N Subramani's Blog

Mahamaham

2010-12-21T18:00:00.000-08:00

When one thinks of Kumbakonam two things that come up in our mind are:

1.Degree Coffee (Famous for its taste)
2.Temples.

I came across a site giving details abt Mahamaham and Temples in Kumbakonam.
visit www.mahamaham.in for more info.
Let ur friends know abt this site.

nsubramani
www.smebizplans.com

Time to Pray

2009-04-12T19:13:00.000-07:00

Busy with a schedule of activity?

Stop for a moment and answer to yourself.Am i taking time to pray?
If for some reason you have not been able to devote time for prayer,find it.

Whatever be the faith or religion you follow,prayers will help
Take time to Pray.
Start today.

Just in case you need external help submit prayer request to:

www.prayforme.in

N.Subramani

Slumdog Millionaire

2009-02-23T08:29:00.000-08:00

Mr.AR Rahman had been awarded Two oscar Awards.

It is a great moment of joy for all indians that had put India`s pride up.

I join several millions of Indians in Congratulating Mr.Rahman and pray that he wins many more Awards for India.

Keep it up Mr Rahman.

N.Subramani

www.indiabizguide.com

ABN AMRO Bank -Chennai

2009-02-22T20:56:00.000-08:00

Hi

Are u an ABN AMRO Bank customer?

Chennai branch of the bank (hitherto functioning at Haddows Road) has moved to a new address
effective from 23-3-2009.

ABN AMRO Bank - Chennai Branch
KRM Towers
1.Harrington Road
Chetput
Chennai 600031
Ph 44-42224222

Share this info to your friends and customers.

N.Subramani
www.indiabizguide.com

Blogging School

2009-02-11T22:41:00.000-08:00

Hi

Do you blog?
Are you just thinking to blog but looking for more info.
Here is info.

I landed on this site just accidentally.

India Blog School founded by Amit Agarwal, who is considered as brand name blogger.

http://blogschool.in/about.html

Hope you would find it informative.

N.Subramani
www.indiabizguide.com.

Donate Blood

2009-02-11T08:07:00.000-08:00

Hi

Many would desire to donate blood and save a life.
In the course of my browsing i came across the following links.
Thought i should share.

http://www.jeevan.org/blood/donate.html

http://www.indianblooddonors.com/

http://www.bharatbloodbank.com/

http://sankalpindia.net/drupal/?q=blood

http://www.psbc.org/home/index.htm

http://www.nybloodcenter.org/index.jsp

http://www.blood.co.uk/

http://www.transfusionguidelines.org/

http://www.sanbs.org.za/

http://www.chiron.com/public/community/

http://www.who.int/bloodsafety/en/

http://www.ifrc.org/WHAT/health/blood/index.asp

http://www.bloodservices.ca/

Pl share this info to needy.

N.Subramani
www.smebizplans.com

Tax saving season

2009-02-02T22:57:00.000-08:00

Hi

February and March is the period when every one will be busy planning

1.maximising Tax concession availing eligible investments.

2.Choosing a better invest option

In case you have not given thought it is time to look at.

Here is a quick recap of available avenues for tax saving:

1.ELSS
2.NSC
3.PPF
4.Time Deposit
5.Senior Citizen savings scheme.

Choice of a particular investment may be decided in consultation with your Investment adviser/Tax planner.
You may find more info in http://www.reddyinvest.com/.

N.Subramani
http://www.indiabizguide.com/

Actor Nagesh

2009-01-31T21:13:00.000-08:00

Hello

I read in newspaper that actor Nagesh passed away.

I remember the some of the finest films Mr.Nagesh acted.
To quote: films like Thillana Moganambal,Thiru Vilayadal,Kaadalikka neramillai,
Edhir Neechal,Pancha boodangal and many more.

Nagesh dialogues in thiruvilayadal with Lord siva - vera edhavadu kodutha ? (his body language in fact completes this dialogue) the scene is green in my mind.In fact i used to tell others that Thiruvilayadal is one film one can watch any number of times.

Mr.Nagesh`s death is a great loss to film industry.
May his soul rest in peace.

N.Subramani
www.indiabizguide.com

Add Aroma

2008-10-26T22:56:00.000-07:00

Aroma refers to a fragrance;distinctive and pleasing smell often of food.

How many times did you move to the direction of pleasant aroma?
A good cook knows to cook a tasty food and spread aroma of food.
It is believed that Kumbhakarna, could be awakened from sleep, with the help of aromatic food.

Surrounding with pleasant smells helps, when one needs to rejuvenate the body,mind and spirit.

Here are a few tips:

1.Go for a session of aroma therapy
2.Light a scented candle.
3.Rub oil of orange on hands and feet and take bath.
4.Eat food with aroma preserved.
5.Make a Potpourri or buy one from specialist.

Just in case you need help in selecting a perfume,try a tester before you buy.
Go for the one that suits you.Avoid strong ones.

Add Aroma to life and be happy.

N.Subramani
www.bizplanner.in

Fill ur Fridge

2008-10-26T21:40:00.000-07:00

Modern day living makes it impossible to operate without a fridge.(Refrigerator).
Temptation to eat junk food is directly related to availability.
Next time you open the fridge,just check on what your eyes look for?
A fruit or Cola?

Filling the fridge with natural,organic food,vegetables,fruits help.
Look at your buying habits.
Gradually orient to Greens,vegetables,Fruits.
Start cutting down on Chocolates,precooked food,French fries etc.,

Over a period of time,one will migrate to healthy eating habits.
Therefore,fill your fridge with good/natural food items.
Save time and money on hotel spends.
In the long term,be healthy.

N.Subramani
www.ichinginstitute.com

Lose and Win

2008-10-22T19:43:00.000-07:00

Do you wonder how?
Yes,one can lose excessive kgs of weight and win health.
The world obesity day falls on 24-10-2008.
Take this opportunity as a reminder.
Check your Weight.
Get your BMI checked. Ok,what is BMI?
BMI refers to Body Mass Index.

One of the best ways to stay healthy is to maintain your ideal weight.
when in doubt,check with your doctor.

For a quick reference use the online resources available.
http://www.nhlbisupport.com/bmi

After all,you have to take care of yourself,for your own sake and for the sake of your
loved ones.Invest time and energy.

Here are a few tips:

Lead an active Life.
Modify the diet.Avoid junk foods.
Give up smoking.
Avoid snacks and drinks.Lean to say no,when offered.
Do some form of physical exercise.
Take professional help.

N.Subramani
www.nsbizconsultant.in

Vocab - Improve it

2008-10-21T00:38:00.000-07:00

None of us can dispense with communication.
We have to transact with some one or other for some reason or other.
So,communication has become an integral part of our life.

While at work or in personal life we constanly communicate
1.Ideas,Thoughts.
2.Instructions,
3.Guidance and so on.

Whatever be the form of communication,for one to be effective one should have a good vocabulary.
Take a moment and think.
Have you stopped reading a letter because you did not understand
some words?
Do you find it irritating to fill some form,because you do not understand the terms?
This may be due to insufficient vocabulary.
Improving one`s vocabulary helps in a number of ways.

Increased vocabulary makes reading more enjoyable.
Ideas conveyed by the author can be understood better.
Eliminate or bring down interruptions in reading,understanding,speech.

Here are a few Tips:
1.Be willing to improve.
2.Take the effort and time.
3.Keep a good dictionary ,Thesaures,Co- build.
4.Check with online sources for help.

http://dictionary.reference.com/
http://www.merriam-webster.com/
http://dictionary.cambridge.org/
http://www.yourdictionary.com/

5.Knowing synonyms for instance will help reduce the repetition of words when one writes.

N.Subramani.
www.nsubramani.in
www.fundurstudy.com

Facing the 4 D`s

2008-10-20T19:49:00.000-07:00

What is Four Ds?

We have several official and personal Projects /Situations which one has to deal with.

Stop for a moment and look at the tasks /decisions, to be handled.

Look at the decisions you take about handling an issue.

One may end up with one of the following 4 Ds.

1.Defer it.

2.Dump it.

3.Delegate.

4.Do it.

When job/decision comes up, we have to deal with the situation in one of the above 4 ways.

Best option is to just do it.

Present day professionally run organizations expect one to just do it. It may be because some one else has already done the thinking part or you are expected to do what you are told.

There are other options as indicated above.

If one is unable to cope with the work load one may defer or dump it for a while.

Given the resources,the best option would be to delegate it to someone down the line or out source.It must be remembered that after delegating/out sourcing, one still owns the responsibility for the completion or delivery.

When choosing to dump, one is in fact making a decision based on some assessment and the responsibility for the consequences will vest in the person choosing to dump.
Deferral will give a breather. This option is to be chosen when the issue is not really urgent and the consequence of deferring will not cost anything.

Sometimes one may need to juggle.
Attitudes may with individuals and with passing of time and position he

Any way, use the opportunity to reflect upon the pattern you follow.

Review the results.

If necessary alter it for better.

N.Subramani

Water 4 health

2008-10-18T20:52:00.000-07:00

Adequate hydration is an essential aspect of human and animal life.

How much water should you drink every day? Views differ.

Generally it is better to have 6 to 8 glasses of water every day.

Water helps flush out impurities and prevent dehydration.

Lack of adequate water can affect the functioning of the bodily systems,may lead to

health related problems like dry skin, headache, Constipation to name a few.

Listen to the body and hear the cry for water.Water intake requirements would differ from person to person.

Some of the factors that might influence water requirement are:

1.Body weight,

2.Exercise pattern,

3.Climate,

4.Specific health condition of the individual like dehydration, kidney health etc.,

Here are a few tips:

    * Have water empty stomach in the morning.
    * Drink water,half an hour before your meal.
    * Cut down on Tea, Coffee, Hot Drinks.
    * Avoid Colas and Carbonated drinks.
    * Carry your water bottle.
    * Do not drink water as if you are in a competition. Drink water gradually.
    * Look at your health condition – are you dehydrated?
    * Do not overload your kidneys.

You may also check this online calculator for your water requirement.

http://www.csgnetwork.com/humanh2owater.html

Use common sense and stay healthy!

Check with your doctor for your water consumption requirement.

N.Subramani

www.bizplanner.in

Farida Group

2008-10-17T20:14:00.000-07:00

Madras Management Association,Chennai holds every month a meeting on the topic Success stories. How it was done?

This is usually a presentation cum talk lasting about 2 hours, by the CEO/founder CEO.

On 17-10-2008 at the meeting held in GRT Convention Centre,Chennai,Mr.Rafeeque Ahmed Chairman of Chennai based Farida Group shared the secret of their success.

Some of the highlights :

1.Farida Group- a family owned business,founded in 1957 by his father late

Haji Mecca Abdul Majid at Ambur for finished leather to be sold in the domestic market.

2.Mr Rafeeque joined the family business in 1964 with his father .

3.Farida, today, has expanded to 12 plants. Reached self sufficiency in sourcing of raw materials like finished leather and other shoe components and sub-assemblies from own sources.

4.Employs about 6,000 people directly. Some plants are run by women.

5.Facilitated the seasoned and skilled work men in setting up small units and become vendors to the Farida Group.

6.Farida group has grown steadily and the turnover stands at Rs.650 Crores.

For all the success and achievements the credit goes to the 5 principles the Farida Group follows.

They are:

1.Be Pro active.

2.Aim for excellence

3.Be fair

4.Be humble

5.Socail and legal compliance.

In addition to the 5 principles, personal quality of his father Hajee Mecca Abdul Majid has helped all through, i.e., be the first to greet and keep smiling.

Future plans of Farida Group:

1.Esatblih own premium brand in Europe.

2.Establish 160 stores in Germany.

3.Enter domestic retail market.

N.Subramani

http://chennaiakamadras.blogspot.com

http://studychoices.blogspot.com

Balance Transfer

2008-10-17T10:13:00.000-07:00

Free Credit.Yes,Credit card issuing banks do offer a period of free credit on the balance transferred from one card issuer to another.
One can avail this benefit by resorting to what is called as Balance Transfer facility.
This is a boon,in a situation where the interest rates are high as 3.5% p.m.It is advisable
to avail BT as a cost cutting measure.

Assuming one has carried over a balance of Rs.50,000/- in card A,then he can bring down interest card
by availing a BT offered by bank C.
Usually the this transfer will be done at Zero % interest.But the interest free period will be only 3 months.There are BT offers which carry interest,when one opts for a longer period.
Of course,a transaction fee is levied on the BT amount as a %.

It is a good way of saving interest cost.

Here are a few tips:

1.Maintain card account in good status.
2.Avail a BT
3.Pay off the BT value within the Zero % interest period.
4.Ensure to avoid late fee,penalty levy in your card account(s)

Try it.One can make sizable savings in interest cost.

N.Subramani
www.gradtophd.com

3 Secrets

2008-10-14T10:32:00.000-07:00

The Secret to becoming successful and getting things done is Time Management.
If you do not handle time properly,one will lose time.
3 secrets to time management are:

1.To do list
2.Prioritising
3.Doing the First things First.

To do list is nothing but writing down what you need to do on a daily,weekly,monthly basis.
I remember the time i called the printer to print my own format of ``To Do List`` this can also be called as Things to do.

On a personal level, a sample would look like

1.Pay Phone bill
2.Visit Bank
3.Visit Dentist.
and so on.

To Do List on an official level would look like:
1.Finalise Board Meeting Date
2.Write,chairman`s speech.
3.Talk to Bank for executing Loan Agreement
One can make this list into a calender by just adding time.

Having written the list,it should be prioritised.
Third secret is to do the First things first.

Every day review the list.Check what has been finished.
Carry forward the items not completed.

Try it.You will reap benefit.

N.Subramani
www.gradtophd.com
www.fundurstudy.com

Hobby

2008-10-11T09:46:00.000-07:00

The term Hobby is defined as an activity or interest pursued for pleasure or relaxation and not as a main occupation.

Hobbies are a source of learning,fun and relaxation.

Hobbies include:

1.Stamp collection - Philately.

2.Coin collection - Numismatics.

3.Bird watching - Ornithology

4.Fishing

5.Reading

6.Collection of various items,curios,

7.Mountaineering.

8.Music

9.Gardening

The list will grow bigger.

Encourage your children in pursuing their hobby.

www.fundurstudy.com
www.gradtophd.com

Stay healthy

2008-10-05T08:34:00.000-07:00

Remote controls,Computers,Washing Machines,Vacum cleaners,Motor cycle and Car have made it possible for us to have almost everything, without much physical efforts .Day by day,physical activity is getting reduced and becoming insignificant to stay healthy.
Present day work environment demands that employees stay healthy and fit on the job.
Staying healthy is a part of our resource requirement.Therefore,it is worth the time,effort and money spent on staying healthy.
It is not possible for any one to be 100% healthy and that too all the time.But one can always attempt to stay healthy by taking some simple steps.

Here are a few tips:
   1. Climb steps. As far as possible avoid lift/escalator.
   2. Bring down couch time.
   3. Do your personal work yourself.
   4. Do some physical exercise, like walking, Yoga, Tai chi etc. Check with your
       Doctor /Physical fitness trainer for an exercise plan that suits your body condition.
   5. Cut down Junk foods.
   6. Avoid Snacks and drinks.
   7. Eat healthy, nutritious food. Eat in small quantity, increase the number of times intake.
   8. Cut down on Oil,Fat,sugar and salt.
   9. Avoid hot drinks.
10.Quit smoking.
11.Eat plenty of vegetables, greens, fibrous food.
12 Have periodical medical check up and follow medical advice.
13. Take time to relax. Spend.about 20 minutes a day relaxing.

Improving health,staying healthy requires dedication and non stop practice.
Make the most of it.Enjoy good health.
Be more productive and happy.

www.healthtips4all.com
http://mallnews.blog.co.in
http://knowchennai.blog.co.in

Stress in Children

2008-10-05T00:14:00.000-07:00

Present day competitiveness drives children to higher levels of stress.

Before we move any further Let us look at what is stress?

The term stress is defined as a demand on Physical or mental energy.
Stress is an inherent part and a fact of life .Stress cannot be avoided completely.
It is fight or flight response that keeps us active and alive. What is important is how we respond to it. Prolonged or excessive may over tap the resources of an individual and render one vulnerable to illness. Symptoms of stress include muscle tension, high blood pressure, psychological problems, digestive disorders, a weakened immune system, cancer, and heart disease.

Stress has to be managed by using proper coping mechanism together modification/adjustments..

Here are some tips to cope with stress.

Avoid :

   1. Driving children too much.
   2. Hyper parenting.
   3. Discussing office/personal issues in front of children.
   4. Excessive watching of Television.
   5. Wasting precious time on SMS, Chats etc.,
   6. Ignoring home work.
   7. Responding lately to study requirements like revision, preparation for test/exam etc.
   8. Criticising Children in front of strangers and in public.
   9. Driving children to be too perfect.

Encourage children to:

   1. Have a realistic approach to study and life.
   2. Relax. One can practice Mudras, Breathing techniques, shavasan for relaxation.
   3. Cultivate a hobby.
   4. Teach them value of time.
   5. Have adequate sleep, Exercise, Eat a nutritious food.
   6. Avoid junk foods.
   7. Study well and smart.
   8. Read materials allied with studies.

In addition to above, Parents should also

   1. Provide a comfortable, disturbance free environment for study.
   2. Spend quality time with your children.Make it a point to do this at regular intervals.
   3. Read the report card carefully and look for clues. Check for areas requiring parental attention.
   4. Keep a watch on your child` s internet habits. Install child protection software.This will help protect against Cyber threats, which is becoming a serious issue affecting children.

Give a try. I am sure you would stand to benefit and make your child better fit.

N.Subramani

www.healthtips4all.com

http://knowchennai.blog.co.in

Quit Smoking

2008-10-02T18:38:00.000-07:00

October 2nd,2008.Ministry of Health& Family welfare bans smoking in public places.
Right move towards staying healthy.
This would bring down
1.Pollution in public places
2.Risk of passive smoking
3.External stimulation to smoke.This new environment will
definitely encourage a person otherwise willing to quit smoking..

Having known that smoking tobacco is a health hazard for self and others,
let the new regulation facilitate in intensifying the education and awareness.

Let this be an encouragement to quit smoking at the earliest.

Quit smoking.Breathe easy and return to pink of health.

All the best.

http://knowchennai.blog.co.in
www.bizplanner.in

Is it time?

2008-10-02T06:10:00.000-07:00

Gone are the days of one sticking to a single employer, serving for 35 years and receiving a wrist watch for longest years in service.

For the present generation this model is less appealing.

Equally, more opportunities open up,enabling one to job hop.

What is job hopping?

Job hopping refers to changing jobs.

Why does some one hop?

Reason can be anything.

Answer these questions

Are you denied the promotion due to you?
Are you frustrated in your existing job.
Are you not recognized in your present job?
Are you not being invited for official meetings?
Is your increment not in trend (in spite of a good appraisal report)?
Are you not informed about major decisions ( that affects your working)?

Have you answered yes to one or more of the above questions?

Take clue and start acting. Start looking for openings elsewhere.

Be ready to hop. As you can always find something to learn and grow from every situation.

One can hop jobs so long as:-

He or she has the years in age
You think it is worth a risk
You think it is better to quit your current job
It is not worth holding on to your current job
Get a better title
An increase of 35-40% on the current pay.
Better Perks.
Close to home town or family.
Best ever or once in a life time opportunity to move to a better company.

Bottom line of the message is make the best of the experiences you're having now.
You should keep your options open and convert to cash at the right time.
www.nsubramani.in
www.fundurstudy.com
http://knowchennai.blog.co.in

Turn off TV,Turn on Life

2008-10-02T00:06:00.000-07:00

`` Boy scolded for watching TV, sets himself ablaze`` - a news item in The Hindu today.

It is shocking to read.

Television an invention of this century occupies our mind, time too much.

It is really too much that children have become uncontrollable.

Keep a watch on this silent time robber.

Stop and think.

Do you rush for the remote the moment you enter your home ?

On the negative side,TV watching spoils your health.

Be responsible. Take care of your time and health.

Here are a few Tips:

Do not turn the TV on,just because it is there.

Turn off the TV,especially when there is not something that you want to watch.

Keep a watch on what you watch.

Watch what programmes your children watch during your absence from home and also late night.

Parents/elders should exercise self control on the time spent before TV.

Avoid watching TV just before retiring to bed

Avoid eating while watching TV. You lose the taste of food.

Chances of eating junk food will be high.

Do not engage your visitors by turning on the TV.Spend time with people

Turn off Television.Turn on Life.

N.Subramani

www.nsbizconsultant.in

www.bizplanner.in

20 Tips - New office

2008-10-01T05:07:00.000-07:00

Whenever one joins a new office,the first week will be spent on meeting people,intrioduction,induction etc.,

Here are a few points that can help.

1.Arrive early to the office.

2.Get introduced to as many persons in the office.
    Remember their Name, Title, Job responsibilities.

3.Go through the protocol,do not skip or overlook.

4.Read through office Manual,Hand book,Power of Expenditure,Employee Hand book.

5.Know fire safety and usage guidelines, exit route.

6.Intimate bank account details for credit of salary through bank transfer.

7.Collect cell Phone,SIM, etc.Intercom nos,Cell phone nos of head of departments and key persons.

8.Ascertain about relocation expenses and claim it.

9.Speak less, listen more.

10.Do not give on the spot comments.

11.Carry note and pen and jot down discussion points.

12.Do not try to change things over night.

13.Settle down quickly.

14.Avoid talking about personal matters.

15.Make a list of points for improvement if any.Wait for your turn.

16.Be available in the office.

17.Keep personal calls minimum.

18.Get separate e mail id,Business card,stationery etc.,

19.Avoid usig the following statements:

      in my old office,
      i am used to….
      in my experience………….

20.Visit Factory,Project site office to gain first hand knowledge about the activities.

N.Subramani
www.fundurstudy.com
www.healthtips4all.com

Use Lean time -15 Tips

2008-09-27T22:17:00.000-07:00

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

Job Loss - 12 Tips

2008-09-24T00:37:00.000-07:00

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

Clinical Research

2008-09-23T08:08:00.000-07:00

With the signing of TRIPS ( Trade related Intellectual Property Rights),

the Career opportunity in India will increase for Personnel Trained in Clinical Research.

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 alone.

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 who offer courses in Clinical Research.

www.aceindia.org
www.icriindia.com

With higher growth potential, Clinical Research may become a promising Career option.

Explore and benefit.

N.Subramani

www.fundurstudy.com

Answer to Blog - F A Q

2008-09-21T05:59:00.000-07:00

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:

Google

Word press

Blog.co.in

Sulekha.com

Ibibo

Rediff.com

Links to blog sites:

https://www.blogger.com

http://blog.co.in

http://blogs.sulekha.com

http://wordpress.com

http://blogs.ibibo.com

http://www.rediffiland.com

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

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

http://nsubramani.blog.co.in

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

www.bizplanner.in

Blog -What is?

2008-09-20T23:39:00.000-07:00

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

Inventory Listing

2008-09-20T11:35:00.000-07:00

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

Success Tips

2008-09-19T08:46:00.000-07:00

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

Mailing List

2008-09-19T02:20:00.000-07:00

Whether in Business or in personal life.a mailing List is very useful tool that helps in quick communication.
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,

and many more.

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

We find a lot of free ware address book or PIM soft ware available on the net.
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

Personal Records -2

2008-09-15T20:09:00.000-07:00

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

www.nsubramani.in

Personal Records

2008-09-14T19:04:00.000-07:00

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
Pass Port
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 \ Sale deed
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

www.nsubramani.in

Yellow Pages

2008-09-14T04:46:00.000-07:00

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

www.nsubramani.com

Home Library

2008-09-10T18:18:00.000-07:00

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

Business Name

2008-09-09T21:12:00.000-07:00

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

I Ching - FAQ

2008-09-09T08:38:00.000-07:00

Here are a few Frequently asked questions about 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

write for any clarification.

N.Subramani

nsubramani@ymail.com

Medical Records

2008-09-08T09:49:00.003-07:00

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

Medical Records

2008-09-08T08:23:00.000-07:00

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

Financial health

2008-09-06T19:04:00.000-07:00

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

Take time

2008-09-06T07:24:00.000-07:00

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.

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.

More to come.

N.Subramani

www.fundurstudy.com

www.smebizplans.com

www.ichinginstitute.com

Higher study

2008-09-05T20:27:00.000-07:00

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 and Abroad.Global education provides exposure to international community and enhanced career prospects.

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 and then go for masters abroad?

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.

Learn a Language

2008-09-04T18:23:00.000-07:00

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

Interview - Questions.

2008-09-04T09:33:00.000-07:00

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

http://www.consultns.com

Tips

2008-09-04T07:48:00.000-07:00

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.

Interview - Tips

2008-09-04T07:03:00.000-07:00

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

Domain name-Tips

2008-09-04T06:33:00.000-07:00

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

Project Report - Bank loan

2008-09-03T18:17:00.000-07:00

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

Bank Loan

2008-09-03T06:42:00.000-07:00

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

List of Banks

2008-09-03T05:20:00.000-07:00

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

Diabetic Foot Care

2008-09-03T03:22:00.000-07:00

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

Constipation

2008-09-03T03:11:00.000-07:00

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

Healing

2008-09-03T02:52:00.000-07:00

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

Eating - Tips

2008-09-03T00:20:00.000-07:00

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

Divination

2008-09-02T19:42:00.000-07:00

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

Credit Card-Tips

2008-09-02T18:44:00.000-07:00

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

Smile

2008-09-02T01:36:00.000-07:00

Hi,

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.fundurstudy.com

www.consultns.com

www.healthtips4all.com

Sleep

2008-08-29T09:25:00.001-07:00

In this post i will be writing about sleep.Next to stress management sleep is another area every one would be more concerned about.All creations go through the process called sleep.

Sleep is a natural in built phenomenon of human life.We spend almost a third of our life in sleep.
Can you escape sleeping ?? Answer is a definite no.Because sleep is the built in mechanism to restore and rejuvenate our body and mind. Sleep keeps us healthy and prepares us to face a new day.

World over it is found that for many getting sleep is a problem Many have problems while sleeping. Tossing on the bed.Restless leg syndrome and many more.Research is on in solving sleep mystery.

By the way what is right amount of sleep?
Answer is it varies. As a baby you would have slept almost 18-20 hours a day. As we grow up the sleep time is stabilized around 8 to 9 hours a day.

From time immemorial sleep problems have been dealt with by all systems of medicine.
we read that sleep temples existed in ancient Greek. In Hindu mythology Nidra Devi is associated with sleep.

It is not healthy to sleep beyond 8 to 9 hours unless specific physical and medical conditions warrant.
In case you or one of your loved ones sleep excessively,then it is advisable to seek medical assistance.

Here are a few Tips on getting good sleep:

1.Avoid eating stomach full at night.

2.Avoid staying hungry.

3.Avoid excessive Alchohol, Spicy or stale foods at night.

4.Stop watching horror movies just before retiring to bed.
Keep a watch on what your children watch at night.

5.Avoid extremes of temperature and noise in the place where you sleep.

6.Avoid watching TV staying on Bed.

7.Go for a small walk just before going to bed.

8.Have a foot bath just before going to bed.

9.Keep night life,outing,Parties in moderation.

10.Learn to relax.Stop sheep counting.

11.Adjust or condition your bioclock according to Time Zone you are moving into
when you move from one zone to another.

Keep the tips in mind and still if there are any other discomfort\pain take clues and get medical attention at
the earliest.

Stress Management

2008-08-29T08:34:00.000-07:00

Hello again!

Welcome back to my blog.

Having known something about mudras i thought i will touch upon the most sought
after topic ~~Stress management~~.

The term stress is defined as a demand on Physical or mental energy.
Stress is inherent part and a fact of life . Whenever our mind perceives a threat, whether real or imaginary, the brain instantly and automatically evaluates the situation. Then the subconscious begins to prepare the body for a response.

It is fight or flight response that keeps us active and alive. What is important is how we respond to it. Prolonged or excessive may over tap the resources of an individual and render one vulnerable to illness. Symptoms of stress include muscle tension, high blood pressure, psychological problems, digestive disorders, a weakened immune system, cancer, and heart disease.

When a person is stressed, breathing becomes shallow and rapid. Because oxygen is necessary for the metabolism of every cell in the body, it affects the functioning of the autonomic nervous system which regulates automatic functions like heart rate, respiration,and digestion.
Stress has to be managed by using coping mechanism.

Here are some tips to cope with stress.

1.Be realistic in your goals .Instead of brooding over past mistakes,learn the lesson and
move forward in life.

2.Take care of your weight.As far as possible maintain your ideal weight.

3 Do some form of Physical excercise regularly.

4.Have a nutritious food.Avoid snacks and drinks.

5.Have seven to eight hours of sleep every day.

6.Undergo regular medical check up and follow your Doctor`s advise

7.Avoid going after unwanted things.Use time wisely.

8.Forgive others.

9.Learn to relax.Practice relaxation every day for 15 minutes at least.
Take three short breaks of 5 to 10 minutes at a time.

Give a try.I am sure you would stand to benefit and be better fit to handle stress.

All the best.

more to come.

N.Subramani

www.healthtips4all.com
www.fundurstudy.com
www.consultns.com

Mudras -FAQ

2008-08-29T05:41:00.000-07:00

Hi,
welcome back.Having read about Anjali Mudra and Lotus Mudra some of you might have a question about what is Mudra?
How does any one go about prctising the mudras?
I am answeing in the form of an FAQ here.

1. What are Mudras?
Mudras are hand gestures used in Dance,communication,Rituals,healing.

2.What is the period of Mudras?
Mudras have been practised over several thousand years.We can see from Budha sitting in
a very special mudra called Bhoomi sparsa mudra.

3.Can you name some of the common mudras?
Most commonly used mudras include

a.Pran mudra

b.Apaan Mudra

c.Gyan Mudra

d.Mruta sanjeevini mudra

e.Prithivi mudra

f.Akaasa mudra

g.Chanka Mudra

h.Vayu Mudra

4.What mudras can do?

Mudras magnify the body`s energy.

Mudras redirect and recharge the energy.

Mudras balance physical,emotional and spiritual being of an individual.

5.Is there any side effect?
All effects are good and nothing bad.
Mudras help to eliminate toxins and relieves block to flow of Prana the life force.

6.When do i practice mudras?

Mudras can be practiced any time when there is an emergency.Generally recommended
time is once in the morning and evening.

7.What precaution should I take?

Avoid doing mudras immediately after food.
Avoid when you are in too much hurry.

8.How l0ng do I practice?
Practice as long as you feel comfortable.
Generally a single session of 15 to 45 minutes is OK.
9.Can I practice all the mudras ?

There are generally no restriction.But Apaana mudra for example should be avoided when a
person is having loose motion and by pregnant woman in early months.

10.What about clothing?

Clothing can be loose and comfortable.
Clothing should match with the season and climate.

11.In which Posture should I do mudras - sitting or lying?
No hard and fast rule. Sitting posture is recommended..

I think by now you must have got a fair idea about Mudras.

More to come.

N.Subramani.

Padma Mudra

2008-08-28T10:25:00.000-07:00

Hi,

Welcome back to my blog.
To day i will be continuing from my previous post wherein i mentioned about Anjali Mudra.
We move on to Padma Mudra or Lotus Mudra.Padma in sanskrit refers to Lotus.It is interesting to note Lotus has been associated with several very important writings.

We find Padma Purana in Hindu Mythology.In budhist writing we find The Lotus Sutra,
In sanskrit it is known as Saddharma Pundarika sutra.
It is widely believed that just chanting the name of the Lotus sutra is powerful enoughto bring several merits.

Coming back to lotus mudra,it is performed with hands in anjali mudra position.Just open the ring,Middle and index fingures.Observe now that your hand shows a bloomed lotus.Let the awareness be with you.Visualise the healing energy flowing through.Just experience.

This mudra brings the calm and some would experience a sense of opening up.In bharat natyam also this mudra is used.Some may experience the compassion from deep with in.

This mudra is practised in sitting or standing posture with back straight and head slightly bent forward like in anjali mudra.Go ahead and get the benefit of the mudra.

More to come.
keep blogging.

N.Subramani
www.healthtips4all.com
www.fundurstudy.com
www.consultns.com

My First post

2008-08-25T09:56:00.000-07:00

Hello!

Greetings and Welcome to N.Subramani`s blog.

I would be in touch with you through my blogs. I will be touching on subjects that will benefit
you,your family and friends.

This being my first post i would like to offer a prayer for our well being and prosperity with my hands held in Anjali Mudra. You may ask what is anjali mudra? Anjali mudra is one of the finest,mudras in my opinion.

By the way u may wonder what is this term Mudra meaning a gesture (here)made with hands.
This is the mudra used when we offer a prayer,stand before our guru,elders etc.
This mudra is also used when we say namaste or Vanakkam.

When i use this mudra i feel the state of mind when i am able to see the creator,the buddha,the christ.Allah,the god in you.One of the very important upanishads known as Isavasya upanishad starts with th stanza - ``isaa vaasyam idham sarvam``-meaning issa (god)is in every one and everything around in the here and now.

May the practice of Anjali mudra help us feel the god\qualities in all things around.The residual benefit is unity of the left and right brains,body and mind,peace and harmony.

Why not give a try?

More to come. Continue blogging.

N.Subramani.