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

Tuesday, September 22, 2015

Differences and Similarities Between PMSBY & PMJJBY







The two social security schemes – Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) which were launched recently under Jan Suraksha Yojana has been overwhelming. The number of accounts opened under both these schemes has been over 5 crore. Although both these schemes are different yet simple to understand, there are few differences and similarities as displayed in the table below:
So as you can see with low premium comes low claim amount. But still everyone should buy these policies especially poor people who cannot afford high premiums asked by other insurance companies in the market. In case of your absence, your family member will can benefit from this money, although small.
In India, above 70% people do not have any insurance policy. Considering the situation, these two schemes were launched
Courtesy : http://www.allonmoney.com/

Thursday, September 10, 2015

SCHEME OF ‘LIC GOLDEN JUBILEE SCHOLARSHIP’ FOR STUDENTS BELONGING TO THE ECONOMICALLY WEAKER FAMILIES FOR PURSUING HIGHER STUDIES.



1.      OBJECTIVE
The objective of the scheme is to award scholarships to meritorious students belonging to economically weaker families so as to provide them better opportunities for higher education and thus enhance their employability.

2.      SCOPE
The scholarship is to be awarded for studies in India in a government or private college/university. It will also cover technical and vocational courses in Industrial Training Institutes/ Industrial Training Centres affiliated with the National Council for Vocational Training (NCVT) of classes at Graduation level.
3.      ELIGIBILITY
Students who have passed Class XII exam or its equivalent in the Academic Year 2013-14 and are interested to pursue higher education in the field of

i) Medicine, Engineering, Graduation in any discipline, Diploma Course in any field or other equivalent courses.

ii) Vocational Courses through Government recognized Colleges/Institutes or courses in Industrial Training Institutes (ITI).

For i) above Candidates who have passed Class XII exam or equivalent in the Academic year 2013-14 with at least 60% marks or equivalent grade and annual income of whose parents/guardian from all sources does not exceed ` 1,00,000/- per annum.

For ii) above The basic educational qualification is relaxed to Class X or equivalent with at least 60% marks in the Academic year 2013-14 subject to income ceiling of parents/guardians.
4. DURATION
Scholarship shall be provided for the entire duration of the course subject to the candidate fulfilling the requisite eligibility conditions for renewal.
5. RATE OF SCHOLARSHIP

An amount of `10,000/- per annum will be awarded to the selected candidate which is payable in ten monthly installments of ` 1,000/- each. The Scholarship amount will be transferred to Bank Account of the selected scholar through NEFT. Therefore in case the candidate is selected for scholarship, the Bank Account details and IFSC code are compulsory.
6. CONDITIONS FOR SCHOLARSHIP
(i)   Scholarship shall be awarded to the students who have secured not less than  60% marks or equivalent grade in the previous final examination and the annual income of whose parents/guardians from all sources does not exceed `1,00,000/- per annum.

(ii)  Selection of LIC Scholar will be on the basis of merit and family background such as percentage of marks in class 12th /10th and annual income of the family. Eligible Students having the lowest income shall be given preference in the ascending order.
(iii) The candidate should secure more than 55%marks in professional streams and 50% marks in graduation courses in Arts/Science/Commerce or equivalent grade in the previous final examination of the course for which scholarship is awarded, failing which the scholarship will be discontinued.

(iv)  Scholarship shall not be given to more than one student in a family.

(v) The students should be regular in attendance for which the yardstick shall be decided by the competent authority of the school/college/university.

(vi)  Income certificate should be on self-certification basis by way of an affidavit on non-judicial stamp paper for self-employed parents and from employer for employed parents supported by documents (from revenue department) such as land held in the name of parents.

(vii) If a student violates any terms and conditions of the scholarship, the scholarship may be suspended or cancelled.

(viii)  If a student is found to have obtained a scholarship by false statement/certificates, his/her scholarship shall be cancelled forthwith and the amount of the scholarship paid shall be recovered, at the discretion of the concerned Divisional Administration of LIC.|
(ix) LIC Golden Jubilee Foundation will lay down the detailed procedure for processing and sanctioning of scholarships to eligible students.

(x)  The scheme shall be evaluated at regular intervals by the LICGJF.

(xi) The regulations can be changed at any time at the discretion of the Board of Trustees of LICGJF.
7. MODE OF APPLYING

ONLY ONLINE APPLICATIONS ARE TO BE SUBMITTED THROUGH THE LINK ON THE HOME PAGE. Once online application is submitted, the candidate will get acknowledgement at the email ID provided by him in his online application. Further correspondence will be made by the Divisional Office which is mentioned in the acknowledgement mail. The candidate should ensure to submit his correct email id and contact number for communication at a later date, if required. Bank Account details and IFSC code are not compulsory at this stage.

'At present our Divisional Offices are processing the online applications received from the candidates .The students will be contacted if they are shortlisted.'


Source : http://www.licindia.in/GJF_scholarship.htm
:

Cabinet approves 6% DA hike for central government employees

Central employees and pensioners' D A hiked by 6%

Cabinet approved 6% D A for central employees and pensioners with effect from 1.7.2015. With this hike total D A stands to 119% from 1st July 2015.

Release of additional instalment of Dearness Allowance to Central Government employees and Dearness Relief to Pensioners due from 1.7.2015
The Union Cabinet, chaired by the Prime Minister Shri Narendra Modi, has approved release of an additional instalment of Dearness Allowance (DA) to Central Government employees and Dearness Relief (DR) to Pensioners w.e.f. 01.07.2015. This represents an increase of 6 percent over the existing rate of 113 percent of the Basic Pay/Pension, to compensate for price rise.

This will benefit about 50 lakh Government employees and 56 lakh pensioners.

The increase is in accordance with the accepted formula, which is based on the recommendations of the 6th Central Pay Commission (CPC). The combined impact on the exchequer on account of both Dearness Allowance and Dearness Relief would be in the order of Rs. 6655.14 crore per annum and Rs.4436.76 crore in the financial year 2015-16 (for a period of 8 months from July, 2015 to February, 2016). 

The CAT Bangalore ordered that the Postman/Mailguard appointed prior to 1-1-2006 their Pay Scales also should be fixed as the Minimum entry Pay Scales not by multiple of 1.86



The CAT Bangalore ordered that the Postman/Mailguard appointed prior to 1-1-2006 their Pay Scales also should be fixed as the Minimum entry Pay Scales not by multiple of 1.86. CLICK HERE FOR DETAILS

The High Court Jodhpur upheld the order of Jodhpur CAT.On MACP





The High Court Jodhpur upheld the order of Jodhpur CAT.On MACP CLICK HERE FOR DETAILS

Absent on Strike will not be treated as dies non and no salary will be deducted in case of leave like Child Care Leave, Maternity Leave, Earned Leave, etc.



GOVERNMENT OF WEST BENGAL
FINANCE DEPARTMENT
AUDIT BRANCH
No.6649-F(P)                                                                                   
  Dated:04/09/2015
MEMORANDUM 
In this department Memorandum No. 6535-F(P) dt. 01.09.2015 it has been mentioned that no leave will be granted to any employee commencing from a date before 2nd September, 2015 and continuing thereafter excepting on the grounds as mentioned in the Memorandum No. 2013-F(P) dt. 06.03 .2012. It has also been mentioned there that in such case the entire period of absence will be treated as dies non and no salary will be admissible.
Now confusion has arisen, if this will be applicable in case of already sanctioned leave like Child Care Leave, Maternity Leave, Earned Leave etc. In this connection, attention is drawn that in the said order dt. 0l.09.2013 it has also been mentioned that absence will be treated as dies non and salary will not be admissible unless the same is covered by the grounds in Finance Department Memorandum No. 2013-F(P) dt. 06.03.2012 where one such ground is that the provision will not apply in case of employees who had been on leave continuing from before.
Now, to remove the confusion it is clarified that absence will not be treated as dies non and no salary will be deducted or treated to be inadmissible in case of leave like Child Care Leave, Maternity Leave, Earned Leave, etc. sanctioned before the date of issuance of Finance Department's order No.6535-F(P) dated 1.9.2015.

Sd/-
H. K. Dwivedi
Principal Secretary to the
Government of West Bengal
Source : http://www.wbfin.nic.in/writereaddata/6649-F(P).pdf

Saturday, September 05, 2015

ശ്രീകൃഷ്ണ ജയന്തി ആശംസകള്‍.....

ശ്രീകൃഷ്ണ ജയന്തി ദിനം സമാധാനത്തിന്റെ ദിനം ആകട്ടെ

 











ഭക്തരുടെ മനസ്സില്‍ ആഘോഷത്തിന്റെ നെയ്ത്തിരികള്‍ തെളിച്ചുകൊണ്ട് വീണ്ടും ശ്രീകൃഷ്ണ ജയന്തി. ചിങ്ങമാസത്തിലെ അഷ്ടമി രോഹിണി- കൃഷ്ണഭഗവാന്‍ പിറന്ന ജന്മാഷ്ടമി ചിങ്ങമാസത്തിലെ അഷ്ടമിയും രോഹിണിയും ചേര്‍ന്ന ദിവസമാണ് .
ലോകനന്മയ്ക്കായി മഹാവിഷ്ണു ശ്രീകൃഷ്ണനായി അവതരിച്ച ദിവസമാണ് ചിങ്ങത്തിലെ കറുത്ത പക്ഷത്തില്‍ അഷ്ടമിയും രോഹിണിയും ചേര്‍ന്ന ദിവസം. മഹാവിഷ്ണുവിന്‍റെ എട്ടാമത്തെ അവതാരമായിരുന്നത്കൊണ്ട് ശ്രീകൃഷ്ണന്‍റെ ജന്മദിവസം ജന്മാഷ്ടമിയായി അറിയപ്പെടുന്നു. ലോകത്ത് അധര്‍മ്മം കൂടുകയും ദുഷ്ട ജനങ്ങളുടെ ഭാരം ഭൂമീദേവിക്ക് അസഹ്യമാവുകയും ചെയ്തപ്പോള്‍ ധര്‍മ്മ സംരക്ഷണത്തിനും അങ്ങനെ ലോകനന്മയ്ക്കുമായാണ് ശ്രീകൃഷ്ണാവതാരം ഉണ്ടായത്.
മഹാവിഷ്ണുവിന്‍റെ പൂര്‍ണ്ണ അവതാരമാണ് ശ്രീകൃഷ്ണനും ,ശ്രീരാമനും .മത്സ്യം, കൂര്‍മ്മം, വരാഹം, പരശുരാമന്‍ എന്നിവയെല്ലാം അംശ അവതാരങ്ങളായാണ് കണക്കാക്കുന്നത്. അവ ഒരു ചെറിയ ചൈതന്യം സ്വീകരിച്ച് ഭൂമിയില്‍ വന്നു, അവരവരുടെ കര്‍മ്മം അനുഷ്ഠിച്ച് തിരിച്ചുപോയി എന്നാണ് വിശ്വാസം ..എന്നാല്‍ ജനിക്കുകയും മനുഷ്യനെപ്പോലെ ജീവിക്കുകയും മരിക്കുകയും ചെയ്ത അവതാരങ്ങളാണ് ശ്രീരാമനും ശ്രീകൃഷ്ണനും., ക്രിസ്തുവും , നബിയൂം എല്ലാം . വിഷ്ണു പൂര്‍ണ്ണ ചൈതന്യരൂപിയായി നേരിട്ട് ഭൂമിയില്‍ അവതരിച്ചത് ശ്രീകൃഷ്ണനായാണ് .മഹാഭാരത കഥയില്‍ ഗീതോപദേശം നല്‍കുന്ന ഭഗവാന്‍ കൃഷ്ണന്‍ അര്‍ജുനനെ വിശ്വരൂപം കാണിച്ചു അനുഗ്രഹിക്കുന്നുണ്ട് അതിനാല്‍ ശ്രീകൃഷ്ണ ജയന്തിയാണ് ഭഗവാന്‍ ശ്രീകൃഷ്ണന്‍റെ ഏറ്റവും പ്രധാനപ്പെട്ട ദിവസം .
ദേവകിയുടെ പുത്രനായി ജനിച്ച് യശോദയുടെയും നന്ദഗോപരുടെയും പുത്രനായി വളര്‍ന്ന്, ലോകം കണ്ട ഏറ്റവും വലിയ,നല്ല കാമുകനും ഭര്‍ത്താവും കൌശലക്കാരനും ഇടനിലക്കാരനും കൂടുതല്‍ ചൈതന്യവും ഒക്കെയുള്ള സാക്ഷാല്‍ കൃഷ്ണന്റെ , ഗുരുവായൂരപ്പന്റെ , കാര്‍മുകില്‍ വര്‍ണന്റെ ,മുരളീമാധവന്റെ ജന്മസുദിനത്തില്‍ എല്ലാവര്ക്കും ശ്രീകൃഷ്ണ ജയന്തി ആശംസകള്‍.....
ശ്രീകൃഷ്ണ ജയന്തി സമാധാനത്തിന്റെ ദിനം ആകട്ടെ എന്ന് ആശിക്കുന്നു.

Seventh Pay Commission Likely To See Pay Hikes By 40%





New Delhi: The Seventh Pay Commission’s report is likely be submitted to the Finance Minister Arun Jaitley shortly.

Sources said that there will be no internal relief. The average increase in basic fair pay for all government employees will be in the region of 40-45%.
This is a very rough average because for senior level officers, like the Cabinet Secretary or officials at the secretary level, the payback could increase by more than 50%.
The Pay Panel may recommend a new pay scale from January 1, 2016. The existing HRA would be retained for A1 cities; while there would be a 15-20% hike for other cities.
But interestingly when we spoke to government employees they were not really happy, essentially perhaps because effectively if you take the DA out, it is not really a hefty bonanza as many thought it would be.
Also, given the price rise and inflation issues, most people are saying it is really not that sufficient. Most of these recommendations will be implemented.
But the point is, if the Finance Minister Arun Jaitley has a problem with any of the observations or with the impact of the Pay Commission recommendations, he might even send this back to the Pay Commission for another round of iteration.
In that case, some amendments will be made that come back to the Finance Ministry and then it may go back to the Cabinet for approval. If that happens, it could delay the process by about 1-2 more months.
A central government employee will earn up to 40% more if the government accepts the Seventh Pay commission’s proposals, which will be submitted shortly.
This pay hike would affect the lives of over 48 lakh central government employees and 55 lakh pensioners and could trigger off similar pay hike across state governments as well.
An official of the Pay Commission, says recommendations will be made to improve productivity.
The Commission will be talked of market driven compensation at the top level, where there are expert persons required by the government. There should be open competition with the public. If they have a better candidate from outside, he should be appointed instead of simply promoting people by seniority, said the official.

Happy Teacher's Day


a





Good Teachers are gift of god,



Teachers are our living lord.
Lets celebrate teacher’s day,
Sarvpalli Radhakrishnan’s Birthday.

Discipline, Manners & like things,
we become queens and kings.
Good Teachers are gift of god,
Make our knowledge very broad.
They are very good preachers,
Make us a person with good features.
Sometime love us, sometimes beat.
Make our life very sweet.
Good Teachers are gift of god,
Use your pen like a sword.
Some give life, some give thumb,
They make us very handsome.
They are our good founder,
Make us all rounder.
Good Teachers are gift of god,
Be Honest and do not fraud.
Give all of them due respect,
It is Jasleen’s small request.
May all of them live very long,
Make the country very strong.

Your Excel formulas sheet: 15 tips for calculations and common tasks



Many of us fell in love with Excel as we delved into its deep and sophisticated formula features. Because there are multiple ways to get results, you can decide which method works best for you. For example, there are several ways to enter formulas and calculate numbers in Excel.

1. Manually enter Excel formulas:

Long Lists: =SUM(B4:B13)
Short Lists: =SUM(B4,B5,B6,B7); =SUM(B4+B5+B6+B7). Or, place your cursor in the first empty cell at the bottom of your list (or any cell, really) and press the plus sign, then click B4; press the plus sign again and click B5; and so on to the end; then press Enter. Excel adds/totals this list you just “pointed to:” =+B4+B5+B6+B7.
Excel formulas

2. Click the Insert Function button

Use the Insert Function button under the Formulas tab to select a function from Excel’s menu list:
=COUNT(B4:B13) Counts the numbers in a range (ignores blank/empty cells).
=COUNTA(B3:B13) Counts all characters in a range (also ignores blank/empty cells).

3. Select a function from a group (Formulas tab)

Narrow your search a bit and choose a formula subset for Financial, Logical, or Date/Time, for example.
=TODAY() Inserts today’s date.

4. The Recently Used button

Click the Recently Used button to show functions you've used recently. It's a welcome timesaver, especially when wrestling with an extra-hairy spreadsheet.
=AVERAGE(B4:B13) adds the list, divides by the number of values, then provides the average.

5. Auto functions under the AutoSum button

Auto functions are my editor's personal favorite, because they're so fast. Select a cell range and a function, and your result appears with no muss or fuss. Here are a few examples:
=MAX(B4:B13) returns the highest value in the list.
=MIN(B4:B13) returns the lowest value in the list.
AutoSum in ExcelJD SARTAIN
Use the AutoSum button to calculate basic formulas such as SUM, AVERAGE, COUNT, etc.

Note: If your cursor is positioned in the empty cell just below your range of numbers, Excel determines that this is the range you want to calculate and automatically highlights the range, or enters the range cell addresses in the corresponding dialog boxes.


Bonus tip: With basic formulas, the AutoSum button is the top choice. It’s faster to click AutoSum>SUM (notice that Excel highlights the range for you) and press Enter.


Another bonus tip: The quickest way to add/total a list of numbers is to position your cursor at the bottom of the list and press Alt+ = (press the Alt key and hold, press the equal sign, release both keys), then press Enter. Excel highlights the range and totals the column.


Five handy formulas for common tasks

The five formulas below may have somewhat inscrutable names, but their functions save time and data entry on a daily basis.

Note: Some formulas require you to input the single cell or range address of the values or text you want calculated. When Excel displays the various cell/range dialog boxes, you can either manually enter the cell/range address, or cursor and point to it. Pointing means you click the field box first, then click the corresponding cell over in the worksheet. Repeat this process for formulas that calculate a range of cells (e.g., beginning date, ending date, etc.)


1. =DAYS

This is a handy formula to calculate the number of days between two dates (so there’s no worries about how many days are in each month of the range).
Example: End Date October 12, 2015 minus Start Date March 31, 2015 = 195 days
Formula: =DAYS(A30,A29)

2. =NETWORKDAYS

This similar formula calculates the number of workdays (i.e., a five-day workweek) within a specified timeframe. It also includes an option to subtract the holidays from the total, but this must be entered as a range of dates.
Example: Start Date March 31, 2015 minus End Date October 12, 2015 = 140 days
Formula: =NETWORKDAYS(A33,A34)

3. =TRIM

TRIM is a lifesaver if you’re always importing or pasting text into Excel (such as from a database, website, word processing software, or other text-based program). So often, the imported text is filled with extra spaces scattered throughout the list. TRIM removes the extra spaces in seconds. In this case, just enter the formula once, then copy it down to the end of the list.
Example: =TRIM plus the cell address inside parenthesis.
Formula: =TRIM(A39)
Excel formulas

4. =CONCATENATE

This is another keeper if you import a lot of data into Excel. This formula joins (or merges) the contents of two or more fields/cells into one. For example: In databases; dates, times, phone numbers, and other multiple data records are often entered in separate fields, which is a real inconvenience. To add spaces between words or punctuation between fields, just surround this data with quotation marks.
Example: =CONCATENATE plus (month,”space”,day,”comma space”,year) where month, day, and year are cell addresses and the info inside the quotation marks is actually a space and a comma.
Formula: For dates enter: =CONCATENATE(E33,” “,F33,”, “,G33)
Formula: For phone numbers enter: =CONCATENATE(E37,”-“,F37,”-“,G37)

5. =DATEVALUE

DATEVALUE converts the above formula into an Excel date, which is necessary if you plan to use this date for calculations. This one is easy: Select DATEVALUE from the formula list. Click the Date_Text field in the dialog box, click the corresponding cell on the spreadsheet, then click OK, and copy down. The results are Excel serial numbers, so you must choose Format>Format Cells>Number>Date, and then select a format from the list.
Formula: =DATEVALUE(H33)

Three more formula tips

As you work with formulas more, keep these bonus tips in mind to avoid confusion:

Tip 1: You don’t need another formula to convert formulas to text or numbers. Just copy the range of formulas and then paste as Special>Values. Why bother to convert the formulas to values? Because you can’t move or manipulate the data until it’s converted. Those cells may look like phone numbers, but they’re actually formulas, which cannot be edited as numbers or text.


Tip 2: If you use Copy and Paste>Special>Values for dates, the result will be text and cannot be converted to a real date. Dates require the DATEVALUE formula to function as actual dates.


Tip 3: Formulas are always displayed in uppercase; however, if you type them in lowercase, Excel converts them to uppercase. Also notice there are no spaces in formulas. If your formula fails, check for spaces and remove them.

Excel formulas
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