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Tuesday, March 22, 2016

Government collects Rs 20165 crore via education cess in April to January

The government on Tuesday said it has collected Rs 20,165 crore through education cess in the first 10 months of the current fiscal. Of this, Rs 14,509 crore was collected under direct taxes and Rs 5,656 crore under indirect taxes, Minister of State for Finance Jayant Sinha said in a written reply in the Rajya Sabha. 


Education cess was introduced to fulfil the commitment of the government to provide and finance universalised quality basic, secondary and higher education. The primary education cess was introduced in 2004-05 while the secondary and higher secondary education cess was introduced in Budget 2007-08, Sinha said. The proceeds of education cess are... spent on Sarva Shiksha Abhiyan and mid-day meal scheme of the government, he added.

Thursday, March 10, 2011

Buying or selling real estate in slow market

A slow market is usually identified by little or no activity going around in the market. Normally, real estate bubble bursts are followed by slow markets where sellers find themselves at the wrong end. Sellers are reluctant to sell at low prices (because they have purchased it at insanely high prices) while buyers are reluctant to buy at high prices (because the actual value of the property is less than what the seller is demanding). It results in lots of properties lying vacant for months; supply outstrips demand, which gives buyers an upper hand over the sellers. Eventually, sellers are forced to revise their pricing and buyers are in a strong position to negotiate.
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Quite obviously, Buying in a slow market is not a problem; however, you are in for some real stress if you are the one, looking to sell your property in a slow market. If you are not in urgent need of money, you may think of delaying the sale, but even then you will have to incur carrying cost (e.g. utility bills, mortgage installments or property tax). You must start from realizing that you’ll have to compromise on your asking price. Irrespective of how much the property cost in the past, you must settle on a price which is in line with the current situation. In some cases, waiting too long for market recovery will result in unsustainable financial burdens, so it’s better to sell it out on give and take basis.

Apart from the compromise on prices, you’ll have to be a little creative when it comes to marketing your property for sale. Remember that there are thousands of properties lying vacant in the market; you need to make sure that your property stands out from those properties, one way or the other. In a market, where buyers are few and far between, you need to work extra hard to tempt these buyers. There is no need of getting desperate and setting a price too low, the best idea is to do a little research and watch out for the prices of properties which were sold in recent past. It will give you a good idea of what is the appropriate selling price for your property. You can also offer good commission rates to real estate agents to tempt them into selling your property sooner than the others. Take maximum advantage of the low cost or free advertising mediums such as online property portals or local newspapers.

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How to prepare your house for a quick sale

In order to sell your house fast, it is necessary to prepare the house for sale in order to sell fast even in a down real estate market. Here are a few things you can do when looking to sell your home.

1)Talk to an agent A real estate agent should be the first person you talk to when you need to sell your house. They will suggest a few things that can be helpful in getting a buyer for your house fast. First, they may suggest simple changes that will improve the salability of the house. Sometimes these changes may cost you nothing. Secondly, they will do a comparable sale analysis of your home and suggest the best market value for your house, which may become your asking price. Most agents have a list of potential buyers, and may also have networks of real estate agents and professionals who may refer home buyers to them. If at all it is possible to get your house listed in the MLS for sale, then it automatically gets exposure in the market, even if the market may be over-flooded with similar houses for sale.
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However, sometimes it may not be possible to follow this route. For example, you may not have enough equity to pay fees and commissions associated with selling your house through a real estate agent. You probably need to sell your house fast, for example if you are behind on your mortgage payments, or the house needs repairs to be marketable. In this case, you may then need to sell the house without the help of a real estate agent. Due to the high numbers of foreclosed properties, most houses are priced very low. The number of houses for sale on the market is also higher than potential buyers. This is why you need to get your house ready for sale. The following tips will help you get it ready for sale.

2)Inspect your house It is important to know the repairs needed for your house. If at all possible, all systems should be in good working condition. This is the first thing potential buyers look for.

3)Improve curb appeal The outside of the house is the first thing a potential buyer will see when they come to buy your house. You must therefore keep it impressive to get them to go inside and take a look. Keep the yard clean; remove clutter and make it welcoming.

4)Stage your house Remove all extra junk and clutter that we all tend to accumulate over time. A cluttered house does not look attractive. Less clutter means it looks more spacious and welcoming. Before you leave in the morning, make sure the beds are made, and generally that everything is in perfect shape. Stage your house properly to look good, both in the pictures you take and visually. Potential home buyers will first look at the pictures and make a decision based on the first impression.

5)Be flexible in your price Few people are looking to buy a house for full market value in a depressed housing market. If at all possible, price it below market value and be ready to negotiate to sell fast. 6)Market your house Placing an ad in the local papers or online such as Craigslist and other online websites may get you a buyer. Of course, a sign on your yard is important for people passing by in the area.

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Wednesday, May 19, 2010

Integrating the survey into your web site

There are three things that you can do to make the survey appear to be part of your web site. Some of them require some understanding of HTML.

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  1. Create your own survey entry page on your web site and give this URL to survey respondents. This page can reside on your intranet or on the internet. After you create a survey, you can elect to create an easy-access page. When you create this page, you will be given a web page that you can embed as a link on your web site.

  2. Frame the survey in a page on your own website. If you are familiar with HTML frames, you can use them to make the survey appear to run from your website. To do this, use the easy-access page (described above) as the source for a framed page on your web site. Then, when respondents complete the survey, they will remain inside the frame that they started in. Be careful not to make the size of the survey frame too small. Our surveys are designed to use most of an 800x600 pixel screen. That this option is recommended only if you are familiar with HTML and web site design.

  3. Specify an exit page when you create the survey. If you specify an exit page when you create your survey, users will be routed to this page when they finish the survey. You can use this feature to create your own thank you message and pass along any final information to respondents.

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Thursday, April 8, 2010

True Market Research Websites

Market research can be expensive, and it takes a fair amount of time and thought to do well, so why do it? The short answer is that management wants to make informed decisions and to ensure that they’re keeping their finger on the pulse of the guy who employs them – the customer.

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When pondering market research, generally companies are considering a decision that involves a significant investment, or that has a large potential for risk if they were to make the wrong decision. In some cases they’re trying make a million dollars on a new product, and in other cases they’re simply trying to hedge their bets to make sure that they protect the markets that they already have a stake in.
Knowledge is Power! Market research is all about increasing your understanding of the market, of the customers’ motivations or their frustrations that may not have even reached the surface yet, but are a on a slow boil that could upset the applecart. Knowing something more than your competitor can be the difference between success and failure, and in many cases the customers are the ones that know best. This is where you and I, the customers, can make some good money....
Maybe that product idea that your company has been kicking around for months is actually something that holds great potential, but your group is deadlocked over whether it should be pursued or not. Some customer feedback could help to break that tie.Market research is simply a more systematic approach to gathering customer feedback and ensuring that the feedback is as independent and unbiased as possible. In addition to the actual research findings, another common benefit is that research tends to focus the team on the needs and expectations of the customers. This is particularly beneficial because many people tend to believe that they are representative of a typical customer. The reality is that anyone employed in an industry tends to be
much more knowledgeable, interested and sensitized to the topic than is a typical customer. Conducting market research seems to remind employees that everything that they do should be in service of that ‘typical customer’.
When it comes to understanding what a typical customer values and why they value it, market research can be a great tool and is probably worth consideration as you ponder that next big decision. About Author: Rita Thomas

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Sunday, March 21, 2010

The logic Of Science Behind Vastu

It is amazing to know that the Vastu principles discussed in our ancient books are built upon solid foundations of science to provide all round prosperity for the dweller. In this article, I will cover the scientific basis behind the core Vastu principles.
The entire life in our Universe is based on the five elements namely Fire, Earth, Air, Water and Sky. These five elements are found everywhere and anywhere. Even our body is composed of these five elements only. When any of these elements happen to be in excess or less in our body, it will result into physical or psychological problems. For example, if Fire element is more, we will get physical problems like high BP, insomnia, ulcers and psychological problems like anger and tensions. When Water element dominates, it leads to laziness, hallucinations, fickle mindedness, obesity and indigestion. Vastu is a science of architecture which is aimed at balancing these five elements.

Understanding the elements:

In our solar system, Sun provides life by giving enough light and heat which makes the life possible on Earth. This is the reason our Vedas and Upanishads praised Sun as supreme soul (God). Sun rays travel in the Sky and reach our Earth. Thus the Sky element is the carrier of life energy. Sky element should be enough to carry abundant life force into our house.

Before constructing the house or building, we should take the measurements of the plot or land. The Sky element is 9% of the length and 9% of the breadth around the plot. For a plot with 60 ft length and 50 ft breadth, we should leave around 5.4ft along length and 4.5ft along the breadth as Sky element. The Sky element surrounds the entire house something like a box as shown in the Figure 1. Remember, the actual construction should be done after deducting space for Sky element. So the actual construction length will be 60-5.4 = 54.6 ft and breadth will be 50-4.5 = 45.5 ft.

We should leave the space for Sky element around the house or building. The Sky element can be kept more by leaving more space around the house or building. In that case, we should leave more space towards East and North directions. It means the house or building should be constructed towards the S-W direction in the plot.

After deducting space for Sky element, only the remaining area (54.6 X 45.5) should be used for actual construction. This area should be divided into 4 equal parts of each 25% as shown in Figure 2. Part1 starting from middle of North till middle of East is represented by Water element. Part2 from middle of East to middle of South represents Fire element. Part3 from middle of South till middle of West represents Earth element. Part4 from middle of West to middle of North represents Air element.

After finding the elements in the plot, the next step is to find the Brahma sthana. Brahma sthana represents the place where lord ‘Brahma’ the creator resides. It is a mixture of all the 5 elements (Water, Fire, Earth, Air and Sky) since Brahma is the creator for all the 5 elements. Brahma sthana is a rectangular area with 1/3rd of the length and 1/3rd of the breadth in the center. Take the length and breadth of the actual construction area and divide each with 3. In our example, 54.6/3 = 18.2 ft and 45.5/3 = 15.2 ft. So the Brahma sthana in our building will be in the exact center in a rectangular form with 18.2 ft length and 15.2 ft breadth as shown in the Figure 2.

Balancing the five elements:

It is essential to balance these five elements. The Sky element should be 9% of the length and 9% of the breadth. Even if the Sky element is more, there is no problem. But it should not be less than 9%. Water, Fire, Earth and Air elements should occupy exactly 25% of the construction area. Brahma sthana should be a rectangular area with 1/3rd of the length and 1/3rd of the breadth in the center. This is how these elements should be kept balanced. If any of these elements are deficit or excess then there will be problems to the residents of that house, as shown in the following table:

Element Result if not balanced
Water Losing God’s grace, loss of male children, generation will not continue, draining of all wealth.
Fire Quarrels between wife and husband, court litigation, problems to females, getting into debts.
Earth Severe and chronic illhealth, accidents, death of owner, problem to eldest child, loss of money due to bad habits and enemies.
Air Loss in business, mind related problems, loss of immovable property and cattle.
Sky The subtle energy flow cannot reach, so there will be loss of God’s grace, unexpected situations, mental problems, possession of spirits or devils.
Brahma sthana Problems related to stomach, genitals and lower parts of body. Women will face abortions and children will not survive.


1. An element is said to be imbalanced, if the area of the element is extended or reduced. See Figure 3, where South-East corner is extended and hence there is excess of Fire element in that plot. In Figure 4, the South-West corner is cut off and hence there is deficit of Earth element. This is the reason behind the Vastu principle that construction should not be done in plots with irregular shapes like triangle or hexagonal.

Case: Year 2000. A house in Hyderabad, India where S-E block is constructed protruding out. Hence S-E is dominating. The owner of this house, a Government official has lost his job immediately after the construction of the house. He stays in the house and quarrels with his wife. His wife is soft and noble. Later, I came to know that he applied for divorce from his wife.

2. Since our soul has taken physical form and we live on this material earth, the Earth element can be a little bit raised when compared to other elements. Next to Earth, we can have Fire element a little bit raised and then Air and lastly Water. Since Water naturally flows downwards, Water element can be a bit lowered in the house. It means, when construction is done, the flooring should start at a height of 5 or 6 inches in the N-W and should slowly slope down towards N-E. This applies to flooring as well as to rooms constructed on the terrace. If a room is built on the terrace in the N-W corner, there will not be any problem as the Earth element is raised. But if the room is built in N-E or East side, and the remaining directions are free, then it leads to problems.

In Figure 5, the house has Water and Air elements dominating when compared to the other two elements which results in Vastu problem.



3. When there is no sufficient place around a house or building, it leads to imbalance of Sky element. See Figure 6, where the house is in between two gigantic buildings. The Sky elements of the two buildings overlap the Sky element of the house and hence the people live in that house will face problems.

4. Mixing the opposite elements will lead to chaotic environment. For example, in the Figure 7, kitchen is constructed in the Water element. As kitchen represents Fire, it is being mixed with Water element will cause problems to the residents.

Case: Year 2009. A house at Palakol, India. The toilets are constructed in the N-E part of the house. The owner of the house has two children. The owner died due to illhealth. Later, their daughter died by committing suicide. Recently their son has developed problem in the kidneys and both of his kidneys stopped functioning. N-E is considered as sacred direction because the pranik energy comes from N-E. So, a toilet should never be constructed in N-E or East or North. It should be in South, S-W or West.

5. Brahma sthana which lies in the center of the house should be left free. This means, a pillar or wall should never be laid in the brahma sthana.

Uniform flow of pranik lines:

The pranik (life) energy which comes from Sun and other planets comprises of various types of energies like magnetic energy, light, thermal energy, gravitational energy and various types of radiations. These energies reach the people live on this earth and influence the parts of their body. For example, scientists found millions of Ferrous Oxide crystals in human brain which are highly influenced by the magnetic and electrical fields. Such magnetic material is also available in the other parts of human body.


The pranik energy enters the house mainly from East, as Sun is the principal source for it. When the house is constructed in alignment to the four main directions, East, West, North and South, the pranik energy distribution in the house will be uniform. See Figure 8. This will ensure good health to the residents. On the other hand, if the house is constructed in deviation from the main directions, then the pranik energy flow will be uneven and zig- zag. See Figure 9. This leads to health problems both physical and mental. This is the reason why Vastu does not prefer houses facing the corner directions like N-E, S-E, S-W or N-W.

Tuesday, March 2, 2010

Ball Bearing Information

Ball bearings are used in virtually every type of machine, motor and transportation mode. They are one of several types of rolling bearing that include cylindrical roller bearings and tapered roller bearings. Ball bearings can handle moderate radial and thrust loads and extremely high shaft velocities. Ball bearings come in every size from tiny for watches and other instruments to enormous for huge construction equipment. Their versatility, reliability and relatively low cost make them the most popular of all rolling bearings.

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Bearing Types
There are two basic types of mechanical bearings used in machinery: sleeve bearings and rolling bearings. Bronze sleeve bearings are simple and inexpensive, but tend to be limited in the shaft velocities they will support. They also have considerable coefficients of friction that may consume a large proportion of the energy available to turn the shaft. Ball bearings, however, are almost limitless in the velocities they will tolerate as long as their lubrication is sustained.

Bearing Components
Ball bearings consist of three main sections, all of which are uniform and hardened for long wear: The inner bearing race fits snugly on the turning shaft. The outer race is a collar that fits snugly inside the bearing holder bore. Finally, there is a single or double row of uniform balls that may be touching one another or spaced at intervals between inner and outer races and retained by a ball cage. These bearings will last almost indefinitely if sealed, kept very clean and lubricated with a high film strength bearing lubricant.

Applications
Ideal applications for ball bearings are industrial machines that present both radial and axial loads, and moderate to high shaft velocities. On vehicles, they are preferred for moderate load bearings for motors, gear cases, and turbochargers. Modelers often use miniature ball bearings to extract the most performance from their cars, boats and planes.

Making Ball Bearings
The secret of caged ball bearing making is that the inner race is first inserted inside the outer race, and pushed to one side so it contacts the outer race. The balls are inserted into the large gap on the opposite side until about half of the space is filled. Then the balls are evenly interspersed and subsequently retained by stamped metal cages, making the inner and outer races concentric. The cage halves are then riveted together and the bearing seals, if any, added. This assembly configuration is the Conrad method and is by far the most widely used because of the ability of the finished bearing to handle both radial and axial or thrust loads. Other less-used methods are slot fill and split race which allow a higher ball density, but compromise axial loads.

Variations
Single row deep groove ball bearings are the most common, followed by double row, and self-aligning. Bearings may be shielded, sealed or double sealed. Some have grease fittings, some come permanently lubricated, and in the case of turbochargers, are continuously pressure lubricated with motor oil.

How Are Ball Bearings Assembled?

Parts
A finished ball bearing is comprised of four parts, which are manufactured separately before being assembled together--the inner race, the outer race, the balls and the cage.

Races
The inner race and outer race are the easiest parts to make, each consisting of a simple cylinder of steel. They are cut from steel pipes, a narrow band which is then smoothed and heat treated. The outer race is larger than the inner race, so that when the inner race is fitted within the outer, there is enough room for the balls to fit in between them.

Balls
The balls are formed from cut wire, which is shaped in a spherical press. The imperfections are smoothed and the balls are heat treated.

Cage
The cage is the mechanism that holds the balls in place in between the inner and outer race. It consists of one frame for each ball in the ball bearing assembly. In a metal cage, the frames are created separately and then fused together. In a plastic cage, they are formed with one mold.

Assembly
The balls are placed inside the cage and the outer race, and then the inner race is inserted into the middle. The balls, held in place by the cage, each have one point of contact with the outer race and one point of contact with the inner race.

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