Not all months will be brisk for a business.
One may find lean periods in business as well as personal life.
I mean a period of moderate or low levels of activity.
Business heads will be planning some activity or other for the lean season..
Here are a few useful activities one can think of:
1. Launch Web site
2. Take up ISO certification
3. Take up a business promotion trip in India or overseas.
4. Upgrade computer / security systems.
5. Carry out repairs to building and machinery.
6. Organise in house staff training .
7. Hold a meet with suppliers
8. Paricipate in shows,Trade fair..
9. Try out new methods of manufacture.
10. Product testing/launch in a new market
11. Survey on customer satisfaction
12. Space clearing,Landscaping,Internal roads..
13. Scrap disposal.
14. Writing reminders to long over due customers and follow up.
15. Safety training like Fire fighting, First aid, Health Hazard management.
Start acting.Benefits will follow.
N.Subramani
www.nsubramani.com
Saturday, September 27, 2008
Wednesday, September 24, 2008
Job Loss - 12 Tips
Job cut, Down sizing, Employer closing down – all this affects us Financially,Physically and emotionally. Job Loss can happen not only because of external factors like sub prime leading to financial collapse of Giants in the Industry.
One may think, my job is safe and I have nothing to fear. You are lucky.
The question is what if?
One may be affected either directly or indirectly. In any case one should look at the hard realities and start acting.
Following points may help in coping:
- Talk to your Family members. Explain the situation and seek support.
- Make required adjustments in living style. Simplicity helps.
- Make a realistic assessment of your Finances. Make a Cash Flow statement for the next three to six months. Look for possible sources of Inflow of Funds and the committed out flow in the form of EMI, Housing Loan,Children fee etc.,
4. Take efforts to collect the monies others owe you.
5. Talk to creditors/lenders for a reschedule of loans.
6. Look for earning opportunity out of existing assets.
7. Re look at your net work of people. Revive contacts, seek help for gaining
employment. Ask for help, it works.
8. Ensure that you collect the amounts in the form of PF, Gratuity, Bonus,
Compensation if any from your current employer.
9. Migrate to different Industry.
10.Invest Time, Money and Energy in acquiring new job skills.
11. Keep your Health and other Insurance cover renewed.
12. Do not slacken. Be positive in your outlook, backed by solid action in the required direction.
N.Subramani
www.iching.in
Tuesday, September 23, 2008
Clinical Research
With the signing of TRIPS ( Trade related Intellectual Property Rights),
the Career opportunity in India
Clinical Research involves research in an organized way, conducted on human beings.
Clinical Research will provide information on:
Drug usage
Drug safety
Drug efficacy
Adverse effects (if any), etc.,
Under the new patent laws innovation is the key for Pharmaceutical Industry.
There will be shortage of Qualified and trained personnel.
An estimate shows demand for about 50,000 professionals in India
Trained Clinical research personnel are in demand abroad also.
By the way what are the possible openings?
Possible Career openings include:
- Research Associate
- Research Coordinator
- Investigator
- Bio Statistician
- Trials Auditor
- Research Manager
There are a few institutions in India
www.icriindia.com
With higher growth potential, Clinical Research may become a promising Career option.
Explore and benefit.
N.Subramani
Sunday, September 21, 2008
Answer to Blog - F A Q
Continuing my previous post on Blog definition, this post will answer some of the FAQs
Who can Blog?
Any one can blog. Preferably above 18 years of age.
How do I start?
All you need to blog is:
- Intention to blog
- A blog account.
- Time and content.
Who provides the Template, Soft ware and hosting?
Blogging Template, Software and hosting is provided by many.
Important ones include:
- Word press
- Blog.co.in
- Sulekha.com
- Ibibo
- Rediff.com
Links to blog sites:
Is there any cost?
Free.
What are the topics I can blog about?
One can blog on a topic of his/her own choice.
Topic can be any thing including:
- Politics
- Finance
- Business
- Health
- Science and Technology
- Tourism and Travel
- Photography
- Nature
- Education
- Religion
- Culture
- Art
- War
- Cinema
- History
- Geography
Any tips for Blogging success
Yes, of course. Here they are:
- Keep the reader in mind.
- Be simple. Use less jargons.
- Use short sentences and paragraphs.
- Avoid too much personal information
- Link freely
- Post often
- Give easy to remember titles.
Can i edit my posts?
Yes.
How many times can i post?
One can post several times. There is no restriction.
Do i need a separate Id?
One has to choose the blog id or URL.
For example mine is http://nsubramani.blogspot.com
Can I make some money also?
A good blogger is in demand. One gets paid for content.
College students can earn a part of their fee from blogging income.
Start your blog. Earn extra income.
N.Subramani
Saturday, September 20, 2008
Blog -What is?
Today,i sat to write a post on U 2 can Blog.
I started to write What is a blog?
I almost finished writing in the form of FAQ
so that a new blogger can get what he /she is looking for.
But then,before settling to write the definition(as i understood)
i thought for a moment to look at what others said on the topic.
In the process of my search i landed at a few interesting definitions
about Blog.
Here i am reproducing a few of them for the benefit of others.
``Blog is a site you are reading today.
Knowing it was written yesterday.
Expecting it to be written tomorrow.``
``Blogs enable the author to write lots of short,
informative articles. I can categorize the articles,
and they are all easily searchable.
This allows my readers and clients to later find the
information they need on my blog.``
I think it is a platform for me:
-To express myself
-To share the experience I have
-To share the knowledge I have
-To learn from other people
A blog (a contraction of the term “Web log”) is a Web site,
usually maintained by an individual, with regular
entries of commentary, descriptions of events,
or other material such as graphics or video.
Entries are commonly displayed in reverse-chronological order.
“Blog” can also be used as a verb, meaning to maintain or
add content to a blog.
It pretty well goes without saying that a blog is a website,
but the factors that make a blog different than other
websites are as follows:
1. A blog is updated on a regular basis,
with new content being added to previous content,
rather than replacing it.
2. Even professional blogs have a personal side to them,
often reflecting the individual(s) behind the business.
3. A blog allows for communication between the author and his
or her readers, rather than just providing information.
4. Even business blogs aren’t 100% about promoting the
company’s products and/or services.
Today, a blog is a platform for news, tutorials, travel tales, articles,
video, photos and more. Blogs have several categories similar
to what websites had several years ago.
You have technology blogs, travelouges, personal blogs, news blogs, videologs,
photoblogs etc.
Curious to read some more definitions,visit:
http://www.dailyblogtips.com/27-definitions-for-blog
More on blogs later.
N.Subramani
www.onlinemine.in
I started to write What is a blog?
I almost finished writing in the form of FAQ
so that a new blogger can get what he /she is looking for.
But then,before settling to write the definition(as i understood)
i thought for a moment to look at what others said on the topic.
In the process of my search i landed at a few interesting definitions
about Blog.
Here i am reproducing a few of them for the benefit of others.
``Blog is a site you are reading today.
Knowing it was written yesterday.
Expecting it to be written tomorrow.``
``Blogs enable the author to write lots of short,
informative articles. I can categorize the articles,
and they are all easily searchable.
This allows my readers and clients to later find the
information they need on my blog.``
I think it is a platform for me:
-To express myself
-To share the experience I have
-To share the knowledge I have
-To learn from other people
A blog (a contraction of the term “Web log”) is a Web site,
usually maintained by an individual, with regular
entries of commentary, descriptions of events,
or other material such as graphics or video.
Entries are commonly displayed in reverse-chronological order.
“Blog” can also be used as a verb, meaning to maintain or
add content to a blog.
It pretty well goes without saying that a blog is a website,
but the factors that make a blog different than other
websites are as follows:
1. A blog is updated on a regular basis,
with new content being added to previous content,
rather than replacing it.
2. Even professional blogs have a personal side to them,
often reflecting the individual(s) behind the business.
3. A blog allows for communication between the author and his
or her readers, rather than just providing information.
4. Even business blogs aren’t 100% about promoting the
company’s products and/or services.
Today, a blog is a platform for news, tutorials, travel tales, articles,
video, photos and more. Blogs have several categories similar
to what websites had several years ago.
You have technology blogs, travelouges, personal blogs, news blogs, videologs,
photoblogs etc.
Curious to read some more definitions,visit:
http://www.dailyblogtips.com/27-definitions-for-blog
More on blogs later.
N.Subramani
www.onlinemine.in
Inventory Listing
Organisations keep inventory of stocks and assets.
In the case of individuals we sometimes have list.
When you secure an insurance policy one has to declare the household
contents item wise.
It is preferable to have them photographed.
The inventory and photos should be kept in a place outside,
prferably in a Bank locker and also in a permanent email id.
Item wise listing should also indicate location..
for example - Hall,Kitchen,Bed room 1,2,Dining hall,Verandah,sit out etc.,
The date of purchase together with copy of bill should also be preserved for proof.
A sample list would look like this:
1 Sony 24 inch Colour TV.
2.Euro forbes Heavy duty Vaccum Cleaner.
3.TVS Whirl pool fully automatic washing machine.
4.300 Litres TVS 6th sense Fridge.
5.Philips DVD player.
6.HP presario Lap top.
7.HP office jet print,scn,copy,Fax.
8.Godrej Cupboard.
9.Godrej study table.
10.Wooden Book shelf.
11. Glass ware.
12.Crockery and cutlery.
13.Cooking vessels.
14.Couch,sofa.
15.Musical instruments- Piano,Guitar.
16.Books,VCd/DVD.
17.Silver ware.
18.Cycle.
19.Jewels -Diamond,Gold,Studded.
20.Geysers.
21.Bath tub.
While the spirit of making and updating the inventory may remain same,the length of list and description may vary between individuals.Check with your insurer for additional details required..
Follow the basis and keep updating
More to come.
N.Subramani
www.nsbizconsultant.in
In the case of individuals we sometimes have list.
When you secure an insurance policy one has to declare the household
contents item wise.
It is preferable to have them photographed.
The inventory and photos should be kept in a place outside,
prferably in a Bank locker and also in a permanent email id.
Item wise listing should also indicate location..
for example - Hall,Kitchen,Bed room 1,2,Dining hall,Verandah,sit out etc.,
The date of purchase together with copy of bill should also be preserved for proof.
A sample list would look like this:
1 Sony 24 inch Colour TV.
2.Euro forbes Heavy duty Vaccum Cleaner.
3.TVS Whirl pool fully automatic washing machine.
4.300 Litres TVS 6th sense Fridge.
5.Philips DVD player.
6.HP presario Lap top.
7.HP office jet print,scn,copy,Fax.
8.Godrej Cupboard.
9.Godrej study table.
10.Wooden Book shelf.
11. Glass ware.
12.Crockery and cutlery.
13.Cooking vessels.
14.Couch,sofa.
15.Musical instruments- Piano,Guitar.
16.Books,VCd/DVD.
17.Silver ware.
18.Cycle.
19.Jewels -Diamond,Gold,Studded.
20.Geysers.
21.Bath tub.
While the spirit of making and updating the inventory may remain same,the length of list and description may vary between individuals.Check with your insurer for additional details required..
Follow the basis and keep updating
More to come.
N.Subramani
www.nsbizconsultant.in
Friday, September 19, 2008
Success Tips
This evening i atteneded the Meeting organised by Madras Management Association at Deccan Plaza.
To day`s topic ``Success story`` in which the CEO of Bharatmatrimony.com Mr.Murugavel Janakiraman addrssed the members of MMA.
The presentation was interesting and inspiring.I am summarising the key points:
1. Realise the Entrepreneurial talent with in one self.
2. From your side put the best effort always
3. Take the out come of your actions in a positive sense.
4. Build a net work of people
5.Create new applications for your knowledge domain.
6. Address your problems innovatively.
7. Be open in communication with people.
8. Motivate employees.
9. Communicate changes
10.Enjoy your job.
11.Have strong intentions to perform and deliver.
12.Give free hand to employees.
You may find them useful in your line of activity.
Use and benefit.
Also visit http://www.bharatbloodbank.com for blood donation related details.
more to come
N.Subramani
www.smebizservices.com
To day`s topic ``Success story`` in which the CEO of Bharatmatrimony.com Mr.Murugavel Janakiraman addrssed the members of MMA.
The presentation was interesting and inspiring.I am summarising the key points:
1. Realise the Entrepreneurial talent with in one self.
2. From your side put the best effort always
3. Take the out come of your actions in a positive sense.
4. Build a net work of people
5.Create new applications for your knowledge domain.
6. Address your problems innovatively.
7. Be open in communication with people.
8. Motivate employees.
9. Communicate changes
10.Enjoy your job.
11.Have strong intentions to perform and deliver.
12.Give free hand to employees.
You may find them useful in your line of activity.
Use and benefit.
Also visit http://www.bharatbloodbank.com for blood donation related details.
more to come
N.Subramani
www.smebizservices.com
Mailing List
Whether in Business or in personal life.a mailing List is very useful tool that helps in quick communication.
You can use it to:
A Good mailing list or address book should contain :
Gone are the days of writing by hand.Some of the software enable printing of Address Labels,
sort by location or pin code and other features.Use and benefit.
Just in case you do not have a mailing list,start making one.
Keeping in touch may not be costly.But if you fail to, in the long run you may lose customers
to your competitors.
More to come.
N.Subramani
www.nsubramani.com
You can use it to:
- Inform customers about new product,
- Inform address of a new service centre,.
- send letters for payment due date reminder,
- Send Birth day and other Greetings,
A Good mailing list or address book should contain :
- Name
- Address
- Land Line no.
- Hand phone no.
- e mail Id
- Office Phone no.
- Date of Birth
- Key contact person
Gone are the days of writing by hand.Some of the software enable printing of Address Labels,
sort by location or pin code and other features.Use and benefit.
Just in case you do not have a mailing list,start making one.
Keeping in touch may not be costly.But if you fail to, in the long run you may lose customers
to your competitors.
More to come.
N.Subramani
www.nsubramani.com
Monday, September 15, 2008
Personal Records -2
Welcome to part 2 of Personal records.
Tax related:
1. Copy of Income Tax Return and acknowledgement
2. Copy of Wealth Tax return and acknowledgement
3. Assessment orders, Appeals if any.
4. Advance Tax challan
5. Tax Deduction Certificate like Form16,Form 16 A.
6. Donation receipts,Tax exempted investments/ payments,
Housing loan interest certificate.etc.,
.
Investment related:
Property is already covered in my post dated 15-09-08.
We now go to non property related records.
1. Insurance Policies,Share, Debenture \ Fixed Deposit Certificates in various companies,
RBI bonds,NSC, NSS certificates etc.,
2. Bank pass books, statements.
3. ECS\Mandate instuctions for pay out, transfer among inter accounts.
4. Nomination \ assignment details – Employee`s Provident Fund, PPF, Life
Insurance,Motor vehicle Insurance, Fixed Deposits, Shares, Bank accounts
5. Demat accounts – Pin, pass words.
6. Power of attorney for account operation.
7. Locker details, including nomination.
Pension related:
1.Approval papers,computation, etc.,
2.Bank details,nomination etc.,
Miscellaneous:
1. Deposit receipts -Electricity, Telephones,Metro water etc.,
2. Cheque book history and PDC details
3 Purchase Bills - important items like jewels
4. Credit and debit card PIN - ATM and phone bank banking.
5. Life membership certificates
6. Guarantee\Warranties
One may have some other records also. This post is meant as a general check list.
Use and benefit.
More to come.
N.Subramani
Sunday, September 14, 2008
Personal Records
No individual young or old, rich or otherwise can escape owning and keeping some personal record or the other.
Personal records are very important to an individual. These are required throughout life at some point of time or other.
What is personal would vary from individual to individual. But broadly they can be brought under one or more of the following classifications.
Common for all:
- Birth Certificate
- Marriage Certificate
- Marriage Invitation
- Driving License
- Voter`s Identity card
- Medical records.Please refer to my separate post on Medical records in
- http://nsubramani.blogspot.com
Study related:
- Mark sheets –School and college.
- Scholarship sanction letters.
- Merits and awards – won.
- Degree Certificate (s).
Property related:
- Title Deeds \
- Parent Document(s) including authentic translation
- Patta,Kist receipt.
- Encumberance Certificate.
- Partition\Gift Deeds.
- Plans,Approvals – from Corporation or other Municipal authority.
- Death Certificate.
- Will.
- Court Orders – like Probate \ Letter of Administration etc.
- Partition \ Settlement Deeds.
- Legal opinion.
Tips:
- If you have them and are available, it is Ok. Relax.
- Otherwise spend some time to locate and list them.
- Keep an extra copy in electronic form – preferably in a separate folder in your email account.
- Ensure that you personally attend to this.
- Avoid excuses like i am busy.I have no time for such small jobs.
Preserve records and benefit.
Await Part 2 of this post.
N.Subramani
Yellow Pages
In this post i will write about types of Yellow pages and how to get best value out of it.
Yellow Pages are very useful for any one whether a business or a customer
Broadly yellow pages fall under these category :
1. B2B - meaning Business to Business.
2. B2C – meaning Business to Customer.
One can also find region Specific \ Business specific yellow pages.
We also find country specific, Industry specific yellow pages in the market.
For example Chennai yellow pages,Singapore Yellow pages,etc.,
Why Yellow pages ?
Yellow pages are the easiest way to promote business on a budget.
With technology assisting business, Yellow pages are available on the net.
Are You Listed ?
Is your business listed in the yellow pages. If not,use the next opportunity and get your business listed on the yellow pages.
Here are a few tips.
1. Get your business listed under right category.
2. If you place an additional advertisement, refer to listing also and mention page no.
3. Publish bold entries.
4. Circulate free copies of yellow pages.
5. Mention in all your ads.
Go ahead and make the best use of Yellow Pages.
More to come
N.Subramani
Wednesday, September 10, 2008
Home Library
I read a quotation which goes like
``My never failing friends are they,
with whom i converse day by day``
You may wonder who is this friend? None other than books.
With advances in technology,distribution,storage and retrieval of books is available to every one.
Reading of books\ other materials can be generally classified into:
1.Reading out of necessity - school,college levels
2.Reading for pleasure.
3.Reading for information.
I would like to add a new a new classification, reading for maintaining good health.
More than any thing it is the need to maintain good health that prompts us to maintain a home library.
Ok. i am ready,what books \ info should we keep in home library?
Along with whatever you like to keep,following can be considered for addition and preservation in the Home Library,from health angle.
Some of the MUST keep books include :
1.Good medical dictionary.
2.Pictorial Anatomy and Physiology Chart
3.Merk`s Manual
4.Baby and Child care book-By Dr.Benjamin Spock.(if you have a child)
5.First Aid Manual.
.
6.List of Contacts for emergency handling,poisoning,insect bites,dog bites etc.,
7.Hand outs supplied with products for precaution and safety to be observed while handling.
More tips:
a)Keep the books in a place assessible easily.
b)if it is a CD\DVD write license or product access code on cd top\ wrapper.
c) spend some time reading.After all you will definitely benefit.
Enjoy reading.Be informed.Keep good health.
N.Subramani
www.smebizservices.com
``My never failing friends are they,
with whom i converse day by day``
You may wonder who is this friend? None other than books.
With advances in technology,distribution,storage and retrieval of books is available to every one.
Reading of books\ other materials can be generally classified into:
1.Reading out of necessity - school,college levels
2.Reading for pleasure.
3.Reading for information.
I would like to add a new a new classification, reading for maintaining good health.
More than any thing it is the need to maintain good health that prompts us to maintain a home library.
Ok. i am ready,what books \ info should we keep in home library?
Along with whatever you like to keep,following can be considered for addition and preservation in the Home Library,from health angle.
Some of the MUST keep books include :
1.Good medical dictionary.
2.Pictorial Anatomy and Physiology Chart
3.Merk`s Manual
4.Baby and Child care book-By Dr.Benjamin Spock.(if you have a child)
5.First Aid Manual.
.
6.List of Contacts for emergency handling,poisoning,insect bites,dog bites etc.,
7.Hand outs supplied with products for precaution and safety to be observed while handling.
More tips:
a)Keep the books in a place assessible easily.
b)if it is a CD\DVD write license or product access code on cd top\ wrapper.
c) spend some time reading.After all you will definitely benefit.
Enjoy reading.Be informed.Keep good health.
N.Subramani
www.smebizservices.com
Tuesday, September 9, 2008
Business Name
Today`s business world is highly competitive.
Naming a business is crucial for success.
Here are a few tips.A business name should be:
1.Brief
2.Easy to remember.
3.Represent the business.
4.Common to the products and services offered by the business.
5.Unique.
6.Globally appealing.
7.Speak about the Legal status.For example Private Ltd, Ltd., etc.,
www.goodlucknames.in
N.Subramani
Naming a business is crucial for success.
Here are a few tips.A business name should be:
1.Brief
2.Easy to remember.
3.Represent the business.
4.Common to the products and services offered by the business.
5.Unique.
6.Globally appealing.
7.Speak about the Legal status.For example Private Ltd, Ltd., etc.,
www.goodlucknames.in
N.Subramani
I Ching - FAQ
Here are a few Frequently asked questions about I Ching :
1.How old is I Ching?
1.How old is I Ching?
About 5000 years.
2.In which country did it originate?
I ching is from China.
3.Who consulted in the past?
I ching was consulted by several thousand
people before you and me.This includes men in
great position and lay people.
4.On what can i consult I Ching?
Choice of topic is yours.I ching is consulted on all
important issues of life.For example -taking a
business partner,entering a JV etc.,
5 .What type of answer will i ching give?
I ching will not give a yes or no answer.
6.What preparation is required?
No extra preparation is required.All you need is the
desire to consult.
7.How long will a session last?
varies with individuals.Generally about 20 minutes
to 30 minutes.
www.ichinginstitute.com
Monday, September 8, 2008
Medical Records
It is very important to preserve medical records for use at a later date.
Well kept records come handy at times when you need them.
Medical records include:
1.Patient ID given by the hospital.
This is required to retrieve the records at the Hospital
and also to keep track of various departments who provided medical
treatment and tests and when.
2.Prescriptions\Case sheets\Discharge summaries.
3.ECG,X Rays,CT Scan,Angiogram,Ultrasound scan,
Kidney Stone Analysis,Blood,Urine,stool,
Biopsy report, Blood grouping,Allergy test,Thread mill test and others.
Take a xerox of ECG (if the original is on a Thermal paper).Do not fold X
rays.Most other reports are available in Electronic format.
Keep records in digital format.Check with hospital about the software
in which the report can be read.
4.Insurance Policy \Cash less treatment Card issued by the Insurance coy.
5.List of hospitals where you can avail treatment and their
phone numbers,address and location map
name and phone no of Insurance co ordinator located at the hospital.
6.Open a seperate file and keep the papers in date order.Also keep
the files in your active e mail id so that you can locate it from any
where in the world.
7.Most importantly check with the hospital about their records
preservation policy.
Ask them as to for how many years they preserve patient records and
in what form - physical \digital.
A word of Caution:
In whatever form the medical record is kept,ensure safety and privacy.
Find information about on line preservation of Medical records.
http://www.ihealthrecord.org/
This is free service from google.
In India also some companies offer this service.
More to come.
N.Subramani
www.healthtips4all.com
Well kept records come handy at times when you need them.
Medical records include:
1.Patient ID given by the hospital.
This is required to retrieve the records at the Hospital
and also to keep track of various departments who provided medical
treatment and tests and when.
2.Prescriptions\Case sheets\Discharge summaries.
3.ECG,X Rays,CT Scan,Angiogram,Ultrasound scan,
Kidney Stone Analysis,Blood,Urine,stool,
Biopsy report, Blood grouping,Allergy test,Thread mill test and others.
Take a xerox of ECG (if the original is on a Thermal paper).Do not fold X
rays.Most other reports are available in Electronic format.
Keep records in digital format.Check with hospital about the software
in which the report can be read.
4.Insurance Policy \Cash less treatment Card issued by the Insurance coy.
5.List of hospitals where you can avail treatment and their
phone numbers,address and location map
name and phone no of Insurance co ordinator located at the hospital.
6.Open a seperate file and keep the papers in date order.Also keep
the files in your active e mail id so that you can locate it from any
where in the world.
7.Most importantly check with the hospital about their records
preservation policy.
Ask them as to for how many years they preserve patient records and
in what form - physical \digital.
A word of Caution:
In whatever form the medical record is kept,ensure safety and privacy.
Find information about on line preservation of Medical records.
http://www.ihealthrecord.org/
This is free service from google.
In India also some companies offer this service.
More to come.
N.Subramani
www.healthtips4all.com
Medical Records
It is very important to preserve medical records for use at a later date.
Well kept records come handy at times when you need them.Medical records include:
1.Patient ID given by the hospital.This is required to retrieve the records at the Hospital and
also to keep track of various departments who provided medical treatment
and tests and when.
2.Prescriptions\Case sheets\Discharge summaries.
3.ECG,X Rays,CT Scan,Angiogram,Ultrasound scan,Stone Analysis,Blood,Urine,stool,Biopsy
report, Blood grouping,Allergy test,Thread mill test and others.
Take a xerox of ECG (if the original is on a Thermal paper).Do not fold X rays.Most other
reports are available in Electronic format.
Keep records in digital format.Check with hospital about the software in which the report can
be read.
4.Insurance Policy \Cash less treatment Card issued by the Insurance coy.
5.List of hospitals where you can avail treatment and their phone numbers,address and location
map,Insurance co ordinator located at the hospital.
6.Open a seperate file and keep the papers in date order.Also keep the files in your active
e mail id so that you can locate it from any where in the world.
7.Most importantly check with the hospital about their records preservation policy.
Ask them as to for how many years they preserve patient records and in what form -
physical \digital.
A word of Caution:
In whatever form the medical record is kept,ensure safety and privacy
Find information about on line preservation of Medical records.
http://www.ihealthrecord.org/
This is free service from google.
In India also some companies offer this service.
More to come.
N.Subramani
www.nsubramani.in
Well kept records come handy at times when you need them.Medical records include:
1.Patient ID given by the hospital.This is required to retrieve the records at the Hospital and
also to keep track of various departments who provided medical treatment
and tests and when.
2.Prescriptions\Case sheets\Discharge summaries.
3.ECG,X Rays,CT Scan,Angiogram,Ultrasound scan,Stone Analysis,Blood,Urine,stool,Biopsy
report, Blood grouping,Allergy test,Thread mill test and others.
Take a xerox of ECG (if the original is on a Thermal paper).Do not fold X rays.Most other
reports are available in Electronic format.
Keep records in digital format.Check with hospital about the software in which the report can
be read.
4.Insurance Policy \Cash less treatment Card issued by the Insurance coy.
5.List of hospitals where you can avail treatment and their phone numbers,address and location
map,Insurance co ordinator located at the hospital.
6.Open a seperate file and keep the papers in date order.Also keep the files in your active
e mail id so that you can locate it from any where in the world.
7.Most importantly check with the hospital about their records preservation policy.
Ask them as to for how many years they preserve patient records and in what form -
physical \digital.
A word of Caution:
In whatever form the medical record is kept,ensure safety and privacy
Find information about on line preservation of Medical records.
http://www.ihealthrecord.org/
This is free service from google.
In India also some companies offer this service.
More to come.
N.Subramani
www.nsubramani.in
Saturday, September 6, 2008
Financial health
Are you unable to handle bill payments?
Are you averse to making a budget and spending?
Do you make impulsive purchase?
Do you spend more time answering calls from Loan\Credit card Companies?
If you have answered yes to one or more of the above questions, it is an indication
that you need to take a look at your financial health.
Like Physical health, financial health also needs attention.
Take time and make an assessment of your financial health.
How is it as at this movement? Check it now.
Is it OK?. You are lucky. Take a Deep breath and relax.
Is it bad.Become aware of something that you have to handle.
Is it unmanageable? Better spend time right now. Find out exactly where everything stands.
Make a realistic assessment of :
1. Who are the Lenders?
2. How much have you borrowed?
3. When is the due date?
4. Interest rate?
5. Holiday period if any?
6. What is the security for the Loan?
7. What is the balance due as on date?
Some tips on handling Debt you owe:
1.Ascertain the monthly out flows.
2.Find out sources from where they can be met.
3.Arrange collection of monies due to you.
4.Realise other available assets
5.Raise loans at lower rate interest and pay off high cost borrowing.
6.Talk to your lenders and reschedule the payment period.
Some quotes about Money
1. Never ignore your debts.
2. Any saving is worthwhile.
3. Debit card=own money
Credit card= borrowing
More to come.
N.Subramani.
www.consultns.com
Are you averse to making a budget and spending?
Do you make impulsive purchase?
Do you spend more time answering calls from Loan\Credit card Companies?
If you have answered yes to one or more of the above questions, it is an indication
that you need to take a look at your financial health.
Like Physical health, financial health also needs attention.
Take time and make an assessment of your financial health.
How is it as at this movement? Check it now.
Is it OK?. You are lucky. Take a Deep breath and relax.
Is it bad.Become aware of something that you have to handle.
Is it unmanageable? Better spend time right now. Find out exactly where everything stands.
Make a realistic assessment of :
1. Who are the Lenders?
2. How much have you borrowed?
3. When is the due date?
4. Interest rate?
5. Holiday period if any?
6. What is the security for the Loan?
7. What is the balance due as on date?
Some tips on handling Debt you owe:
1.Ascertain the monthly out flows.
2.Find out sources from where they can be met.
3.Arrange collection of monies due to you.
4.Realise other available assets
5.Raise loans at lower rate interest and pay off high cost borrowing.
6.Talk to your lenders and reschedule the payment period.
Some quotes about Money
1. Never ignore your debts.
2. Any saving is worthwhile.
3. Debit card=own money
Credit card= borrowing
More to come.
N.Subramani.
www.consultns.com
Take time
When i set out to write I remember reading a poetry when i was young.
``What is this world full of cares,there is no time to stand and stare......``
We hardly have time for anything and we hurry up everything.
Take time
More to come.
N.Subramani
``What is this world full of cares,there is no time to stand and stare......``
We hardly have time for anything and we hurry up everything.
Certain activities demand our time and we have to devote \ spend the required amount of time in order to get the best out of the activity and enjoy life.
Take time
- To walk slowly.(of course not on a busy road )
- To read a book.
- To listen.
- To Relax.
- To learn a new skill..
- To learn a new language.
- To learn cooking.
- To spend with your family.
- To Budget your finance.
- To exercise your body.
- To think.
- To read your Credit card statement, Bank statement, Bills etc.,
- To look at the sky at night.
Friday, September 5, 2008
Higher study
Current employment scenaraio demands good qualification, from a reputed institution.
Study options available are many.
Established and reputed institutions offering industry \ service oriented courses are available in India
For study abroad lot of factors have to be considered. Most important ones include
a. What to study ?
b. Where to study?
c. What level to study ? Whether to do a basic degree in India
d. Relative cost and other advantages offered by the courses, place of study etc.,
e.What are the entry barriers, test requirements ?
f. Future prospects?
Here are a few tips that can help you prepare:
- Plan ahead. Start your search at least one year ahead of time.
- Talk \ write to universities by e mail.
- Talk to a good education consultant, friends, senior from the college.
and collect all possible details.
- Ascertain the cost of fee, living expenses, part time job opportunities
While you are studying etc.,
- Find about the financial papers required. Some institutions ask for
documentary evidence even while making preliminary application.
6. Check for scholarships available in India\Abroad.
- Tie up funds availability to match with your requirements in value and
timing.
Find more useful details in www.fundurstudy.com
N.Subramani.
Thursday, September 4, 2008
Learn a Language
Present scenario in education,business is very competitive.
More demand is placed on knowledge and skill levels.Opening up of the global economy has given way
for flow of trade between countries.All this adds up to people learning about country \ region specific information.Language is no exception.
We find increasing interest in learning language like Chinese,Japanese,etc.,
Indian Businesses are opening up their own facilities in china.
What an additional language can do for you?
1.Enhance employability.
2.Increase people skills.
3.Greater mobility within and across countries.
Learning a foreign language is not an easy affair.
Here are a few tips:
1.Plan and start early.
2.Be willing to invest time,effort,money.
3.Select a language that meets your Career goal \ study goal.
For example to pursue higher studies in Germany one should know German.
4.Learn a reputed Institution.
5.Appear for Test \ Exams and secure good ranking.
6.If you have studied long back,update.
You will definitely reap the benefits.
More to come.
N.Subramani
www.fundurstudy.com
www.consultns.com
More demand is placed on knowledge and skill levels.Opening up of the global economy has given way
for flow of trade between countries.All this adds up to people learning about country \ region specific information.Language is no exception.
We find increasing interest in learning language like Chinese,Japanese,etc.,
Indian Businesses are opening up their own facilities in china.
What an additional language can do for you?
1.Enhance employability.
2.Increase people skills.
3.Greater mobility within and across countries.
Learning a foreign language is not an easy affair.
Here are a few tips:
1.Plan and start early.
2.Be willing to invest time,effort,money.
3.Select a language that meets your Career goal \ study goal.
For example to pursue higher studies in Germany one should know German.
4.Learn a reputed Institution.
5.Appear for Test \ Exams and secure good ranking.
6.If you have studied long back,update.
You will definitely reap the benefits.
More to come.
N.Subramani
www.fundurstudy.com
www.consultns.com
Interview - Questions.
Probable questions an Interviewer may ask you.
1. Tell me something about you?
2. What do you know about our company?
3. Why do you want to join our company?
4. Do you think you are the suitable candidate?
5. Give us some reasons as to why?
6. When can you join?
7. Can you join duty immediately?
8. What is the shortest time you need to join duty?
9. Are you willing to locate any where in India
10. What is the pay you expect? What is the CTC?
11. What are your strength and weaknesses?
12. Can you work as a Team?
13. Can you lead a Team?
14. Can you work under pressure?
15.What are your major achievements?
Get ready with answers in a positive tone.
All the best.
more to come.
N.Subramani
Tips
In a job recruitment,first point of contact is established through your resume
Therefore Resume Writing should be done with utmost care.
Whatever be the position to which you apply your resume should meet certain requirements.
Here are a few tips.
1. Resume writing is an art.Take time to write a good resume.
2. Your resume speaks evereything you have to say to your prospective employer.
3. It should cover all essentials and leave nothing for guess.
4. Resume should be factual and verifiable.
5. Keep the no of pages as required but not too lengthy.
6. Keep the reader in mind and use simple language.
7. Keep jargons at a minimum level.
8. Keep the annexures uptodate and relevant.
9. Ensure you have provided everything the Employer called for.
10. Submit a video resume if allowed.
All the best.
More to come.
http://www.getmyjob.in
http://www.consultns.com
N.Subramani.
Therefore Resume Writing should be done with utmost care.
Whatever be the position to which you apply your resume should meet certain requirements.
Here are a few tips.
1. Resume writing is an art.Take time to write a good resume.
2. Your resume speaks evereything you have to say to your prospective employer.
3. It should cover all essentials and leave nothing for guess.
4. Resume should be factual and verifiable.
5. Keep the no of pages as required but not too lengthy.
6. Keep the reader in mind and use simple language.
7. Keep jargons at a minimum level.
8. Keep the annexures uptodate and relevant.
9. Ensure you have provided everything the Employer called for.
10. Submit a video resume if allowed.
All the best.
More to come.
http://www.getmyjob.in
http://www.consultns.com
N.Subramani.
Interview - Tips
A job interview is an opportunity to sell yourself.
Go all out to be your best and create the desired impact in the mind(s)of the interviewer.Put the best effort and get maximum results.
Here are a few Tips:
1.Be on time.
2.Dress appropriately.
3.Comb your hair,trim your beard and moustache,Cut nails.
4.Wear a shoe and tie.
5.Carry an extra copy of your CV.
6.Avoid chewing Pan,Zarda,Gum etc.,
7.Listen actively and talk when required.
8.Be assertive in your communication and not aggressive.
9.Avoid cell phone talks,gossip in the waiting hall.
10.Maintain correct posture.
11.Thank the interviewer for the time.
more to come.
N.Subramani
www.nsubramani.com
Go all out to be your best and create the desired impact in the mind(s)of the interviewer.Put the best effort and get maximum results.
Here are a few Tips:
1.Be on time.
2.Dress appropriately.
3.Comb your hair,trim your beard and moustache,Cut nails.
4.Wear a shoe and tie.
5.Carry an extra copy of your CV.
6.Avoid chewing Pan,Zarda,Gum etc.,
7.Listen actively and talk when required.
8.Be assertive in your communication and not aggressive.
9.Avoid cell phone talks,gossip in the waiting hall.
10.Maintain correct posture.
11.Thank the interviewer for the time.
more to come.
N.Subramani
www.nsubramani.com
Domain name-Tips
Shakeshpere said
`` What is in a name? A rose would smell by another name.``
It is ok for literature\poetry.
When it comes to business,the name does really matter.
More particularly when it means business in the internet world.
By the way what is a domain name?
Domain name means the name you have chosen for the internet Identity.It is not
your email Id.
For example my domain name is www.consultns.com.
You can have a name of your choice.
Attractive domain names help you build successful business websites.
Domain names are available in most popular extensions, including .in, .com, .net., .org, .biz, .info, .mobi..Me, .Asia etc.,
In reality you will be coining your own domain name.
Here are a few tips:
1.Choose a Domain name that is easy to remember.
2.Domain name should speak about business.
3.Domain name should be brief and not too long.
4.Domain name should be unique. It is like your signature.
5.Domain name should speak about you and your product or services.
when you sit down to check the availability of a name you like,chances are that name is already taken and not available.In such situations you have to be innovative in naming.
If you are seriously looking for some names for ready use,you may find a few interesting ones in www.topindomains.in
Go ahead and start your business web site.
more to come
N.Subramani
www.goodlucknames.in
www.topindomains.in
`` What is in a name? A rose would smell by another name.``
It is ok for literature\poetry.
When it comes to business,the name does really matter.
More particularly when it means business in the internet world.
By the way what is a domain name?
Domain name means the name you have chosen for the internet Identity.It is not
your email Id.
For example my domain name is www.consultns.com.
You can have a name of your choice.
Attractive domain names help you build successful business websites.
Domain names are available in most popular extensions, including .in, .com, .net., .org, .biz, .info, .mobi..Me, .Asia etc.,
In reality you will be coining your own domain name.
Here are a few tips:
1.Choose a Domain name that is easy to remember.
2.Domain name should speak about business.
3.Domain name should be brief and not too long.
4.Domain name should be unique. It is like your signature.
5.Domain name should speak about you and your product or services.
when you sit down to check the availability of a name you like,chances are that name is already taken and not available.In such situations you have to be innovative in naming.
If you are seriously looking for some names for ready use,you may find a few interesting ones in www.topindomains.in
Go ahead and start your business web site.
more to come
N.Subramani
www.goodlucknames.in
www.topindomains.in
Wednesday, September 3, 2008
Project Report - Bank loan
Are you thinking of starting a business?.
Are you thinking of expanding your business into a medium or large scale?
Are you readying for a Joint Venture in India or abroad?
Are you planning to tap export market?
Congrats!.You are on the Right track
First question that can come up in your mind is, i know I want to start a business and be independent financially but I do not know how or where to begin.
Once you are mentally prepared half your answer is ready. All you have to do is just take the first step.
Ok I am ready and willing to take the first step. What is it that I have to do.
Try and prepare the single most important document called Project report.
I understand but I do not have the required time or expertise with me..
SO, IT IS TIME TO TALK TO THE SPECIALIST.
Get your Project Report ready.
Avail a Bank Loan.
Useful information about Project Report is provided in the following FAQ.
Frequently Asked Questions
What is a Project Report?
A project Report is the most important document in the life of a company.It contains all the essential information about the Business right from the legal status to Exit procedure.
For whom is it intended?
Project Reports are meant to be submitted to Banks/Institutions,JV partners,Investors.
Who Prepares it?
Generally the Entrepreneur.In some cases, owners may be technologists having no financial background.
In such cases an outside agency.It all depends
on the size,time available with the enterepreneur,etc.,
What is the size?
Size of a Project Report varies according to the industry and scale of business and also on the reader.
For example for an infrastructure projact it would
be bulky whereas for a Bakery it would be thin.
Language:
Language is country and reader specific.Globally it is preferred to have them in English.
Jargons:
Always keep the reader in mind and avoid excessive use of Jargons.But cover the essentials technically.
Number of years of Finaincial workings:
Financial workings are provided for 3 to 5 years.In some cases until the given loan is repaid.
All the money is my own and i will not be raising a Loan,then why i should have a Project Report?
For securing a license under the law,one has to submit project report as a necessary enclosure.Moreover,Project Reports act as a guide or a reference point to check the levels of efficiency and also help in Profit planning etc.,
What are the sources of Information?
Sources of Project information are many.
They include:
Trade Journals.
Chamber Publications.
Research papers.
Manufacturer`s Catalogue/Brochure.
Import/Export data.
Survey
Personal experience of Entrepreneur.
Go ahead.Turn your dreams into reality.
Note:
If you are an individual you may be required to submit various Project report\details for Education Loan,Personal Loans,etc.,
more to come.
N.Subramani.
nsubramani@ymail.com
www.consultns.com
Are you thinking of expanding your business into a medium or large scale?
Are you readying for a Joint Venture in India or abroad?
Are you planning to tap export market?
Congrats!.You are on the Right track
First question that can come up in your mind is, i know I want to start a business and be independent financially but I do not know how or where to begin.
Once you are mentally prepared half your answer is ready. All you have to do is just take the first step.
Ok I am ready and willing to take the first step. What is it that I have to do.
Try and prepare the single most important document called Project report.
I understand but I do not have the required time or expertise with me..
SO, IT IS TIME TO TALK TO THE SPECIALIST.
Get your Project Report ready.
Avail a Bank Loan.
Useful information about Project Report is provided in the following FAQ.
Frequently Asked Questions
What is a Project Report?
A project Report is the most important document in the life of a company.It contains all the essential information about the Business right from the legal status to Exit procedure.
For whom is it intended?
Project Reports are meant to be submitted to Banks/Institutions,JV partners,Investors.
Who Prepares it?
Generally the Entrepreneur.In some cases, owners may be technologists having no financial background.
In such cases an outside agency.It all depends
on the size,time available with the enterepreneur,etc.,
What is the size?
Size of a Project Report varies according to the industry and scale of business and also on the reader.
For example for an infrastructure projact it would
be bulky whereas for a Bakery it would be thin.
Language:
Language is country and reader specific.Globally it is preferred to have them in English.
Jargons:
Always keep the reader in mind and avoid excessive use of Jargons.But cover the essentials technically.
Number of years of Finaincial workings:
Financial workings are provided for 3 to 5 years.In some cases until the given loan is repaid.
All the money is my own and i will not be raising a Loan,then why i should have a Project Report?
For securing a license under the law,one has to submit project report as a necessary enclosure.Moreover,Project Reports act as a guide or a reference point to check the levels of efficiency and also help in Profit planning etc.,
What are the sources of Information?
Sources of Project information are many.
They include:
Trade Journals.
Chamber Publications.
Research papers.
Manufacturer`s Catalogue/Brochure.
Import/Export data.
Survey
Personal experience of Entrepreneur.
Go ahead.Turn your dreams into reality.
Note:
If you are an individual you may be required to submit various Project report\details for Education Loan,Personal Loans,etc.,
more to come.
N.Subramani.
nsubramani@ymail.com
www.consultns.com
Bank Loan
In this post i will be touching upon the need and areas of Bank Loans.
Are you starting a new Business?
Are you planning to expand your Manufacturing activity?
Are you planning to tap the export market?
whatever it be, look to the Banker for Financing your project.
Raise a Term Loan of Short, Medium or Long Term.
Go for Export finance.
Avail Bank Guarantee facility, so that you can participate in bigger tenders.
Act Today. Achieve your dreams.
Here are a few Tips:
1. Start a Banking relationship today.
2. Route all transactions through a single Bank account, so that the bank knows the
full size, volume and seasonal ups and down of your business operations.
3. Update your banker about the milestones achieved, periodically. For example it may be
an initial order from a new country/new product line.
4. Have a Business plan and review your growth and need for funding requirement.
Have questions?
mail to nsubramani@ymail.com.
N.Subramani
www.consultns.com
Are you starting a new Business?
Are you planning to expand your Manufacturing activity?
Are you planning to tap the export market?
whatever it be, look to the Banker for Financing your project.
Raise a Term Loan of Short, Medium or Long Term.
Go for Export finance.
Avail Bank Guarantee facility, so that you can participate in bigger tenders.
Act Today. Achieve your dreams.
Here are a few Tips:
1. Start a Banking relationship today.
2. Route all transactions through a single Bank account, so that the bank knows the
full size, volume and seasonal ups and down of your business operations.
3. Update your banker about the milestones achieved, periodically. For example it may be
an initial order from a new country/new product line.
4. Have a Business plan and review your growth and need for funding requirement.
Have questions?
mail to nsubramani@ymail.com.
N.Subramani
www.consultns.com
List of Banks
Funding the study of their children is a major issue faced by parents today.
In this post i have listed the names of bank that offer Education Loan.
Next to own source of funding,Education Loans are the second best option.
Banks in india - Nationalised, Commercial and Foreign Banks offer Loans for pursuing higher studies in India and Overseas.
Lending norms for Education Loans have been laid down Reserve Bank of India.
List of banks offering Education loan is given below:
1. Bank of Baroda.
2. Oriental Bank of Commerce.
3. State Bank of India
4. State Bank of Travancore.
5. State Bank of Bikaneer and Jaipur.
6. State Bank of Mysore.
7. State Bank of Saurashtra.
8. State Bank of Hyderabad.
9. State Bank of Indore.
10.Punjab National Bank
11.Bank of Maharashtra.
12.UCO Bank.
13.IDBI Bank.
14.Syndicate Bank.
15.Indian Bank
16.Bank of India
17.Dena Bank
18.United Bank of India.
19.Karur Vysya Bank
20.HDFC Bank
21.HSBC Bank
22.Axis Bank.
more details are available in web site www.fundurstudy..com
more to come.
N.Subramani
www.fundurstudy.com
In this post i have listed the names of bank that offer Education Loan.
Next to own source of funding,Education Loans are the second best option.
Banks in india - Nationalised, Commercial and Foreign Banks offer Loans for pursuing higher studies in India and Overseas.
Lending norms for Education Loans have been laid down Reserve Bank of India.
List of banks offering Education loan is given below:
1. Bank of Baroda.
2. Oriental Bank of Commerce.
3. State Bank of India
4. State Bank of Travancore.
5. State Bank of Bikaneer and Jaipur.
6. State Bank of Mysore.
7. State Bank of Saurashtra.
8. State Bank of Hyderabad.
9. State Bank of Indore.
10.Punjab National Bank
11.Bank of Maharashtra.
12.UCO Bank.
13.IDBI Bank.
14.Syndicate Bank.
15.Indian Bank
16.Bank of India
17.Dena Bank
18.United Bank of India.
19.Karur Vysya Bank
20.HDFC Bank
21.HSBC Bank
22.Axis Bank.
more details are available in web site www.fundurstudy..com
more to come.
N.Subramani
www.fundurstudy.com
Diabetic Foot Care
Foot care is very important for a diabetic patient.
Diabetic patients face foot complications and reducing this is a struggle for many. Symptoms can vary but the first sign is an increased temperature in the foot itself.
An elevated HbA1C is a definite predictor of complications on the way. The higher your A1C the greater the risk. Daily tests only indicate the glucose levels in your blood and strategy to correct it can be worked out. In case of Foot lesions or ulcers , one gets infected easily and will need antibiotic therapy.
Foot Care Tips :
Check your feet daily for any signs of redness, trauma, skin colour change, cracking. Keep your Doctor informed.
Cut your nails on a weekly basis, smooth the rough edges.
Apply good cream or petroleum jelly made for diabetic foot care.
When calluses, corns or toe nails become a problem, always consult your doctor or a podiatrist.
Wear shoes or protective slippers.
Wear shoes that fit right. Avoid high heals or pointy tipped shoes.
Staying in shape is an important factor when you have diabetes. With body in good shape,you will have an overall easier time managing your blood glucose levels.Excessive body weight is hard on your heart, back and every other part of your body, Bring body weight under control.Eat a nutritious food.
All of these tips are important ways of dealing with diabetic foot.
Take proper medical care in time.
Find more useful information at :
American Diabetic association:
http://www.diabetes.org
N.Subramani
www.nsubramani.com
www.smebizplans.com
Diabetic patients face foot complications and reducing this is a struggle for many. Symptoms can vary but the first sign is an increased temperature in the foot itself.
An elevated HbA1C is a definite predictor of complications on the way. The higher your A1C the greater the risk. Daily tests only indicate the glucose levels in your blood and strategy to correct it can be worked out. In case of Foot lesions or ulcers , one gets infected easily and will need antibiotic therapy.
Foot Care Tips :
Check your feet daily for any signs of redness, trauma, skin colour change, cracking. Keep your Doctor informed.
Cut your nails on a weekly basis, smooth the rough edges.
Apply good cream or petroleum jelly made for diabetic foot care.
When calluses, corns or toe nails become a problem, always consult your doctor or a podiatrist.
Wear shoes or protective slippers.
Wear shoes that fit right. Avoid high heals or pointy tipped shoes.
Staying in shape is an important factor when you have diabetes. With body in good shape,you will have an overall easier time managing your blood glucose levels.Excessive body weight is hard on your heart, back and every other part of your body, Bring body weight under control.Eat a nutritious food.
All of these tips are important ways of dealing with diabetic foot.
Take proper medical care in time.
Find more useful information at :
American Diabetic association:
http://www.diabetes.org
N.Subramani
www.nsubramani.com
www.smebizplans.com
Constipation
Do you spend more time in the toilet? If yes it is time to check for possible problem with your
digestion and elimination system.
Evacuation of waste is very critical to maintain health.Constipation is attributable to one more
of the following factors,Viz.,
a)Lack of Fibre and water content in the food.Unbalanced diet.
b)Erratic and irregular Life style
c)stress
d)Lack of excercise.
e)Effect of other drugs.
f)Piles,fitsula.
Constipation has to dealt with otherwise it will lead to higher load on the
other organs in eliminating the toxins and waste.Individual feels energy drained
and highly uncomfortable on the whole.
Take charge of your health and act now for easy bowel movement.
N.Subramani
nsubramani@ymail.com
www.consultns.com
www.fundurstudy.com
www.healthtips4all.com
digestion and elimination system.
Evacuation of waste is very critical to maintain health.Constipation is attributable to one more
of the following factors,Viz.,
a)Lack of Fibre and water content in the food.Unbalanced diet.
b)Erratic and irregular Life style
c)stress
d)Lack of excercise.
e)Effect of other drugs.
f)Piles,fitsula.
Constipation has to dealt with otherwise it will lead to higher load on the
other organs in eliminating the toxins and waste.Individual feels energy drained
and highly uncomfortable on the whole.
Take charge of your health and act now for easy bowel movement.
N.Subramani
nsubramani@ymail.com
www.consultns.com
www.fundurstudy.com
www.healthtips4all.com
Healing
From time immemorial mankind has been using different techniques in treating sickness and restoring health in their Body, Mind and Spirit
Across the globe different techniques are prevalent side by side along with the Modern day Medical advancement.
The techniques/approach of different energy healing method is varied but the core is energy imbalance and restoration of health in body, mind and spirit which is addressed by all systems.
While using the best of scientific advancements, mankind also looks to other systems for additional support in their healing acceleration/ felt comfort at different levels of mind body connection.
Though all systems are effective and unique in their own way I am listing a few:
1.Mudras
2.Jin shin Jyutsu
3.Reiki
4.Pranic Healing
more to come.
Have questions? Please mail me at:
nsubramani@ymail.com
N.Subramani
Across the globe different techniques are prevalent side by side along with the Modern day Medical advancement.
The techniques/approach of different energy healing method is varied but the core is energy imbalance and restoration of health in body, mind and spirit which is addressed by all systems.
While using the best of scientific advancements, mankind also looks to other systems for additional support in their healing acceleration/ felt comfort at different levels of mind body connection.
Though all systems are effective and unique in their own way I am listing a few:
1.Mudras
2.Jin shin Jyutsu
3.Reiki
4.Pranic Healing
more to come.
Have questions? Please mail me at:
nsubramani@ymail.com
N.Subramani
Eating - Tips
Annam Praana Mayam – says the Upanishad.
It means food is life.
There is no species on earth that can completely stay away from eating.
Some of the easy to follow tips on eating are:
1. Eat only when you are hungry
2. Fast or Feast in moderation.
3. Keep away all other pre occupations like watching TV,Attending Cell
phones,reading book\paper.
4.Do not east, just because food or snacks is available around you.
5. Eat native food. When you are in Japan, have a taste of sushi and Osake which
are unique to Japan. Similarly if in South India eat Curd rice with Vathal
Kuzambu.
6. Eat according your present health condition. What you eat should match with your
requirements. For example a person with high sugar level should stay away from
fat,oils and food that have high Glycemic Index.
7. Do not over eat or under eat.
8. Instead of having a few heavy meals, break intake into smaller portion and
increase the number of times intake.
9. Eat foods that are rich in fiber,minerals,protein and water content.
10. Eat seasonal fruits.
Avoid as far as possible the following:
1. Eating full stomach at night.
2. Old, stale foods.
3.Irregular and untimely eating.
4.Eating as a ritual or a time bound obligation.
Always :
Eat for energy.
Eat for nutrition.
Eat for health.
Eat right quantity and nutritional quality.
Enjoy the taste of food you eat.
Express gratitude for what is made available to you.
Eat Right.Stay healthy.
More to come.
N.Subramani
nsubramani@ymail.com
www.fundurstudy.com
www.healthtips4all.com
www.consultns.com
It means food is life.
There is no species on earth that can completely stay away from eating.
Some of the easy to follow tips on eating are:
1. Eat only when you are hungry
2. Fast or Feast in moderation.
3. Keep away all other pre occupations like watching TV,Attending Cell
phones,reading book\paper.
4.Do not east, just because food or snacks is available around you.
5. Eat native food. When you are in Japan, have a taste of sushi and Osake which
are unique to Japan. Similarly if in South India eat Curd rice with Vathal
Kuzambu.
6. Eat according your present health condition. What you eat should match with your
requirements. For example a person with high sugar level should stay away from
fat,oils and food that have high Glycemic Index.
7. Do not over eat or under eat.
8. Instead of having a few heavy meals, break intake into smaller portion and
increase the number of times intake.
9. Eat foods that are rich in fiber,minerals,protein and water content.
10. Eat seasonal fruits.
Avoid as far as possible the following:
1. Eating full stomach at night.
2. Old, stale foods.
3.Irregular and untimely eating.
4.Eating as a ritual or a time bound obligation.
Always :
Eat for energy.
Eat for nutrition.
Eat for health.
Eat right quantity and nutritional quality.
Enjoy the taste of food you eat.
Express gratitude for what is made available to you.
Eat Right.Stay healthy.
More to come.
N.Subramani
nsubramani@ymail.com
www.fundurstudy.com
www.healthtips4all.com
www.consultns.com
Tuesday, September 2, 2008
Divination
In this post i will write about Divination.
Are you taking an Important Decision in your life?
Are you thinking of a new project?
Are you planning to take a new partner in business?
Are you planning to get married?
Are you unclear about the next step?
Is the issue very confidential that you cannot discuss with your friends?
Life is a journey in which we make several decisions, some right and some we realize as wrong at a later date. At times we may know little or nothing about a situation or a person but still we have to make a decision of transacting.
Moreover life and circumstances bring up many surprises and challenges we have to face, at a time when we are not ready. Fortunately we are not alone on this earth and many have walked before us on the path of life .We have been given some tool or other for us to Use and live better.
The tools are many and vary from continent to continent and culture to culture.
I respect all systems and am listing below the ones that are used widely.
1. I Ching
2. Tarot
3. Runes
4. Tibetan oracle
5. Rama`s Oracle
A wise person would equip himself with inputs from all sources before taking a decision on any major issue concerning the life of his\her own and loved ones.
N.Subramani
nsubramani@ymail.com.
www.fundurstudy.com
Are you taking an Important Decision in your life?
Are you thinking of a new project?
Are you planning to take a new partner in business?
Are you planning to get married?
Are you unclear about the next step?
Is the issue very confidential that you cannot discuss with your friends?
Life is a journey in which we make several decisions, some right and some we realize as wrong at a later date. At times we may know little or nothing about a situation or a person but still we have to make a decision of transacting.
Moreover life and circumstances bring up many surprises and challenges we have to face, at a time when we are not ready. Fortunately we are not alone on this earth and many have walked before us on the path of life .We have been given some tool or other for us to Use and live better.
The tools are many and vary from continent to continent and culture to culture.
I respect all systems and am listing below the ones that are used widely.
1. I Ching
2. Tarot
3. Runes
4. Tibetan oracle
5. Rama`s Oracle
A wise person would equip himself with inputs from all sources before taking a decision on any major issue concerning the life of his\her own and loved ones.
N.Subramani
nsubramani@ymail.com.
www.fundurstudy.com
Credit Card-Tips
In this blog i am touching upon some very important info on Credit cards.
What is?
Plastic Money,the innovation of modern day Finance,known as Credit card finds a place in every wallet.
Who Offers?
There are a host of Banks offering cards.
Type :
Cards can be
1. Charge Cards - Diners
2. Credit Cards - Visa or Master
3. Co-branded - usually issued under brand name of one bank and another company.Example: ICICI bank with Hindustan petroleum.
Fee :
Now a days most cards come free.some at a fee.Check with Individual issuer on this.
Interest Rate :
Card outstanding attract interest and the rates are similar in most cases.Minor differences exist.
Tips for Credit card holding and usage:
Number of Cards : Restrict to 2 or 3.
Usage : Make proper use.Avoid being impulsive.
Payments : Pay before due date.
Revolving : Avoid. Revolving carries high rate of interest.
Cash Drawal :Draw if you MUST. Each drawal WILL COST YOU.
Online usage : Restrict to one card.
Statements : Check transactions are yours. Also check accuracy.
Charges : Ensure charges levied are correct.
Disputes : Raise promptly issues on Wrong/ excessive/un authorised
debit.
Records : Keep records, correspondences up to date.
History : Maintain good credit History.Take immediate steps to
correct the errors. Do not ignore.
Insurance : Opt for Insurance that covers Critical Illness and Accidental
Death/Disability.
More to come.
N.Subramani
www.consultns.com
www.fundurstudy.com
www.healthtips4all.com
What is?
Plastic Money,the innovation of modern day Finance,known as Credit card finds a place in every wallet.
Who Offers?
There are a host of Banks offering cards.
Type :
Cards can be
1. Charge Cards - Diners
2. Credit Cards - Visa or Master
3. Co-branded - usually issued under brand name of one bank and another company.Example: ICICI bank with Hindustan petroleum.
Fee :
Now a days most cards come free.some at a fee.Check with Individual issuer on this.
Interest Rate :
Card outstanding attract interest and the rates are similar in most cases.Minor differences exist.
Tips for Credit card holding and usage:
Number of Cards : Restrict to 2 or 3.
Usage : Make proper use.Avoid being impulsive.
Payments : Pay before due date.
Revolving : Avoid. Revolving carries high rate of interest.
Cash Drawal :Draw if you MUST. Each drawal WILL COST YOU.
Online usage : Restrict to one card.
Statements : Check transactions are yours. Also check accuracy.
Charges : Ensure charges levied are correct.
Disputes : Raise promptly issues on Wrong/ excessive/un authorised
debit.
Records : Keep records, correspondences up to date.
History : Maintain good credit History.Take immediate steps to
correct the errors. Do not ignore.
Insurance : Opt for Insurance that covers Critical Illness and Accidental
Death/Disability.
More to come.
N.Subramani
www.consultns.com
www.fundurstudy.com
www.healthtips4all.com
Smile
As i set out to write theses lines I remember having read a poetry which goes like this :
`` Smile is quite a funny thing,
It wrinkles up your face,
When it is gone, nobody knows where it is``.
Keep smiling. It does not cost anything.
You increase your face value over a period of time.
Smile like a baby. Full of innocence.
Let there be no cunningness in the smile.
Let the smile radiate genuineness, care and love to all.
Give it a try. A smile can take you miles farther in the journey of life.
Smile is contagious. It can travel beyond limits of time and space.
I know for sure that you would be able to bring back the smile and go extra mile in life.
More to come.
N.Subramani
www.consultns.com
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