സ്ത്രീകള്‍ എങ്ങിനെ വസ്ത്രം ധരിക്കണം എന്ന് പുരുഷന്‍ നിഷ്ക്കര്‍ഷിക്കുന്നത് ശരിയോ? അല്ലെങ്കില്‍ തിരിച്ചും?

Monday, July 04, 2011

IPO Examination to be held on 6th&7th August2011

Examination for promotion to the cadre of Inspector Posts for the year 2010 to be held on 6th & 7th August 2011

As per DG, Posts letter No.A-34012/02/2010-DE dated 16-03-2011, the examination for promotion to the cadre of Inspector Posts for the year 2010 will be held from 6th to 7th August 2011. The examination will be held for the vacancies of the year 2010. There are no vacancies in the cadre IP for the year 2010 in Kerala Circle.

The revised Pattern & syllabus for Limited Departmental Competitive Examination for the post of Inspector of Posts communicated vide DG, Posts letter No.7-14/2011-SPB-II dated 9th March 2011 has already been circulated vide Circle office letter No. Rectt/48-1/Rlgs dated 16th March 2011.

Eligibility condition:

(a) Not less than five years of regular service in the grade of Postal/Sorting Assistants, Lower Selection Grade officials, Stenographers in:

- Post offices, Railway Mail Services

- Postal/Railway Mail Service, Divisional offices, Circle Office

- Foreign post

- Returned Letter Offices

- Postal Stores Depots

- Savings Bank Control Organization

- Internal Check Organization of the Circle.

(b) (i) Not less than five years regular service in Postal Accounts Office in the grade of:

- Stenographers,
- Junior Accountants:

Provided that they may opt for appearing in the Inspector Posts line in case of selection while appearing in the Inspectors Examination.

(b) (ii) Not less than nine years regular service in the grade of Lower Division Clerks in Postal Accounts Office

Provided that they may opt for appearing in the Inspector Posts line in case of selection while appearing in the Inspectors Examination.

© Postal Assistant and/or Junior Accountant with 5 years regular service is eligible to Departmental Examination of Inspector of Posts.

3. Age limit

The applicant should not be over 40 years of age as on 01-07-2010. Relaxation of Upper age limit is permissible as indicated below:


(i) SC/ST: 5 years i.e. the age should not exceed 45 years as on 1.7.2010

(ii) In respect of officials who are on deputation to APS and officials who have served in APS, the period of service rendered in the APS will be reduced from their age for the purpose of upper age limit.

4. Number of chances:

(i) A candidate is allowed a maximum of four (4) chances to appear in the examination provided that those candidates who secure more than 70 % aggregate marks in the 4th chance may be allowed one more chance as a special case and provided further that a candidate belonging to SC/ST may, subject to his eligibility, be allowed a maximum of six (6) chances to appear in the examination provided further that the said candidate shall, if he is successful in the examination on his 5th or 6th chance be entitled to be appointed only to a post reserved for the SC/ST as the case may be.

(ii) The following concessions are admissible to officials who are serving or have served in the Army Postal Service.

(a) The period of service rendered in the Army Postal Service will be deducted from their age for purposes of the upper age limit.


(b)
If they have not already availed themselves of the maximum number of chances before joining the Army Postal Service, they will be allowed to have a maximum of two chances while serving in Army Postal Service, which will not be counted against the maximum number of four chances admissible.

5. Ability to ride a bicycle:

The applicant should be able to ride a bicycle. If the applicant is unable to ride a bicycle at the time of application, he will be given two months time to learn it after he has been selected. If he fails to learn it within two months his name will be removed from the approved list.

6. Submission of application by willing candidates:

(i) Application from willing candidates may please be obtained from 1st July 2011 onwards on plain paper (specimen enclosed) with his service details to decide his eligibility by Divisional office /Regional Office/Circle Office/Controlling units. Receipt of such application form at Circle Office is fixed on 11-07-2011


(ii)
In respect of applicants working in the Office of the Chief Postmaster General, RLO Trivandrum and Office of the Postmaster General Kochi/Kozhikode the applicants may submit the applications to the Asst.Director (Rectt) , Office of the Chief Postmaster General, Kerala Circle, Trivandrum- 695 033 on or before 11-07-2011

(iii) The applications in respect of willingness of candidates received should be forwarded to this office duly checked, so as to reach this office on or before 11-07-2011. The fact of recommendation/Non recommendation should be mentioned in the application under the signature of the Divisional Superintendent etc. The word Recommended/Not Recommended should be scored out accordingly and in the case of non-recommendations the reason therefore in respect of each of the official should be furnished in the forwarding letter/statement. If no application is received a Nil report may be sent. The last date for receipt of application by Heads/Units shall be 08-07-2011. If no report is received by 11-07-2011 it will be presumed that there are no applications from that unit.


7. The Application Form kits will be issued to the eligible candidates on receipt of willingness from the eligible candidates.

8. Concessions to officials serving in APS.

The concessions regarding absorption as Inspector Posts on certain conditions in respect of candidates serving in the APS who secure minimum qualifying marks will continue as may be decided by the Central Government, from time to time.


9. It is noticed that quite a large number of officials request for withdrawal of candidature under one or other reasons. These are received months after the exam. In future, such applications received will be considered only if they satisfy the conditions in Rule 279 (5) of Postal Manual Volume IV (Pt-1).


APPLICATION TO BE SUBMITTED BY WILLING CANDIDATES FOR ADMISSION TO THE EXAMINATION FORTHE INSPECTOR OF POSTS - 2010


1

Name of the Applicant

(In Block letters)


2

Date of Birth and Age

(As on 1/7/2010 in Christian Era)


3

Whether SC/ST. If reply is `Yes` indicate the name of the Caste/Tribe


4

Educational Qualification


5

Whether you are Ex-Servicemen?


6

Have you served in the APS? If so furnish details

From To

7

Are you now serving in APS?

If reply is yes, date from which serving


8

Date from which continuously working as PA/SA/LDC/LSG and the name of the office where working at present

Postal Assistant from……….

Sorting Assistant from……….

LDC……….. Office from……… UDC ………. Office from…….. LSG…………Office from………

9

Date of appointment to a departmental

Post in the P&T Department and the name of the cadre thereof.

Appointed as………………..

From…………………………….

10

Date from which pmt/QP & the name of cadre thereof

Pmt/QP in the……………….

w.e.f ………………..

11

Have you appeared for the IPO/IRM Examination previously, If so furnish details such as year of Examination and Roll No while in Civil Services & APS Services separately

1.…………..Exam Roll No…………..

2…………….Exam Roll No…………..

3…………….Exam Roll No……………

12

Do you wish to answer any paper(s)

in Hindi


13

Can you ride Bicycle?


I…………………………………………………………………..hereby declare that the information furnished above is true to the best of my knowledge and belief.

Place.

Date.

Signature of candidate

The information furnished against questions 2 to 10 have been verified and found correct/corrected.

Place.

Date.

Signature of authority maintaining Service Book

The information furnished against question 11 has been checked and found correct. The candidature of the applicant is Recommended/Not Recommended.

(Signature of)

Divisional Supdt/Supdt. PSD/CSD/

Asst.Director CO/RO

Saturday, July 02, 2011

What is differances between EPF,GPF and PPE ?

EPF / GPF / PPF

EPF- Employees Provident Fund
GPF - General Pension Fund
PPF - Public Provident Fund

GPF - General Provident Fund which is for the Government Employees
PPF - Individuals can save to a maximum of Rs.70000/- in a year in the account. Account can be maintained in a Post Office.
EPF - Employees Provident Fund for Private sector where 12% of Employees share and 12 % of Employer's share of Basic Salary + DA is deducted and remitted to PF Authorities

PF vs PPF: What's the difference ?
1. What is PPF and PF?
EPF/ PF (Employees Provident Fund / Provident Fund)
The Employee Provident Fund, or provident fund as it is normally referred to, is a retirement benefit scheme that is available to salaried employees.

Under this scheme, a stipulated amount (currently 12%) is deducted from the employee's salary and contributed towards the fund. This amount is decided by the government.
The employer also contributes an equal amount to the fund.
However, an employee can contribute more than the stipulated amount if the scheme allows for it. So, let's say the employee decides 15% must be deducted towards the EPF. In this case, the employer is not obligated to pay any contribution over and above the amount as stipulated, which is 12%.
PPF (Public Provident Fund)
The Public Provident Fund has been established by the central government. You can voluntarily decide to open one. You need not be a salaried individual, you could be a consultant, a freelancer or even working on a contract basis. You can also open this account if you are not earning.
Any individual can open a PPF account in any nationalised bank or its branches that handle PPF accounts. You can also open it at the head post office or certain select post offices.
The minimum amount to be deposited in this account is Rs 500 per year. The maximum amount you can deposit every year is Rs 70,000.

2. What is the return on this investment?
EPF: 8.5% per annum
PPF: 8% per annum

3. How long is the money blocked?
EPF
The amount accumulated in the PF is paid at the time of retirement or resignation. Or, it can be transferred from one company to the other if one changes jobs.
In case of the death of the employee, the accumulated balance is paid to the legal heir.
PPF
The accumulated sum is repayable after 15 years.
The entire balance can be withdrawn on maturity, that is, after 15 years of the close of the financial year in which you opened the account.
It can be extended for a period of five years after that. During these five years, you earn the rate of interest and can also make fresh deposits.
Save tax and get rich

4. What is the tax impact?
EPF
The amount you invest is eligible for deduction under the Rs 1,00,000 limit of Section 80C.
If you have worked continuously for a period of five years, the withdrawal of PF is not taxed.
If you have not worked for at least five years, but the PF has been transferred to the new employer, then too it is not taxed.
The tenure of employment with the new employer is included in computing the total of five years.
If you withdraw it before completion of five years, it is taxed.
But if your employment is terminated due to ill-health, the PF withdrawal is not taxed.
PPF
The amount you invest is eligible for deduction under the Rs 1,00,000 limit of Section 80C.
On maturity, you pay absolutely no tax.

5. What if you need the money?
EPF
If you urgently need the money, you can take a loan on your PF.
You can also make a premature withdrawal on the condition that you are withdrawing the money for your daughter's wedding (not son or not even yours) or you are buying a home.
To find out the details, you will have to talk to your employer and then get in touch with the EPF office (your employer will help you out with this).
PPF
You can take a loan on the PPF from the third year of opening your account to the sixth year. So, if the account is opened during the financial year 1997-98, the first loan can be taken during financial year 1999-2000 (the financial year is from April 1 to March 31).
The loan amount will be up to a maximum of 25% of the balance in your account at the end of the first financial year. In this case, it will be March 31, 1998.
You can make withdrawals during any one year from the sixth year. You are allowed to withdraw 50% of the balance at the end of the fourth year, preceding the year in which the amount is withdrawn or the end of the preceding year whichever is lower.
For example, if the account was opened in 1993-94 and the first withdrawal was made during 1999-2000, the amount you can withdraw is limited to 50% of the balance as on March 31, 1996, or March 31, 1999, whichever is lower.
If the account extended beyond 15 years, partial withdrawal -- up to 60% of the balance you have at the end of the 15 year period -- is allowed.

Courtesy : rediff.com & CENTRAL GOVERNMENT EMPLOYEES NEW

List of Holidays during the year2011for Central Goverment Employees

The Text of OM No. 12/3/2011-JCA 2 dated 27-6-2011 is reproduced below :
F.No.12/3/2011-JCA-2
Government of India
Ministry of Personnel, Public Grievances and Pensions
(Department of Personnel and Training)North Block, New Delhi
Dated the 27th June, 2011
Subject: Holidays to be observed In Central Government Offices during the year 2012.
It has been decided that the holidays as specified in the Annexure —I to this O.M. will be observed in all the Administrative Offices of the Central Government located at Delhi/New Delhi during the year 2012.
In addition, each employee will also be allowed to avail himself/herself of any two holidays to be chosen by him/her out of the list of Restricted Holidays in Annexure — II.
2. Central Government Administrative Offices located outside Delhi / New Delhi shall observe the following holidays compulsorily in addition to three holidays as per para 3.1 below:
1. REPUBLIC DAY
2. INDEPENDENCE DAY
3. MAHATMA GANDHI’S BIRTHDAY
4. BUDHA PURNIMA
5. CHRISTMAS DAY
6. DUSSEHRA (VIJAY DASHMI)
7. DIWALI (DEEPAVALI)
8. GOOD FRIDAY
9. GURU NANAK’S BIRTHDAY
10.IDU’L FITR
11.IDU’L ZUHA
12.MAHAVIR JAYANTI
13.MUHARRAM
14.PROPHET MOHAMMAD’S BIRTHDAY (ID-E-MILAD)

3.1. In addition to the above 14 Compulsory holidays mentioned in para 2, three holidays shall be decided from the list indicated below by the Central Government Employees Welfare Coordination Committee in the State Capitals, if necessary, in consultation with Coordination Committees at other places in the State. The finai list applicable uniformly to all Central Government offices within the concerned State shall be notified after seeking prior approval of this Ministry and no change can be carried out thereafter. It is also clarified that no change is permissible in regard to festivals and dates as indicated.
1. AN ADDITIONAL DAY FOR DUSSEHRA
2. HOLI
3. JANAMASHTAMI (VAISHNAVI)
4. RAM NAVAMI
5. MAHA SHWRATRI
6. GANESH CHATURTHI / VINAYAK CHATURTHI
7. MAKAR SANKARANTI
8. RATH YATRA
9. ONAM
10. PONGAL
11. SRI PANCHAMI / BASANTA PANCHAMI
12. VISHU / VAISAKHI / VAISAKHADI / BHAG BIHU / MASHADI UGADI / CHAITRA SAKLADI / CHETI CHAND / GUDI PADA 1st NAVRATRA / NAURAJ/CHHATH POOJA/KARVA CHAUTH.
3.2 No substitute holiday should be allowed if any of the festival holidays initially declared subsequently happens to fall on a weekly off or any other non working day or in the event of more than one festivals falling on the same day.
4. The list of Restricted Holidays appended to this O.M. is meant for Central Government Offices located in Delhi / New Delhi. The Coordination Committees at the State Capitals may draw up separate list of Restricted Holidays keeping in view the occasions of local importance but the 9 occasions left over, after choosing the 3 variable holidays in para 3.1 above, are to be included in the list of restricted holidays.
5.1 For offices in Delhi / New Delhi, any change in the date of holidays in respect of Idu’l Fitr, Edu’l Zuha, Muharram and Id-e-Milad, if necessary, depending upon sighting of the Moon, would be declared by the Ministry of Personnel, Public Grievances and Pensions after ascertaining the position from the Govt. of NCT of Delhi.
5.2 For offices outside Delhi / New Delhi, the Central Government Employees Welfare Coordination Committees at the State Capitals are authorised to change the date of holiday, if necessary, based on the decision of the concerned State Governments / Union Territories, in respect of ldu’l Fitr, Idu’l Zuha, Muharram and ld-e-Milad.
5.3 It may happen that the change of date of the above occasions has to be declared at a very short notice. In such a situation, announcement could be made through T.V. / A.I.R. / Newspapers and the Heads of Department / Offices of the Central Government may take action according to such an announcement without waiting for a formal order, about the change of date.
6. During 2012, Diwali (Deepavali) falls on Tuesday, November 13, 2012 (Kartika 22). In certain States, the practice is to celebrate the occasion a day in advance, i.e., on ‘Narakachaturdasi Day”. In view of this, there is no objection if holiday on account of Deepavali is observed on "Naraka Chaturdasi Day (in place of Deepavali Day) for the Central Government Offices in a State if in that State that day alone is declared as a compulsory holiday for Diwali for the offices of the State Government.
7. Central Government Organisations which include industrial, commercial and trading establishments would observe upto 16 holidays in a year including three national holidays viz. Republic Day, Independence Day and Mahatma Gandhi’s birthday, as compulsory holidays. The remaining holidays / occasions may be determined by such establishments / organisations themselves for the year 2012, subject to para 3.2 above.
8. Union Territory Administrations shall decide the list of holidays in terms of Ministry of Home Affairs letter No.14046/27/83- GP-I dated 15.2.1984 by which they would observe a total of 16 holidays including the three National Holidays Viz. Republic Day, Independence Day & Mahatma Gandhi’s birthday.
9. in respect of Indian Missions abroad, the number of holidays may be notified in accordance with the instructions contained in this Department’s O.M. No.12/5/2002-JCA dated 17th December, 2002. In other words; they will have the option to select 10(Ten) holidays of their own only after including in the list, three National Holidays and Milad-un-Nabi or Id-E-Milad, Buddha Purnima, Idu’l Zuha (Bakrid) and Muharram included in the list of compulsory holidays and falling on days of weekly off.
10. In respect of Banks, the holidays shall be regulated in terms of the extant instructions issued by the Department of Financial Services, Ministry of Finance.
11. Hindi version will follow.
sd/-
(DINESH KAPILA)
Director (JCA

Source : GConnect


05-07--2011 Strike Deferred

Gist of settlement & Charter of Demands


Orders on the Charter of Demands



Click here for orders on Dema

Model Questions for IPO Examination-FHB Part 1 Question No 67-86

Q67 The amount received on account of premium of PLI , repayment of loan should be accounted under ---------------------- head

a. PLI Annuity Fund b. Postal Insurance and Life Annuity Fund Receipts c. PLI receipts account
Q68 The financial Powers delegated by the President of India to Various officers of the department is called as
a. Rules of financial power b. Schedule of financial Powers c. None of these
Q69 What is mentioned in rules 42-A , General Financial Rules ?

a. Creation of Temporary Posts b. Retrospective Sanction for revision of Pay and grant of Concessions c. Lapse of Sanction
Q70 The appointing authority can create posts on the basis of anticipation
The above said action
a. incorrect b. Correct

Q71 Government promissory notes received for safe Custody must record at -------------- in a register in Form Sec 19

a. Once b. Twice c Once in a month
Q72 Security deposits of Government Servants are --------------- from commission
a. not exempted b. exempted
Q73 Fidelity bond in form GPR -34 has been accepted from

a. Public b Government Servants c. Both
Q74 What is the purpose of Preparation of Form ACG 69 ?

a. Register of all Assets b. Register of Land and building c. Register of expenditure
Q75 What is the purpose of preparation of correction slip and when it will prepared ?

a. record revenue and capital , Quarterly

b intimation of addition /modification of land and building to circle office , end of the year

c record the asset details , monthly preparation
Q76 When will Pre Audit of Estimates is applicable
a . on estimates of work of Government department executed through
Civil wing
b . The amount incurred for work is very high
c Both cases
Q77 While making the payment of amount which is due for civil work to government agencies , the full amount can be paid
The above statement is
a. True b. False
c. Subject condition and considering the circumstance , the advance payment of full amount shall be drawn

Q78 When will stop the recovery of GPF concerned the official due to retire on superannuation ?

a. One month before retirement b. Two month before retirement
c. Three month before retirement
Q79 Recovery of Cooperative Society Dues are mentioned in

a. Rule 561 of FHB 1 b Rule 559 of FHB I c. None of these
Q80 From the following official records which have more preservation period
a. Cash Books b. Arrear Claims c. Service Books
( 10 years )

Q81 What is the preservation period of Pay Bill Register ?

a. 10 years b . 20 Years c. 35 years

Q82 From the following records , which record is permanent One ?
a. Service Book b. Stock Book c. Register of particulars of accounts records destroyed

Q83 From the following records special sanction is needed for destruction from Head of circle
a. Bill Register b. Memo of Disbursement c. Sub Office Saving Bank Journal
Q84 When subscriber dies while in service and nominee is minor
Then who will collect due amount from GPF ?

a. minor b natural guardian of minor c None of these
Q85 The Procurement officer is belong from ------------ department

a. Central Purchase organization b. Telecom department b Postal Department
Q86 The Term FRAC is related with -----------------

a. Rent assessment of PO building b. Maintenance of departmental Building c. Audit department
Prepared by : S. Jayachandran , SA , Divisional Office , Mavelikara -690101
Mobile : 9961464279 http://nfpemavelikaradivision.blogspot.com

Friday, July 01, 2011

Email to SMS FAQ's

What is e-mail?
Email is an abbreviated form of electronic mail. Email is usually sent from a computer to another computer via Internet (over world wide web/www). Email users can send text, pictures, sound or videos to each other using this service. Using some high End mobiles or Blackberry activated with GPRS users can also send/receive emails on/from their Mobiles.
What is SMS?
SMS stands for Short Messaging Service. It is the technology that enables the sending and receiving of text between mobiles. It can hold data up to 160 characters if 7-bit character encoding is used (Latin characters like English) or 70 characters if 16-bit Unicode USC2 character encoding is used (Non Latin characters like Chinese, Hindi etc). Today 100% GSM (Global System for Mobile Communication) mobiles and CDMA (Code Division Multiple Access) mobiles support SMS services.

What does Pocket mail do?
Pocket Mail makes it possible for you to receive your mails on your mobile as SMS. It is also used for sending our mail through mobile without use of GPRS.
Do I need GPRS to avail this facility?
There is no need of GPRS, because it is fully SMS based service.
Do I need to have a high end handset to avail this facility?
There is no need of high end mobile handset because it is completely sms based service. So the handset which is able to receive sms (CDMA/GSM) is sufficient for this service (100% handset is capable for avail this service).
Will I receive SPAM via this service?
NO, you will receive mail account’s inbox messages only.
What I need to do when I receive any email?
It is similar as you get your SMS on your mobile. You can read it as sms.
What I need to do when I want to send an email?
You compose the mail in the format of abc@example.com [text message] and send it to short code (BSNL 5 digit short code) 56688.
What if I receive a long email?
In the case of long email, you will receive single long SMS each having multiple of 160 characters of mail only.

What if I get any attachment or Pictures in my email?
Since the service is completely based on sms, you will not be able to receive any attachment or picture. You may receive the information that you have received any attachment in your Email.
Where do I need to register for availing this facility?
Send “subemail” to 56688 to register for this service.
How can I configure my email?
Configuration of email through Pocket mail is one time forward setting which set by user from his/her mail account setting .
What if I have more than one email ids?
At one time you can register for one email Id only. If you wish to register for other email Ids then you have to register them separately.
What if I want to receive certain particular email on my mobile?
There is a facility of mail filter where you can choose only those email ids from which you want to receive email.
What if I relocate?
You are also in the mode of receiving SMS, so you can receive mail on your mobile number.
After signing up, what could be the reason if I don’t start receiving my email on my mobile?
Only your account has been expired because of non payment.

G link-Send mails through Gmail


Glink is the tool created by Shivram, SA for sending email with or w/o attachment directly without accessing gmail site.With lot of limitations,this tool may find useful to you in your office/personal use.



This tool contains :1.Glink exe and 2. Contacts.ini file.Copy both these files to your PC and create a shortcut for Glink to the Desktop.Edit the Contacts.ini file as per your need. Do not add "@gmail.com" suffix to any ids.You can add up to 30 email ids.The Sender name in the ini file must be your name.You can however change the name when using the exe.Contacts.ini file

In the Login screen, type your gmail id. Press Enter. Please note that the ID should not contain@gmail.com. Then type the Password of your google ID. Press Enter or click Sign in. If you do not continue, you can click exit which closes the application.In the next Window,the name of the Sender will appear as per the configuration done in Contacts.ini.You can change here itself if desired. Select the to ID. You can also type any id here.Mention the Subject.Attachment is not mandatory.If attachment is there, then click Browse button.Select the required file. Any file permissible by Google can be attached. Click Send button. If all the inputs are correct, Message will be sent. When the "Message sent" message appears, click OK. Now you can send the same message to other IDs also simply selecting the ID and clicking Send button.

Click the below button to download Glink.

How to Setup Netgear or Any Wirless Router Network

Modern communication relies heavily on Wireless Networking and it is therefore gaining popularity for Home and Business Networking. Wireless Networking offers the advantage of mobility and eliminates the use of cables. Computers at home or in a small office can easily be connected through Wireless Networking.

Setting up a secured network through a Netgear or any Router will keep your data free from spying and avert entry of any uninvited user into your network. You will have to follow certain guidelines to set up a Secured Wireless Network that will be provided either through Wireless Protected Array (WPA) or Wireless Encryption Protocol (WEP).

GUIDELINES
Connect to Modem
Power off your modem.
Connect one end of the Ethernet Cable to the ‘input’, marked at the backside of the router and other end to the modem.

Power Modem back on.
Generally it is a good rule to wait at least a minute before continuing to the next step.
Connect to Computer
· Connect one end of a second Ethernet Cable to one of the available ports on the Router. Most modern Routers include four ports.
Power your Router
· Plug your Router to a power source and wait till until your Router’s LED signals that it is connected to the internet. Generally Routers have a green LED indicator that turns solid when connected.
Install Software and Drivers
· If your Router included a disk to install Drivers, insert disk and continue following the disks instructions to install Drivers and set up your Network.
· If your Router does not include a disk continue to next steps.

Configure your Network
· Take note of the Router’s IP address that is selected automatically (default) and mentioned in the user’s guide. Most Routers by default use, http://192.168.1.1 as the default IP address
· Open your default web browser and type in the router’s address in the provided empty search field.
· Insert a valid Username and Password. If you have not set one up and it requires one, the default for most brands of Routers is, Username: Admin, Password: Password.
· You can also get to your Routers (Homepage) by going to Start Menu\Control Panel\Network and Sharing Center. Click the center icon at top, which usually has the house as an icon if you saved your Network as a Home Network. On the next page under Network Infrastructure you should see your Router listed. Just Right-Click your Router Icon and you should have a menu option to view Homepage.
Basic settings
· Choose your Basic Settings such as Router Name, and IP Addressing
· Locate Wireless Security or Wireless Settings. Choose a name(SSID) for your Network that you can easily identify and whether you wish to broadcast your Wireless Signal.
· Select channel to broadcast on, by default a Router usually has this set to Auto which is fine for most users.
· Select Wireless Mode. This is your speed for your wireless. Example: 54Mbps, 145Mbps and 300Mbps.
For your Wireless Security settings, most modern Routers include the following types of security:
· None – No security. Not recommended if you are in an area where someone who lives next door to you could use your Wireless Connection to connect to the Internet.
· WEP – Older security encryption used for Wireless Networks with better options now available. This option does not give a password but a unique key that users enter to connect.
· WPA-PSK[TKIP] – Better security than WEP and sometimes users still use this if they have issues with devices connecting. Still a great Security Option. There is a 54Mbps limit on this connection using Legacy G.
· WPA2-PSK[AES] – Newer security using N support and if you have no issues with devices connecting this is the recommended Security Option as it gives you the best security.
· WPA-PSK[TKIP]+WPA2-PSK[AES] – If you have issues with devices connecting you can use this setting as it gives you a combination of WPA and WPA2.
Another thing to note outside of setting up your Router is setting up Sharing for Computers and Devices connected to your Network. Windows 7 has come along way in making this easier for users and most users can do this by following the walk-through in Windows.

A Personal Finance Checklist for Newly Weds

Finance Checklist

Getting married is one of the most important events in your life. There is so much to consider—the flowers, the jewel, the dress, the venue, the photography—the list goes on. Once you are back from the honeymoon, the daily life of marriage begins and also begins the challenges of managing the finances of a new household with your spouse.
In recent studies, many couples ranked financial matters as one of the most essential factors when it comes to happiness in a marriage. It is one of the key factors causing marital stress.

Money Compatibility

First thing to do is to check how compatible you and your spouse in money management. You may be conservative and your spouse may be aggressive. You may think that the best place to invest is stock market and your spouse may think bank FDs.

You should communicate your money management style to your spouse as well as you need to understand the money management style of your spouse. Both of you need to analyse the merits and demerits of money management style of each other and their own. Then you need to create a mutually agreed combined money management style.

This will be vital to you both throughout your married life to help minimize stress from disagreements about money.

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