CIBIL – Defaulter Vs NPA

NPA stands for Non Performing Asset.

Are you listed in CIBIL defaulter list? If so, do not get panic. Listed as defaulter is not so serious like NPA. Many do not aware of NPA. Defaulter status does not eliminate your chances to get next loans completely.

Even if you miss one EMI you can be declared as ‘Defaulter’ though you complete the loan later. If your next creditor or bank denying to issue loan since you are defaulted in the EMI in last loan, you can give valid reason to Justify why did you defaulted and you are having a scope to convince the loan issuing authority. You can give reason for why you have defaulted your EMI. Like, You are sick, you are fired and etc provided you should have cleared your loan.

What is more serious than ‘defaulter’ is NPA. If you are listed in NPA list, you are at dead end. You can not get loan from any nationalised or private banks. If a bank manager issues loan to a person who is listed in NPA, can be sued. The person issues loan has to justify why he has given loan to person who is listed by CIBIL as NPA.

NPA is deadly than Defaulter.

If you miss out an EMI, you can be listed as Defaulter. Next month you continue to pay your EMI including the pending EMIs. In case you fail to pay the EMI for the next three months, your loan is a Non Performing Asset to the Bank.

If any loan does not yield result(EMIs) for 90 days, it is a Non Performing Asset( NPA ). The loan holder’s creditability is completely damaged. If any loan which is not functional for more than 90 days, it has to be mentioned in NPA, otherwise the manager or authorised person has to give reason why the loan is not listed in NPA.

How to avoid listed in CIBIL defaulter list

If you know that you are not able to pay your EMI for next month or so, you can inform the bank in advance in writing and confirm that you can pay cumulatively later on. So that your case may not be informed to CIBIL by your bank.

Keep good relationship with your bank. Inform your situation if things go wrong, in advance and confirm that you can pay the loan even if you fail one or two EMIs, in writing. This will maintain your creditability with the institution where you get loan and may avoid you get listed in CIBIL defaulter list.

How to avoid listed in NPA list

If you are listed in defaulter do not worry, but resume paying your EMI within 90 days.

NPA is a killer status than Defaulter.

Mobile Browsing

Converting normal websites to ‘mobile browsing’ is really needed? If needed, how to implement it easily?

Right now there is no such traffic or data transfer from mobile devices like desktop or laptop. There is no guarantee that people will switch to mobile browsing to surf the internet as on date.

If we compare the previous history of desktop browsing, I predict sooner or later mobile phones will be used for browsing more than desktop computers.

Desktop browsing increased when the bandwidth capacity increased by Internet Service Providers (ISP). Because of the high speed broadband connections at affordable cost, video and audio streaming is made possible to the internet.

Desktop browsing got momentum because of high speed internet connection and higher bandwidth.

In the same manner speed and bandwidth of wireless/GPRS internet connectivity increased, mobile browsing will get momentum.

Mobile browsing will generate more traffic than desktop computers when the speed and bandwidth of wireless internet connectivity increased.

The SMS communication among present generation youngster makes sure that they have better ‘dexterity’ with mobile phones than computers. When this ‘present’ generation matures to middle ages they prefer mobile phone than computer to browsing.

Technology growth has great impact in life style changes.

Desktop browsing may be obsolete when ISPs increase the speed and bandwidth of wireless internet connection.

At one point of time, most websites will have dual versions. Once for desktop browsing and another for mobile browsing.

Techie guys will manage with the single website for both desktop and mobile browsing with little compromise in user experience. This site is such one. I do not maintain two different domains for desktop and mobile browsing. You can view this site both desktop and in cell phone browser with ease.

Camphor – Natural Mosquito Repellent

Camphor is a Natural mosquito repellent. You do not need to burn it.

Have a cup of water. Let the cup or plate or vessel has wide opened to mouth to easy evaporation of water.Drop the Camphor into the water. Keep the cup with water and camphor in your sleeping room. The quantity of water and camphor may differ from room size. Let the windows be closed as usual.

Camphor dropped in water is a natural mosquito repellent.

Water evaporate at normal temperature. Camphor slowly started dissolving in water. The water evaporates with Camphor smell. Adding little bit hot water gives instant action. No boiling water, little bit hot with comfortably drinkable.

Camphor is a auspicious item used in worshiping God in India. The Local name of Camphor is ‘Karpuram’.

Many people do not aware of the Mosquito repellent power of Camphor. A simple solution without side effects and cost effective.

Mosquitoes still do not re-engineered their gene code to defend camphor.

Heart Attacks False Belief and Hypothesis

Sugar, Blood Pressure and Heart Attacks. Which is the worst disease? Can diet and exercise prevent them? Are they genetically induced?

The above three are not induced by external bacteria or virus. They are body’s by products from our diet and depending upon the metabolic rate of our body. Metabolic rate varies from individual to individual.

There are various belief system or hypothesis prevailing in the society about heart attack.

Avoid eating oily foods to prevent Blood Pressure and cholesterol. It is really true? I am not sure and nobody gives guarantee for that. You consult a doctor, ask him a written guarantee as you will not have Blood Pressure Or cholesterol or heart diseases if you avoid oily foods. OK, include meat in the avoiding list. You become vegetarian.

Now consult a doctor and ask a written guarantee from him as you will not have sugar, BP, and heart diseases. Doctor will not give a written guarantee.

Because, he can not also give a written guarantee as people eat oily foods, meat must have sugar, BP, and heart diseases.

In reality there is no rule that eating oily foods, meat, and a heavy diet should bring sugar, BP, heart diseases.

In the same way, there is no rule that avoiding oily foods, meat, and a heavy diet should not bring sugar, BP, heart diseases..

Got it?

There are various hypothesis about foods and its effect in body.

The impact of food over body varies from individual to individual depending upon the metabolic rate.

Eating rice will bring Sugar, so eat Chappati(wheat). Eating Chappati will increase your body weight. So you will have Blood Pressure. Anyway you will have Sugar or Blood Pressure even though you avoid Rice or eat rice.

Skipping break fast will bring heart attack. Drinking hot water reduce cholesterol level.

Is it a scientific fact or hypothesis?

If a disease is genetically programmed to you by birth, what is the role of food in bringing the disease. If Sugar is genetically programmed, irrespective of you eat rice-sweet items or don’t, you will be a Sugar patient sooner or later.

If you cholesterol is secreted by your body which is programmed genetically, damn sure you will die by heart attack even you avoid meat and oily foods.

The role of Gene and Diet in bringing the disease is still a mystery, so leading to countless hypothesis and belief and ‘sayings’.

I like bajji (Capsium and onion) very much, but because of the fear of Blood Pressure, fat, cholesterol and heart attack I avoid eating it. There are list of foods I avoid because of the fear of disease and death irrespective of my likings.

I am not sure if Bajji brings the disease or I am genetically programmed.

I walk nearly four to five kilo meters a day to avoid disease. You must know it is painful to walk everyday when you are walking because of the fear of disease rather than you like to walk.

Walking for the sake of interest and walking for the sake of disease are totally different.

Act by fear and Act by like – both have drastic different. I feel walking by fear of disease brings other sort of disease psychologically or physically. It is better to stop walking out of fear, which may land you up on some other misery or mystery.

Walking can prevent the killer diseases or it can not prevent the killer diseases. I am not sure. I feel believing anything is a hypothesis. Because it works for somebody and does not work for others.

What works for me may not work for my brother or sister or friend. But what I do is if anything works out for me I started creating a new hypothesis and spread it. Rest of the people blindly follow it.

If a doctor cures your disease you immediately start recommending everybody to that doctor. But there is no guarantee that he can cure all.

When I look into the ‘sayings’, practices, prevention tactics, diet controls and etc to avoid Sugar, Blood Pressure, and Heart Attack, I feel the whole humanity is living by hypothesis. Life is full of hypothesis.

Heart Attack is not a disease. It is a call. Call to bid farewell to this world. It is better to die by heart attack within minutes rather suffering for years and years in Sugar and Blood Pressure.

Even many saints and yogis ‘leave this world’ by heart attack, because it is quick and easy.

Preventing Sugar, Blood Pressure, Heart Attack is not going to stop you from Death. It is a fact not hypothesis.

Whether you follow diet control, exercise, regular checkup with doctor all may help you prevent the killer diseases, but you can not escape from Death. You may not die by sugar, bp or heart attack, but you will be die by some other disease or by accident.

The worst disease is ‘Health Conscious’, not Sugar or Blood Pressure or Heart disease.

‘Health Conscious’ prohibits you from eating what you like to eat and doing what you like to do. It forces you to eat what you do not like to eat and do what you do not like to do.

Health conscious people do exercise, maintain their diet to avoid Sugar, Blood Pressure, and cholesterol.

By having too much health conscious some people avoid those diseases but bring uncurable mental disease called fear.

Fear of disease, fear of death itself a psychological disease.

Coltan

Right now everybody has Coltan in their hand, pocket, and bags. It is kept close to human chest and head.

Coltan at micro level mingles with everybody in the Age of Semi Conductors.

Coltan is a hard ore used in high performance semi conductors as capacitors to control the current flow. It is notable for its high heat resistance.

Coltan is widely used in mobile phone and hand held devices industry. It is used in Laptops and IPODs too.

There is a sudden demand for Coltan since 2000 due to expanding mobile phone market.

Awareness of Coltan and its impact in Globe especially in Central Africa is not known to common man who use mobile phones. It’s awareness is at the techie level.

Common man should have the awareness of Coltan and its appliances and its impact to humanity and environment.

A Century back Coal and Fossil fuels were unearthed. Now we face the nemesis. Now Coltan is unearthed, who is going to face its nemesis in the future.

Life of Addiction – Silicon Civilization

Addiction is a very important behavior in human life. It is a way to program our brain. Biological to mental many behavior and many things are happening because of addiction only. With or without our awareness we get addicted to many things. Some addictions are good and some are bad. Some addictions are genetically passed.

Once you are get addicted it is very difficult to give up. You must be well aware of ‘Practical Awareness’ to give up any habit or addiction.

From smoking to going late to office everything is addiction only. There are few people who always come lately to office. Because they addicted to ‘going late’. Even they do not know why they are late.

Some people are always happy and some are always sad. Somebody get friction with colleagues, superior, management wherever they work, they get addicted to office politics. Some people will change their job in short intervals, because they get addicted to ‘Job Hopping’.

I am going to discuss some addictions of ‘Silicon Civilization’, which are waste of time and energy.

Browsing Addiction
Browsing addiction which are major addiction to people who work with internet. More than 90% of the browsing is un purpose. Just a digression from why we start browsing.

Many software related people or anybody with access to internet browse in a useless way. For example, you are a web application programmer. You access internet or browse while programming or searching some technical help. But What do you do when you do not have anything to work, you are in ‘bench’. Even now you browse, without your awareness as why you are browsing.

Do not cheat yourself as studying or learning. If you browse one hour per day for learning which will have great impact in your career positively.

Many time, when I was sitting in front of computer without any work. I watched some feelings in my fingers. Even I do not have any purpose to browse, my fingers tempt to type something move the mouse, search something, finally browsing begins. It is because of addiction. If you are addicted to browsing, you will browse even without any true purpose.

Take an observation when you do not have any work and sitting in front of computer with internet access. No purpose of searching or browsing. Now watch and record all your activities. Many browsing are un-necessary. You land in a gaming site or chatting with a ‘friend’ or viewing porn or listen to music or reading this article or checking your email for 76th time.

When you do not have any work, sit in front of computer and try not to touch the key board and mouse at least for one hour. Now you can feel what is ‘addiction’. Some times without your intention your hands will ply over keyboard. Your mind creates so many flimsy reason to browse.

Empty mind is devil’s workshop is 100% true for programmers in bench and people who browse without any purpose. Try not to touch the keyboard for one hour a day while sitting in front of the computer.

Mobile addiction: Some people can not live without using Whatsupp, Facebook. Addicted to Whatsapp, facebook and keep disturbing others. Without any purpose use their study time and office hours to engage in Whatsapp.

In the same way people addicted to talk over mobile phone. The talk is no-stop. They keep talking, words and words. All are useless. Waste of time. Many people get into problem because of addicted to ‘non stop mobile talk’. For the sake of speaking discussing personal things, gossips, creating rumors, bad comments about others. Moreover speaking in public places, without the awareness that others can listen your speech.

Because of the mobile addiction, mobile phone and telephone networking companies are profiting. I heard a news as leading mobile company proprietor do not use mobile phone personally as not necessary to him. Mobile phone addiction is part and parcel of Silicon Civilization.

Chaos Theory – Coltan – Mobile Phone Usage

Chaos Theory can be understood from using mobile phones.

Are you using mobile phone? If yes, You are killing Gorillas. You force many people in central Africa to be a smugglers, slave labors, and miners. Many boys are driven to work in mines because you are using mobile phones.

Can you believe it? Yes, it is true. Every mobile phone users are causing civil war among the African Nations Congo, Rwandan, Uganda and Burundi. This is chaos theory. Your mobile phone craze is creating war in Central Asia. Hand digged central African mines are exploited for you.

Here is how the chaos Theory worked out with Mobile phone users:

Mobile phone needs a hard mineral called Tantalum. Tantalum is the industrial name. This Tantalum or tantalite is mainly mined in Congo a African Country. The original name of Tantalite in Congo is COLTAN.

Coltan has the higher heat resistance. It is used as capacitors in high performance semi conductors. It is used/needed in high performance circuit boards of hand held widgets. Coltan used to control the current flow in circuit boards of the mobile phones. Without Coltan or tantalite mobile phones may not have such a high performance. Or there is no alternative to coltan is found so far. Your mobile phones circuit board uses Coltan or tantalite to control the current flow.

To make a mobile phone Coltan is needed. Coltan is mined in Congo forest areas. No need to say how much demand is for Coltan in this Age of Semi Conductor. Like Gold Rush in California in mid 18th century, now a Coltan rush in Congo.

So Congo forest are ‘cleared’ for mining Coltan. The main area where Coltan is mined, also contains the Kahuzi Biega National Park, home of the Mountain Gorilla. No need to say what will happen to wild animals when deforestation done. You can understand that the count of Gorilla is getting reduced. Soon, mountain Gorillas in Congo will be listed in Endangered species (might be already listed).

Because of the high price and demand people started smuggling the Coltan from the Congo miners and sell it for high cost. Rwandan, Uganda and Burundi are selling Coltan even though they do not have Coltan mines. Coltan war and Coltan smuggling are happening at the borders of Congo,Rwandan, Uganda and Burundi.

Due to the rapid expanding mobile industry, there is a greedy demand for Coltan which resulted in emergence of Coltan Mines Labours. Coltan mines labor includes all age group of people. Like pressure on Indian software developers, Coltan miners are under constant pressure to dig more and more.

When you receive a call, attend a call, send sms, receive sms, listen to songs, watch videos and photos in your mobile phone or other hand held devices, please aware of the consequences of your action which impacting other part of the globe.

You and we are part of chaos Theory. Every call we make at the cost of disturbing the Gorillas life, some body smuggles and some body engage in war and some body works days and night in mines.

The environmental issues of using Coltan is yet to be researched.

Why you should not do freelancing

Freelancing is thriving in software outsourcing industry. But it should not be done. Though it may give additional income in short run, it has subtle negative impact on the life of freelancer in long run. This topic is applicable to any type of freelancing followed by a Day Job.

Freelancing Takes Away your Time.
Human is not a working machine. We are working to live or living to work? If you do freelancing along with your day job, your whole time is taken away. Even after coming from office you have to sit in front of your computer and continue the work till midnight or full night. You will not have time to spend with your family, friends. You will not have time to spend with what is interesting to you.

If you have any hobby, you cannot engage in your hobby. Keeping too busy may be a center of attraction for a short while. But in long run you miss out your human circle or your family, friends may forget you.

Freelancing gives More money without time to Spend it.
You will have more money but without time to spend it. It is meaningless. A money which not spent is practically does not exists. Earn money along with the time to spend it. You live when you spend your money.

Freelancing Create Tension.
Those who do not have computer in their home, try to do freelancing works secretly in office. In between office works they do freelancing works. This creates tension and fear. You should be fearing about what will happen if anybody trace your activity. Moreover, you will have more work load in short time (both office and freelancing work), which ultimately reduce your quality at both office and freelancing.

Do not depend on Freelancing Income.
Freelancers slowly develop confidence over their freelancing income and customers. They slowly under estimate or starting to neglect their day job responsibilities. Start thinking they can start a company on their own. Thinking of even giving up the day job, irresponsible to their immediate boss at office. You become rebellious or uncontrollable in your day job office.

Practically, freelancing income is not a residual income. If you stop freelancing or if you do not get a client, you will not get additional income. Additional income is charm full when you have main income. If you do not have main income, you can not live within additional income. Always give top priority to your day job. Freelancing is not a residual income. Do not depend on it. It may disappear at any moment in your life.

Freelancing may Create a Guilty Feeling if your Day Job Boss is Kind and Honest.
You are accepted by your Boss as you are. Your heart beat is not changing when you see or speaking to your Boss. You are paid regularly and promptly. You have a good rapport with your Boss. In this case, you will have guilty feeling when he comes to know your freelancing activity. Damn sure you will have guilty feeling.

Conclusion.
Work without rest, less sleep, tension, fear, over confidence, money not able to spent, and Guilty feeling will reduce your quality of life in long run. It will affect your self-esteem too. So avoid engaging in freelancing. Freelancing is not a financial security or residual income, it is a trap. Do not freelance.

How to Avoid Emotional Hijack

Emotional Hijack can be avoided by three ways.

1) Emotional Intelligence Quotient( EQ)

2) Ventilate emotions then and there

3) Unconditional love towards rest of the world.

Emotional Intelligence Quotient(EQ)

EQ is about managing your emotions. You should not be explosive in your emotions. You should be having control over expressing your emotions. Top business management people have high EQ. You can not read the emotions or reactions or feelings of the leaders or successful bosses in the world easily.

People having high Emotional Quotient never get hijacked by emotions.

Ventilate emotions then and there

Ventilating emotions then and there will avoid emotional hijack. You are not bottle necking or suppressing any emotions. Even your negative emotions are emptied after expressing it.

This approach is not possible for all the people.

Suppose in your office, your boss or immediate supervisor irritating you. You are angry because of their tossing. You can not express your anger to them then and there. If you do so, you may loose your job. So you have to suppress it behind a smiling face. Once you go home, you can ventilate the latent anger to your family members in some way.

Only the Bosses or leaders or people with the ability to provide can follow this approach – express your emotions then and there.

Unconditional Love

Unconditional love will avoid emotional hijack. You will not have negative feelings to suppress by other’s activity. You treat everybody as your child or kid. So you will not get angry or irritated by other’s behavior towards you. So there is no chance for emotional hijack if you follow unconditional love.

Unconditional love is possible to you when you get rid off your inner negatives. Which is not possible for an average people who are obsessed to dodge wealth, health, pride, and other physical and ego needs.

The best way to avoid emotional hijack out of the three approaches is learn and improve your Emotional Intelligence Quotient (EQ).

The best example for EQ is Black Mamba character in Kill Bill movie. The role was done by Uma Thurman. I am not aware whether Uma Thurman has EQ or not. But her role in Kill Bill I & II can be an example for having EQ.

When she wake up after bed ridden for several years, she does not express her emotions for loosing her lover and child. She does not cry. Till revenging everybody she does not let her emotions blow out.

Even while facing and fighting with the offenders she did not weep or get angry, but she supposed to be like that.

After killing the boss Bill, she returns to home. She cry for what happened so far in her rest room at the end of the movie while her kid watching TV.

She let her emotions when she decide to ventilate. Such control over emotions is perfect EQ.

Office Politics

People working for few tens as salary to few millions as salary. All are doing office politics. I do not know why people are doing politics.

Here is my analysis or hypothesis about Office Politicians.

People have no big inner motive to do politics.

Some motives are, Get closer to the Boss, by separating others. They keep blaming others and act well as good they are. They show more interest in the organization more than the Boss.

Make the boss feel so important to them. They are so favorable to him. All are fake, just politics. Getting close to Boss is a simple ego game.

All are acting. They are the people who run away from back doors during emergency. Politicians are good escapers.

All are due to fears. They fear for job security. If they do not have fear of loosing job, they do not do office politics.

Office Politicians pollute the friendly working atmosphere.

Skilled people never do politics. They do not have time to think of politics. They speak through their work. They have confidence and knowledge and real experience to survive anywhere and everywhere at anytime and all time. They give earnings to the
company.

Office Politicians suck the company.

They make the really talented good human resource to move away from the company. They do all sort of cheap politics to disturb talented human resource by the fear that they may lose importance.

They keep disturbing the employees who really bring income to company. They have the urge to dominate employee who is economically beneficial to company. Many bosses are fools; they believe the hypnotism of cheap politicians.

Be aware of corporate politicians and their politics. This awareness will help to safeguard our self and also to counter play.