Latest Happenings: March 2011

How to have fun on a blind date

Blind dates can be stressful for many reasons, not the least of which is that you just don’t know what you’re going to get. Plus, there’s the added pressure from the people who set you up. To help you move past the nerves and actually have a good time, here are a few tips.

1. Keep a sense of humor.

Blind dates by nature are a bit absurd: You're expected to spend an afternoon or evening with someone you've never met before and enjoy it. So don't take the situation too seriously. That way, you'll be ready for anything, and you'll be able to laugh about it even if the date turns out to be a dud.

2. Don't put pressure on yourself.

You don't know what to expect, so why expect too much? Just go with the flow when you get there and hope that you have enough in common to carry a conversation. Ideally, the two of you click and it's a match. The worst that can happen is that you just don't hit it off, which really isn't that bad.

3.Do something different.

Try to think outside the dating box when deciding what to do on your blind date. Rather than just a dinner, which puts a lot of conversation pressure on both of you, go to the zoo, a fair or an art show. These alternative date ideas are often more fun and they ensure you always have something to talk about. Plus, if you're not hitting it off, at least you aren't staring at each other awkwardly across the table.

Jennifer Hudson’s Fiance Not Delighted with Her 80 Lb Weight Loss

Jennifer Hudson, who achieved no mean feat with her 80 lb weight loss, must have been very pleased about it and it seems that everyone else should be pleased too. But not so fast – there is someone who has reservations.

Jay Leno, when talking to the former American Idol finalist on Friday night’s show, and discussing the changes the Weight Watchers brought about, inquired about Hudson’s fiancé David Otunga – was he equally impressed?

But Otunga, the singer said, is not the one who likes changes.
The spokesperson for Weight Watchers added that “he’s getting adjusted” to her new body and new looks as she had herself fitted with haute couture. He was accustomed to her dressing more casually and is inclined to fuss over the way she turns herself out before leaving the house. She has to remind him that she is now a kind of “a walking billboard”!

Hudson, 29, and Otunga have been a couple since 2008 and have a son David Jr., born in August 2009.

How to Make Breast Bigger Without Silicone

Nowadays, almost no one pumps silicone into the breast. Specialists in plastic surgery have developed a new, non-surgical method of breast correction which is called Breastox. This technique involves injecting Botox into the breast which allows not only to restore the youthfulness of the breast, but also to increase its size.

This procedure takes not more than 30 minutes, and the breast is much more magnificent after it. Very often, the Breastox procedure is used by young mothers who want to rejuvenate their breast and restore its previous form. Specialists in the field of aesthetic medicine believe that Botox injections can be done within three months after giving birth.

The Breastox procedure involves getting 12 injections in the small pectoral muscle. Thanks to Botox, pectoral muscles are strengthened, and the wrinkles that have occurred as a result of aging or under the influence of the sun are smoothed out. For the patient to feel no pain, the doctor treats the place of the injection with an anesthetic cream.

However, not every woman can get a nice breast without surgery. The specialists report that the women who have already used silicone before cannot rely on Botox. In addition, the effect of this procedure is rather short. Rejuvenation and breast lifting will work for only three months. After that, the injection will have to be repeated.

American Women Fond of Cosmetic Surgery

Wherein lies beauty? These days statistics know everything, so the answer can easily be found in the information recently issued by the American Society of Plastic Surgeons. In the opinion of American women breasts are the main asset, which is clearly shown by the fact that the numbers for breast implants and Botox are on the steady rise – and have been so over ten years.

That state of things is not shared by all cosmetic procedures – some of them had to recede into the shade. Liposuction and rhinoplasty, those popular surgeries of old, have long yielded before the onrush of filler injections – Botox increase, for example, gave an astonishing 584% over the past years of this century.

As cited in the New York Times health blog, the latest Plastic Surgery Statistics for the first decade of the 21st century reveal about 40% rise of implant surgeries. The year 2010 registers nearly 300,000 of them. (It’s interesting to note that around 40% of implant surgeries were done by women from Pacific and Mountain states. Have we got Real Housewives to account for it?)

For cosmetic doctors 2010 was quite an arduous year with well over 13 million procedures performed – 5% more than the number for the year 2009. Are American women so intent to become the most beautiful over the globe? For how long will they be pushing these numbers up? Let’s wait for the next bunch of statistics.

Travel in style with your dog

Imagine that you saw a chic lady toting her pooch in a pet tote that coordinated with the rest of her clothes, wouldn’t you say to yourself “Wow, that lady sure has a great sense of style!” The envious side of me is sure to retort, “She must be having loads of money and time to spare!” Nevertheless, if the truth is to be told, traveling in style with your pet is not all that expensive. You would need to invest some money if you don’t have any decent carriers for your pet so far. However, if you have chosen your existing carriers with care, augmenting your stock need not burn a hole in your pocket. Well, take a look at the some of the different types of carriers and decide which of them suit your lifestyle.

Dog carrier purse:

Meant for small dogs, these handbags are by far the easiest and cheapest way to ensure that your pet carrier complements your outfit. You can get a dog purse in a range that extends from a mere $10 to more than $ 400 if you want a designer Michael Kors pet carrier! You will find purses in different styles, from elegant artificial leather purses, striking leopard print bags, edgy studded handbags to girly red ruffled dog carriers. You just need to determine where on the price spectrum you stand and the design of the purse you want.

Dog backpack:

For a casual look to match with your jeans and tee, opt for a dog carrier backpack. If your pet prefers to have a better view, get a front pack or sling bag instead. If your dog is a bit heavy and you are not sure if you can carry it all along, choose for a wheeled pack that you can roll around when you are tired of lugging your pet.

Dog crates:

At times when you need to travel for long distances via flight, you have to crate your pet. Does this mean that you have to compromise on style? Not at all! Even the trusted airline approved Petmate dog crate comes in different colors now. If you are willing to shell out extra dough, you could buy a stylish crate like the Hagen pet cargo cabrio carrier. If you travel more often by car, opt for the comfy yet classy carrier like the Sleepypod.

Live better by treating the Earth better

It’s been a couple of months since the new year…are you still keeping your resolutions? Like most people, my resolution was to live a healthier lifestyle. In addition to that, I wanted to do it in a sustainable and environmentally-friendly way. Luckily for me, many companies and brands are also trying to “green” up their production with eco-friendly products for everyday uses. Although it doesn’t seem like much, stopping your use of plastic water bottles will add up to a significant change if you continue this habit for the rest of your life. As more people realize the impact they can make, these small changes can potentially make our Earth a healthier and more sustainable planet for generations to come.

We’ve all heard it countless times: The two best ways to live a healthier and happier lifestyle is through a good diet and exercising regularly. A great exercise to try on your body is yoga. Not only does it help you breathe better, it also relaxes the mind and helps relieve stress and tension. To make it beneficial for the Earth, use an eco-friendly yoga mat. These mats are made from sustainable materials and won’t emit extra toxins into the air. Feel secure taking a deep breath when you are doing your yoga with these mats.

Another great investment is an Aquasana canteen. Plastic water bottles fill up much of the space of landfills so do your part by drinking your water from a canteen. Not only will your water be free (as it should be) it will also not use up precious resources only to destroy and fill valuable land space. A regular-sized canteen carries up to 8 ounces of water and one can easily go through about two a day. The documentary “Food Matters” actually recommends starting your day with two glasses of water to jump start your metabolism and cleanse your body.

In many other continents, people get exercise from their daily routine. Walking is a huge part of their life and their main mode of transportation for their day-to-day activities. Although it’s not realistic to walk everywhere in America, riding a bicycle is very do-able. Instead of driving to work everyday, why not try using a Schwinn Paramount road bicycle and public transportation? You won’t have to stress about traffic and you’ll be getting exercise.

Upgrade your home’s curb appeal

It is often the first look that creates an everlasting impression. For your home to look presentable whether you are planning to sell it or simply impress your visitors, it is the home’s curb that has to create that impression. Have you ever noticed beautiful homes while driving down a residential lane? If yes, then what you liked about those homes is their curb appeal. These homes create a harmonious blend of architecture and nature by using the right exterior designing elements. An impressive curb appeal often sets your home apart from the crowd. It makes your home more valuable from a real estate standpoint and will also rise your pride.

With the spring approaching and the winters biding a good bye, this is perhaps the best time to upgrade your home’s curb appeal. Renovating your home’s exterior is one way to dramatically improve its curb appeal. The best way to go about with this is to try to blend the exterior architecture with the natural surroundings. Symmetry does not just please the eyes but it is also the simplest way to arrange the entire decor. A great way to bring in antique wall sconce symmetry to your doorway is to get complimenting door lights that match with the door design and pattern. Like for instance, if you have an antique door at your entrance and have an antique and classy look in your home, highlight this theme with antique wall sconces on the either side of the front door.

Light fixtures, door wreaths, welcome mats and a wall-mounted mailbox like the Gaines mailbox will all add to style of your home’s curb appeal. Decorating your door can create a focal point as well as make your home look warm and welcoming. Hanging door wreaths is more of a tradition than a decoration to your front door. However, a beautiful door wreath will only make your home entrance look gorgeous. You need not hang wreaths only during the festival time – your home can spell happiness and celebration all year through with a nice decorative door wreath hanging on its front door. And, it isn’t really difficult to fix a wreath on your door. All you need is a door wreath hanger and your wreath will be up in no time.

Before you start with mowing the lawn, it is a better option to clear it off all the debris. This could be in the form leaves, garbage or other such things. A beautiful lawn is often the one that cleaned and watered regularly. With the lawn neat and tidy, your home’s curb will need minimal decorations to look attractive.

Keep your dog safe in your home

Dogs, especially puppies are innately curious animals. They are quite likely to keep wandering off and getting into trouble! Dog proofing your home is an absolute must if you don’t want your pet to be accidentally harmed at home. There are several precautions that you could take to ensure that your home is a safe place for your pooch.

Some dogs are voracious chewers so you would need to keep everything that you don’t want to be chewed up in an inaccessible place! Often chew toys, such as the Hartz dog toys chew-n-clean bone, may help to satiate your pet’s desire to chew.
Ensure that all electrical cords are contained in conduits or are well hidden so that your dog can’t chew on them. Place childproof electrical covers on electrical outlets.
Tall pet gates are ideal to block off a certain part of your house that you don’t want your pet to access unsupervised, for instance your home office.
Remove sharp, pointy objects like needles, scissors, or nails from the floor as they can be fatal if ingested by your pet.
Keep all bleaches, anti-freeze, medicines, pesticides and any other toxic chemicals locked up in cabinets. Foods such as chocolates or onions are dangerous for dogs, so ensure that you do not feed these to your pet.
Remember to place plants that are poisonous to your pet, for example the hyacinth, narcissus and poinsettia, amongst others, in places that are not within your pet’s reach.
If you need to go out of your home for a short while and are not planning to take your pet along, crate it so that it will be safe and not cause any harm. Crates that blend into the décor of the home such as a dog crate table are less likely to create a feeling in your pet that it is being caged up.
Puppies have huge reserves of energy and if they are unable to expend it they may become destructive. So ensure that your puppy gets lots of exercise. You could opt for a puppy playpen where your pet can play even if you are not around to supervise.

Dogs need to be trained to avoid getting into trouble. However, irrespective of how well trained your pet is, they are like small children and quite likely to get into trouble when you least expect it. So the onus is on you to be alert and avoid situations wherein your dog may be exposed to any danger.

3 eco friendly things you can do for your bedroom

One of the best places to start off your green pledge is from the bedroom. Redecorating or refurbishing smaller areas works out economical and is feasible too. Also, the bedroom is one area of the house where you spend a lot of time, especially when sleeping.

Small changes in the bedroom can help you to contribute towards a greener environment. Eco friendly refurbishing of the bedroom is also vital for your overall health. Don’t’ worry about the cost factor here; most eco friendly products are priced at par with commercial ones. In fact, some like bulbs and energy saving appliances reduce your recurring costs in the long run.

Here are the top 3 ideas that you can implement to make your bedroom more eco-friendly-

1. Urban woods bed

Opt for queen supported Urban woods bed, which is supported by brushed steel legs that has been hand welded in LA. It is made from reclaimed wood and hence is eco friendly. The source of the wood is vintage buildings and other local places, which have been torn down. It has been finished with low VOC and is made from water based materials and is resistant to non-toxic stains. The wood doesn’t use any MDF or particle board. It is a mere solid wood construction.

2. Organic sheet set

Your body is in direct contact with the sheet. Hence, it is vital that you keep harsh chemicals and toxins at bay. The organic sheet set has lovely floral prints that depict hues of refreshing green. Just seeing the lovely green wants you unwind. Made from 100% organic cotton, the sheet ensures natural comfort. The lustrous sheet is home washable and affordable too.

3. Bamboo side tables

Opt for eco friendly and sturdy bamboo side tables or dressers for your bedroom. Bamboo is known for its high resistance properties to humid temperatures, water and even termites. It is eco friendly, cost effective and abundantly available too.

Apart from the above mentioned ideas you can also try to-

Reduce recurring electricity costs by changing your bulbs. Opt for solar or CLF bulbs that consume lesser energy
Use organic and eco friendly paint in your room. It is fragrant free and has no toxic elements

How to look effortlessly gorgeous

We all know those women who manage to look fabulous seemingly without effort. They look great whether they’re at the grocery store, out for brunch or picking their kids up from school. How do they do it? It’s not as hard as you might think.

1. Nude, glossy lips

Forget lipstick. Focus instead on subtle sheen. If clear gloss isn't enough for you, opt for something with a hint of pink or peachy tint.

2. Bright eyes

People who look great always appear awake and alert while the rest of us are fumbling around for our third cups of coffee. Fake a full night's sleep with a brightening concealer, which hides dark circles and brightens the skin around the eye. You'll look more awake and ready for anything.

3. Glowing skin

Exfoliate regularly (at least once a week), make sure to moisturize, and then use a sheer, water- based foundation or tinted moisturizer to even out skin tone and give it a healthy glow.

4. Natural-looking flush

Your goal is to look like you've just come back from a brisk walk or a cardio session at the gym. A cream blush or tint formulation allows you to layer blush until you get the desired natural-looking effect.

5. Messy-chic hair

If your hair is long-ish with not much natural movement, go for relaxed, beachy waves. Spray a texturizing product onto damp hair to maximize natural waves. If you have straight hair, pull most of it back into a loose ponytail, leaving some strands to frame your face loosely.

Pet food Containers

If you store your pet’s chow in a place that’s exposed to heat, moisture or air, don’t be surprised if it sniffs at its kibble and walks away without tasting it! Chances are that the food has turned rancid. Storing dry pet food appropriately in proper pet food containers is crucial to maintaining its nutritional value and flavor. Here are some guidelines on how you can store kibble in the best possible manner:

Always store the pet food in a place that is cool and dry. Continuous exposure of the kibble to a damp and hot environment increases the chances of bacterial and fungal growth.
Preferably keep the pet food in the original packaging in airtight storage containers. These packages are designed to maintain the freshness of the food for longer. Never put the dry pet food directly into the storage bins as there is a probability that the residue of the previous stock may contaminate the fresh chow.
If you are buying the food in bulk, take out the portion that you are likely to feed your pet during the week and store it in a smaller container. Thereafter squeeze out as much air as possible out of the original pack, fold the top and clip it. Now close the lid of the container.
When you are buying a pet food storage bin, you can opt for a glass container, a plastic bin or a metal canister. Multiple pet owners often need to buy several kinds of pet food to cater to pets with different dietary requirements. Containers like the stackable vittles vault, that can be placed one on top of the other, form a convenient way of storing the kibble.
Each time you buy a fresh stock of kibble, remember to wash the bin with soap and warm water. Ensure that the container is completely dry before you place the new batch of pet food.

By following some precautions, you can make sure that the nutritional value of the dry pet food that you buy is preserved and that it stays fresh for longer. Thus your pet will remain healthy even as you save on the food costs due to minimum spoilage and maximum savings on bulk purchases.

Buy peace of mind with term insurance

What will I get at the end of it? That is a question most individuals ask their insurance agent before buying a life insurance cover. In the quest to pocket big money at the end of the term, most customers lose out on adequate life cover. The eye-popping returns, claim investment experts, are nothing to crow about either.

Welcome to the world of term insurance cover, where insurance and investment are two different things. And the twain shall never meet. It is a simple product: you buy a term cover and your dependents will be compensated if something happens to you during the term of the cover. If you outlive the policy, well, good for you. But the insurance company won't give you any cash prize for that.

The starting point

Once you have decided to buy a pure term insurance policy, the next step is to decide on the term or tenure of the policy. A single plan with long tenure - ideally covering as much as possible of one's earning years - will prove far more cost-effective than multiple shorter tenure plans taken over the same period.

The next step is more crucial: How much cover should you have? Here is one way to calculate it - first, write down the amount of your outstanding loans. Second, write down your annual salary. Your sum assured should earn your annual salary after paying for your loans if invested at the rate of 6% per annum. Bit complex, isn't it?

Let's put some numbers to it. You have a home loan of Rs 12 lakh to be paid. Your salary is Rs 10 lakh per year. Multiply your yearly salary (Rs 10 lakh) by 100. You will get Rs 10 crore. Now divide that figure by 6. You get Rs 1.67 crore. Add Rs 12 lakh (your outstanding loan). You arrive at a sum of Rs 1.79 crore or Rs 1.8 crore. So, you should insure yourself for Rs 1.8 crore.

This exercise not only pays off the loan but also ensures that your dependents can still enjoy the same lifestyle even if the earning member is not around. But here is a word of caution. This simple method does not take into account inflation, possible increase in salary and changes in the lifestyle of your family.

It is better to determine the cover using human life value method described as the net present value of his potential future earning over the rest of one's life span. It is better go with the human life value calculators that factor in all these aspects.

Enhance the cover

But only life insurance cover is not adequate. You should consider enhancing the cover by using additional riders and some nonlife insurance products. Accident disability benefit rider (ADBR) is one such additional benefit that comes with a minor cost. Consider a scenario where the life assured meets with an accident and loses both legs.

In that case, he may not be employable nor can he pay the premium. ADBR comes to rescue of such a person in this situation. If you are exposed to higher accident risk, consider enhancing the cover. For a tour manager who travels most of the time, it is essential to buy a personal accident insurance policy from a non-life insurance company.

If you are a person with a family history of critical illness, better buy a critical illness rider. If you cannot buy one at the time of purchase of policy due to paucity of funds, better buy a critical illness cover from a non-life insurance company as early as possible.

Shop right

Once you have decided on the term, sum assured and the additional covers that you want to buy, the big question that follows is: Which company to buy from? Experts make it clear - buy from an insurance company that you are comfortable with.

If you are buying an insurance cover of Rs 1 crore, you could split it between two companies. If you wish to discontinue a policy after some time, since you would have met your goals, then it is easier to let go of one policy. If paper work and medicals bother you, you could look at going online.

In many cases, the insurance company will arrange for your medical tests at a later date. Many companies offer door-step services for pathological tests in certain cities. Along with the convenience, you may get to enjoy some premium discounts depending on the age, tenure and sum assured you choose if you opt for the online mode. So choose the path you are comfortable with.

Maintain your cover

Last but not the least you may choose to pay the premium using the monthly mode. But ensure that you pay your premium by a standing instruction on your bank account. This ensures that the policy remains in force. If the policy lapses, reviving it is a task in itself. More important, keep your dear ones informed about the policy.

The World’s Priciest Dog

The highest price paid for a dog so far has risen to $1.5 million (or, actually, 10 million yuan). The dog deemed worthy of this sum is a Red Tibetan Mastiff, almost a year old, named Hong Dong, which means Big Splash in Chinese.

The Red Tibetan Mastiff is considered to be an inherently Chinese breed, which is confirmed by a well-documented history and the population area – it lives almost exclusively in China. In Tibet nowadays a little more than a dozen of these animals can be found.

History has it that a Red Tibetan Mastiff was the dog owned by Lord Buddha and Genghis Khan. Big Splash now belongs to a Chinese coal baron.

Tibetan Mastiffs, besides being arguably the world’s oldest pure breed, is certainly the most expensive breed. The previous dog price world record was also set by a Tibetan Mastiff, Yangtze River Number Two, two years ago. It was sold for 4 million yuan.

Emma Watson Is the New Face of Lancome

The 20-year-old actress known for her roles in Harry Potter movies, Emma Watson, has become the new commercial face of the Lancome cosmetics brand. This has been reported by Emma herself.

She wrote in her Twitter that she had been selected the new face of a well-known brand. And then she deciphered: “It starts with the letter L, and ends with E, I hope everyone guessed, Lancome has chosen me:)”.

It is worth mentioning that Emma Watson will be the youngest girl at the moment to represent Lancome. She joins the team of well-known, influential, and talented women who are also faces of the French Fashion House: Kate Winslet, Julia Roberts, Penelope Cruz, Anne Hettauey.

Introducing Emma as the new face of the brand, Yousef Nabi, President of Lancome, spoke about her: “Emma Watson became an icon of her generation due to her charm, romantic nature, and being fabulously up-to-date. We are delighted with the new collaboration with Emma, she will bring our brand a completely fresh spirit.”

Of course, one desperately wants to see what products the new ambassador for Lancome will be trusted to advertise, but we shall have to wait at least until the summer advertising campaign.

Essential beach accessories

Beach weather is right around the corner. When you head to the beach or pool, you need more than just a swimsuit and a towel; you need accessories as well. Beach accessories should be functional and chic as well. Here are four essential beach accessories that every woman needs.

Straw tote bag

Straw totes are a hot choice for spring and summertime. At the beach, they can hold all your essentials and withstand the elements. Looking for room straw bags with nautical designs. A straw bag can take you from the beach to a summer date without missing a beat.

Aviator sunglasses
Aviator sunglasses, and they should be your choice too. Aviators manage to be classic and trendy at the same time. This season metal framed aviators are hot with lenses in shades of red and purple.

Oversized beach hat

Before you head out for fun in the sun, put on a wide-brimmed hat to protect your face and scalp from the sun's harmful rays. An over sized floppy beach hat has an aura of glamour about it that you'll love. Beach hats can be made of straw, or cool cotton. White hats are going to be very trendy on the sand this summer. A hat can't protect your whole body, of course, so be sure to bring the sunscreen.

Floral cover-up

Cover your swimsuit when you get out of the water with a floral print cover-ups that can double as a sundress. You'll be able to go from the sand to seaside party without having to change. Add a pair of flat thong sandals embellished with stones or colorful jewels.

Perfect swimsuit fit

For many women, swimsuit shopping can feel very defeating. Oftentimes women grab the first thing they see, or stick with the same old style year after year.

Part of the reason it's often so diffucult to find the right swimsuit is because swimsuits come in XS, S, M, L, XL instead of our specific bra sizes. Thank goodness something was finally done about this! The gals at Intimacy Bra Fit Stylists have come up woman-friendly way of fitting so that you can identify what styles look (and fit!) best on your body type. Look for additional features like slimming silhouettes with adjustable leg lines and tummy control to help women feel extra confident.

Keep your lips smooth and beautiful

Why do we envy and love, Angelina Jolie? The answer is her lips. Every girl (and at times, guys too) dream of having luscious, smooth and full lips. Our lips are the most beautiful part of our body. But the fact is, our lips experience some harsh conditions, during dry and cold weather. Lips get chapped because of deficiency of moisture and believe me, chapped lips are real embarrassment for every girl. The one product that helps to maintain and keep our lips forever smooth and soft is the lip balms.

There are plenty of lip balms available in the market today, from branded ones like Cover Girl Lipstick to the medicated ones. Not all are beneficial for our lips, especially, the lip balms that have a petroleum base infused with petroleum jelly. These lip balms offer only temporary solution and not a prolonged one. These don’t help in offering moisture or enhancing the absorption capacity of the lips’ skin.

Better than the petroleum jelly based lip balms are the shea or the cocoa butter based lip balms, like the Carmex lip balm. Cocoa and shea butter is great ingredient for lip balms because they help in increasing the skin cell’s capacity to retain the necessary moisture. The elements present in the butter, enables the skin to retain the moisture in them.

The best ingredients to keep our lips soft and smooth are the natural and organic ones. The best and most effective one is the Burts bee lip balm. This balm contains pomegranate oil and this nourishes hydrates and soothes the lips. This product is 100% organic that helps in keeping our lips forever smooth, beautiful and healthy. Since, the product is infused with antioxidants, derived from the pomegranate oil and the hint of pink color that it gives out, surely, makes one’s lips cute and toned in appearance.

Next time you wake up with dried and chapped lips, don’t fret over it. Rather apply some lip balm, preferably, the organic and natural ones. These natural lip balms will keep you going great for the rest of the day for sure!

UPSC online application form 2011, upsc online registration, upsconline

Union Public Service Commission (UPSC) has issued notification for Indian Forest Service Exam 2011 (IFS Exam 2011). Exam will be commencing from 9th July, 2011.

Candidates are required to apply. Candidates residing in remote areas specified in para 6 of IFS Exam 2011 Notice have the option to apply online mode or offline through New Common Application Form (Form-E).

Qualification required is Bachelor’s degree with at least one of these subjects Animal Husbandry & Veterinary Science, Botany, Chemistry, Geology, Mathematics, Physics, Statistics and Zoology or a Bachelor’s degree in Agriculture, Forestry or in Engineering. Age limit is 21-30 years.
Only 4 attempts are permissible for General category candidates, only 7 attempts for OBCs and there is no limit for SCs/STs.

Candidates from Specified Remote Areas applying Online are required to submit fee Rs.100 through SBI bank or by using net banking facility of SBI or by using Visa/Master Credit/Debit card. Candidates from Specified Remote Areas applying Offline are required to submit application fee Rs.200 through Central Recruitment Fee Stamp. There is no fee for Female/SCs/STs/Physically Handicapped candidates.

Candidates from Specified Remote Areas applying Offline should use only black ballpoint pen for filling up New Common Application Form.

For other details regarding Indian Forest Service Exam 2011 visit at the following link of UPSC Website: IFS Exam 2011 - http://www.upsconline.nic.in/
IFS Exam 2011 Online Registrations are available at the following link: UPSC online - http://www.upsconline.nic.in/

6 Men Types for Women to Avoid

The Perfect Man does not exist, and one simply has to reconcile with the drawbacks of the partner, but one can also try to change him. There are 6 types of men that cannot be changed and thus cannot be tolerated. Women should better terminate all relations with such men.

The Italian Psicologia journal has published the psychologists’ appeal to women, in which they warn the women, what men are to be avoided for a lifetime.
The universal classification of “nasty” types is designed to keep the ladies from the useless waste of time and fruitless attempts to re-shape the upbringing of their partner, who can hardly respond to her efforts.

These types of men are as follows:

Man-dependant (read gigolo)
Man-alcoholic
Man-psychological sadist
Man-mama’s boy
Man-aggressor
Man-profligate

Italian psychologists emphasize that all efforts “to work” on such men will lead to nowhere, as their key problems simply cannot be solved. The experts advise that women should not lose their time and immediately separate with their partner if he displays the predominant features of any particular type from the list.

However, according to the statistics given in the paper, only 24% of Italian women are able to decisively terminate their relations with “inappropriate” men. The vast majority of women indicated that they would try either to reshape their partner, or would tolerate his drawbacks for the sake of preserving the relationship.

Rihanna Shed her Clothes for Nivea

The famous singer Rihanna is now the official voice of Nivea. The well-known cosmetic brand sponsors Rihanna’s concerts, and in her turn, Rihanna has even taken off her clothes to show respect for the 100-year anniversary of the brand.

The Nivea brand is going to celebrate its centennial in May. Global activities and wide celebration of the date are planned. The singer Rihanna is going to start her North American and European tour in late May. Nivea is the official sponsor of the concert tour. Nivea’s PR and advertising campaigns featuring Rihanna in the key roles are scheduled for this period.

Markus Pinger, a member of the Beiersdorf Board (Beiersdorf produces Nivea brand products), said that over the last 100 years, Nivea had become an important skin care brand around the world. According to him, the consumers trust Nivea, and now, having conquered the authority of the middle-aged generation, the brand wants to attract a much younger audience.

Apart from Rihanna, Britney Spears supports the 100th anniversary campaign of the brand, attracting a new generation of Nivea fans. Most of the jubilee events will take place in the Internet, and it is also a certain trick to attract young people to Nivea.

How to grow as a couple

Once you’ve been dating for a while (a year or more), the need to do everything together starts to fade. The focus shifts slowly back to individual ambitions and priorities, rather than couple-oriented goals. We all need our own purposes in life, but growing not only as an individual but also as a couple can be good for your relationship. Here’s how.

Take a trip together.

We're not talking a one-week all-inclusive vacation, but rather something that requires a bit more work. You don't have to stay in hostels for a month, but traveling and going somewhere out of your comfort zone forces you to work as a team to overcome hurdles (missed connections, language barriers) and make the best of even difficult situations.

Volunteer together.
Whether you serve meals at a soup kitchen or help build houses with Habitat for Humanity, volunteering together can bring you closer and make you feel good about yourselves. Not only will you help others, but you'll also do something positive for your relationship

Learn something new.

Like traveling together, tackling new challenges takes you out of your comfort zone and can be very rewarding. Learn a new language, take up a sport neither of you have tried before, or get creative and take an art or photography class. Whatever you choose will be a bonding experience and something that will help you grow together.

Set a mutual goal.

When you first fell in love, you probably had a list miles long of things you were going to do together. Whether it's running a half-marathon, learning to surf or climbing Kilimanjaro, take some time to come up with a mutual goal and create a plan to make it happen.

4 Signs you need to break up with your BFF

You may want to give most people the benefit of the doubt, but sometimes you need to be careful where friendships are concerned. Here are some signs you’re dealing with a bogus BFF who secretly might be out to get you.

She only calls when she wants something.
A good relationship has balance. If you expect someone to be there for you, you should be willing to be there for her. Some people, however, don't quite grasp this concept or just don't seem to care about it. If you're dealing with friend who seems to be available only when she wants to borrow something, complain about her job or lament her latest crush -- but who disappears whenever you need support -- she's probably not worth the effort.

She lies -- a lot.
We all exaggerate sometimes, and some people are more prone to hyperbole than others. Still, someone who doesn't seem to ever tell the whole truth isn't worth having around. If you know she has a problem telling the truth, you won't be able to trust her -- and a friendship without trust just doesn't work.

She's over-competitive.
A little friendly competition can be fun, but she's not a worthy friend if she's always trying to one-up everything you do and can't be happy for you when something good happens. True friends don't act jealous or feel the need to undermine others' accomplishments; instead, they're happy for their friends' successes.

She tries to rule your life.

Bossy people weren't fun to deal with on the playground, and they aren't fun to deal with now. Friends who think they know better and constantly talk down to you are more frustration than they're worth. When a friend criticizes any choice in which she didn't have a hand (whom you date, what you wear), continuing to hang out with her is too much of a drain on your energy and self esteem.

www.hssc.gov.in – HSSC recruitment 2011 Jobs Vacancy

The Posts under the department of Uttar Haryana Bijli Vitran Nigam Limited, Forest, Woman and Child Development, Public Health Engineering and Civil Aviation for the posts of Assistant Lineman, Forest Guard, Engineer (Civil and Mechanical), Draftsman, Signaler, Assistant Revenue Clerk, Store Keeper, Storeman, Lascar, Salesman and Industries Extension Officer are opened.

The Haryana Staff Selection Commission Located at Bays No 67-68, Sector-2, Panchkula-134151 is looking for young Indians for the various posts published under the current recruitment drive as details given below and published in the latest HSSC recruitment 2011

Uttar Haryana Bijli Vitran Nigam Limited
- Assistant Lineman, Total: 1000, Age Limit: 18-40 years, Pay Scale: Rs 5200-20200+ Rs 2400/- Grade Pay
Forest Department
- Forest Guard, Total: 203, Age Limit: 17-40 years, Pay Scale: Rs 5200-20200+ Rs 2000/- Grade Pay
Health Department
- Store Keeper, Total: 16, Age Limit: 17-40 years, Pay Scale: Rs 5200-20200+ Rs 1900/- Grade Pay
Civil Aviation Department
- Storeman, Total: 1, Age Limit: 17-40 years, Pay Scale: Rs 3050-4590
Woman and Child Development Department Haryana
- Female Supervisor, Total: 278, Age Limit: 21-40 years, Pay Scale: Rs 9300-34800+3200/- Grade Pay
- Junior Engineer (Civil), Total: 121, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+3600/- Grade Pay
- The Engineer-In-Chief,Haryana,Irrigation Department
- The Engineer-In-Chief, Haryana, Public Health Engineering Department
- Junior Engineer (Mechanical), Total: 08, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+3600/- Grade Pay
- Draftsman, Total: 76, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+Rs 3200/- Grade Pay
- Signaler, Total: 10, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+Rs 3300/- Grade Pay
- Assistant Revenue Clerk, Total: 17, Age Limit: 17-40 years, Pay Scale: Rs 5200-20200+ Rs 2400/- Grade Pay
Food and Supplies Department
- Manual Assistant, Total: 4, Age Limit: 17-40 years, Pay Scale: Rs 5200-20200+ 1800 Grade Pay
Higher education Department
- Lascar, Total: 24, Age Limit: 17-40 years, Pay Scale: Rs 2610-3540

Haryana Seeds Development Corporation
- Salesman, Total: 24, Age Limit: 17-40 years, Pay Scale: Rs 5200-20200+ 1900 Grade Pay
Economical & Statistical Advisor Haryana
- Junior Field Investigator, Total: 16, Age Limit: 17-40 years, Pay Scale: Rs 5200-20200+ 1900 Grade Pay+ 50 Special Pay
Director Industries & Commerce Haryana
- Industries Extension Officer, Total: 30, Age Limit: 17-40 year, Pay Scale: Rs 9300-34800+ Rs 3300/- Grade pay
Municipal Corporation Gurgaon
- Assistant Architect, Total: 02, Age Limit: 17-40 years, Pay Scale: Rs 5000-7850/-
- Draftsman, Total: 05, Age Limit: 17-40 years, Pay Scale: Rs 5000-7850/-
- Junior Engineer (Electrical), Total: 03, Age Limit: 17-40 years, Pay Scale: Rs 5500-9000/-
- Office Assistant, Total: 06, Age Limit: 17-40 years, Pay Scale: Rs 5000-7850/-
- Computer Clerk, Total: 52, Age Limit: 17-40 years, Pay Scale: Rs 3050-4590/-
- Junior Engineer (Civil), Total: 14, Age Limit: 17-40 years, Pay Scale: Rs 5500-9000/-
- Junior Engineer (Horticulture), Total: 03, Age Limit: 17-40 years, Pay Scale: Rs 5500-9000/-
Home Guards & Director Civil Defence Haryana
- Platoon Commander, Total: 14, Age Limit: 17-40 years, Pay Scale: Rs 5500-9900/-
- Company Commander, Total: 52, Age Limit: 17-40 years, Pay Scale: Rs 6500-9900/-
- Havaldar Instructor, Total: 4, Age Limit: 17-40 years, Pay Scale: Rs 4000-6000/-
Industrial Training Department Haryana
- Workshop Calculation and Science Instructor, Total: 14, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3200/- Grade pay
- Welder Instructor, Total: 45, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3200/- Grade pay
- Drawing Instructor, Total: 20, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3200/- Grade pay
- Carpenter Instructor, Total: 22, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3200/- Grade pay
- Moulder Instructor, Total: 6, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3200/- Grade pay
Director Urban Local Bodies Haryana
- Junior Engineer (Civil), Total: 12, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3600/- Grade pay
Rajya Sainik Board Haryana
- Welfare Organizer, Total: 6, Age Limit: 25-52 years, Pay Scale: 5200-20200 + Rs 2400/- Grade Pay
Haryana State Cooperative Labour & Construction Federation
- Junior Engineer (Civil), Total: 4, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3600/- Grade Pay
Architecture Department Haryana
- Junior Draftsman, Total: 5, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3200/- Grade Pay
Haryana Sahitya Akademi
- Library Clerk, Total: 1, Age Limit: 17-40 years, Pay Scale: Rs 5200-20200+ Rs 1900/- Grade Pay
Haryana State Industrial and Infrastructure Development Corporation
- Clerk-cum-Typist, Total: 28, Age Limit: 18-40 years, Pay Scale: Rs 5200-20200+ Rs 1900/- Grade Pay
- Tracer, Total: 7, Age Limit: 18-40 years, Pay Scale: Rs 5200-20200+ Rs 2400/- Grade Pay
- Planning Officer, Total: 4, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 4200/- Grade Pay
- Draftsman Planning, Total: 7, Age Limit: 18-40 years, Pay Scale: Rs 9300-34800+ Rs 3300/- Grade Pay
Director Prosecution Haryana
- Stenographer-cum-Librarian, Total: 1, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3200/- Grade Pay
Director Archaeology & Museums Haryana
- Conservation Assistant, Total: 1, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3200/- Grade Pay
Director Public Relations & Cultural Affairs Haryana
- Art-cum-Lettering Assistant, Total: 1, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3300/- Grade Pay
Kurukshetra Development Board Kurukshetra
- Junior Engineer (Electrical), Total: 1, Age Limit: 17-40 years, Pay Scale: Rs 5500-9000
- Computer Operator, Total: 1, Age Limit: 17-40 years, Pay Scale: Rs 3050-4590
- Driver, Total: 1, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 4000/- Grade Pay
- Accountant, Total: 1, Age Limit: 17-40 years, Pay Scale: Rs 5000-7850
Haryana State Federation Of Cooperative Sugar Mills Ltd
- Personal Assistant, Total: 1, Age Limit: 17-40 years, Pay Scale: Rs 9300-34800+ Rs 3300/- Grade Pay
Haryana Dairy Development Cooperative Federation Limited
- Compressor Operator, Total: 4, Age Limit: 17-40 years, Pay Scale: Rs 5200-20200 + 2400 Grade pay.
- Junior Store Keeper, Total: 3, Age Limit: 17-40 years, Pay Scale: Rs 5200-20200 + 1900 Grade pay.
Agriculture Department Haryana
- Draftsman, Total: 6, Age Limit: 17-40 years, Pay Scale: Rs 5200-20200 + 2400 Grade pay
- Junior Scientific Assistant, Total: 34, Age Limit: 17-40 years, Pay Scale: Rs 5200-20200 + 2400 Grade pay
Haryana State Cooperative Supply & Marketing Federation Limited (HAFED)
- Lab Assistant, Total: 4, Age Limit: 18-40 years, Pay Scale: Rs 5200-20200 + 2400 Grade pay
Haryana Sanskrit Academy, Panchkula
- Data Entry Operator (Sanskrit), Total: 1, Age Limit: 18-40 years, Pay Scale: Rs 5200-20200 + 2400 Grade pay

Send applications before closing date 18/04/2011

Fee at the following rates should be deposited in the Haryana Govt. Treasury under the Head “0051-H.P.S.C.-(103)-Staff Selection Commission, Haryana-Application fee and other receipts.”

Cat. No. 1,3 to 8, 15 to 29, 31 to 34, Rs. 150/- Rs. 35 /- 36 to 40, 42 to 43, 45 to 49 and 51 to 54 • General Candidates: Rs 150 • SC/BC/ PHC candidates: Rs 35,
Cat. No. 2, 9 to 14, 30, 35,41,44 and 50 • General Candidates: Rs 100 • SC/BC/ PHC candidates: Rs 25

How to Apply:- All eligible candidates can send their applications to the Secretary, Haryana Staff Selection Commission, Bays No. 67-70, Sector-2, Panchkula PIN- 134151 through Registered Post before closing date 18/04/2011

Please check details with this link for http://hssc.gov.in/pdf/advt/1.2011.pdf Haryana Staff Selection Commission HSSC Recruitment 2011

Hottest trends in denim Jeans

Every woman should have one fantastic pair of worn-in, comfortable jeans that can be your go-to choice for casual wear. However, denim is more than just a relaxed pair of jeans. Check out the hottest trends in denim this season.

Dark wash jeans for work

Add a pair of dark wash trouser jeans to your workday wardrobe. You can partner your jeans with a ruffled white blouse or fitted blazer. Dark jeans look fabulous with pumps, as well as with ballet flats. And a big bonus with dark wash jeans is that they make you look slimmer.

Denim jacket over a frilly dress

An old school jean jacket should be a mainstay in your wardrobe. It's a timeless classic that can be worn in many different ways. This season, put on a denim jacket over a frilly spring dress for a terrific contrast in style that can't be beat.

Flared jeans and platforms

Put a little funk into your wardrobe with a pair of flared jeans and platform sandals or clogs. Flared jeans range from slightly flared to extremely wide-legged. Try on a few pairs and find out which style fits your body type and personality.

Tummy control jeans

Look five to 10 pounds lighter instantly with a great pair of tummy control jeans. Many brands, such as Not Your Daughter's Jeans and Miraclebody, offer jeans with a built-in control panels to hide your bulging midsection and lift your rear end. We really love Not You Daughter's Jeans Tummy Tuck jeans, which come in every style imaginable -- capri, flare, bootcut, straight, skinny and more.

Quick Tip

Avoid muffin top with high-waisted jeans from brands like Not Your Daughter's Jeans, Hudson and Old Navy. Dark jeans tend to be more flattering then light jeans because of their slimming effect. Denim jackets are great with spring & summer dresses but take caution when pairing them with more denim, you don't want to look like you're playing dress-up as a cowgirl!

Desktop or laptop?

This is probably the biggest dilemma everyone has now days. Choosing between a desktop and laptop isn’t very easy as both of them have their fair share of advantages and disadvantages. Now choosing between them should be based on a number of factors. Let us take a look at the following factors which would involve the decision on whether to buy a laptop or desktop.

Price

This is probably the most important factor. Now when it comes to laptops they tend to be more on the expensive side as you cannot really assemble and build one on your own. Desktops on the other hand are a lot cheaper as you can individually buy the components and build one on your own. Even if you buy desktops which are already assembled from companies like Dell or HP they are significantly less expensive when compared to laptops with the same configuration. For example if you consider the HP pavilion slimline s5310f and compare it to HP laptops with a similar configuration you would notice that the laptop is significantly more expensive.

Portability

If you need to have a computer on the go then a laptop is an obvious choice. Portability once comes in handy when you don’t really have the space in your home for a desktop computer or you would want to use a computer in different rooms. In this situation a laptop makes a lot of sense as moving a desktop would really not be worth the effort. Now HP desktops have an extremely slim case and monitor which are easy to move but they still aren’t as portable as laptops.

Performance

Now when it comes to performance laptops have closed the gaps over desktops and are almost as powerful as them. But when it comes to enthusiasts and gamers, a laptops performance would just not cut it and a desktop would be easily more powerful. The size constraint which a laptop has does affect it in terms of performance. Now if you are an average user that extra performance which you get with a desktop shouldn’t really matter. But power users will certainly want a desktop to do their job.

So based on these factors you should be able to decide as to what you really need.

Ways to make your cat happy

Don’t you absolutely love it when your cat purrs softly in a satisfied manner as it rubs its head across your face? On the other hand, if it was dull and depressed, you would consider it as a cause for great concern. A depressed cat is either bored or not keeping well. Once you are sure that your pet is healthy, all you need to do is to ensure that you keep it engaged. How can you do that? Well, here are three ideas that you could use to make your cat happy.

Window perches

There’s something in common with your nosey neighbor and your cat. Both love looking out of their windows into the yard and whatever lies beyond! You could make it more comfortable for your cat to watch the birds, squirrels or the traffic from your window by installing a perch such as the lazy pet kitty window perch.

Catnip

One of the easiest ways to get your pet all excited is to introduce a bit of catnip. Most cats find catnip irresistible. They’ll roll around, paw, purr and generally go all crazy for a few minutes. A whiff of the substance makes them euphoric. So, what would be better than toys like catnip mice, fish, cigars or even bubbles. You could also buy a catnip spray and use it on its favorite toy or blanket. A word of caution though, do not use catnip too often as it could affect your pet’s behavior adversely.

Interactive cat toys

Toys that require some participation from your end, such as the cat dancer wand toy, are very popular with cats as they love to play with their owners. If you need to be away or can’t spare the time to play with your pet, get an automatic cat toy like the FroliCat Bolt laser toy. There’s one thing that can make your cat happier and that would be getting a treat for playing! A mentally stimulating game like the Kit-E-Quiz interactive cat toy, in which your pet has to solve a puzzle to get the treat will not only keep it occupied, your cat will also get motivated by getting a treat at the end of the game!

One of the most satisfying sights for any cat parent is to watch their pet frolicking happily. Toys are a great source of entertainment for your pet, as is watching the happenings of the world from its perch. Ensure that your pet is happy by keeping it engaged in an activity that it enjoys.

Tata Indica EV2, New Tata indica ev 2 price in India

Tata Motors has launched Tata Indica eV2

Tata motors launched new Tata Indica eV2 the most fuel efficient car in India with a mileage of 25 kmpl which is certified by the Automotive research Association of India for the CR4 diesel engine.

TATA Indica eV2 sports an all new CR4 diesel engine that has a 1.4 liter diesel engine deliver 70 Ps @ 4000 RPM. With a higher torque of 140 NM at a lower 1800-3000 RPM. Improved gear ratios, starter motor protection and reduction in the weight of the car by 10 kg, the Tata Indica eV2 ensures a better pickup. The new CR4 engine has resulted in 32% increase in power, 65% increase in torque as well as a 46% improvement in fuel efficiency.

The Tata Indica eV2 is available in MPFI petrol engine also. Both petrol and diesel engines are compliant with BS4 emission norms.

TATA Indica eV2 Price in India - Tata Indica eV2 in the price range of Rs 3.95 lakhs and Rs 4.77 lakhs (ex showroom Delhi) for CR4 diesel engine and Rs 2.95 lakh and Rs 3.58 lakhs ex showroom Delhi for MPFI Petrol engine.

The Tata Indica eV2 car comes with a warranty of 24 months or 75,000 km.

Tata Indica eV2 Car Features:

Available in 4 colors Neo Orange, Mint White, Arctic Silver and Apple Green
Latest CR4 Diesel engine with 32% more power and better pickup
Four variants L, LE, LS, LX
Elegant shadow beige colour Interior
Auto-Drive Assist
Wooden finish centre console with Bluetooth enabled music system
Rear parcel shelf, 60:40 rear seating, front and rear fog lamps
4 spoke collapsible steering wheel, tachometer
Sporty alloy wheels
Power windows, keyless entry
2 Year or 75000 km warranty
TATA Indica eV2 Mileage: 25KMPL ARAI Certified

Tata Indica eV2 Technical Specifications:

1396cc common rail Diesel Engine, Bharat Stage 4
Power: 70 PS @ 4000 rpm
Torque: 140 Nm @ 1400-3000 rpm
Tyres: 165/65 R14
Seating Capacity: 5
Steering: Power assisted rack & pinion-Hydraulic
Transmission: 5-Speed Manual
Brakes Rear: Drum, Front: Disc
Fuel Tank Capacity: 37 Litre
Wheelbase: 2400mm
Length: 1665mm
Height: 1485mm
Ground Clearance: 165mm
Kerb Weight: 1080 Kg

uiicl, uiic recruitment 2011, united india insurance company

UIICL Recruitment 2011: jobs in UIICL | UIICL recruitment of (scale-I)

For further details on regarding uiicl, uiic recruitment 2011, united india insurance company United India Insurance Co. Ltd Recruitment visit at the following link - http://www.uiic.co.in/pdf/recruitment/Advt-2011-website.pdf

United India Insurance Co. Ltd (UIICL) - united india insurance company invites applications for uiic recruitment 2011 for the post of Administrative Officer (Scale I). There are total 300 vacancies. UIICL Online registrations are open from 7-26 Feb 2011. Written Examination will be conducted on 27th March 2011.

Age limit is 21 – 30 years for uiic recruitment 2011. Application fee is Rs. 500. No fee for SC/ ST/ Persons with Disability (PWD), Permanent Employees of UIICL. Candidates will be appointed on probation for a period of one year.

Fee can be submitted through any Branch of State Bank of India by Fee Payment Challan in favor of “UNITED INDIA INSURANCE COMPANY LIMITED”. Fee should be paid in Account No. 31601917796. Fee Payment Challan should be filled in BLOCK LETTERS.

New Models for 21st Century

It is high time that these models do something new in fashion. They could be thicker, muscular, to play or to perform some acrobatics on the catwalk. See for example these girls. They are beautiful! Imagine them just on the catwalk or a magazine.

Kylie Ann Bisutti Has Joined the Victoria’s Secret Angels

Kylie Ann Bizutti has made the hard way to find herself on the catwalk together with Alessandra Ambrosio, Miranda Kerr and Rosie Huntington-Whiteley.

In 2009, the then 19-year-old newly married girl participated in the Victoria’s Secret Model Search contest and won it, becoming the best among the 10 000 models.

Now, in the age of 21, she is gradually becoming more and more popular and has the potential to replace any star of the now famous Victoria `s Secret “angels“.

Another confirmation of the fact that we will hear a lot about Kylie in the nearest future is the photo session in the March issue of FHM, where the girl demonstrates her natural benefits, which helped her to achieve popularity. The girl told the reporters what is especially pleasant about popularity:

I am receiving a lot of underwear – and it’s completely free.
And recently I have been to a resort in St. Barth, and lived in a huge room, and it was a five star hotel. It’s crazy how much they spend on their girls.

Kate Winslet for Lancome L’Absolu Nu Lipstick

Kate Winslet is gorgeously lascivious in the new Lancôme’s L’Absolu Nu lipsticks ad video as she strikes seductive poses on the floor having only a scanty satin sheet for cover. The clip, shot by Mario Testino, shows the actress in a peroxide blond pixie cut, the marvelous soft locks she wore so proudly in British Vogue.

Winslet-graced Lancôme’s L’Absolu Nu lipsticks, made to be a shade lighter and more sparkly (achieved via the addition of mother of pearl fragments) in comparison with the brand’s L’Absolu Rouge collection, are available in 12 different colors at the price of $29 apiece.

The tendency to get actresses undressed for doing beauty products ads seems to be growing, what with Kirsten Dunst also all but disrobed by Italian luxury house Bulgari for their new fragrance Mon Jasmin Noir ad campaign.

Loan against property can cut interest costs

Generally, people accumulate assets to cocoon themselves in the safety net of financial security. However, when a sudden need for funds arises and they need to borrow from a bank, they often neglect to utilise their assets to reduce the expense of their credit.

Right from education needs for your children to financing a business, the first thing that would come to mind is, ‘Where would I get the money from?’

One of the options available is taking a loan. You could take a personal loan for the amount required, or you could take a loan against your property.

What is a loan against property?
A loan against property (LAP) is exactly what the name implies — a loan given or disbursed against the mortgage of property. The loan is given as a certain percentage of the property’s market value, usually around 40-60%. Loan against property belongs to the secured loan category where the borrower provides a guarantee by using his property as security.

The borrower can either opt for an overdraft option where he is required to pay interest only on the amount withdrawn or a lumpsum loan amount. The disadvantage of an overdraft facility is that the interest rate charged may be higher, in some cases up to 0.5% and also annual processing fees will be charged.

Besides, if you want the overdraft facility, you have to take the loan only from a bank as other financial institutions do not offer a saving/current account. In case of a lumpsum loan, processing fees are charged only once when the loan is taken and also the individual can approach either a bank or financial institution for the loan.

What purposes can I take a loan against property for?
Loan against property can be taken for expanding your business, getting your son/daughter married, sending your son/daughter for higher studies abroad and funding medical treatments.

How is LAP suitable?

Long-tenure loans: For individuals requiring funding for a long period of time, LAP can come very handy because the tenure of these loans can be a maximum period of 15 years.

Large loan amount: Individuals requiring substantial funds also should consider this loan option as a large loan is possible. Of course, it depends on the property value. There is no restriction as in case of personal loans where the maximum loan permissible is Rs10 lakh.

Lower rate of interest: On account of the security provided in terms of the house, the rate of interest charged by banks tends to be much lower than personal loans.

What kind of properties can I mortgage for a loan?
You can normally take a loan against your self-occupied or rented residential property. This could be a house or even a piece of land.
What are the eligibility criteria to get a loan against property?
These criteria will vary from one bank to another. However, of all factors, the most common are:
Your income, savings, debt obligations Cost/value of the property mortgaged. Your repayment track record for other loans, credit cards, etc

What are the usual interest rates and tenure for repayment offered for a loan against property?
Interest rates on loan against property range 13-16% and the loan tenure can be up to 15 years.
LAP advantages

1. An idle asset can be utilised to aid financial comfort.
2. Loan processing is comparatively faster than a housing loan.
3. You can prepay this loan without any penalty. By prepaying whenever possible you can bring down the cost of credit (some banks permit a minimum part-payment of Rs5,000 most start at Rs10,000).
4. You can increase the borrowed loan amount through a refinance option, when property value rises. This is particularly useful for expanding a growing business.
5. You will retain property ownership. In the event of being unable to repay, the property can be sold to settle the dues with the surplus cash allowing one to start afresh. This can been a boon in case of a financial crisis as property value generally rises, providing you a platform to rebuild your finances.

Some disadvantages of LAP

1. Banks generally do not provide loans beyond 60% of the value of a house property and 50% of a commercial property.
2. New businesses generally cannot have access to LAP. They should have been in existence for at least 3 years. Salaried individuals, of course, can get it if they are employed for over 1 year itself.
3. There will be some processing charges usually in the range of 0.5-1% depending on the support given by the bank. Some banks may ask us to do the running around to get the encumbrance certificate and legal opinion ourselves and charge us lesser.

A loan against property is one of the best ways to raise money. The most obvious disadvantage is losing your property in a bid to repay the loan. Hence, base your decision on your repaying capabilities.

How to lower your motor insurance premium

Use no-claim bonus, online discounts or negotiate hard to get it reduced. Buying a motor insurance policy is easy. But don’t be in a rush to buy one if you want a discount on the premium.

Motor insurance policies are of two types — a liability-only policy where the cover is provided for third-party liability (TPL) for bodily injury and/or death and property damage. In addition, there is a personal accident cover for the driver. This cover is mandatory under the Motor Vehicles Act.

Second, there is a comprehensive policy that covers loss or damage to the vehicle insured and TPL. It entitles you to claim compensation, in case your vehicle is stolen or damaged. Also, there is a cover for additional liabilities.

Motor insurance premiums, in case of the comprehensive policy, consist of two parts — own damage premium and third-party damage premium. The former is 80 per cent of the total premium. If one is seeking discounts, one can get it on the own damage part.

No-claim bonus
How to use exiting ‘no-claim bonus’ to the advantage, to get a discount on his first-year premium on new car.
No-claim bonus is a discount granted during policy renewal to customers, who have not claimed insurance in the previous year. The discounts start at 20 per cent in the second year, and go as high as 50 per cent in the sixth year. It means a saving of minimum Rs 1,600 (at 20 per cent) on a premium of Rs 8,000 for a car insurance policy.

Online discounts
Insurers, too, are looking to incentivise insurance customers by giving discounts to those buying or renewing policies online. It helps the company save on processing and intermediate costs, besides sourcing valuable customer data.

Those who log on to our website are asked to give information about themselves, and depending on how much they are ready to share, they could get an additional two-five per cent discount on their premium.

Differently-abled persons
Not many are aware that differently-abled people opting for a customised car are offered a good 50 per cent discount on their premiums by insurance companies.

Negotiating discounts
Although this cannot always be counted on, most car insurance agents are willing to share a part of their own commissions with a new client. Some of the other optional discounts are already mentioned in the proposal form:

Voluntary excess
Insurers offer customers an option of voluntary excess. It results in the customer bearing certain amount of loss each time files a claim. This amount would be considered as the voluntary deductible amount and the customer is eligible for a discount.

If a customer perceives oneself to be a safe driver and if the usage of the vehicle is limited, he can use this option. The deductible ranges from Rs 1,500-15,000 and discounts for opting these deductibles are between 15-35 per cent.

Anti-theft device
Installing an anti-theft device, such as a central locking system or an alarm, can help you get a discount of 2.5 per cent of the premium. The device, however, has to be approved from the Automobile Research Association of India.

Insurance companies believe the more you care for your car’s safety, the lesser claims you are likely to make.

Memberships
Members of a recognized automobile associations, such as the Automobile Association of India and Western India Automobile Association, are eligible another five per cent on the premium.

www.npcil.nic.in - NPCIL Recruitment 2011 Jobs vacancy of Executive Trainee

Check details for NPCIL recruitment 2011 at www.npcil.nic.in.
The latest advertisement No.NPCIL/HRM/2011/03 has been published on the posts of the Executive Trainee (ET-2011) opened for Indian citizens.

The Nuclear Power Corporation of India Limited (A Government of India Enterprise) is looking for Engineering Graduates to send their applications for the below given posts as details published in the current NPCIL Recruitment 2011

Executive Trainee (ET-2011)
Total: 250 Posts
Disciplines: - Electrical, Electronics, Mechanical, Chemical, Instrumentation, Civil
After successful completion of one year training they will be appointed as Scientific Officers in any one of the units/sites/offices of NPCIL located at different parts of the country.

Send applications before the closing date: 01.04.2011

Please check advertisement for the NPCIL Recruitment 2011

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