Government's Work or not

Yesterday night, I had seen a old lady with fractured leg and broken breath in Delhi. However it is not first time, what I have seen. But some time we watch, which are not normal. This the case, we don't want to see ever. The old lady can not stood up due to her broken breath.
I want to know that whose duty is this? This the one case, but I know there are many case worsen than this. But who have to look after them. Shouldn't govt have to look after them?
Or govt also want, mango people to look after them. Isn't the government duty. It should be.
Govt have to shame on themselves. Or govt wait for someone to come forward and take responsibility.
I don't know what is the government plans, but if it is in his plan then it is not showing in reality and if it is not in his plan then show some respect to people and make foolproof plan for them. So nobody, who are uncapabale to do any work for his /her livelihood, lives like slaves.
Government want to go to the moon and other stars to setisfy his ego with other countries, but have no funds for people like this lady. Shame!
I am hoping for best for everyone.

आज का जीवन एक बच्चे की नज़र से

प्राथमिक पाठशाला की एक शिक्षिका ने अपने छात्रों को एक निबंध लिखने को कहा. विषय था "भगवान से आप क्या बनने का वरदान मांगेंगे" इस निबंध ने उस क्लास टीचर को इतना भावुक कर दिया कि रोते-रोते उस निबंध को लेकर वह घर आ गयी. पति ने रोने का कारण पूछा तो उसने जवाब दिया इसे पढ़ें, यह मेरे छात्रों में से एक ने यह निबंध लिखा है..

निबंध कुछ इस प्रकार था:-

हे भगवान, मुझे एक टीवी बना दो क्योंकि तब मैं अपने परिवार में ख़ास जगह ले पाऊंगा और बिना रूकावट या सवालों के मुझे ध्यान से सुना व देखा जायेगा. जब मुझे कुछ होगा तब टीवी खराब की खलबली पूरे परिवार में सबको होगी और मुझे जल्द से जल्द सब ठीक हालत में देखने के लिए लालायित रहेंगे. वैसे मम्मी पापा के पास स्कूल और ऑफिस में बिलकुल टाइम नहीं है लेकिन मैं जब अस्वस्थ्य रहूँगा तब मम्मी का चपरासी और पापा के ऑफिस का स्टाफ मुझे सुधरवाने के लिए दौड़ कर आएगा. दादा का पापा के पास कई बार फोन चला जायेगा कि टीवी जल्दी सुधरवा दो दादी का फेवरेट सीरियल आने वाला हे. मेरी दीदी भी मेरे साथ रहने के लिए के लिए हमेशा सबसे लडती रहेगी. पापा जब भी ऑफिस से थक कर आएँगे मेरे साथ ही अपना समय गुजारेंगे. मुझे लगता है कि परिवार का हर सदस्य कुछ न कुछ समय मेरे साथ अवश्य गुजारना चाहेगा मैं सबकी आँखों में कभी ख़ुशी के तो कभी गम के आंसू देख पाऊंगा. आज मैं "स्कूल का बच्चा" मशीन बन गया हूँ. स्कूल में पढ़ाई घर में होमवर्क और ट्यूशन पे ट्यूशन ना तो मैं खेल पाता हूँ न ही पिकनिक जा पाता हूँ इसलिए भगवान मैं सिर्फ एक टीवी की तरह रहना चाहता हूँ, कम से कम रोज़ मैं अपने परिवार के सभी सदस्यों के साथ अपना बेशकीमती समय तो गुजार पाऊंगा.

पति ने पूरा निबंध ध्यान से पढ़ा और अपनी राय जाहिर की. हे भगवान ! कितने जल्लाद होंगे इस गरीब बच्चे के माता पिता !

पत्नी ने पति को करुण आँखों से देखा और कहा,...... यह निबंध हमारे बेटे ने लिखा है !!

Sony Xperia T2 Ultra :Specification

GENERAL	2G Network	GSM 850 / 900 / 1800 / 1900 - all versions
	3G Network	HSDPA 850 / 900 / 2100 - D5303
		HSDPA 850 / 900 / 1700 / 1900 / 2100 - D5306
	4G Network	LTE 800 / 850 / 900 / 1800 / 2100 / 2600 - D5303
		LTE 700 / 1700 / 1900 / 2100 /2600 - D5306
	SIM	Micro-SIM
	Announced	2014, January
	Status	Coming soon

BODY	Dimensions	165.2 x 83.8 x 7.7 mm (6.50 x 3.30 x 0.30 in)
	Weight	171.7 g (D5303)/ 172.4 g (D5306) (6.07 oz)

DISPLAY	Type	IPS LCD capacitive touchscreen, 16M colors
	Size	720 x 1280 pixels, 6.0 inches (~245 ppi pixel density)
	Multitouch	Yes, up to 10 fingers
		- Triluminos display - Mobile BRAVIA engine 2

SOUND	Alert types	Vibration; MP3 ringtones
	Loudspeaker	Yes
	3.5mm jack	Yes

MEMORY	Card slot	microSD, up to 32 GB
	Internal	8 GB, 1 GB RAM

DATA	GPRS	Up to 107 kbps
	EDGE	Up to 296 kbps
	Speed	HSDPA, 42 Mbps; HSUPA, 5.76 Mbps; LTE, Cat4, 50 Mbps UL, 150 Mbps DL
	WLAN	Wi-Fi 802.11 a/b/g/n, dual-band, Wi-Fi Direct, DLNA, Wi-Fi hotspot
	Bluetooth	Yes, v4.0 with A2DP
	NFC	Yes
	USB	Yes, microUSB v2.0

CAMERA	Primary	13 MP, 4128 x 3096 pixels, autofocus, LED flash
	Features	Geo-tagging, touch focus, face detection, image stabilization, HDR, sweep panorama
	Video	Yes, 1080p@30fps, video stabilization, HDR
	Secondary	Yes, 1.1 MP, 720p@30fps

FEATURES	OS	Android OS, v4.3 (Jelly Bean)
	Chipset	Qualcomm MSM8928
	CPU	Quad-core 1.4 GHz
	GPU	Adreno 305
	Sensors	Accelerometer, gyro, proximity, compass
	Messaging	SMS (threaded view), MMS, Email, IM, Push Email
	Browser	HTML5
	Radio	FM radio with RDS
	GPS	Yes, with A-GPS support and GLONASS
	Java	Yes, via Java MIDP emulator
	Colors	Black, White, Purple
		- ANT+ support - SNS integration - Active noise cancellation with dedicated mic - Xvid/MP4/H.263/H.264 player - MP3/eAAC+/WMA/WAV/Flac player - Document viewer - Photo viewer/editor - Voice memo/dial - Predictive text input

BATTERY		Non-removable Li-Ion 3000 mAh battery
	Stand-by	Up to 1071 h (2G) / Up to 1046 h (3G)
	Talk time	Up to 14 h (2G) / Up to 24 h (3G)
	Music play	Up to 93 h

NEW MARUTI SMALL CAR - A:WIND SPOTTED

Maruti's A-Star replacement have surfaced for the first time. 

Maruti may be good at keeping its cars under wraps but it is getting increasingly difficult. Pictures of the production version of the A:Wind concept have been posted by Motoroids. Alert snapper Dhananjay caught the all-new hatchback in what looks like an advertising campaign photoshoot. 

The Suzuki A:Wind Concept displayed at the 2013 Thailand Motor show was a hatchback waiting to happen for India since small cars from the Suzuki stable are developed keeping the huge Indian market in mind. We expect Maruti to unveil this highly anticipated car at the upcoming Auto Expo. Codenamed YL7, the hatchback could carry the Celerio moniker in production form and ditch the A:Wind tag from the concept or the present A-Star name since this name hasn’t been successful in India.

In the not-so-clear images, the form of the production car can be seen to be retained in the whole. The front end styling has been toned down from the bold concept keeping its mass market positioning. The headlights get turn indicators on top and there’s plenty of chrome on the grille to give it a premium look. Round fog lamps have been integrated into bumper instead of separate housings for them. 

Under the hood, we expect the same 1.0-litre K-series 3-cylinder engine that currently powers the A-Star, Wagon R and Alto K10. It has 67 PS of power on tap and 89 Nm of torque. In concept form, the car measures 3,600mm x 1,600mm x 1,540mm (LxWxH) and has a wheelbase of 2,425mm. It is 100mm longer and 80mm taller than the A-Star. It also has 65mm more between the wheels. This translates to increased legroom and headroom, a rectified drawback from the A-Star. 

There is no update yet on the 2-cylinder diesel engine Maruti is developing, but we expect to know more on it at the Auto Expo. Maruti wants to reduce dependence on Fiat’s Multijet engine and this engine is touted to expand their diesel line-up in the Maruti stable including this new small car.

NEW SAMSUNG GALAXY NOT 3 LITE

Though Samsung unveiled its new line of professional-grade tablets at the Consumer Electronics Show this year, it did not showcase any smartphones. However, the launch of the rumoured Galaxy Note 3 Lite seems imminent, with several photos and specifications of the model leaking online.

Technology website SamMobile has spilled the beans on the features of the upcoming model, touted as the smaller version of the Galaxy Note 3 phablet. The images show that the handset will bear the same look as Samsung's current top-end phablet and will have similar faux-leather back panel. However, the design of the camera module is a little different.

The report says that the Samsung Galaxy Note 3 Lite will have a 5.5-inch HD (720p) SuperAMOLED display, much like the Galaxy Note 2. It is said to run on a six-core Exynos 5260 chipset with Heterogenous Multiprocessing Technology (HMP), allowing all six cores to operate simultaneously. The model will be launched in two variants - one that operates only on 3G networks and one that works on 3G as well as 4G networks.



Other key features of the model include 2GB RAM, 8MP rear camera, 2.1MP front camera, LED flash, 16GB internal storage, microSD support and 3,100mAh battery. The phone will run on Android 4.3 (Jelly Bean) upon launch, though the final software build may differ.

Galaxy Note 3 Lite will also come with the S Pen stylus and have all the related stylus features, such as Screen Write, Scrapbook, Pen Window etc. Connectivity options of the phone Lite include Bluetooth 4.0, microUSB, NFC, Wi-Fi and infrared.

In Antutu benchmark test, Samsung Galaxy Note 3 Lite scores higher than Galaxy S4, but lower than the Note 3.

It is expected that Samsung will unveil the Galaxy Note 3 Lite at the Mobile World Congress in February.

AAP-AAM ADMI PARTY

What is AAP?
AAP is the newly constituted name of party or group of socialists who groped together to make government in Delhi(first). The party's head is Mr. Arvind Kejriwal, Who is now Chief Minister of Delhi state Government.
Why AAP?
Mr. Anna Hazare, Mr. Arvind Kejriwal, Ms. Kiran Bedi and some other social activist fight against corruption by Gandhian way, like 'ansan(fast)' for many days, public meetings etc. But between these activists Mr. Arvind Kejriwal and some others thought that this is not the way to fight against corruption, so they formed a party headed by Mr Kejriwal, named AAP(AAM ADMI PARTY). A party for aam admi(general public).

AAP in Their Own Words
For the past two years millions of common Indians came out on streets to fight against the biggest evil in our country today - corruption. This people's anti-corruption movement has exposed the ugly and greedy face of our politicians. No political party in India today works for the common man's needs. The Janlokpal Movement was a call to all the politicians of India to listen to the common man's plea. For almost 2 years we tried every single way available to plead our cause to the government - peaceful protesting, courting arrest, indefinite fasting several rounds of negotiations with the ruling government - we tried everything possible to convince the government to form a strong anti- corruption law. But despite the huge wave of public support in favour of a strong anti-corruption law, all political parties cheated the people of India and deliberately sabotaged the Janlokpal Bill. The time for peaceful fasts and protests is gone. This is the time for action. Since most political parties are corrupt, greedy and thick skinned, it's time to bring political power back into the people's hands. We are not saying that every single politician is corrupt and greedy. There are many good intentioned people in politics today who want to work honestly for the people of India. But the current system of polity does not allow honest politicians to function. We are also not claiming that every single person who joins our party will be hundred percent honest. We are saying that it is the system that has become very corrupt and needs to be changed immediately. Our aim in entering politics is not to come to power; we have entered politics to change the current corrupt and self-serving system of politics forever. So that no matter who comes to power in the future, the system is strong enough to withstand corruption at any level of governance.

UP Board Intermediate Result 2012 Declared

The Result of UP Board Intermediate  Declared, Total passing percentage is 89.90. In that result girls have better pass percentage(95.52%)and boys have 84.73% passing percentage.
Abhilasha and Apporva jointly topped the UP Board Examination with 96.20% marks. Both the girls from MAHARANI LAXMIBAI MEMORIAL INTER COLLEGE, BARABANKI and Ashutosh singh got the second place with 94.20% marks. He is from SKD INTER COLLEGE, LUCKNOW.
All boys and girls can view their result from link http://upmsp.nic.in/
 or http://upresults.nic.in/
and share your result experience here.

Loans and Advances

(i) The definition of banking in section 5(b) of Banking Regulation Act indicates that acceptance of deposits may be for lending and investment. Thus lending or making of loans and advances is a core business of a banking company. Lending may be for short term or long term, on secured or unsecured basis and for different purpose.
(ii) Regulation of Loans and Advances:
    (a) The reserve is empowered under 21 of the Banking Regulation Act to issue directions to control advances by banking companies. Apart from this, the general powers to give directions under Section 35A are also available for regulation of loans and advances.Such directions may be issued to banking companies generally or to any particular company. The reserve Bank may determine the policy in relation to advance and issue directions when it is satisfied that it is necessary to give directions

Nomination

(i) Repayment of Deposits: Section 45Z of the Banking Regulation Act provides that a depositor or depositors of a banking company may nominate one person in the prescribed manner as nominee to whom the deposit may be returned in the event of the death of the sole depositors or depositors. Unless the nomination is varied or cancelled, the nominee is entitled to all the rights of the depositor/s in the event of death of the depositor/s. In the case of minor nominee, there is also a provision to appoint a person to receive the deposit on behalf of the minor. Rule 2 of the banking companies Rules, 1985 provides for the procedure and forms for making nomination in respect of deposits with commercial banks.

Acceptance of Deposits in Banking

(i) The essence of banking is the acceptance of deposits from the public withdrawal by cheque.
(ii) Types of Deposits: Banks accepts different types of deposits, both time and demand deposits, from the public. While time deposits, like fixed deposits or recurring deposits are repayable after an agreed period. Demand deposits, like deposits in current account and savings bank accounts, are repayable on demand, subject to term and conditions of the deposits. The period of deposit and rate of interest applicable to the deposit are matter to be agreed between the depositor and the bank under the terms of deposit, subject to any directions given by the RBI in this regard.

Power to Issue Directions In Banking

(i) The Banking Regulation: This Act authorised the Reserve Bank of India to issue direction to bank under Sections 21 and 35A. While Section 21 gives the power to regulate advances by banking companies, Section 35A gives wide powers generally to regulate banking companies. The Reserve Bank of India has been issuing directions from time to time under section 21 regulating rates of interest and other term and conditions of acceptance of deposits and making of loans and advances.
(ii) Nature of Directions: The direction issued by RBI in exercise of powers under Section 21 and 35A of the BR Act, being statutory direction, are binding on banks, even if they do not specially refer to any statutory

Bankers Right of Set-off

1. Set-off means- that the bank can adjust the credit balance in a customer's account against a debit balance in another account maintained by the same customer.
2. In an on going, situation, the right of set-off can be exercised by a banker- by serving a reasonable notice on the customer.
3. The right of set-off can be exercised by the banker only when the relationship between the customer and the banker is that of- Debtor and Creditor.
4. The banker can exercised the right of set-off only in respect of- debts due and determined.
5. The following condition are required to be fulfilled before a banker can exercise the right of set-off-     (a)The debt must be a sum certain and due immediately, (b) The debt must be due by and to the same parties and the in the same right, (c) There should be no agreement to the contrary.
6. The right to set-off account arise immediately in the following cases- (a) On the death, metal incapacity or insolvency of a customer, (b) On the insolvency of a firm, or on the liquidation of a company, (c) On the receipt of garnishee order.

Banker's Lien

1. A lien is the right to- retain goods or securities belonging to a debtor until he discharged a debt to the retainer thereof.
2. A lien may be- Particular or/and General.
3. Banker's lien is a general lien and is specially conferred by- Section 171 of the Indian Contract Act, 1872.
4. Banker's general is available in respect of- all securities deposited with him as banker by the customer, unless there is contract inconsistent with lien.
5. The right of lien is available to the banker only when the goods/securities have been given to him as:- Bailee.
6. The right of lien is available to the banker- even in respect of time-barred debts.
7. The banker's lien is- an implied pledge.

BANKER AND CUSTOMER RELATIONSHIP

1. When a Person maintain a deposit account with the bank, principal relationship between the two is one of- Debtor and Creditor.
2. Upon the banker's allowing an overdraft to customer in his current account, the relationship between the two will be that of- Creditor and Debtor.
3. While collecting cheques/bills etc. for a customer, the bank act as- An agent of the customer.
4. When a customer deposits a sealed box with the bank for safe custody, the relationship between the two is that of- Bailor and Bailee.
5. When a customer takes a locker in the Bank, the relationship between the bank and the customer is one of- Lessor and Lessee.
6. When a customer gives standing instruction to the bank for remitting a specified sum of money every month towards payment of his rent to a person, the bank act as-an agent of the customer.
7. In case the securities or documents are deposited by a customer for purpose of safe custody the banker deals with them according to the instructions of the customer, the position of the banker is that of a- trustee.
8. When a banker undertakes to pay bills domiciled on him by his customer, the relationship between the two is that of- Principal and Agent.

BANKING REGULATION ACT

1. The Banking Regulation Act, 1949 does not at all apply to- Primary agriculture credit societies and co-operative land mortgage banks.
2. Nothing contain in the Banking Regulation Act, 1949 (except section 34-A) applies to- Industrial Development Bank of India.
3. Section 11 of the Banking Regulation Act, 1949 stipulates that if a foreign bank wishes to carry on business in India at a place other than Bombay and Calcutta, the aggregate value of its paid-up capital and reserves shall not be less than- Rs. 15,00,000.00.
4. A foreign banking company having a place of business in the city of Bombay or Calcutta or both, must have an aggregate value of its paid up capital and reserves of amount not less than- Rs. 20,00,000.00.
5. In terms of the explanation (ii)(b) to section 35 of the Banking Regulation Act, 1949, inspection of branches of Indian banks situated abroad is to be carried out by- Reserve Bank of India.

RBI-Quantitative Credit Control

1. Stipulation of certain minimum margin in respect of advance against specified commodities- is adopted by RBI does not fall within "general" or "quantitative" method of credit control.
2. For the performance of its duties as the regulator of credit, the RBI posses the usual instruments of general credit control viz,- Bank Rate, Open market operation and the power to vary the reserve requirements of banks.
3. Open market operation are employed by RBI with a view to- minimise fluctuations in money supply, as as an adjunct to Bank Rate to make it function more effectively, maintain stability in the average price of government securities.
4. Bank rate policy, open market operations, variable reserve reserve requirements and, statutory liquidity requirements employed by RBI as measures of credit control are classified as- Quantitative methods.
5. Selective credit control, credit authorisation scheme, Moral Suasion- are fall under the Qualitative methods of credit control adopted  by RBI.
6. The term Moral Suasion refers to- the advice given by RBI to banks/financial institution in the matter of their lending and other operations with the objective that they might implement or follow it.

RBI-Bank Rate

1. Bank Rate means- the standard rate at which the RBI is prepared to buy or rediscount bills of exchange or other commercial paper eligible for purchase under the Reserve Bank of India Act, 1934.
2. When the RBI desires to restrict expansion of credit it- raise the Bank Rate.
3. In period of depression when the Reserve Bank desires to encourage the Banking system to create more credit it- reduce the bank rate.

RBI-OPEN MARKET OPERATION

1. To regulate the flow of credit in the economy, one of the measures adopted by RBI is 'Open Market Operation'. The term open market operation in this connection refers to- sale or purchase of short term or long term government securities by Reserve Bank.
2. Open market operations are employed by Reserve bank of India- to control the reserve base of banks, to minimize fluctuation in money supply, as an adjunct to Bank Rate to make it function more effectively.
3. In period of boom, which leads to economic instability, the Reserve Bank resorts to- sale in the market of first class securities in its possession to reduce the supply of money as a measure of open market operations.