R1- Pho

Reading Set 1 

1. V1: m, a, s, d, t, i, n, p, g, o
2. V2: c, k , u, b, f, e, l, h, sh, r, j
3. V3: v, y, w, th, z, ch, qu, x, ng, nk

Writing Set 1 

1. V1: m, a, s, d, t, i, n, p, g, o
2. V2: c, k , u, b, f, e, l, h, sh, r, j
3. V3: v, y, w, th, z, ch, qu, x, ng, nk

Useful Links:

Read Write Inc - High View Primary Learning Centre

Read Write Inc | Millbrook Primary School

Free eBook library | Oxford Owl from Oxford University Press

Blend: Free eBook library | Oxford Owl from Oxford University Press

Why gold price is decreasing? - Analysis by Ram [rbpatnaik]

What has turned this safe avenue into a loss-making investment? The main reason for gold's short-term weakness is the rise of the dollar due to the economic crisis in Europe. The dollar has also moved up on the hopes that the US economy is emerging from its crises, which could nudge the Federal Reserve to withdraw the stimulus package earlier than expected.

Surprisingly, this has happened at a time when global cues should point to higher gold prices. The Eurozone is stumbling from one crisis to another, but the Cyprus debacle didn't do much for gold. Even the recent sabre rattling by the nuclear-armed North Korea hasn't boosted gold prices, raising questions whether the precious metal has lost its traditional status of a safe haven during uncertain times.

A European Commission assessment of what Cyprus needs to do as part of its European Union/International Monetary Fund bailout earlier this week showed it was set to sell gold reserves to raise around 400 million euros ($525 million). While Cyprus' gold sale in itself is small, heavily indebted euro zone nations such as Italy and Portugal could also find themselves under increasing pressure to put their bullion reserves to work. Gold slipped to session lows on Wednesday, pressured as European Commission documents showed Cyprus plans to sell 400 million euros' worth of reserves to finance part of its bailout .

The sale plan, set out in a draft assessment of Cypriot financing needs prepared by the European Commission, would be the first major gold disposal by a euro area central bank since France sold 17.4 tonnes of gold in the first half of 2009.

At current prices, 400 million euros' worth of gold amounts to 10.36 tonnes of metal. Cyprus' total bullion reserves stood at 13.9 tonnes at end-February, according to data from the World Gold Council.

Portugal holds 382.5 tonnes of gold, worth some 14.76 billion euros at current prices, in its reserves, while Spain's holdings stand at 281.6 tonnes, worth 10.8 billion. Italy is the world's fourth largest gold holder, with 2,451.8 tonnes of gold in its reserves, worth 94.6 billion euros.

Thanks for reading and looking forward to hear from you... please post your comments :)

Present Economy of India:

Recently I read in newspapers that India’s economy is not growing good, India working without a leader: Azim Premji, and etc. (Source: http://ibnlive.in.com/news/we-are-working-without-a-leader-in-india-premji/265765-7.html)

After reading all this news I want to check out, Is India’s economy going down, Is it really matters?

I extracted past and current data of GDP for few countries to compare the economy of India. The following are statistics.

Past 10 yrs GDP:

(Source: http://www.indexmundi.com/g/g.aspx?v=66&c=gm&l=en)

India had grown excellent for the past 10 yrs (2000 to 2010), indeed she had chased Chaina which maintained better economy growth than other countries in the World.

None of other developed countries (US,UK,Germany and etc) even could not reach to close margin with India’s growth rate. Infact, few countries reached negative growth rate in 2009.

So….India had grown good..

Present GDP:

Yes !.. India has marked less growth(5.4 % in 2012 Q1) compared to highest growth 10.4% in 2010.
Is it because of “India working without a leader: Azim Premji “ ….?
Is India’s economy not growing good as some political leaders in India are saying?

Yes! I agree that India’s GDP is less compared to China’s GDP, but still India has reached considerable growth compared to other developed and developing countries.

Indeed, UK does not have growth rate, Japan is in NEGATIVE GDP, Russia just have positive growth rate which had GDP -7.9 (negative) in 2009.

Do you think current internal matters effecting India’s growth rate really?
Is India working without a leader ?

Feel free to post your comments/ views below ....
Thanks for reading...
Have a great day

My mistake While Trying to Purchase a Flat

Hi Friends,

I am posting here a mistake which I did while trying to purchase Flat.




This apartment was built by a developer who had taken land from flat owner. Flat owner got 8 flats as his share out of 20 flats. I tried to purchase a flat in of those 8.

After seeing flat with my father and friends. I was ok with flat and sat at the owner's place for the final negotiations. Finally decided a price. Owner family looks good, I spoke to them couple of times before with all their family members. They told many stories, their family staying since his fore fathers, they had lot of assets here. They had shown his brother's land near by. I had in mind set that they had lot of property here and good family.

After fixing the price, flat Owner asked me that when would I give him token amount so that he would not show that flat to others.

Me: I told them I will give token amount today. After that I will go for flat document verification with a lawyer. If lawyer says the property is fine, I will go for Agreement. Then I will apply for Bank loan, I will go for registration when I receive bank loan (generally home loan sanction takes 20 to 30 days).


I had given token advance 50,000 to flat owner before paper verification. We don't have stamp paper at that time. My father insisted us at least get signature on white paper that I had paid token advance 50,000. We got signature of owner, me and my friends as witnesses.

I went to lawyer with papers.

I asked lawyer whether what I had done is right or wrong?

He told it was wrong.
Lawyer:


Always pay money with a post dated cheque for token amounts.
Never pay money directly to anybody.
Transaction will be recorded If you pay through cheques.

At least I should have taken owner's signature on stamp paper. (Every body knows about this, My friends know, my father knows.....but still, because of hurry...situation demanded that way... we were trapped.)

Property did not match actual square feet with records square feet. I found it 160 SFT lesser than why they told.

Now my troubles started...

I asked for Lawyer suggestion, he told me negotiate on that for lesser price.

I told them I am still interested in the property if they reduce price. It failed in negotiations.

They told they don't pay token advance. Now they are saying they would pay when they sell out the property.

Still waiting...thinking what to do...will update you

So conclusion is:
Consult a very good lawyer take his advice and think yourself then proceed.
Always pay money with a post dated cheque for token amounts.
Never pay money directly to anybody.
Only through cheques/ post paid cheques.

Buying a Flat - My Analysis

Hi Friends,

Recently I thought to buy a Flat in Bangalore and still searching....:)

The following is my analysis... It may help you.

1. Decided Place :
First I want to decide which city is best. With my past 4.5. yrs of work experience, I decided that Hyderabad ,Bangalore are best suitable for my family members and me.


Hyderabad: I analyzed situation in my current organization. All new projects and extension of existing projects are moving to Kolkata, Pune, Mumbai since Bangalore delivery center is full and there is no space at all. There were few projects in Hyderabad location when I joined my current organization, But those were also moved out of Hyderabad. Just 1 or 2 projects are there currently with my skill set in Hyd. Less companies in Hyd than Bangalore.


Bangalore: Lot many companies. If I want to change organization, I can easily do without relocation headache . Good atmosphere. Comfortable for my parents.






2. Decided Home/Land/Flat:
Recently I read a book 'Rich Dad Poor Dad': a very good book which I suggest to read every one who has just entered into corporate world. It tells how to plan your future and how money is important in life.

I decided that If I buy any of this, it should be useful for me now or it should generate revenue for me.

Home:

Home in Bangalore....Too much... out of budget.. leave it. Home at my village.. I have small home where my parents stay. I go there occasionally. Even I buy there I do not use effectively my money.

Land:

Land in Bangalore.. searched a lot... too costly inside Bangalore..no money. If I buy at outskirts. I don't know when it will be developed and when will I built house. But I need to pay EMI every month for that, Again room rent for my rented flat. Looks .. not a good idea.

Flat:

With in last 2 years, 70% of rent got increased for my flat. Searched, asked many experienced persons, googled for analysis. Flat also have its own disadvantages like I won't get anything after 50 years except undivided share area like 300 or 400 sq.ft. (Undivided share area: UDS: This share of land has no specific boundaries within the total extent of the land on which the apartment is built. Each and every flat in the apartment complex will have an associated UDS. The sum of all the UDS will be equal to the total land area of the apartment. )

Following link will be useful.
http://www.nytimes.com/interactive/business/buy-rent-calculator.html

With all my constraints, decided that Flat is only possible option I can bare.

3. New Flat/ Resale Flat:

So I started looking for a Flat and analyzed real estate market over 6 months. Then decided that new flat is not at all coming into my budget, started looking for resale and around 3 years old flat which looks good.

I had seen a flat which comes near to my budget with one of my friend help. Finally I could not buy that flat since its failed in verification with lawyer about property.

4. Decided my budget:


1) Checked my bank balance which I can pay. PLUS
2) Minimum of (a , b) : explained below what are a, b.

a. Bank loan I can get with my net salary.
(my eligibility for loan= ((net salary)/2)*240
(240 = Number of months you pay the EMI (20 years))

b. 80 per cent of Flat value (registration charges may consider or may not consider, It depends on Bank which we go for. Few banks does not accept if you go for registration lower than cost of flat. So I decided LIC and SBI are best currently to go for Home loan. )

Check Khatha:

'Khatha' is nothing but a type of property in Bangalore. ( A-Khatha: Legal, B-khatha: Ill Legal)

So property Khatha should be 'A'. If you find that the property belongs to 'B' Khatha, then you can forget about that property. I had seen in Karnataka state Government web sites that 'B - Khatha' is fake and suggested never buy such property. You should never get Home Loan in Govt. Banks for B-Khatha. There is possibility that you can get home loan for 'B-Khatha' in few private banks.

5. **Desclimer**:

All the above information is as per my knowledge. I am not responsible for any of your loss. This blog may help you to go in right direction.

***Always decision is yours. Your are the best judge for your situation.***

Spanish Learning - 1

Hi Friends/ Hola Amigos,

I attended the Spanish language learning classes for 15 days recently. Here I want to share a few of Spanish words which we come across in our daily life (i.e. advertisements or movies) so that you can even feel that you know a few Spanish words.

CASA : House (we usually see this word on advertisement boards...like.. The casa furnishings )

ALTO: High (we see this word on one of Maruthi brand cars ALTO model. we can imagine that ALTO cars are HIGH value for low price.)

Asta la vista : See you until (I heard this first in one of Telugu movie called BILLA, second time in my spanish class. This word is used to say good bye)

Punto : Sharp (Fiat company released a car recently called PUNTO. So we can imagine that If we travel in PUNTO, you reach your destination on SHARP)

Fiesta: Party (Ford's new car FIESTA. If you use Fiesta car, you have PARTY always)

Vista: View (imagine from Windows VISTA)

Hola: Hi (We should pronounce this Hola as OLA.... always 'H' is silent in spanish language)

Bailar: Dance (we heard many times ENRIQUE IGLESIAS - Bailamos song. Bailamos means 'We dance')

Los Angels/ Las Vegas: Los / Las/el/la are articles in spanish language as a, an and the in English language. (el - article for masculine singular, Los - masculine plural, La - Feminine singular, Las - Feminine plural. Any word ends with 'A' is feminine gender and exceptional for very few words. Here Vega ends with 'a' and is plural So 'Las Vegas'. Angel : It does n't end with 'a' and its Masculine plural So 'Los Angels')

I guess now you know a few Spanish words and hope you enjoyed spanish learning.

Happy learning...Asta la vista !..... Have a great day. :)

Most Inspiring People in the World

Stephen William Hawking

(born 8 January 1942) is a British theoretical physicist and cosmologist, whose scientific career spans over forty years. His books and public appearances have made him an academic celebrity and he is an Honorary Fellow of the Royal Society of Arts, a lifetime member of the Pontifical Academy of Sciences, and in 2009 was awarded the Presidential Medal of Freedom, the highest civilian award in the United States.

He is suffering from motor neurone disease came when Hawking was 21, shortly before his first marriage, and doctors said he would not survive more than two or three years. Hawking gradually lost the use of his arms, legs, and voice, and as of now has been almost completely paralysed.

In Hawking's many media appearances, he appears to speak fluently through his synthesizer, but in reality, it is a tedious drawn-out process. Hawking's setup uses a predictive text entry system, which requires only the first few characters in order to auto-complete the word, but as he is only able to use his cheek for data entry, constructing complete sentences takes time.

Hawking's key scientific works to date have included providing, with Roger Penrose, theorems regarding gravitational singularities in the framework of general relativity, and the theoretical prediction that black holes should emit radiation, which is today known as Hawking radiation (or sometimes as Bekenstein–Hawking radiation).

He got the following awards and honours for his extraordinary research. You can imagine how much he would have contributed to this world If he was normal.
Awards and honours

* 1975 Eddington Medal
* 1976 Hughes Medal of the Royal Society
* 1979 Albert Einstein Medal
* 1981 Franklin Medal
* 1982 Order of the British Empire (Commander)
* 1985 Gold Medal of the Royal Astronomical Society
* 1986 Member of the Pontifical Academy of Sciences
* 1988 Wolf Prize in Physics
* 1989 Prince of Asturias Awards in Concord
* 1989 Companion of Honour
* 1999 Julius Edgar Lilienfeld Prize of the American Physical Society
* 2003 Michelson Morley Award of Case Western Reserve University
* 2006 Copley Medal of the Royal Society
* 2008 Fonseca Price of the University of Santiago de Compostela
* 2009 Presidential Medal of Freedom, the highest civilian honour in the US

A person who lost the use of his arms, legs, and voice has contributed and done research with lot of determination, Now this is time to think about ourselves.


Hats Off to Stephen Hawking !

Source: www.google.co.in