Saturday, April 30, 2011

For group sums - 3 sites and other reviews

SMScontos was a good site but the mess sent does not appear as it is send from the sender. But it appears as it LM Cantos.

Pro – 300letters per sms, no ad

Cons – as discussed abv, only one mess at 1 time (doubt)

Remark – not tried further.

Smslife.in not found

www.atrochatro.com/

not to use.. only one number

Note – import through excel or csv files --- the numbers are not correct – please check.

Smsze is same like way2sms….

Pro – 320 letters, future Sims, outbox etc..

Cons – same name cannot be added in different group. This facility is available in way2sms.

Freesms8

Sometimes when the sms are sent through these two sites, no ads, no site name…

Contacts cannot be uploaded


Must check the group sms for thses two sites…

Not to fprget India rocks as welell


Requirement of Group SMS site

1. Uploading contacts by csv files

2. Group SMS at one click (DeSelection option of few person must be given)

3. Schedule Group SMS

Thursday, April 28, 2011

gmail applications - check

http://www.ghacks.net/2009/02/09/gmail-90-tools-and-tips-to-make-you-a-gmail-pro/

Sent from my Nokia phone

Chanakya neeti

Chck it out
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Chanakya Quotes - Popular Quotes from Chanakya Neeti
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Chanakya was an Indian politician, strategist and writer,350 BC 75 BC. Chanakya is also known as Kautilya, the author of Arthashastra (Economics), or rather The Arthashastra identifies its author by the name Kautilya. He is also reffered to by the name Vishnugupta. He is known for his wisdom, and his teachings in statesmanship is unparalleled. Here are some of his wisdom quotes from chanakya neeti .
Chanakya Quotes
1.A man is great by deeds, not by birth.
2.A person should not be too honest. Straight trees are cut first and honest people are screwed first.
3.A good wife is one who serves her husband in the morning like a mother does, loves him in the day like a sister does and pleases him like a prostitute in the night.
4.A man is born alone and dies alone; and he experiences the good and bad consequences of his karma alone; and he goes alone to hell or the Supreme abode.
5.As long as your body is healthy and under control anddeath is distant, try to save your soul; when death is immanent what can you do?
6.As a single withered tree, if set aflame, causes a whole forest to burn, so does a rascal son destroy a whole family.
7.Do not reveal what you have thought upon doing, but by wise council keep it secret being determined to carryit into execution.
8.He who is overly attached to his family members experiences fear and sorrow, for the root of all grief is attachment. Thus one should discard attachment to be happy.
9.It is better to die than to preserve this life by incurringdisgrace. The loss of life causes but a moment's grief, but disgrace brings grief every day of one's life.
10.O wise man! Give your wealth only to the worthy andnever to others. The water of the sea received by the clouds is always sweet.
11.The life of an uneducated man is as useless as the tail of a dog which neither covers its rear end, nor protects it from the bites of insects.
12.One whose knowledge is confined to books and whose wealth is in the possession of others, can use neither his knowledge nor wealth when the need for them arises.
13.Purity of speech, of the mind, of the senses, and of acompassionate heart are needed by one who desires torise to the divine platform.
14.Test a servant while in the discharge of his duty, a relative in difficulty, a friend in adversity, and a wife in misfortune.
15.There is no austerity equal to a balanced mind, and there is no happiness equal to contentment; there is no disease like covetousness, and no virtue like mercy.
16.The biggest guru-mantra is: never share your secrets with anybody. It will destroy you. If you cannot keep your secrets with you then how can you trust others to keep them secret?
17.The earth is supported by the power of truth; it is thepower of truth that makes the sun shine and the winds blow; indeed all things rest upon truth.
18.The fragrance of flowers spreads only in the direction of the wind. But the goodness of a person spreads in all direction.
19.A rich man has many friends.
20.A woman is four times as shy, six times as brave andeight times as lusty as a man.
1.An egoist can be won over by being respected, a crazy person can be won over by allowing him to behave in an insane manner and a wise person can be won over by truth.
2.As centesimal droppings will fill a pot so also are knowledge, virtue and wealth gradually obtained.
3.As soon as the fear approaches near, attack and destroy it.
4.Avoid him who talks sweetly before you but tries to ruin you behind your back, for he is like a pitcher of poison with milk on top.
5.Before you start some work, always ask yourself three questions - Why am I doing it? What the results might be? And Will I be successful? Only when you think deeply and find satisfactory answers to these questions, go ahead.
6.Books are as useful to a stupid person as a mirror is useful to a blind person.
7.Education is the best friend. An educated person is respected everywhere. Education beats the beauty and the youth.
8.Even if a snake is not poisonous, it should pretend to be venomous.
9.God is not present in idols. Your feelings are your god.The soul is your temple.
10.He who befriends a man whose conduct is vicious, whose vision impure, and who is notoriously crooked, israpidly ruined.
11.If you get to learn something even from the worst ofcreatures, don't hesitate.
12.In a state where the ruler lives like a common man, the citizens live like kings do. And in the state where the ruler lives like a king, the citizens live like beggars do.
13.Jealousy is another name for failure.
14.Never go on a long journey alone.
15.Never make friends with people who are above or below you in status. Such friendships will never give youany happiness.
16.Once you start working on something, don't be afraid of failure and don't abandon it. People who work sincerely are the happiest.
17.One who is in search of knowledge should give up the search of pleasure and the one who is in search of pleasure should give up the search of knowledge.
18.The biggest guru-mantra is: Never share your secrets with anybody. It will destroy you.
19.The four greatest enemies of a man are - the father who has taken a loan, the characterless mother, the beautiful but promiscuous wife and the stupid child.
20.The fragrance of flowers spreads only in the direction of the wind. But the goodness of a person spreads in all directions.
21.The world's biggest power is the youth and beauty of a woman.
22.There is some self-interest behind every friendship. There is no friendship without self-interests. This is a bitter truth.
23.Treat your kid like a darling for the first five years. For the next five years, scold them. By the time they turnsixteen, treat them like a friend. Your grown up children are your best friends.
24.Whores don't live in company of poor men, birds don't build nests on a tree that doesn't bear fruits and citizens never support a weak administration.
25.Wise men should never go into a country where there are no means of earning one's livelihood, where the people have no dread of anybody, have no sense of shame, no intelligence, or a charitable disposition.
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User Comments
srikanth.02@gmail.com on Fri, Jun 15th, 2007 at 11:13 PM
It's really good , i have suddenly seen this while surgfing , i have seen bitter truth's which true . Hope you will send some quotes like this and encourage people with your quotes. Regards, Got Impressed.
manish.bhingarde@gmail.com on Wed, Jul 18th, 2007 at 2:34 AM
This is gist of life. Unfortunately no institution teaches this now a days. " CHANAKYA NITI " should be brought into education. While surfing suddenly i came across this thread. Thanks to all of you who put their efforts into this. Best regards / Manish Bhingarde
anjan_hra@yahoo.co.in on Fri, Oct 31st, 2008 at 1:51 AM
Its very useful for me. I am trying to apply these quotesby chankya.
hani123@gmail.com on Tue, Dec 9th, 2008 at 1:23 AM
Very nice article and informative quotes by Chanakya. Thanks a lot.
abhey2k@yahoo.co.uk on Thu, Feb 5th, 2009 at 10:58AM
Great quotes from the prodigy like Chanakya!
ckprabhukanth@gmail.com on Fri, Feb 6th, 2009 at 6:03 AM
Very nice article that one should follow in their life. Its agreat gift to Indians.
anoop_1992@yahoo.com on Fri, Apr 24th, 2009 at 12:30 PM
Excellent, these golden quotes are eternal like sacred books.
kwamit@gmail.com on Wed, Jul 29th, 2009 at 12:09 PM
Very inspiring & touching quotes from chanakya !!
kushal_sharma@yahoo.com on Tue, Oct 6th, 2009 at 3:47 PM
Please add some more & diffrent quotes of chanakya. All websites have these quotes of chanakya.
sanjay5185@gmail.com on Tue, Nov 17th, 2009 at 7:22 PM
Chanakya is god for our success.
shivadathathri@gmail.com on Mon, Jan 11th, 2010 at9:06 AM
These quotes are beautiful & applicable as on today. Good collection.
amit_shakya999@yahoo.com on Thu, May 20th, 2010at 4:19 PM
These quotes are very useful and the true in practical life. I become very impressed by the great scholar Chanakya.
carom_jam@yahoo.co.in on Sat, Jun 26th, 2010 at 6:48 PM
Really authentic and meaningful. Thanks for these valuable quotes by chanakya.
saquib.amrelia786@gmail.com on Fri, Jul 23rd, 2010 at 12:22 AM
Let us apply these quotes in our day to day life, and be successful. All the best to those who have already started following chanakya's quotes.
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Speech by Chetan Bhagat at Symbiosis
10 Signs It's Time to Leave Your Job
Chanakya Quotes - Famous Quotes by Chanakya
Stones, Pebbles or Sand - What do you have in Jar of Your Life?
The Lagoon
The Touchstone
Management Stories & Management Lessons
Job Search Tips to speed up your Job Search
Tips for Interview and Job Search
Great Failures & Great Personalities
Stress Management
In Search of Diamonds
Tips for Taming Your Tongue
Tribute to a teacher
Balance Sheet of Life
Give confidence to your students
How to Leave Work at Work
Retirement Planning Tips
7 Destructive Habits of Incompetent People
Tips to get out of debt
Resume Writing Tips and Strategies
One day I decided to quit
Warren Buffett
How to prepare for meetings?
Check Your Own Performance
How the emperor chosen his successor?
Dealing With Failure
Practical Cases & Management Lessons
Sharpen Your AXE
Corporate and Social Life
Shortcuts to Success
Management Lessons
Move from one job to another, but only for the right reasons
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Sent from my Nokia phone

Friday, April 22, 2011

Fwd: IRR vs RM Method of Int Cal - very imp


Its very important to understand the type of workings in this file.

This is especially used for finance function for giving loans.

Also note when you copy something from excel to Gmail formnats are changed. But if you do it from excel to Word and then to gmail etc... it have the perfect format of the texts, colors numbers etc.. It may be because it will be when you paste from excel to word, it is pasted as a picture.

Rgds

Varun Jain
The Next Gen Enterpreneur.

Summary of IRR

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

This Shows Return per month as per IRR Method

 

 

Rate of Interest (pm)

No of Months

 

 

10

12

15

18

20

24

30

 

 

3.00

7.073%

7.637%

8.609%

9.852%

10.930%

14.276%

33.327%

 

 

2.50

5.604%

5.965%

6.546%

7.222%

7.755%

9.140%

12.992%

 

 

2.25

4.925%

5.208%

5.651%

6.146%

6.521%

7.440%

9.601%

 

 

2.00

4.277%

4.497%

4.830%

5.188%

5.450%

6.061%

7.337%

 

 

1.80

3.781%

3.958%

4.219%

4.492%

4.687%

5.125%

5.976%

 

 

1.50

3.070%

3.194%

3.370%

3.546%

3.667%

3.928%

4.391%

Normally

 

1.25

2.505%

2.593%

2.715%

2.833%

2.911%

3.075%

3.347%

 

 

1.20

2.394%

2.477%

2.590%

2.697%

2.769%

2.917%

3.160%

 

 

1.10

2.177%

2.248%

2.344%

2.434%

2.493%

2.613%

2.806%

 

 

1.00

1.963%

2.024%

2.104%

2.178%

2.226%

2.323%

2.475%

 

 

0.95

1.857%

1.913%

1.986%

2.053%

2.097%

2.183%

2.317%

 

 

0.90

1.753%

1.804%

1.870%

1.931%

1.969%

2.046%

2.164%

 

 

0.85

1.649%

1.695%

1.755%

1.810%

1.844%

1.912%

2.015%

 

 

0.80

1.545%

1.588%

1.642%

1.691%

1.721%

1.781%

1.871%

 

 

0.70

1.342%

1.376%

1.420%

1.458%

1.481%

1.527%

1.594%

 

 

0.60

1.141%

1.169%

1.203%

1.232%

1.250%

1.283%

1.331%

 

 

 

 

 

 

 

 

 

 

 

 

This Shows Return per annum as per IRR Method

 

 

Rate of Interest (pm)

No of Months

 

 

10

12

15

18

20

24

30

 

 

3.00

84.87%

91.64%

103.31%

118.22%

131.16%

171.31%

399.93%

 

 

2.50

67.25%

71.58%

78.55%

86.66%

93.06%

109.68%

155.90%

 

 

2.25

59.10%

62.50%

67.81%

73.75%

78.25%

89.27%

115.21%

 

 

2.00

51.33%

53.97%

57.96%

62.25%

65.40%

72.73%

88.05%

 

 

1.80

45.37%

47.50%

50.63%

53.90%

56.24%

61.50%

71.71%

 

 

1.50

36.83%

38.32%

40.43%

42.55%

44.00%

47.14%

52.69%

Normally

 

1.25

30.05%

31.12%

32.58%

33.99%

34.94%

36.90%

40.16%

 

 

1.20

28.73%

29.73%

31.08%

32.37%

33.23%

35.00%

37.93%

 

 

1.10

26.12%

26.98%

28.12%

29.20%

29.91%

31.35%

33.68%

 

 

1.00

23.56%

24.28%

25.25%

26.14%

26.71%

27.87%

29.70%

 

 

0.95

22.29%

22.96%

23.83%

24.64%

25.16%

26.19%

27.81%

 

 

0.90

21.03%

21.64%

22.44%

23.17%

23.63%

24.55%

25.97%

 

 

0.85

19.78%

20.34%

21.07%

21.72%

22.13%

22.94%

24.18%

 

 

0.80

18.55%

19.06%

19.71%

20.29%

20.65%

21.37%

22.45%

 

 

0.70

16.10%

16.52%

17.04%

17.49%

17.78%

18.32%

19.12%

 

 

0.60

13.69%

14.02%

14.43%

14.78%

15.00%

15.40%

15.98%

 



Summary of RM Method

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

This Shows Return per month as per RM Method

 

Rate of Interest (pm)

No of Months

 

10

12

15

18

20

24

30

 

3.00

10.714%

12.919%

17.647%

25.234%

33.333%

66.359%

450.000%

 

2.50

7.813%

9.091%

11.538%

15.000%

18.182%

28.235%

70.313%

 

2.25

6.618%

7.563%

9.310%

11.606%

13.636%

19.495%

38.571%

 

2.00

5.556%

6.234%

7.438%

8.970%

10.256%

13.675%

23.077%

 

1.80

4.762%

5.281%

6.188%

7.273%

8.145%

10.384%

15.851%

 

1.50

3.704%

4.045%

4.592%

5.228%

5.714%

6.870%

9.343%

 

1.25

2.924%

3.147%

3.497%

3.883%

4.167%

4.813%

6.073%

 

1.20

2.778%

2.980%

3.297%

3.645%

3.896%

4.471%

5.567%

 

1.10

2.494%

2.659%

2.918%

3.195%

3.395%

3.841%

4.668%

 

1.00

2.222%

2.354%

2.564%

2.784%

2.941%

3.281%

3.896%

 

0.95

2.088%

2.208%

2.396%

2.590%

2.726%

3.023%

3.549%

 

0.90

1.957%

2.066%

2.233%

2.403%

2.521%

2.780%

3.230%

 

0.85

1.828%

1.926%

2.074%

2.222%

2.326%

2.549%

2.930%

 

0.80

1.702%

1.791%

1.919%

2.049%

2.139%

2.329%

2.653%

 

0.70

1.458%

1.529%

1.625%

1.722%

1.788%

1.926%

2.152%

 

0.60

1.224%

1.278%

1.349%

1.419%

1.465%

1.561%

1.714%

 

 

 

 

 

 

 

 

 

 

This Shows Return per annum as per RM Method

 

Rate of Interest (pm)

No of Months

 

10

12

15

18

20

24

30

 

3.00

128.57%

155.02%

211.76%

302.80%

400.00%

796.31%

5400.00%

 

2.50

93.75%

109.09%

138.46%

180.00%

218.18%

338.82%

843.75%

 

2.25

79.41%

90.76%

111.72%

139.28%

163.64%

233.94%

462.86%

 

2.00

66.67%

74.81%

89.26%

107.64%

123.08%

164.10%

276.92%

 

1.80

57.14%

63.37%

74.26%

87.28%

97.74%

124.61%

190.22%

 

1.50

44.44%

48.54%

55.10%

62.74%

68.57%

82.44%

112.11%

 

1.25

35.09%

37.76%

41.96%

46.60%

50.00%

57.75%

72.87%

 

1.20

33.33%

35.76%

39.56%

43.73%

46.75%

53.66%

66.80%

 

1.10

29.93%

31.91%

35.01%

38.34%

40.74%

46.09%

56.01%

 

1.00

26.67%

28.25%

30.77%

33.40%

35.29%

39.37%

46.75%

 

0.95

25.05%

26.50%

28.75%

31.08%

32.71%

36.27%

42.59%

 

0.90

23.48%

24.79%

26.80%

28.84%

30.25%

33.35%

38.76%

 

0.85

21.94%

23.12%

24.88%

26.67%

27.91%

30.59%

35.17%

 

0.80

20.43%

21.49%

23.03%

24.58%

25.67%

27.95%

31.83%

 

0.70

17.50%

18.35%

19.49%

20.66%

21.46%

23.11%

25.82%

 

0.60

14.69%

15.33%

16.18%

17.03%

17.58%

18.73%

20.57%



Regards,