Indians over time have come up with great idea and one of them worth mentioning is getup4change. This website allows you to post your RTI queries to the owners/moderators of the website. As many are unaware of proper formatting while posting RTI queries, the team will help draft and file your RTI queries hiding your identity. The recent attacks on RTI activists might be the clicking point for them to come up with this website.
This website thrives on donation and please be humble giving donations.
Tuesday, November 8, 2011
Nasal decongestants
The default name that we may recall for de-congesting nose is Otrivin. Otrivin has been promoting its ad and it seems it may be earning good revenue given its price of 52 rs for 10 ml nasal spray bottle. However, there are other cheaper alternatives in market that has the same chemical ingredients and effective. Below are some of them and there prices for 10 ml bottle:
- Nasivion - 46 rs
- Synox - 32 rs
Alternative to eating apple?
I don't who devised the saying 'An apple a day keeps doctor away'. All I can guess is he might be marketing expert promoting apples of Jammu Kashmir. If you compare the nutritional facts of apple with amla, you will find that amla is lot more better than apple and lot more cheaper than buying apples @ 120 rs per kg (4-5 pieces).
Compare apple with gooseberry (amla) in this comparison chart.
Apple is good for taste but if you want to live healthy economically then amla turns out to be better option. You can have apple once in a while.
Compare apple with gooseberry (amla) in this comparison chart.
Apple is good for taste but if you want to live healthy economically then amla turns out to be better option. You can have apple once in a while.
Monday, November 7, 2011
Who comes after A. R. Rehman?
As far as bollywood music goes, everyone knows who A. R. Rehman is. However, I often ask myself question who is the next music composer after Rehman. I got a hint after hearing music of film 'Aamir' and was sure after hearing 'Dev-D'. These two albums have unconventional music and I am sure bollywood has got a very good music composer named Amit Trivedi.
Amit Trivedi has proved his versatility by giving music of different genre like the one in Aamir, Dev-D and Chillar Party. He is also a singer himself. Many of his songs have been hit among masses like 'Emotional Atyachar', 'Tai Tai Phiss'. I am awaiting his new albums.
Amit Trivedi has proved his versatility by giving music of different genre like the one in Aamir, Dev-D and Chillar Party. He is also a singer himself. Many of his songs have been hit among masses like 'Emotional Atyachar', 'Tai Tai Phiss'. I am awaiting his new albums.
Money in savings account vs fixed deposit
RBI has been hiking REPO and Reverse REPO rates and that has brought smile to individual account holders. Due to rising REPO and Reverse REPO rates, bank in turn have hiked deposit and loan interest rates. And it is upto us to take advantage of this fact.
If your money is lying in savings bank account, then it would not be earning more than 4% per annum which is meagre compared to fixed deposit (FD) rates which are approximately 9.5% pa. What can you do to take advantage of these rate hikes?
You can park your money in FD accounts. As the rates of FD are fluctuating you can open an FD for shorter duration like 2 months. This will give you flexibility of withdrawing funds after 2 months. And if rates still increase, you can then park your funds with FD giving more interest rates.
You should not stick with opening FD with only your bank because your bank might not be the best bank in the town providing attractive interest rates for FD.
Some nationalized banks are offering FD interest rates as high as 8.5% pa for even shorter duration like 1 month. One of such banks is Corporation Bank.
Lets take an example of 2 lakh rupees lying in your savings bank account vs putting the same in FD for 1 month:
Interest earned:
Saving bank account: 2 lakh * 4 / 12 / 100 = 666.66 rs
FD account: 2 lakh * 8.5 / 12 / 100 = 1416.66 rs
As you can see, it makes a lot of difference in the interest you get. Moreover, it doesn't take much documentation to open an FD. It is simple. You generally need these documents to open an FD:
1. ID proof
2. Address proof
3. PAN copy
4. Photograph(s)
Some banks have started online facility for applying for FD. However, they might not be giving the best FD rates like SBI gives 7% pa for 1 month duration. Compare it with Corporation bank which gives 8.5% pa for 1 month. However, the latter doesn't provide online facility for applying in FD.
If your money is lying in savings bank account, then it would not be earning more than 4% per annum which is meagre compared to fixed deposit (FD) rates which are approximately 9.5% pa. What can you do to take advantage of these rate hikes?
You can park your money in FD accounts. As the rates of FD are fluctuating you can open an FD for shorter duration like 2 months. This will give you flexibility of withdrawing funds after 2 months. And if rates still increase, you can then park your funds with FD giving more interest rates.
You should not stick with opening FD with only your bank because your bank might not be the best bank in the town providing attractive interest rates for FD.
Some nationalized banks are offering FD interest rates as high as 8.5% pa for even shorter duration like 1 month. One of such banks is Corporation Bank.
Lets take an example of 2 lakh rupees lying in your savings bank account vs putting the same in FD for 1 month:
Interest earned:
Saving bank account: 2 lakh * 4 / 12 / 100 = 666.66 rs
FD account: 2 lakh * 8.5 / 12 / 100 = 1416.66 rs
As you can see, it makes a lot of difference in the interest you get. Moreover, it doesn't take much documentation to open an FD. It is simple. You generally need these documents to open an FD:
1. ID proof
2. Address proof
3. PAN copy
4. Photograph(s)
Some banks have started online facility for applying for FD. However, they might not be giving the best FD rates like SBI gives 7% pa for 1 month duration. Compare it with Corporation bank which gives 8.5% pa for 1 month. However, the latter doesn't provide online facility for applying in FD.
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