BAJAJ ALLIANZ SUPER CASH GAIN INSURANCE PLAN

About Policy :

Bajaj Allianz Insurance Company Limited introduced, the new policy released that is related to market that is Super Cash Gain Insurance Plan.

Insurance Details :
Bajaj Allianz Super Cash Gain Insurance Plan in life should not stop you from enjoying small pleasures today. Here, is a plan that helps you enjoy those small pleasures by giving you an opportunity to save and grow your money while giving you a periodic income. This insurance plan that secures your life and gives you guaranteed cash backs.

Benefits from Bajaj Allianz Super Cash Gain policy :
Option to select up to four times of your base sum assured as life cover.
Option to select your policy term of 12, 16, 20 or 24 years.
Benefit from shorter premium payment term as no premiums are payable in the last five policy years.
Get 20% of the base sum assured as cash back at regular intervals, which you may take as a cash or ask us to adjust against your due or future premium.
Flexibility to pay your future premiums in advance and avail discounts.
Get more value for money with high sum assured rebate on premium.
Optional riders to enhance your protection.

Plan Variants :
Silver : with sum assured equal to the base sum assured.
Gold : with sum assured equal to twice the base sum assured.
Diamond : with sum assured equal to thrice the base sum assured.
Platinum : with sum assured equal to quadruple the base sum assured.
The surrender value, survival benefit and the maturity benefit will be determined on the basis of only the base sum assured under the policy.

Bajaj Allianz Super Cash Gain Definitions :
These are most important points of Bajaj Allianz Super Cash Gain definitions are given below
Base sum assured.
Sum assured.
Reduced base sum assured.
Reduced sum assured.
Bonus.
Compound reversionary bonus.
Interim Bonus.
Terminal Bonus.

Details of the Plan parameters :
Minimum Age at Entry in Super Cash Gain plan 0 years.
Maximum Age at Entry in Super Cash Gain plan 65 years.
Minimum Age of maturity in Super Cash Gain plan 18 years.
Maximum age of Maturity in Super Cash Gain plan 80 years.
Minimum Policy term in Super Cash Gain plan 12, 16, 20 and 24 years.
Premium paying Term of Super Cash Gain plan policy term less 5 years.
Minimum Premium is Rs.6,500 per yearly installment.
Rs.3,250 per half yearly installment.
Rs.1,750 per quarterly installment.
Rs.600 per monthly installment.
Minimum premium amount is No Limits.
Minimum Base sum assured is Rs.50,000/-.
Maximum base sum assured is No Limit.

Death Benefits :
As per the policy terms.

Key Futures :
Option to select up to four times of base sum assured as life cover.
Benefit from shorter premium payment term as no premiums are payable in the last five policy years.
20% of the base sum assured as cash back at regular intervals or option to adjust them against due or future premium.
High sum assured rebate on premium.
Optional riders to enhance your protection.
Option to keep your policy in force for full sum assured in case you miss to pay your premiums on due dates, provided you have paid at least 3 years premiums in full.
Option to convert policy to a single premium term cover with returns of premium policy if you miss to pay your premiums on due dates provided you have paid at least 5 years premiums in fall.

Termination of the policy :
This policy shall automatically and immediately terminate on the earlier occurrence of either of the below events
On full surrender of the policy.
On expiry of the revival period, if three full years premiums have not been paid.
On foreclosure, if the paid up base sum assured plus vested bonus is less than 1,000.
On the death of the life assured.
On the maturity date.

Loan is not available under this plan.

Tax Benefits :
Tax benefits as per the policy term and income tax rules.

And you have 15 days fee look period also.

If you want to purchase this policy please contact your nearest Bajaj Allianz Life Insurance Branch or contact me on : +91-98860-43598.

BAJAJ ALLIANZ PENSION GUARANTEE POLICY

About Policy :
Bajaj Allianz Insurance Company Limited introduced in May 2010, the new policy released that is related to market that is Pension Guaranteed Insurance Plan. Your invested money is safe in this policy because your policy amount 50% will invest in Government sectors projects.

Insurance Details :
Bajaj Allianz Pension Guarantee Insurance Plan is complete your needs for insurance protection will very at different stages of life. It takes only a moment to make promises and a lifetime to keep them.

Conditions :
Non linked immediate Annuity Single Premium Plan.
Choice of 4 annuity payment modes, namely – monthly, quarterly, half – yearly and annually.
6 different annuity options to choose.
Life Annuity.
Annuity Guaranteed for 5 years and life thereafter.
Annuity Guaranteed for 10 years and life thereafter.
Annuity Guaranteed for 15 years and life thereafter.
Annuity Guaranteed for 20 years and life thereafter.
Return of Capital.
Death Benefit payable under all the annuity options.

Eligibility and Limits :
Minimum purchase price is Rs.25,000/-.
Minimum Annuity Installment is Rs.1000/-.
Minimum Age at entry is 40 years.
Maximum Age at entry is 80 years.

Premium limits and modes are available in Annual, Half yearly, Quarterly and monthly ECS modes.

Tax Benefits :
The premium paid are eligible for Tax under this plan benefits as per the Income Tax Act.

And you have 15 days fee look period also.

If you want to purchase this policy please contact your nearest Bajaj Allianz Life Insurance Branch or contact me on : +91-98860-43598.

BAJAJ ALLIANZ NEW RISK CARE II POLICY

About Policy :
Bajaj Allianz Insurance Company Limited introduced in November 2008, the new policy released that is related to market that is New Risk Care II Insurance Plan. Your invested money is safe in this policy because your policy amount 50% will invest in Government sectors projects.

Insurance Details :
Bajaj Allianz New Risk Care-II Insurance Plan is complete your needs for insurance protection will very at different stages of life. It takes only a moment to make promises and a lifetime to keep them.

Conditions :
Minimum Age at Entry in New Risk Care-II plan 18 years.
Maximum Age at Entry in New Risk Care-II plan 60 years.
Maximum Age at Maturity in New Risk Care-II plan 65 years.
Minimum Policy term in New Risk Care-II plan 05 years.
Maximum policy term in New Risk Care-II plan 40 years.
Minimum sum assured is Rs.2,00,000/-.
Maximum sum assured in Rs. Is NO LIMIT.

Minimum premium limits is single Rs.5000/- for annual mode. Regular premium payment mode is Rs.1200/-, Half yearly Rs.612/-, Quarterly is Rs.312 and monthly is Rs.108/- for monthly mode. Maximum Premium Rs. NO LIMITS.
Riders also available in this policy : Comprehensive accident protection hospital cash benefit critical illness benefit.

Capitates with others :
Bajaj Allianz New Risk Care – II is Rs.2980/-.
ICICI Life Guard – Rs.3025/-.
SBI Life Shield – Rs.2963/-.
HDFC Term Assurance – Rs.3050/-.
Max level term – Rs.3050/-.
Reliance Term – Rs.3050/-.
Aviva Life Shield – Rs.3530/-.

Tax Benefits :
The premium paid are eligible for Tax under this plan benefits under section 80C of the Income Tax Act. Tax free under section 10(10)D of the Income Tax Act. The premiums for the critical Illness Benefits and the Hospital Cash Benefit will be eligible for Tax Exemption under Section 80D of the Income Tax Act.

And you have 15 days fee look period also.

If you want to purchase this policy please contact your nearest Bajaj Allianz Life Insurance Branch or contact me on : +91-98860-43598.

BAJAJ ALLIANZ INSURANCE MAX GAIN POLICY

About Policy :
Bajaj Allianz Insurance Company Limited introduced, the new policy released that is related to market that is Max Gain Insurance Plan.

Insurance Details :
Bajaj Allianz Max Gain Insurance Plan offers you the guarantee to encash your units at maturity at the highest unit price achieved by the fund over the 10 years term of your policy. You have the flexibility to pay your premium up to 7 years. Thus the product offers you the opportunity to get upside benefit of units price with complete downside protection from the fall in the equity market.

Benefits from Bajaj Allianz Max Gain policy :
Guaranteed highest unit price at maturity.
Refund of allocation charges upto 350% of total allocation charges deducted till maturity as guaranteed addition at maturity.
Upto 100% allocation from 3rd policy year.
Flexibility of partial withdrawals.
Flexibility to increase / decrease your regular premiums to suit your changing needs.
Flexibility to pay unlimited top up premium.
Flexibility to add additional rider benefits for additional protection.

Bajaj Allianz Max Gain works :
Bajaj Allianz Max Gain is a simple to understand unit linked life insurance plan. Premiums paid by you, net of premium allocation charge, are invested sdin the fund offered under the product and units are allocated to your policy account at the prevailing units are allocated to your policy account at the prevailing unit price of the fund. The mortality charge, the policy administration charge and the rider premium charges are decuted monthly through cancellation of units at the prevailing unit price. Fund management charge is adjusted in the unit price. The maturity benefit is determined at the highest unit price achieved by the fund over the term of the policy times the total number of units held in your policy account and is paid as maturity value together with the Guaranteed addition. The guaranteed addition is a certain percentage of the total allocation charges deducted from the policy. The death benefits is higher of the fund value or the sum assured. The fund value at any point of time is the prevailing unit price multiplied by the number of units.

Death Benefits :
As per the policy terms.

Maturity Benefits :
On maturity, you will receive the fund value and the guaranteed addition. The fund value on maturity shall be determined at the highest unit price achieved by the fund over the term of your policy.

Additional Rider Benefits :
You can enjoy extra coverage by choosing the optional additional rider benefits at a nominal extra cost. The riders available with Bajaj Allianz Max Gain.
UL Accidental Death Benefit.
UL Accidental Permanent Total / Partial Disability Benefit Riders.

Guaranteed Addition :
If your policy has not been terminated, we shall pay you guranteed addition at the maturity over the above the fund value for an amount equivalent to the following :
First years annual Premium Rs.25,000 – 99,999 and Guaranteed addition as a percentage of the total allocation charge 175%.
First years annual Premium Rs.100,000 – 249,999 and Guaranteed addition as a percentage of the total allocation charge 225%.
First years annual Premium Rs.250,000 and above and Guaranteed addition as a percentage of the total allocation charge 350%.
Fund Value.
Regular Premium Fund Value.
Top Up Premium Fund Value.
Unit Price.
Guaranteed Maturity Unit Price.

Details of the Plan :
Minimum Age at Entry in Max Gain plan 8 years.
Maximum Age at Entry in Max Gain plan 60 years.
Maximum Age at Maturity in Max Gain plan 18 years.
Minimum Policy term in Max Gain plan 70 years.
Maximum policy term in Max Gain plan 10 years.
Premium Payment Term of Max Gain plan 7 years.
Maximum Regular premium in this policy that is No Limits.
Minimum Top Up Premium is Rs.5,000.
Maximum Top Up premium amount is No Limits.
Minimum or maximum sum assured is 5 times annualized premium amount.

Days of Grace :
A grace period of 30 days for the yearly, half yearly and quarterly modes and of 15 days for the monthly mode is allowed under the policy.

Loan is not available under this plan.

In case the life assured commits suicide within one year of the date of commencement / revival of the policy, the amount payable would be the fund value.

Tax Benefits :
The premium paid are eligible for Tax under this plan benefits under section 80C of the Income Tax Act. Tax free under section 10(10)D of the Income Tax Act. The premiums for the critical Illness Benefits and the Hospital Cash Benefit will be eligible for Tax Exemption under Section 80D of the Income Tax Act.

And you have 15 days fee look period also.

If you want to purchase this policy please contact your nearest Bajaj Allianz Life Insurance Branch or contact me on : +91-98860-43598.

THINKING ABOUT SEX (MEN)

About Sex :
SEX that is the most important part of human life. In this world all men think about sex in between every 10 to 15 seconds. That is as many times as we breathe everyday. Nobody has that type of mental stamina, Live Science quoted Carroll as saying and one of the most comprehensive surveys about sexual habits. About sex not even once a day, but rather somewhere between a couple times a week to a couple times a month.

You have bestest five points to sex :
Single guys have better sex lives than married guys, married men get nothing but slumber in their bedrooms, while single boys are closing the deal. But it is actually those with the vows that are getting it on.

Husbands get lucky between 28 percent to more than 400 percent more often than bachelors, depending on their age. And it is not a ho hum roll in the matrimonial bed not only are married women more likely to be orgasmic, married men also give and get more oral sex.

Semen is loaded with calories seminal fluid is made up of water and nutrients such as vitamin C, calcium and magnesium. It also contains the sugar fructose but only 5 to 7 calories worth per serving.

It is unlikely to create a diet issue, but this should not be used in an argument for whatever.

If you shave your beard or head, the hair comes back faster, thicker, and coarser If that were true, we'd have a cure for male pattern baldness.

Stubble may look darker and coarser because it has not yet been exposed to sun and other wearing elements. Once it grows in, it looks identical to the hair that was shaved away.

Men with big feet also have big penises, It is true that the development of penises and toes as well as clitorises and fingers are influenced by the same gene. But the length of one does not predict the length of the other.

No correlation was found between the self-reported size of feet and that of the crown jewels.
Compare foot size to carefully measured privates all 104 penises were stretched to their longest length for consistency. No correlation was found.

BACHELOR OF COMMERCE DETAILS

Bachelor of Commerce :
Qualification after PUC IInd year in Commerce. My advice Commerce is a multidisciplinary field, it is special for accounts experts choose your options carefully. So, many India’s most famous business tycoons are also studied the B.Com. All of them are Commerce graduates.

Not that their illustrious careers were scripted while studying. But their Commerce background definitely aided in setting the stage. It familiarised them with financial foundations of a company, besides acquainting them with core financial underpinnings that result in smooth functioning of really successful corporations.

One of Delhi’s Shri Ram College of Commerce might just be a leader-in-the-making. With a high level of commitment and an enterprising attitude, there could be trained into taking on the financial reins of a company, someday. The course is interdisciplinary in nature.

Studying at Sanatan Dharma College in Chandigarh students replying for B.Com Degree I wouldn’t like to give control of my company’s finances to any outsider. This puts into perspective, this is the main reason for choosing and studying commerce subject.

Basic knowledge of Bachelor of Commerce Study :
In each and every one field or each and every one company wants a one accountant expert in his company to maintain the account.
Commerce is a fundamental academic UG programme, besides Science, Arts, Engineering and Medicine. After completing of PUC IInd year. One can pursue Bachelor of Commerce or Bachelor of Commerce, both are three years study full time programmes. Commerce comprises a wide range of interdisciplinary branches such as accountancy, finance, statistics, and e-commerce among others.

In the first year eight subjects, followed by nine and seven respectively, in the second and third year. The student chose Political Science in his second year, over Maths and English. In the third year chose Marketing and Financial Management and Investment Management over Human Resources and Tax. So far is well versed in the concepts of microeconomics, statistics, financial accounting, business communication, business law, corporate law and auditing among other subjects. In the third year is understanding the theories of financial management and macroeconomics. The curriculum in most colleges is similar to programme.

According to Sourcing, Team Lease Services, many UG colleges are integrating industry required knowledge in their course curriculum. The reason Better placements for students.

Post Graduate level and beyond :
After graduation, you can opt for a Master’s in Commerce from any recognised university or institute. The Faculty of Commerce and Business at Delhi School of Economics offers two post graduate programmes, Master’s in International Business and Master’s in Human Resource and Organisational development.

You can also pursue a Master’s in Finance and Control as an option in the field of Commerce at the Department of Financial Studies, Campus and Universities.

Both undergraduate and postgraduate programmes can be pursued through distance learning, such as those offered by the School of Open Learning in Delhi. Other alternatives include a Bachelor’s in Investment and Financial Accounting or Bachelor’s in Business Studies. Some colleges like the Colleges for Women, in Gulbarga offers a B.Com in Foreign Trade.

Commerce students can also join the Indian Economic Service or Indian Statistical Service. The Union Public Service Commission conducts the entrance exam to these services in November of every year.

Complementary courses
Many B.Com students pursue a professional course like CA, CWA or MBA in Finance, CFA alongside, so as to enter highly skilled professions. Currently pursuing the Company Secretary course. Plans to appear for ICWA Intermediate level exams in every year of April. By then she would have given her final year B.Com exam and would be entitled to forgo the Foundation Level. The Inter level exams are in December.

Diploma certificates for medium skilled jobs can also be done. For example, obtaining certification in Accounting Technician Course from ICAI. Information Technology based courses like Tally or Cyber security are good additional qualifications for Commerce graduates.

ESS India undertook a three week course in Business Development and ICT Innovation from the London School of Economics in August 2009. The summer school programme in London cost her Rs:2lakh, inclusive of accommodation and food expenses. It gave her additional exposure in the field. Supplementary knowledge of stock markets, currency trading, commodity training is also helpful.

Such diploma and certification courses are offered by institutes or by the knowledge arms of organisations themselves. National Commodities and Derivatives Exchange Ltd, for example, runs NCDEX Commodity Certification Course. National Institute of Securities Markets has a 300-hour certification programme in Financial Engineering and Risk Management with a fee of Rs:1.75lakhs. Cyber law and computer courses related to cyber security can also be considered.

Career prospects
Job opportunities exist in banks, financial institutions, outsourcing firms, insurance companies and audit firms. A fresh Commerce graduate can start out as account assistant, in CA firm or any other small organisation.

Charted Accountant practicing firms. These firms usually employ grads for auditing as well as taxation assignments, accounting and research work. Corporate also recruit fresh B.Com students from campuses. FMCG conglomerate HUL invited to work with their BPO and an offer letter from Bain Capability Center, Bain India, a consultancy firm.

Recruitment policies have changed from vertical to horizontal, a mix of graduates are required. Commerce graduates get an edge because of the existent curriculum and exposure to varied subjects, shares Department of Commerce, Delhi School of Economics. Advised it is better for students to have a general degree before going into a specialised degree.

In the banking sector, foreign banks typically prefer skilled Commerce graduates. In nationalised banks, a fresh graduate is eligible to take a Probationary Officer exam. Government offices recruit non-experienced candidates in assistant grade. The demand for graduates is high for sales and marketing functions by banks and insurance.

Commerce graduates also work as researchers and teachers. Eighty percent of management faculty possesses an M.Com degree.

Accounting and counting
Pay packages depend on the organisations as well as area of specialisation. The average salary students received this year was 5lakh per annum.

Salaries depend on the nature of organisation and type of job. However, it ranges between Rs.9,000 and Rs.20,000 per month for a fresh hire. Students with good communication skills tend to get paid better. They are ideal candidates for front end functions such as customer service, marketing and sales. The salary can be 30 to 40 percent higher.

So, if you have the financial aptitude and are willing to develop further competency, be rest assured, as a Commerce student you will never be out of a job.

And if you are living in Gulbarga (Karnataka) city here it is the best college details are below.
1) Appa Education Society (Sharanabasaveshwar College) Gulbarga, best residential facilities, food and accommodation and best education facilities also available with computer lab or computer library in here.
2) V.G. Women’s College (Veer Gangashree College) Only for women’s, best education facilities in this college.
3) M.S.I. Degree college, Gulbarga good education facilities.
4) Independent college, this is a government college it is also have a good education facilities.
And so many new college’s in this city.

Get Self decision and select your own favorite degree or school or college.

I wish to all best of luck for your future.

BAJAJ ALLIANZ FAMILY CARE FIRST

About Policy :
Bajaj Allianz Insurance Company Limited introduced the new policy that is related to health that is Family Care First Insurance Plan.

Insurance Details :
Bajaj Allianz Family Care First Insurance Plan minimum age of entry is 18 and maximum 56 years for a new policy & 71 for a renewed policy, 50 years if health critical illness rider is opted for primary members only.
For parents minimum age of entry 18 and maximum 61 years for a new policy and 71 for a renewed policy.
For children minimum age of entry it is starting from 3 months to 18 years maximum.

Sum Assured :
Minimum Sum assured is Rs.1,50,000/-, if policy is taken by an individual, for family without parents whose primary member is less than 46 years of age. And maximum sum assured is Rs.10,00,000/-. For family with parents sum assured is Rs. 2,50,000/-.

Max Age at risk cover expires :
74 years for primary members, Spouse of primary member and parents.
21 years for children.
65 years if Health Critical Illness Rider is opted for that.

Policy Term :
Minimum Policy Term is 3 years it is compulsory. 3 year premium guarantee for each policy term. Coverage from 3 months to age 74 with guaranteed renewals. Cash less service Facility in leading hospitals across the country.

Hospitalisation Cover :
Following expenses incurred during the hospitalization for in patient treatment would be covered under the policy (for atleast continuous period of 24 hours).
Room Rent and Boarding expenses
Nursing expenses
Doctor’s fees.
Operation theatre charges.
Cost of Anesthesia, Blood, Oxygen, Medicines and Drugs, Diagnostic Materials, X-Ray, Surgical Appliances, any disposable surgical consumables, dialiysis, radiotherapy, Artificial Limbs, stents and implants, and pacemaker.

Day care Treatment :
The plan covers 125 illnesses or procedures as mentioned below wherein you don’t need to be hospitaliased for at least 24 continuous hours, it will be considered as proper hospitalization :
Surgical debridement of wound
Therapeutic Ascitic Tapping.
Aspiration of hematoma.
Sclerotherapy.
Dilation of digestive tract strictures.
Endoscopic Ultrasonography and biopsy.
Direct Laryngoscopy with biopsy.
Mastoidectomy.
Quinsy drainage.
Removal of tympanic drain.
Incision of mastoid and middle ear.
Therapeutic Phlebotomy.
Chemotherapy.
Radiotherapy.
Renal angioplasty.
Tumor embolisation.
Lithotripsy.
Hydrocele surgery.
Orchidectomy.
Foreign body removal from lens of the eye.
Resection of Salivary duct.
Coronary Angiography.
Genital Surgery.
Laparoscopic therapeutic surgeries and many more.

Tax Benefits :
The premium paid under this plan will be eligible for tax benefits under section 80D of the Income Tax Act, 1961.

And you have 15 days fee look period also.

Benefits :
Free from Pre of Post Hospitalisation expenses.
Reimbursement of Ambulance Expenses.
Choice to include Spouse, Children and Parents.
Guaranteed Renewability up to age 74 years.
Premium Discount on every renewal (currently it is 15%).
Hospitalisation Cover or reimbursement of 95% of expenses.
Cashless service facility in leading hospitals across the country.
Increase in sum assured @ 5% as No Claim Bonus.
140 Day care procedures covered.

If you want to purchase this policy please contact your nearest Bajaj Allianz Life Insurance Branch or contact me on : +91-98860-43598.

GROWTH PLANS OF BSNL

GROWTH PLAN of BSNL :
BSNL’s future plan include a fast expansion programme of increasing the present 34 million lines to twice that number by 2005 and to some 120 million lines by 2010. Consolidation of the network and maintaining high quality of service comparable to international standards is the key aim of the growth plan.

Objectives of the Plan:
The telephone connection shall be provided on demand and it shall be sustained.
The network shall be made fully digital. All the technologically obsolete analog exchanges will be replaced with digital exchanges.
Digital connectivity shall be made available to all the exchanges by 2007.
ISDN services shall be extended to all the district head quarters, subject to demand.
To provide Intelligent Network services, progressively all over the country (major cities have already been covered).
To set up Internet Nodes progressively up to district headquarters level.
Upgrading existing STD/ISD/PCO’s to full fledged public Tele-Info center (PTIC) for supporting multi media capability and Internet Access.
Introduction of wireless technology supporting Internet Access) and optional fiber technology in subscriber loop.
Introduction of latest telecom services like National directory enquiry, computerization etc.)

Remote line units (RLUs) remote subscriber units (RSUs) being provided extensively to reduced the long lengths of copper cables.
Establishing call centers (access number ‘1500’) across the nation to provide single window solutions and convenience to customers.
Countrywide network management and surveillance system (NMSS) to ensure uninterrupted and efficient flow of telecom traffic.
Applications form for new telephone connections made free of charge.
Procedure for restoration of telephones disconnected due to non payment simplified and powers delegated to secondary switching area (SSA) heads.
Payment of telephone bills being received on Saturday and Sunday through cheques in CTO/DTO.

More than one PCO permitted at the same premises. Various application forms and procedures being simplified for new telephone connections, shifting and third party transfer.

Customer service centers: (Karnataka telecom circle)
Bangalore, Belgaum, Bellary, Bidar, Bijapur, Chickmangalur, Dakshina Kannada, Davangeri, Gulbarga, Uttar Kannada, Hassan, Hubali, Mandya, Mysore, Raichur, Shimoga, Tumkur.

SOCIAL COMMITMENT:
BSNL is committed to provide quality Telecom Services at affordable price to the citizens of the remotest part of the country. BSNL is making all effort to ensure that the main objectives of the new Telecom Policy 1999 (salient points indicated below) are achieved.

Access to telecommunications is of utmost importance for achievement of affordable and effective communications for the citizens is at the core of the vision and goal of the new Telecom policy 1999.

Strive to provide a balance between the provisions of universal service to all uncovered areas, including the rural areas, and the provision of high level services capable of meeting the needs of the country’s economy.

Encourage development of telecommunications facilities in remote, hilly and tribal of the country, Transform in a time bound manner, the telecommunications sector to a greater competitive environment in both urban and rural areas providing equal opportunities and level playing field for all Players.

INFORMATION TECHNOLOGY:
With the convergence of technologies, catalyzed by the global IT revolution the world is witnessing change as never before in recorded history. In the realm of telecommunication, the change and the pace of it are more pronounced - from basic telephony to voice, video and data services, and from bandwidth on demand to virtual private networks, IT is making the entire plethora of BSNL’s telecom services expand. And, being rapidly implemented as the backbone for running customer — friendly services.

FRS (Fault Repair System), DQ (Directory Enquiry), IVRS (Interactive Voice Response System) and accounting and billing systems are already operational at BSNL.

BSNL UNITS:
Telecom Circles :
Adaman and Nicobar Telecom Circle, Andhra Pradesh Telecom Circle, Assam Telecom Circle, Bihar Telecom Circle, Chhattisgarh telecom circle, Gujarat Telecom Circle, Haryana Telecom Circle, Himachal Pradesh Telecom Circle, Jammu and Kashmir Telecom Circle, Jharkhand Telecom Circle, Karnataka Telecom Circle, Kerala Telecom Circle, Madhya Pradesh Telecom Circle, Maharashtra Telecom Circle, North East-I Telecom Circle, North East – II Telecom Circle, Orissa, Punjab, Rajasthan, Tamil Nadu, Uttar Pradesh East, Uttar Pradesh West, Uttaranchal, West Bengal Telecom Circles.

Training Institutions :
Advanced Level Telecom Training Centre, Bharat Ratna Bhim Rao Ambedkar, Institute of Telecom Training, National Academy of Telecom Finance and management, Regional Telecom Training Centres, Circle Telecom Training Centers, District Telecom Training centers and in metro districts Kolkata, Chennai and Project Circles : Eastern Telecom Project Circle, Western Telecom Project Circle, Northern Telecom Project Circle, Southern Telecom project Circle, IT Project Circle Pune.

Maintenance Regions :
Eastern Telecom Maintenance Region, Western Telecom Maintenance Region, Northern Telecom Maintenance Region, Southern Telecom Maintenance Region and Specialized Telecom Units : Data Networks, National Centre for Electronic switching, Technical and Development circle, Quality Assurance.

Production Units :
Telecom Factory Mumbai, Telecom Factory Jabalpur, Telecom Factory Ricchai, Telecom Factory Kolkata and Other Units like Telecom stores, Railway Electrification Project, Telecom Electrical Wing and Telecom civil wing.

Cellular Service Overview :
Why should you choose BSNL Mobile?
For the first time in the country, all major towns and cities are covered through our network
All major national and state highways are covered National and International SMS facility.
International roaming available for more than 300 networks across the world. The facility of one number roaming across the country.
Appropriate and reasonable tariff packages to suit every pocket Absolute transparency in billing.
All regular features of cellular telephony, such as SMS as well as advanced features like MMS are available.
24 Hour helpline all across the country.

The only Mobile service available through out the country including Jammu and Kashmir and North Eastern states like Arunachal Pradesh, Nagaland, Mizoram etc.

BSNL Service Plus:
Cell One provides a number of Value Added Services. These services helps BSNL serve you better & enhance the ease & quality of communication thus bringing global connectivity at your doorstep.
Voice Mail Service.
Value Added Services SIM Based service SMS based Services.
Short Message Service (SMS).
Group Messaging.
National & International roaming.
Call forwarding.
Corporate Virtual Private Network.
Call conferencing.
Friend and Family Talk.
Call waiting and Call holding facility.
Unified Messaging Services: This provides Voice mail, FAX, e-mail, text to voice.
services on your mobile phone. So stay in touch with your nears and dears by means you like the most.
Wireless Application Protocol (WAP): Surf WAP enabled websites on Internet using this service.

Mobile Services :
Total Number of Connections : 44,190,393
District Headquarters covered : 618
Total Number of villages covered : 2,90,975
Total number of Town of cities : 19,971
National Highway covered in KM : 55,896 out of 60,519.
Sate Highway covered in KM : 74930 out of 1,240,77
Railway route covered in KM : 42,454 out of 54,731.

2005 Eventful year for Indian Telephony:
The year 2005 has been an eventful one for the Indian Telecommunication sector. Continuing its upward trend, this sector has seen the addition of a whopping 31.97 million users during 2005, taking the total subscriber base to 124.85 million. This represents a growth of 34.42% when compared to the total subscriber base of 92.88 million during 2004.

The Indian telecom sector set another record last year when Tele Density touched 11.43 as against 8.62 at the end of 2004. In Dec. 2005, a record number of 4.92 million subscribers were added as against 3.79 million in Nov. 2005, the Telecom Regulatory Authority of India.

During the year under review, a total of 4.06 million users had registered for fixed line services. Out of this, 0.46 million were added in Dec. 2005, predominantly in the WLL (F) segment. Consequently, the total Fixed line subscriber figure touched 48.93 million, a growth of 9% over 2004.

Mobile telephony also saw accelerated growth during 2005. With 27.91 million new subscribers added to the mobile services (GSM & CDMA), the total subscriber base grew by 58.13% year on year to 75.92 million in 2005. Of the 27.91 million in the previous month. The mobile additions consists of 3.19 million GSM and 1.27 million CDMA customers.

The 60 lakh target set for the Internet subscriber base has been achieved when the user base touched 61.25 lakh at the end of Sept. 2005 itself as against 54.5 lakh at the end of Dec. 2004. However, the performance on the broadband front was dismal. Falling short of the target of 30 lakh connections by the end of Dec. 2005 as enunciated in the broadband policy 2004, the number of broadband connections crossed only 8.35 lakh by the end 2005.

Continued efforts of the government in making broadband affordable has started yielding results. The minimum monthly tariff for broadband connection has declined to Rs. 199 with free download of upto 400 MB. Also, the rate for download of one MB has been slashed to Re.1 from Rs. 4 per MB a year ago.

TRAI said though the growth of broadband was not substantial because of supply constraints, the minimum tariff for a broadband connection was the lowest in India when compared to that in some of the developed countries. The minimum monthly tariff for broadband connection in India is around $5 while it is $40 in the US, $25 in South Korea and $20 in Japan.

BAJAJ ALLIANZ CHILD GAIN POLICY

About Policy :
Bajaj Allianz Insurance Company Limited introduced the new policy that is related to your children’s life. That is Child Gain Insurance Plan. Your invested money is safe in this policy because your policy amount 50% will be invest in Government sectors projects.

Insurance Key Futures :
Limited Premium Payment Term with means that premiums are payable till the child attains 18 years age.
Minimum guaranteed benefits payable on the child attaining specific ages after the premium payment term.
Contributions grow by the way of compounded annual bonuses, which will be paid with the first guaranteed payout.
Choice of 4 distinct and unique options.
Inbuilt additional benefits like Premium Waiver Benefit, Family Income Benefit.
Option to the Child to purchase further insurance at Maturity.
Choice of a unique start of life benefit in case of death of policy holder.

Product Packages :
Bajaj Allianz Child Gain = 21.
Bajaj Allianz Child Gain = 24.
Bajaj Allianz Child Gain = 21+.
Bajaj Allianz Child Gain = 24+.

A Life Cover :
Bajaj Allianz Child Gain 21 and Child Gain 21+ guaranteed percentage of sum assured returns details are below.
At age 18, Vested Bonus + 20% of Sum Assured.
At age 19, 25% of Sum Assured.
At age 20, 25% of Sum Assured.
At age 21, 35% of Sum Assured.
Total is 105% of Sum Assured

Bajaj Allianz Child Gain 24 and Child Gain 24+ guaranteed percentage of sum assured returns details are below.
At age 18, Vested Bonus + 25% of Sum Assured.
At age 20, 25% of Sum Assured.
At age 22, 25% of Sum Assured.
At age 24, 40% of Sum Assured.
Total is 115% of Sum Assured

But increase in the survival benefit depending upon the higher interest rate during the survival instalments.

General Conditions & Information :
Minimum age of the policy holder is 20 years and maximum age of the policy holder is 50 years, minimum age of child is 0 years and maximum age of child is 13 years, minimum premium payment term is 5 years and maximum premium payment terms are 18 years. Maximum age of child at maturity is 21 years for child gain 21 & child gain 21 plus, 24 years for child gain 24 and child gain 24 plus policies.
Minimum sum assured is Rs.1,00,000/- and maximum sum assured is Rs.50,00,000, Minimum Premium is Rs.5000 for yearly, Rs.3000 for half yearly, Rs.3000 for quarterly, and Rs.700 for Monthly.

Child gain main benefit premium is Rs.10220,
Premium Waiver Benefit premium is Rs.331.
Family Income Benefit premium is Rs.207.
High Sum Assured Rebate is Rs.0
Total Premium Rs.10758/- excluding service Tax and Edu. Cess.

Income Tax benefits as per income tax rules and regulations.
And you have 15 days fee look period also.

If you want to purchase this policy please contact your nearest Bajaj Allianz Life Insurance Branch or contact me on : +91-98860-43598.

BHARAT SANCHAR NIGAM LTD PROFILE

INTRODUCTION ABOUT BSNL
Bharat Sanchar Nigam Ltd. formed in October, 2000, is World's 7th largest Telecommunications Company providing comprehensive range of telecom services in India: Wireline, CDMA mobile, GSM Mobile, Internet, Broadband, Carrier service, MPLS-VPN, VSAT, VoIP services, in Services etc. within a span of five years it has become one of the largest public sector unit in India.

BSNL has installed Quality Telecom Network in the country and now focusing on improving it, expanding the network, introducing new telecom services with ICT applications in villages and wining customer's confidence. Today, it has about 47.3 million line basic telephone capacity, 4 million WLL capacity, 20.1 Million GSM Capacity, more than 37382 fixed exchanges, 18000 BTS, 287 Satellite Stations, 480196 Rkm of OFC Cable, 63730 Rkm of Microwave Network connecting 602 Districts, 7330 cities/towns and 5.5 Lakhs villages.

BSNL is the only service provider, making focused efforts and planned initiatives to bridge the Rural-Urban Digital Divide ICT sector. In fact there is no telecom operator in the country to beat its reach with its wide network giving services in every nook & corner of country and operates across India except Delhi & Mumbai. Whether it is inaccessible areas of Siachen glacier and North-eastern region of the country. BSNL serves its customers with its wide bouquet of telecom services.

BSNL is numero uno operator of India in all services in its license area. The company offers vide ranging & most transparent tariff schemes designed to suite every customer.

BSNL cellular service, Cell One, has more than 17.8 million cellular customers, garnering 24 percent of all mobile users as its subscribers. That means that almost every fourth mobile user in the country has a BSNL connection. In basic services, BSNL is miles ahead of its rivals, with 35.1 million Basic Phone subscribers i.e. 85 per cent share of the subscriber base and 92 percent share in revenue terms.

BSNL has more than 2.5 million WLL subscribers and 2.5 million Internet Customers who access Internet through various modes viz. Dial-up, Leased Line, DIAS, Account Less Internet (CLI). BSNL has been adjudged as the NUMBER ONE ISP in the country.

BSNL has set up a world class multi-gigabit, multi-protocol convergent IP infrastructure that provides convergent services like voice, data and video through the same Backbone and Broadband Access Network. At present there are 0.6 million Data One broadband customers.

The company has vast experience in Planning, Installation, network integration and Maintenance of Switching & Transmission Networks and also has a world class ISO 9000 certified Telecom Training Institute.

Scaling new heights of success, the present turnover of BSNL is more than Rs.351,820 million (US $ 8 billion) with net profit to the tune of Rs.99,390 million (US $ 2.26 billion) for last financial year. The infrastructure asset on telephone alone is worth about Rs.630,000 million (US $ 14.37 billion).

BSNL plans to expand its customer base from present 47 millions lines to 125 million lines by December 2007 and infrastructure investment plan to the tune of Rs. 733 crores (US$ 16.67 million) in the next three years.

The turnover, nationwide coverage, reach, comprehensive range of telecom services and the desire to excel has made BSNL the No. 1 Telecom Company of India.

BSNL Registered Office : Bharath Sanchar Bhavan, Harish Chandra Mathur Lane, Janpath, New Delhi-110001.

BSNL Corporate Office : Bharath Sanchar Bhavan, Harish Chandra Mathur Lane, Janpath, New Delhi-110001.

VISION:
To become the largest telecom Service Provider in Asia.

MISSION
To provide world class State-of-art technology telecom services to its customers on demand at competitive prices.
To provide world class telecom infrastructure in its area of operation and to contribute to the growth of the country's economy.

OBJECTIVES
To be the Lead Telecom Services Provider.
To provide quality and reliable fixed telecom service to our customer and there by increase customer's confidence.
To provide mobile telephone service of high quality and become no. 1 GSM operator in its area of operation.
To provide point of interconnection to other service provider as per their requirement promptly.
To facilitate R & D activity in the country.

Contribute towards:
National Plan Target of 500 million subscriber base for India by 2010.
Broadband customers base of 20 million in India by 2010 as per Broadband Policy 2004.
Providing telephone connection in villages as per government policy.
Implementation of Triple play as a regular commercial proposition.

Board of Directors:
Corporate structure of BSNL Board consists of CMD & Five full time Directors Human Resource Development (HRD), Planning & New Services, Operations, Finance and Commercial & Marketing, who manages the entire gamut of BSNL operations. There are five other Directors in the full Board of BSNL.

CMD - Shri Kuldeep Goyal
Shri Kuldeep Goyal has taken over as Chairman & Managing Director of BSNL on August 1, 2007. Shri Kuldeep Goyal joined the Indian Telecommunication Service of Govt. of India in 1972. He is an Engineering Graduate from IIT Roorkee.

Director (Operations)- Shri Rajesh Wadhwa
Shri Rajesh Wadhwa has taken over as Director (Operations) in BSNL on 1st August 2008. Shri Wadhwa is a B. Tech in Electrical Engineering in first class with distinction from I.I.T. Delhi. He has also done MBA from Faculty of Management Studies, University of Delhi. He joined the Department of Telecommunications, Government of India through Indian Telecommunications Services Group ‘A’ in December 1975. Since then he has worked in various capacities in different units of DoT/ BSNL/MTNL and has versatile experience covering almost all the fields in telecommunications including operations, development and management of landline and mobile networks, sales and marketing and financial management etc.

Director (Planning & New Services)-Shri R.K.Aggarwal
Shri Rakesh Kumar Agarwal has done his B.E. from Indian Institute of Science, Bangalore in 1973 and then M.Tech in Communications from IIT Delhi in 1975. Thereafter he joined Department of Telecommunications and worked in various fields of telecommunications. He did installation of C-400 Cross Bar Exchanges till 1983. He was sent to France for training for the installation of Digital Electronic Exchange of E-10B make in 1983 and thereafter worked as Deputy General Manager (Installation) for E-10B Exchanges in MTNL, Mumbai from 1983 till 1991.

Director(Commercial & Marketing)- Shri Rajendra Singh
Shri Rajendra Singh took over as Director (Commercial & Marketing) BSNL Board on 7th November 2007. He belongs to 1972 batch of Indian Telecom Service. He obtained his Bachelor's Degree in Electrical Engineering from Punjab Engineering College, Chandigarh in 1972 and joined Department of Telecommunications in March 1974. During his more than three decades of service, before joining the BSNL Board, he successfully held various important and prestigious positions in the Department of Telecom, MTNL and BSNL including his tenure as the Chief General Manager Himachal Pradesh and Punjab Circles.

Director (HRD)- Shri Gopal Das
Shri Gopal Das has taken over as Director(HRD) in BSNL on 4th October 2007. He is responsible for formulating and implementing policies pertaining to Establishment, personnel, industrial relations, training, restructuring and other HR related affairs. He obtained his B.E. Degree with honors from Banaras Hindu University in the year 1972. He joined Department of Telecommunications, Government of India through Indian Telecommunications Services Group 'A' Service in June 1975.

Shri J.S.Deepak, I.A.S., Govt. Director
Shri Deepak, is M.Sc. in Electronics from Bangalore University and MBA from Indian Institute of Management (IIM) Ahmedabad with specialisation in Marketing and Finance.

Shri P.K.Mittal, Govt. Director
Shri. P.K.Mittal has done his B.Sc (Electronics), Electrical Engineering from Delhi College of Engineering, University of Delhi. He joined the Department of Telecom in 1981. He has more than 27 years of experience with department of Telecom. He is presently responsible for implementation and monitoring or access service licences in the country.

Shri Mahesh Shah, Director
Shri Mahesh Shah is a B.Com., LLB., FCA, FCS, FICWA, MBA [USA], MBIM [UK]. He entered upon the office of Director of the Company w.e.f. 20.2.2008. He is a Corporate Advisor on Company Law, Finance, Tax, Audit, Corporate Governance, Costing, Capital Market, Restructuring etc.

Dr. S.K.Kak, Director
Dr.Kak, is an M.Tech in Electronics Engineering [Microwave Engineering] and Ph.D in Electronics Engineering [Digital Communications] is a Professor in Electronics and Engineering Department of BHU. He entered upon the office of Director of the Company w.e.f. 20.2.2008.

Sanjiv Gupta, Director
Shri Sanjiv Gupta, 46, an alumnus of IIT Delhi, has had a long and distinguished career in marketing and operations in diverse categories. A Chemical Engineer, Shri Sanjiv started professional career with Hindustan Lever Limited in 1984 and very quickly moved across the organisation in Sales and Marketing.

Human Resource Development:
With a corporate philosophy that considers Human Resource as the most prized assets of the organization, it's natural for BSNL to continually hone employee skills, enhance their knowledge and their expertise and their aspirations to fruition. Even as BSNL goes about conducting its business activities, it lays emphasis on constant enhancement of knowledge and skills through regular training programmes.

Bharat Sanchar Nigam Limited has a vast reservoir of highly skilled and experienced work force of about 3,57,000 personnel. We believe that our staff, which is one of the best trained manpower in the telecom sector, is our biggest asset.

We believe that our future depends on our staff who provide services to our valued customers and stay in touch with them. To meet the technological challenges, employees are trained for technology up-gradation, modernization, computerization etc in BSNL's training Centers spread across Country. These centers are properly equipped with the requisite infrastructure facilities such as Lecture rooms, modern audio-visual aids, libraries, hostels etc. To apex training centers of BSNL i.e. Advance level Telecom Training Center (ALTTC) at Ghaziabad and Bharat Ratna Bhimrao Telecom Training Center at Jabalpur are comparable to any world class Telecom Training Center. Moreover, 43 zonal training centers and a National Academy of Telecom Finance and Management have been running for several years now. Different curriculum run in these centers to impart technology based training, training for Attitudinal change, basic educational and skill development program etc.

ASSETS :
Bharat Sanchar Nigam Limited has got net fixed assets valuing more than Rs. 54698 Crores (US $ 13.67 billion), which are in the form of Land, Buildings Cables, Apparatus & Plants etc. as on 31.03.2008.

Finance:
Bharat Sanchar Nigam Limited, the largest Public Sector Undertaking of the Nation, is certainly on a financial ground that's sound.

The Company has a net worth of Rs. 88,128 crores (US$ 22.02 billion), authorised equity capital of Rs. 10,000 crores (US $ 2.50 billion), Paid up Equity Share Capital of Rs. 5,000 crores (US $ 1.25 billion) and Revenues is Rs. 38053 crores (US $ 9.51 billion) in 2007-08.

(Note: 1 US $ = 40.02 INR as on 31-03-2008)

Gross Investment in Fixed Assets :
The BSNL is making substancial investment year to year for its network expension and mordenisation. During the current financial year BSNL has made the gross investment of Rs. 7180 crore ( US $ 1.79 billion) in Fixed Assets. These investments have been financed by the internal accruals.

BAJAJ ALLIANZ CASH GAIN POLICY

About Policy :
Bajaj Allianz Insurance Company Limited introduced the new policy that is related to Cash Gain Insurance Plan. Your invested money is safe in this policy because your policy amount 50% will invest in Government sectors projects.

Insurance Details :
Bajaj Allianz Cash Gain Insurance Plan is complete your needs for insurance protection will vary at different stages of life. Sometimes, you may need to release a part of your savings from insurance commitments and utilize it for other pressing needs. The Bajaj Allianz Cash Gain is ideal for those who want to reap and enjoy the benefits of their life insurance policy at regular intervals during their life time.

Bajaj Allianz Cash Gain is a specially designed plan that offers a host of additional rider benefits you may choose to develop a sound financial portfolio for your family. Among the many unique benefits, the most significant is the family income benefit (FIB) that sustains the family by compensating the loss of regular income due to death or permanent disability.

Able as :
Bajaj Allianz Cash Gain Economy = The basic package.
Bajaj Allianz Cash Gain Gold = With double protection.
Bajaj Allianz Cash Gain Diamond = Triple protection.
Bajaj Allianz Cash Gain Platinum = Quadruple protection.

A Life Cover :
Giving you regular Cash Benefits, this plan takes care or your life insurance needs also. On death during the term of policy, the following would be paid irrespective of the cash benefits already paid.
Bajaj Allianz Cash Gain Economy = Sum assured + Bonuses.
Bajaj Allianz Cash Gain Gold = Double sum assured + Bonuses.
Bajaj Allianz Cash Gain Diamond = Triple sum assured + Bonuses.
Bajaj Allianz Cash Gain Platinum = Quadruple sum assured + Bonuses.

Additional Protection for you and your family :
You have the option to add the following additional rider benefits, providing total protection against uncertainties.
1) Family Income Benefit – The Ultimate Protection – For Your Loved Ones.
2) Comprehensive Accident Protection.
3) Critical Illness Benefit.
4) Hospital Cash Benefit.
5) Mahila Gain Rider Benefit.

Accidental Death Benefits :
Accidents are always sudden and sometimes fatal. You can’t lessen the emotional shock, but you can certainly soften the financial one. Bajaj Allianz Accidental Death Benefit gives the loved ones something to start with after the permanent loss of income by paying an amount equal to the sum assured. Subject to a maximum of Rs.50,00,000/- under all policies with Bajaj Allianz taken together.

Increase in risk coverage :
Every added responsibility in your life calls for increase in your risk cover. We provide you the option to increase coverage upto 50% of the basic sum assured on each of the following happy moments in your life.
Your Marriage.
The birth of your first child.
The birth of your second child.

Advantage to Women :
There will be a premium discount for female policy holders in the package. Basic premium payable will be equivalent to the premium for a two year younger male policy holder for the base policy only.

Tax Benefits :
The premium paid are eligible for Tax under this plan benefits under section 80C of the Income Tax Act. Tax free under section 10(10)D of the Income Tax Act. The premiums for the critical Illness Benefits and the Hospital Cash Benefit will be eligible for Tax Exemption under Section 80D of the Income Tax Act.

Loans :
Loans are not available under this plan.

Change of Occupation :
Change of occupation depending upon the nature of the new occupation, the premiums and benefit with respect to the critical illness and Hospital Cash may be modified.

General Exlusion :
In Case the life assured commits suicide within one year of the date of commencement or reinstatement of the policy, the benefits of the plan would not be payable, and the premiums paid would be refunded.

And you have 15 days fee look period also.

If you want to purchase this policy please contact your nearest Bajaj Allianz Life Insurance Branch or contact me on : +91-98860-43598.

CELLULAR MOBILE SERVICES

ABOUT CELLULAR MOBILE SERVICE :
Cellular Mobile Service i.e. Cell One Post Paid and Excel (Pre-Paid).
Cell one of BSNL launched on 19th Oct. 2002. The scheme will cover 4 million customers in two phases, phase I will cover about 1.5 million customers covering about 1000 cities which will be expanded to 4 million in Phase II.

BSNL’s GSM Cellular Mobile Service Cell One has customer base of over 5.2 million. Cell One provides all the services like MMS, GPRS, Voice Mail, E-mail, SMS both National and International, Unified Messaging Service (Send and Receive E-mails) etc. Customer can use Cell One in over 160 countries world wide and in 270 cellular networks and over 1000 cities/towns across India. It has got coverage in all national and state highways and train routes cell one offers all India Roaming facility to both prepaid and post paid customers (including Mumbai and Delhi).
Mobile Telephone History

Digital wireless and cellular roots go back to the 1940s when commercial mobile telephony began. Compared with the furious pace of development today, it may seem odd that mobile wireless hasn’t progressed further in the last 60 years. Where are our video watch phones? There were many reasons for this delay but the most important ones were technology, cautiousness, and federal regulation. As the loading coil and vacuum tube made possible the early telephone network, the wireless revolution began only after low cost microprocessors and digital switching became available. The Bell System, producers of the finest landline telephone system in the world, moved hesitatingly and at times with disinterest toward wireless. Anything AT&T produced had to work reliably with the rest of their network and it had to make economic sense, something not possible for them with the few customers permitted by the limited frequencies available at the time. Frequency availability was in turn controlled by the Federal Communications Commission, whose regulations and unresponsiveness constituted the most significant factors hindering radiotelephone development, especially with cellular radio, delaying that technology in America by perhaps 10 years. In Europe and Japan, though, where governments could regulate their state run telephone companies less, mobile wireless came no sooner, and in most cases later than the United States. Japanese manufacturers, although not first with a working cellular radio, did equip some of the first car mounted mobile telephone services, their technology equal to whatever America was producing. Their products enabled several first commercial cellular telephone systems, starting in Bahrain, Tokyo, Osaka, Mexico City.

CELLULAR MOBILE SERVICES IN KARNATAKA
“Be Here, Be There, Be Any Where we will be Every Where”.
BSNL’s Mobile Service has been launched in Karnataka by Chief Minister Sri. S.M.Krishna on 2jst October. Cell One is the brand name for BSNL’s mobile service and Excel is the Brand name for Pre-paid mobile card offered by BSNL. Excellent cellular communication by way of reliable services using BSNL backbone network is BSNL goal to achieve the number 1 position in cellular communication. BSNL aim is to build the nation by way of providing a reliable communication network across the country so as to ensure an overall growth of India.

“Service is our Motto”
Under mobile network of BSNL, Karnataka Telecom circle is a separate identity as a mobile operator with Headquarters at Bangalore. The main switching centers (MSC’s) are located at Bangalore and Hubli. To these centers base station controllers (BSC’s) are connected and which in turn connects to Base Transmitting Station (BTS). These BTS ultimately communicate with mobile handsets of subscriber. There are around 300 numbers of BTS covering a total of 121 cities with incidental coverage in many other areas. This enables a mobile Subscriber to roam freely anywhere in Karnataka. Wide coverage is given on national highways and train routes. These base stations are connected to BSC by means of optical fiber links in ring configuration. Which ensures a reliable transmission media.

Call Line Identification
The identification of the calling number (CLIP) is presented on your telephone to enable you to recall at a later time besides knowing your caller.

Calling Line Identification Restriction (CLIR)
If you do not want your number to be presented to the called party always, then the same can be activated upon request.

Barring Outgoing Calls
All outgoing calls or outgoing international calls can be barred at the request besides if inter circle calls (outside Karnataka) need to be barred this also can be done at your request (STDIISD facility).

All these services need to be activated by the service providers. Besides selective activation at the customers mobile handset is also needed to support these services.

Unified Messaging System (UMS):
The objective of UMS is to allow subscribers to send, retrieve and manage messages in a uniform way, regardless of whether the message is a voice mail, a Fax mail or an E-mail. Each UMS subscriber is assigned a unified message mail box number. Which is usually the mobile number itself and email address.

UMS mail box can be accessed either by invoking call forwarding feature or by directly dialing unified message mail box number, It shall also be accessed from web browsers a standard e-mail clients and WAP terminals.

Features
Call Answering
Fax Answering
Message Deposit Services
Message Retrieval Services
Message Delivery Services
Call Return
Message Management (New/Listened Message, Urgent delivery, Reply) etc.
Mail Box Management (Tutorial, System Generated or Customized Greeting, Password user language etc)

E-mail
Your e-mail account will be @bsnlums.com from any account like yahoo, hotmail, rediffmail etc you can receive mail to above account from any internet connected desktop besides through a WAP enabled phone you can log into www.bsnlums.com and compose mail and send to any e-mail destination address including urns e-mail address. Also one can view body, header of e-mail using WAP phone on e-mail inbox. By dialing your voice mail box you can hear the e-mail to speech conversion of the e-mail messages on your e-mail account.

A salient feature is that all mails coming to other accounts can be seen 2 from one account only i.e. bsnlums.com.

MISC Services
Short Message Services (SMS)
WAP Services (Wireless Application Protocol)
Free Roaming within Karnataka and National Roaming
Call Conferencing and Multi Mobile Number
Regional / National Roaming
Itemized Billing I Detailed Billing
Mobile Hunting

Other Services
Supplementary services activated for prepaid Excel cards
CLIP (Calling Line Identification Presentation)
Call Waiting
Call Hold
Call Forwarding - Unconditional / Busy/No Reply/Out of reach
Multiparty Conferencing
STD and ISD
Unlimited SMS and E-mail
Voice Mail
Call Baring (Out Going and Incoming)
However the above services need to be activated selectively by the Subscriber at the mobile handset.

Supplementary Services Activated upon Request by Subscriber
Call Waiting
Call Forward — Unconditional/Busy/No Reply! Out of Reach
CLIP
CLIR (Calling Line Identification restriction) on Request
Call Barring (Outgoing and Incoming)
Detailed Billing on Request
STD/ISD
Call Hold
Voice Mail
UMS (Unified Messaging System) comprising voice mail, email and fax mail
WAP Services (WAP Enabled Phone Needed) On Request Some of the services are chargeable

THE Mc KINSEY 7-S FRAMEWORK
The 7-S Model is better known as McKinsey 7-S. This is because the two persons who developed this model, Tom Peters and Robert Waterman, have been consultants at McKinsey & Co at that time. They published their 7-S Model in their article “Structure Is Not Organization” (1980) and in their books” The Art of Japanese Management” (1981) and “In Search of Excellence” (1982).

RELIANCE LIFE INSURANCE HIGHEST NAV POLICY

Reliance Life Insurance Highest NAV Advantage Plan :
Reliance life insurance company introduced one of the new policy that is Reliance Life Insurance’s Highest NAV Advantage Plan. In this plan is unit linked investment cum insurance plan in which we guarantee that you benefit from the highest NAV (Net Asset Value) per unit ever achieved by your fund during the entire policy term of 15 years.

In essence, even if, on the date of maturity of your policy, the NAV (per unit price) under the fund has declained from the highest it achieved during the period from date of inspection, we will encash your units as at the date of maturity at the highest (NAV (per unit price).

So, you are protected from the typical conditions of the declines in your equity oriented investments under this policy. Highest NAV Guarantee is applicable only at maturity of the policy.

Key Features :
Enjoy the upside we guarantee you get the highest NAV per unit ever achieved during the policy term at maturity.
It provides risk cover on your life.
choose any amount of sum assured desired for your life protection subject to the applicable limits.
Additional risk cover on account of accidental death.
Liquidity through partial withdrawals.
Flexibility to choose from regular or single premium payment options.
Flexiblity to pay top ups.
Liquidity through loans to meet your unforeseen needs.
Enhance protection cover through a host of optional rider benefits.
Exchange option to take advantage of any new plans we may offer in the future.
Tax benefits as per Income Tax Act.

Details of Policy :
Any individual aged between 7 years to 60 years age can be insured under this plan.
Minimum and maximum policy term under the plan. The policy term under this plan is fixed for 15 years.
The minimum annualized premium is Rs.20,000 under regular premium payment option and Rs.50,000 under single premium.
Regular Premium : 7 to 30 times of annualized premium depend on age at entry.
Single Premium : 1.1 to 6 times of Single premium. Depend on age at entry.
Top-Up : 110% to 125% of the top up premium, subject to age at the time of payment of top up.

Death benefits under this plan and top up, plus, fund value under base plan and top up at the date of intimation of death is payable to nominee. amount equivalent to sum assured is payable in addition to the above on account of accidental death.
On survival up to maturity, fund value related to the base plan and top up is paid based on the highest NAV during the tenure of the policy.

Charges :
The Allocation charge are deducted from each premium received. The charges applicable under the plan are as below.
Policy 1st year regular premium 7% allocation charge as a percentage of annualised premium amount. Policy 2st to 4th year regular premium 6% allocation charge as a percentage of annualised premium amount. Policy 5th to 10th year regular premium 5.50% allocation charge as a percentage of annualised premium amount. Policy 11th and onwards regular premium 5.00% allocation charge as a percentage of annualised premium amount. Single premium and top up is 2%.

Fund Management charges for Highest NAV advantage fund range 1.35% per annuam. Policy administration charge, under regular premium policies is not applicable. Under single premium and settlement option, Rs.40 is deducted per month.

Guarantee charges for highest NAV guarantee on maturity of 0.25% per annum of fund value is built into the NAV. Mortality charge will vary depending on the amount of life insurance cover; the attained age of life assured; the occupation of the life assured; the health of the life assured.

Service Tax and Education cess, will be levied on fund management charge, mortality charge and rider premium, if any, at the applicable rate as declared by the government from time to time.

Additional Benefits under this plan :
Liquidity through partial withdrawal and surrender after 5 policy years from the date of commencement of the policy.
Option to take the maturity proceeds in periodic installments within a maximum of 5 years from the date of maturity through settlement option.
Customize the product through Reliance new major surgical benefit rider, reliance new critical conditions.
25 rider and reliance term life insurance benefit rider.

If you want to purchase this policy please contact your nearest Reliance Life Insurance Company Limited branch or visit on to www.reliancelife.com or mail to rlife.coustomerservice@relianceada.com.

AMBUJA CEMENT COMPANY OR AMBUJA GROUP

COMPANY PROFILE
Address : AMBUJA NAGAR, P.O., TALUKA KODINAR, JUNAGADH DISTRICT, GUJARAT INDIA.
Telephone No. 245161, Fax 24413, web site No.www.gujaratambuja.com,
Chief Executive Name : Mr. A.L. Kapur
Face Value is No. of 2.
Market Lot No of 1
Business Group Name : Ambuja Group
Incorporation Date : 20/10/1981
Industry name : Cement – Major
Listed on : National stock exchange of India Ltd., the stock exchange, Mumbai.

HISTORY OF AMBUJA CEMENTS COMPANY LTD
According to Year 1981
The Company was Incorporated on 20th October, as Ambuja Cements Pvt. Ltd. It was jointly promoted by Gujarat Industrial Investment Corporation Ltd. (GIIC) and N.S. Sekhsaria and his associates, Vinod K. Neotia and Suresh Mulani, for setting up a cement project in the joint sector. The Company was converted into a public limited company on 19th March, 1983 and its name was changed to Gujarat Ambuja Cements, Ltd., on 19th May, 1983.

The Company's object is to manufacture cement.
The Company adopted the latest dry process precalcination technology incorporating five stage preheater for the main pyro processing system of the cement plant. For grinding the raw material, the Company undertook to instal the latest air swept roller mills of polysius design which were extremely energy efficient.

A computerised process control system with field instruments supplied by Larsen & Tourbo was also being installed to give consistently high quality cement with maximum productivity.

In addition, electronic packing machines were being obtained from Haver & Boecker, West Germany, and reverse air baghouse equipment from Zurn Industries, USA.

The company entered into an agreement with Krupp Polysius AG, (KP) West Germany, for supply of plant, equipment and service for the project, KP agreed to supply raw material and coal grinding vertical roller mills, homogenising and kiln feed, burning, cooling and coal firing equipment and pneumatic transport pumps.

KP have a collaboration agreement with Buckau Wolf India, Ltd. who are supplying the balance items of the main plant as per KP design. The scope of the agreement with KP provides for complete engineering of the plant, technical documentation and information and supervision of erection and commissioning of the project.

1983
All shares subscribed for by signatories to the Memorandum of Association, promoters, etc.

1985
A letter of intent was received to increase the installed capacity from 7,00,000 tonnes to 14,00,000 tonnes per annum.

146,44,500 No. of equity shares issued at par out of which the following shares were reserved for firm allotment: 38,24,448 shares to GIIC; 21,20,000 shares to overseas companies of non-resident Indian promoters on repatriation basis and 15,50,052 shares to N.S. Sekhsaria, Vinod K. Neotia and their associates.

Out of the balance 71,50,000 shares, 28,60,000 shares to non-resident Indians with repatriation rights and 8,75,500 shares to employees (including Indian working directors)/workers and business associates of the Company were reserved for preferential allotment. The remaining 34,14,500 shares were offered for public subscription during November. Out of the oversubscription, 33,50,000 shares were retained and allotted to the public.

1986
20,00,000 No. of equity shares issued at par of which 2,00,000 shares allotted to private promoters and their associates and the balance of 18,00,000 shares offered and allotted to the equity shareholders as rights in prop. 1:1.

1988
Production declined marginally to 8,02,301 tonnes due to heavy rains in July-August 1989 coupled with flash floods on 16th July.

1989
The 12.6 MW diesel generating sets which were imported during 1988-89 were commissioned during the year.

1990
Necessary approvals were received for setting up another cement plant with 1 million tonne capacity per annum at village Suli, Tehsil Arki, District Solan of Himachal Pradesh.

1991
In order to meet long-term working capital requirements, the Company issued 10,00,000 - 17.5% secured redeemable non-convertible debentures on private placement basis. These debentures would be redeemed in three equal annual instalments commencing at the end of the 6th year from the date of issue of the debentures, at a prem. of 5% of the face value of the debentures.

In order to part finance its expansion projects, the Company proposed to issue 52,62,500 No. of equity shares of Rs.10 each at a prem. of Rs.190 per share. Out of the total issue, 50,00,000 shares were to be offered to the existing equity shareholders of the Company as rights in the prop. of 1:4 and the balance of 2,62,500 shares were to be offered to the employees, directors and the business associates of the company.

In order to part finance its expansion projects, the Company also proposed to issue 52,62,500 - 17.5% secured redeemable non-convertible debentures aggregating to Rs.210.50 crores. Out of the total issue, 50,00,000 debentures were to be offered to the equity shareholders of the Company on rights basis in the prop. of 1 debenture for every 4 equity shares held and the balance of 2,62,500 debentures were to be offered to the employees, directors and business associates of the Company.

Each non-convertible debenture would be attached with a detachable warrant and the holder of one such warrant would be entitled to apply for and be allotted one equity share of the Company at a price of Rs.300 per equity share (Rs.10 towards face value and Rs.290 as prem.).

The warrant holders at the time of exercising their right/option to subscribe for their equity shares entitlement would have further option either to pay a price of Rs.300 per share of the Company or to surrender the equivalent number of debentures as subscription for allotment of equity shares.

GACL Finance Ltd., Concrete Investments, Ltd., and Indo Nippon Special Cements, Ltd. are the subsidiaries of the company.

1992
The Company undertook bulk cement transportation, by sea, to the major markets of Mumbai, Surat and other deficit zones on the West Coast. Transportation was to be carried out by three specially designed ships. The units bulk terminal at Kodinar and one at New Mumbai was completed and work on the third terminal near Surat began.

1993
51,60,165 rights equity shares allotted at a prem. of Rs.190 per share (49,66,815 shares, prop. 1:4; 90,850 shares to employees and 1,02,500 shares to Associates); 1,10,281 shares of Rs.10 each allotted at a prem. of Rs.215 per share on exercise of warrants by warrant holders.

1994
The Company's muller location 1.5 million tonne cement project with clinkeriation facility at site in H.P and grinding facility both at Suli & Ropar in Punjab was commissioned. Land was acquired at Sahranpur to serve as another site for grinding cement.

The Company also undertook to set up a new unit, `Gajambuja Cement' with an installed capacity of 9.4 lakh tonnes, at the existing premises. The kiln was fired on 1st March 1993 and the unit produced its first batch of clinker on 4th March, 1993.

The Company undertook to set up the third 1 million tonne cement plant at Ambujanagar. Orders for plant and machinery were placed and the plant was expected to be commissioned by December 1996. This will increase the company's total cement capacity to 4.5 million tonnes.

45,65,044 shares allotted on conversion of warrants. 12,21,994 allotted on conversion of aurobonds. 375 rights shares kept in abeyance allotted. 3,02,19,749 bonus shares issued in prop. 1:1 10,00,000 shares allotted to IFC Washington. 4,404 rights shares kept in abeyance allotted.

1995
The Company proposed to install one more cement mill at Himachal plant.
11,251,829 shares allotted on optional conversion of FCCBs. 7,724 Rights shares kept in abeyance allotted. 7,350 shares allotted on conversion of tradeable warrants.

1996
Two more ships `Ambuja Keerti' and `Ambuja Shakti' were added to the Fleet. The Company has submitted a proposal to revive Modi Cements Ltd. to IDBI during the year.

Another 19724 No. of equity shares allotted on conversion of warrants.

1997
100,000,000-10% non-convertible redeemable pref. shares of Rs. 10 each allotted and 30,000,000-12.75% non-convertible redeemable pref. shares of Rs. 10 each redeemed.

Gujarat Ambuja Cements Ltd's (GACL) Kodinar plant is set to commence commercial production with an enhanced capacity by mid-April.

Gujarat Ambuja Cement Ltd. has offered to set up a multi-crore cement plant in Jammu and Kashmir.

Gujarat Ambuja Cement Ltd. (GACL) was set up in 1981 as a joint sector company, promoted by Narottam Sekhsaria and Gujarat Industrial Investment Company (GIIC). Its cement plant which was commissioned in 1985 was set up in technical collaboration with Krupp Polysius, Germany, Bakau Wolf and Fuller KCP.

Gujarat Ambuja Cement Ltd. (GACL) is setting up two new units with a capacity of 1.5 m.t. each through its subsidiaries.

The company has signed a memorandum of understanding (MoU), with the promoters of Modi Cement to take control of the sick company and has prepared a revival proposal to be submitted to the Board for Industrial and Financial Reconstruction (BIFR).

1998
Gujarat Ambuja Cements to set up a $20 million clinker Grinding unit in Sri Lanka.

1999
Gujarat Ambuja is proposing to set up a greenfield cement plant with a six million tonne capacity in phases in Andhra Pradesh.

Gujarat Ambuja is setting up a 0.50 MT bulk terminal and a packaging facility at Tuticorin for Rs 16 crore to increase its presence in the south, especially Tamil Nadu.

Maratha Cements Ltd, a wholly-owned subsidiary of Gujarat Ambuja Cements is to be amalgamated with the latter.

The company has proposed a bonus shares in the ratio of 1:1.

2000
Cement giants Larsen & Tubro (L&T) and Gujarat Ambuja Cements have entered a unique agreement to reduce transportation costs in despatching bulk cement in Gujarat.

The Company has entered the fray for setting up a slag cement unit near the integrated steel complex of Jindal Vijayanagar Steel Ltd. in Karnataka.

The Company has entered into a contract with a Soinhalese firm, Mahaveli Marine Cement, to supply around 2.5 lakh tonnes of cement annually.

Eastern Ambuja Cement, a 92-per cent subsidiary of Gujarat Ambuja Cement, is in talks with Orissa-based Shiva Cement for a possible joint venture.

The Company has kickstarted its operations in Sri Lanka with the setting up of a cement terminal in the port of Galle, in the south of the island country.

Ambuja Cement Eastern, a subsidiary of Gujarat Ambuja Cements is making a preferential allotment of equity to its promoters to mop up Rs 30 crore to part-finance its Rs 130-crore expansion project.

ICRA has downgraded the non-convertible debenture (NCD) programmes of the company.

Fitch India has assigned a rating of Ind AAA to the Rs 50 crore NCD programme of the company.

2001
The Company has completed the issue of FCCBs of about $100 million issued in the international markets.

Gujarat Ambuja Cements Ltd., the fourth largest cement maker in the country, has closed its issue of secured non-convertible debentures after rasing the targeted Rs 200 crore.

Gujarat Ambuja Cements Ltd is planning to issue fresh equity shares on a prefrential basis to non-promoter groups.

Gujarat Ambuja Cements Ltd (GACL) has received Rs 200 crore from foreign equity investor, Warburg Pincus, as part of its proposed Rs 360-crore investment in the form of equity shares and convertible ants.

The company will buyback shares worth Rs 50 crore at a maximum share price of Rs 170 per share through the open market route, it said. Gujarat Ambuja Cements has clocked a 112 per cent rise in net profit at Rs 53.23 crore during the first quarter of the financial year 2001-02.

2002
Commercial production commences at Gujarat Ambuja Cements Maratha Cement Works plant

Board approves merger of Ambuja Cement Rajasthan with the company.

Mops up Rs 50 cr by issuing non Convertible Debentures (NCD)

Allots 80 lacs warrants to Affinity Investments, an Affiliate of Warburg Pincus Equity Partners L.P.

Securities Appellate Tribunal (SAT) directs Sebi to examine Guj Ambuja deal for ACC stake.

2003
SEBI finds no violation of Regulation 12 of the SEBI (Substantial Acquisition of Shares and Takeovers) Regulation, 1997 by Gujarat Ambuja Cements Ltd. with regard to the ACC deal.

Raises $80 million through External Commercial Borrowings (ECB)

2004
BIFR sanctions the rehabilitation scheme for merger of Ambuja Cement Rajasthan with Gujarat Ambuja Cements Ltd.

Gujarat Ambuja Cements Ltd has informed that Shri NP Ghuwalewala has been appointed as the Wholetime Director of the Company at the Board meeting held today on June 28, 2004

2008
Ambuja Cements Ltd has appointed Mr.Naresh Chandra as an additional director.

VALENTINE DAY

One of the English festival that is valentine day, this festival is celebrate every year on 14th February month.

In our India we are also celebrating this festival but every year on this festival we don’t want the Bajrang Dal, Bombay or the Sriram Sene, Mangalore (Karnataka), but sometimes the disturbing or fighting around Valentine's Day can really get on your nerves. So get creative and think the around heart-shaped balloons, so many flavor chocolates, love symbol teddy bears and candlelight dinners.

On every valentine day the Bajrang Dal and Sriram Sene’s are disturbing on this day. But I think what they are doing it is correct. Because they are fighting with western culture. From this type of incidents every time they are asking to every time what you are giving to your next your young generation. And why not celebrate the 14th November Children’s day, Mother’s day, Father’s day, 26th January Republic day, 15th August India’s freedom day and one of the most important day that is 21st of September, which the international peace day?, they are opposing this one day because they want only clean love. Now at present situations valentine day is a one of the sexual day, so they are opposing this day.

Valentine Day :
I think valentine day means not for only couples, valentine day means love, love means it is not between girl and boy. Valentine day means lovers day, lovers means it is brother sisters love, husband and wife’s love, mother and father. Love means it is each and every one love’s each other.

Red colour flower is symbol for love, yellow colour flower for friendship, and white colour flower for peace. Sounds like the rhyme you about the colours of the traffic signal. Several people will parrot these lines during love week. And this day flower shops will earn more and more money’s on this day.

CHOCOLATE’S :
You wouldn’t want to present chocolates to your Valentine. Found that a bite of chocolate is four times more exciting than kissing. And girl’s or boy’s agrees, saying chocolate biting is better than sex.

A dig into a bar of chocolate releases certain happy hormones in your complete brain the same ones that are released when you are in love. It lifts up your mood and takes you to the who needs a partner when you can have chocolate mode. The reasons why chocolate is better than sex: “Chocolate satisfies even when it’s soft. And it doesn't make you pregnant.” Besides, not everyone is crazy about chocolates.

Chocolates and Valentine’s Day have always been synonymous. It is time to break the jinx. Stay away from them if you don’t want to come across as unimaginative. Of course there is plenty of naughty stuff you can do with chocolate, you just need to use your brain. If you really want to gift to your Valentine something to eat, just find out what she really likes and then surprise her. I had gifted one of my girlfriends a box of chocolates.”

Valentine day is the day of love. Its not meant only for your life partner but also to whom you love a lot may be your mom, your dad, your brother, your sister or even your special friend. As per me I love my mom a lot so she is my valentine forever. May this day brings everyone closer.

When love is not madness, it is not love, we will fallen in love many times. Always with you, my dear wish you all a happy valentines day. Valentines day is the day of expressing your love in special ways it increase understanding, love and believes between lovers. It not only the day for lovers but also a day for whom you like and love the most in this world whether it is your mom or your dad. So celebrate the day of love because world needs love not war.

Love is a special feeling which gives you pleasure and happiness it gives you motivation. I pray the almighty for all the true lovers who have suffered break ups get back their love soon and be happy like before let the whole world cherish with love and happiness. I love may love for ever. You are always welcome dear, hope you understand my love soon.

Science red stimulates heart beat faster and dare fore love too makes the same. See rose is a beautiful and a captivating flower, it has been used as a symbol of love and romance. Red is color of blood, color of life, love makes the world go around, it is the source of life and yes dare are certain myths too pertaining to the symbolic representation of red rose as love.

I hope happy valentine day, morning is a wonderful opportunity to wish to love, to care, to smile and to see you in good mood in good morning. I guess valentine's day was propagated in India to promote consumerism. Its more about selling greeting cards and valentine gifts to express there love and romance.

Love has been compared to a red rose since time immemorial. So, if you are sure that is the message you want to convey, go all out get your loved one a bouquet of red roses. True love is just like blossom of flowers which never fade till last moment of your life.
“ek ehsas hai pyar bhi dur se mahsoos karo”
I love all the roses every rose has its own fragrance.
“Har dil ki ajab kahani hai, Chup rehna bhi pyar ki nishani hai, Kahi koi zakhm nahi phir bhi kyu yeh ehsas hai, Lagta hai dil ka ek tukda aaj bhi us ke paas hai”
Luck decides whom you meet in life your heart decides whom you want in life
but the time decides who gets to stay in your life.

Useful information but more than roses, a heart full of love is more important for live a life. Because where the love is, there is no expectation, no demand, no beauty. Only beautiful hearts of lovers can hold each other. Expression is important but deep love with understanding for each other is more important.

So, Valentine day means it is not for only boy’s and girl’s, it is to all age persons, Valentine day means it is clean and natural love.