. I was just surrounded by the fear. I was so afraid about the scolding which will come from teachers, tuition teachers, mom.............. The days went on and on I was going on losing my confidence the school days remained same. I was not at all interested in studies. I was just interested in eating, watching television, cycling, dancing and bla bla other things except studies all were my passion.. Upto School routine days it was ok but the exams days was trouble for me. I was totally messed up with things the subjects were so boring I can say ENGLISH-NOT INTERESTED MARATHI-VERY WEAK IN IT MATHS-WAS NOT SOLVING MY PROBLEMS IN LIFE HISTORY-INTERESTED IN FUTURE GEOGRAPHY-MAPS WHERE MAKING THOUSAND MAPS IN MY MIND HINDI-WAS OK DRAWING-IT WAS THE ONLY SUBJECT WHICH I LIKE TO SIT FOR EXAM.

 

So friends you can easily make out from above how difficult the school life was for me not even a single subject I can cope up with Exams days pass on but the result day was still to come and the tension surrounded every minute from the last exam day till result day...the fear of parents, the fear of what society will say, the fear of what if I lose my one whole year.

 

Same as a very duffer student I was the same visiting to every temple of my town to get through this problem of passing which was the sole aim every year I have "PLEASE BHAGWAN IS BARE PASS KAR DO NEXT TIME I WILL STUDY HARD" Every single year it was the same lifestyle but you will be interested what finally happen in my result day. The result day was a day which made me believe that I cant but he can .I always used to pass with the grace marks and that day I was damn happy that I went to next new class without failing.

 

Till 10th standard it was the same I begged him I can say every time I challenged him if you are there then I want a proof come on accept my challenge clear my exams and prove that your existence is there and every time he proved. I secured 63% in my SSC Board exams. My dad, mom, my family doesn’t have any hopes from me. I think Same as other parents they also thought that any how I should complete my graduation..But my Life took a turn just I was believing that I CANT BUT HE CAN. I was enjoying my life without studying and depending on god that he will do every thing as every time .I stopped worrying about results as I was doing in my School times because there was a huge support I started living my life, enjoying with my friends, enjoying my studies and I didn’t had any clue what it resulted it resulted 82% in my HSC now this what called miracle in my life.

 

A miracle which turned my life. I, a graced passed girl had gained that much of confidence in God that I appeared for CPT examination and cleared in first attempt and now a CA Student Which turned my life.

 

Now I am getting a huge respect, love, and friend’s attention every thing which I was struggling for..... A DROP OF INK MAKE MILLIONS TO THINK. So it’s a message for everyone when you completely frustrated out of things just think I CANT BUT HE CAN and start Life without worrying more and enjoying a lot.......

 

http://readnewsforchange.blogspot.com/

Purpose Of Your life

When a man does not know what harbor he is making for, no wind is the right wind.”

-Seneca

"A person with a clear purpose will make progress on even the roughest road. A person with no purpose will make no progress on even the smoothest road."

-Thomas Carlyle

I believe each one of us is born with a unique purpose in life to fulfill. I believe there is a meaning to each one of our lives - that God does not create anything without reason. Purpose is what gives us a real sense of direction to our life.  Without knowing our purpose, it is very easy to get sidetracked. Without purpose, we may be climbing the wrong ladder, and cutting down the wrong tree. Without purpose, we may be running very efficiently indeed, but headed in the opposite direction to where we really want to go!

As Henry David Thoreau said “Many wise men go fishing all of their life without knowing it is not fish they are after”. Having a purpose can mean the difference between making a living and making a life. Consistency of purpose is the secret of all successful people. Without a purpose, the actions we take and the goals we chase may not bring us fulfillment. Purpose is the why behind everything we do.

Here are the life purpose statements of some highly successful people:

“To uplift humanity’s consciousness through business”

-D.C Cordova - cofounder of the Excellerated Business School

“To humbly serve the Lord by being a loving, playful, powerful, and passionate example of the absolute joy that is available to us the moment we rejoice in God’s gifts and sincerely love and serve all of his creations.”

-Anthony Robbins, self-help guru

“To leave the world a better place than I found it, for horses and for people”

-Monty Roberts, author of “the man who listens to Horses”

“To create and inspire one million millionaires who each give $1 million to their church or charity”

-Mark Victor Hansen, coauthor of the “Chicken soup of the soul” series

How can we discover our life purpose?

The joy that we experience in doing certain activities is the real key to discovering our life purpose. Joy is our inner guidance system. An activity that is aligned with our purpose gives us immense joy. A person who is doing what is true to his purpose if often willing to do it even if he does not get paid for the work, as the satisfaction from the work is itself enough compensation for the work done.

Think of all of the times since childhood when you were inspired and really joyful. What were you doing then?  How were you feeling? What was common in all the life experiences that gave you immense joy? Chances are that your purpose has something to do with those experiences. Also you can attempt to find your life purpose in meditation. After a session of meditation, ask yourself “What is the purpose of my life?”, “What am I here to do?” Allow the answer to come to you.

A purpose needs to mention not only what we will do and achieve, but also how our life will impact people around us. "Making a million dollars" can be a personal goal - it is however not a purpose, as it does not include other people in the statement.

Some questions you can ask yourself to find out about your purpose:

• What work would you do, which you enjoy so much that you would be happy even if you did not get paid for it?
• What does your heart long to do?
• Who are you? Are you an athlete? An artist? An scientific mind? A businessman? A rockstar?
• What do you love to become in your future?
• What would you love to learn?
• If there is something that you would teach, what would it be?
• What drives you? love? peace? adventure? security?
• What do you what to experience in this life?

"Purpose" is different from "goal"

Many times, people take "purpose" and "goal" to be one and the same. They are not one and the same. Here are the differences:

A goal is something that you attain one day, after striving towards it for sometime. Purpose is something that you are, because of which you have the drive to get up each morning and do what you want to do.

Your goal is one of your destinations, whereas purpose is your journey.

Attainment of goals/dreams is the effect, your purpose is the drive/cause.

Your goal gives you some direction, whereas purpose gives you something greater - a meaning for your life, without which even attained goals may not satisfy you for long.

Does our life purpose have to be grand?

It is not necessary that each one of us need to define a life purpose that has plans to change the whole world. Each of us has unique talents, skills, and drives. - we experience joy in doing different things. When you are on purpose, you become the best possible you, and only you know what makes you the best you.

Can a life purpose change?

Absolutely. We are all growing bigger and better each day. As we grow, so will our life purpose. Define your life purpose, and expect to refine it along the way.

My purpose:

The purpose of my life is to humbly serve God by inspiring and empowering people to live a life full of love, joy and fulfillment.

How did I arrive at the above purpose?

I found that I experience great joy when I write inspirational articles/quotes, and when I am answering questions that ask for solutions to challenging life situations. It brings me great fulfillment to know that my work impacts the lives of many people positively. I love learning and sharing wisdom. I love to take something apparently complex and explain it in a simple way. I love contemplating on different topics on a daily basis and writing on them. Finally, I realize that humility and a mentality of service to people and God is important to me. I notice a difference in the quality of my work when done with ego and without ego, and pray that my work be done in surrender to the divine, without a sense of doer ship.

What clues did my earlier life give me towards my current purpose?

I have always immensely enjoyed problem solving since childhood. Also I enjoyed performing in front of people, whether it was solving math problems in front of class, acting in plays, or performing in a singing competition in college. In tenth grade, I was very happy and proud when a teacher appreciated me and read out a poem and essay I had written in front of the class. I also love playing chess, won the Bombay selection tournament and qualified to play at state level. I realize that all of these things are somehow related to what I think is my purpose now. For example - The love for chess denotes my love to think, to strategize, to employ different tactics to solve problems. Being comfortable in penning down my thoughts in school was a hint that I could later do this relative ease - which I am doing now. Also being in front of people and giving some type of performance came up on multiple occasions in my past, which is what I do now on this page as well. I give these examples from my past not to boast about it, but to give you an idea as to how you can look for clues from your past to search for your life purpose. Your purpose is about doing something that you are good at, and from which you derive a lot of joy.

I highly encourage you to think about your life purpose with the guidelines above, and post it as a comment below this article. Do not focus on making it too perfect - it is better to define something and refine later. Getting clarity of purpose will greatly enhance the quality of your life. It will guide you in making many important decisions as your life unfolds, and will bring your much success, joy and fulfillment.

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Innovative Techniques for Effective Studies

The Law of evidence plays a pivotal role in the effective functioning of the judicial system. “The existence of substantive rights can only be established by relevant and admissible evidence.” Relevancy of facts is the key to determine the outcome of the judicial process which is based on fair trial without fear or favor and upholding the principles of Natural Justice and Human Rights.  Hence the importance of evidence neither be overlooked nor be ignored. The proof of evidence comes out of documents and the establishment of relevant evidence is through the verification of documents. Hence the documents and verification of documents are very important and very essential to establish the truth and to bring Justice.

A writing is a document, Section 3; Indian Evidence Act defines evidence as under:

Evidence means and includes-

(a) All statements which the court permits or requires to be made before it by witnesses, in relation to matters of facts under inquiry, such statements are called oral evidence;

(b) All documents including electronic records produced for the inspection of the court; such documents are called documentary evidence.

What are Bank documents? It is generally believed that the documents signed by any person to avail any facility alone are bank documents. If anybody nurses such a belief, then he is wrong particularly for a borrower. The very first day when a potential customer approaches a bank to establish a relationship with the bank through an interaction, the potential document and the proof thereof begins. There are oral and documentary evidences. Oral evidence need not constitute documentary evidence. But when minutes of the meetings / discussions are recorded, it becomes a documentary proof.

1. Banks do not entertain any proposal without a preliminary discussion and if such discussion takes place neither the minutes of the meeting and discussion are recorded nor the gist of the meeting is made either by the bank or by the prospective borrower. Thus an opportunity to create a document is lost for the prospective borrower.

2. If the discussion bears fruit, then the bank requests their prospective borrower to submit their application for bank facility containing all relevant information along with the detailed project report of the proposed venture. The bank may also ask the borrower to open their account and start their bank transactions so that the bank can monitor their activities from the very beginning itself. One of the most important aspects of opening the account is the introduction of KYC norms which should be complied with and it is mandatory. The bank customer is entitled to receive the certified copies the aforesaid documents and these constitute the first documents.

3. After the receipt of the application for bank facilities along with the project report, the bank undertakes a technical feasibility and economic viability study in detail. During the course of the study the bank may raise many queries and sometimes further discussion on the project proposal for which the borrower client will have to give convincing and satisfactory replies in writing. It may be noted if any meetings and discussions take place with regard to the proposed project, then the minutes of the meeting and discussion should be recorded in detail and duly acknowledged by the borrower and the bank officials. If the bank is satisfied with the replies of the borrower customer, then they after discussion sanction the facilities and intimate the borrower in writing regarding the sanction with all relevant terms and conditions. The entire process is carried out through various documents and these constitute very important documents.

4. Once the loan is sanctioned, the bank conveys their sanction in duplicate with all the terms and conditions to the borrower along with all relevant documents and related papers and get them acknowledged by the borrower for having accepted the terms and conditions. If the borrower belongs to corporate sector, then a resolution is passed by the borrower company for having accepted the terms and conditions as per the bank’s requirement. The entire documents and papers and letters exchanged between the bank and the borrower become very important documents.

5. In case the bank rejects the proposal, then they have to give valid reasons for rejecting the proposal and if the borrower is not satisfied with the reasons, then they can make a representation to the bank to reconsider their decision.

6. After the sanction of the facility, the borrower executes bank documents with regard to the facilities sanctioned so as to enable the bank to create security documents legally binding the bank and the borrower so that the bank becomes a secured creditor. After fulfilling and complying with all the terms and conditions as stipulated in the sanction letter, the bank releases the funds for the utilization of released fund for the purpose for which it is released. If the borrower is a company incorporated as per the Company law, then they will have to create charge on the secured assets in favor of the bank within 30 days from the date of the documents.  Subsequently there can be modification, verification and satisfaction of the charges created. All these form important documents.

7. The moment the bank releases the funds, credit monitoring by the bank begins. Since bank credit is purpose oriented, post sanction supervision, control and monitoring of credit becomes very important. Further it also helps the bank to prevent any slippage by which the account becomes an NPA. Hence if credit monitoring is done judiciously, diligently, honestly and focusing on the purpose for which the credit was granted, then it can prevent the account becoming NPA and the unit becoming sick.

The supervision, control and monitoring of credit may be divided into the following categories.

(I) (a) Legal control. (b) Physical control. (c) Financial control.

(II) Off-site and onsite inspection and supervision.

(III) Off-site supervision by banks.

(IV) Returns / statements submitted to the bank at the instance of Reserve Bank of India. 

They are:

(a)   Quarterly Information System (QIS) Forms I and Form II

(b)   Half Yearly operating fund flow statement – Form III

(c)   Annual review.

(d)   Monthly statement of select operational data (MSOD).

(e)   Control at the instance of the bank.

(f)     Monthly Stock Statement and yearly stock audit.

All the above items constitute yet other important documents more so they contain bank’s observations. 

8. Besides, any correspondence exchanged between the borrower and the bank becomes documentary evidence. Hence the communication becomes an important toll which will aid the borrower to establish his credibility.

9. The importance of verification of documents is based on the fact that the contents of the documents may be proved either by primary or secondary evidence. The principle is “best evidence in the possession of power of the party must be produced. What the best evidence is, it must depend upon circumstances. Generally speaking, the original document is the best evidence. This is the general and ordinary rule; the contents can only be proved by the writing itself.” Further, “The contents of every written paper are, according to the ordinary and well established rules of evidence, to be proved by the paper itself, and by that alone, if the paper is in existence.” This tenet of law clearly establishes the need for verification of documents. Besides, the existence of any onerous clause or any distortion in the terms and conditions as laid down in the sanction letter or any breach of contract if any, and any lacuna that exists in the document can be established only by verification of the documents.

10. In the ultimate analysis, communication is the most vital aspect of any dealings particularly so in legal matters. It can make a life or mar a life. 

Author

T.R.Radhakrishnan

Banking & Management Consultant,

Facilitator: DRT ACT & SARFAESI ACT,

H.R.Trainer: Corporate, Colleges and Schools, 

E-mail: trr1941@yahoo.co.in; trrk1941@gmail.com


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