Companies like Sephora, Sears and Crate & Barrel have increased the range and quantity of products available at their online stores and are sending online coupons and sale announcements via e-mail directly to their customers. Because online stores are open 24 hours a day, seven days a week, and their inventories are often more complete than those of their brick-and-mortar counterparts, the Internet makes it easy for shoppers to compare products within or between stores, to read product reviews from other customers, to access vendor return policies and to find warranty information.

Recent studies of the marketplace by Nielsen Net Ratings found more than 200 million Americans (or 75%) are using the Internet. Those who shopped online in 2003 spent $17.2 billion online in just the fourth quarter alone. Research firms anticipate that, in2004, the number of online shoppers will increase by 14 percent, representing 30percent of the U.S. population. In four more years, half the country’s population will be purchasing online.Many of the potential concerns that surround the safety of online shopping have been resolved by online payment services.

The premier service of this type is PayPal, which has set the benchmarks for secure Internet transactions and ease of use. When purchasing something using PayPal, users simply carry out the transaction through their PayPal accounts, rather than a credit card. PayPal then charges each purchase to the individual’s credit card or checking account. Because all PayPal transactions are based on the user’s e-mail address, merchants never have access to the user’s account information. This method is safer, more secure and more convenient than providing financial information to multiple sites of individual sellers.

The University Grants Commission has included all the Universities mentioned above in the list of Universities maintained under Section 2(f) of the UGC Act, 1956.However in the list of Universities/Institutions approved by Distance Education Council (As of 01/02/2010), only ICFAI University, Dehradun has been included. ICFAI is not affiliated with the CFA Institute and both the institutes have broken their partnership and are running their courses separately.

ICFAI, having been embroiled in a long legal battle with the CFA Institute, focused its energy on developing private universities, some of which have AICTE recognition along with UGC recognition. ICFAI has focused all its energies away from developing its CFA charter like giving it statutory recognition increasing its status as a high status profession like that of CA from ICAI, which was announced by the governing member NJ Yeshasway who vowed to take up the CFA Charter a notch above the legendary CA exam considered to be the toughest in the realm of finance, but instead has opened a host of non-CFA programs like MBA, ICFAI Business Schools (IBS), PG Programs which have scaled up into national top 10 place in India. It has also opened schools for under graduate programs and offering degrees. Indian CFAs pass with a stringent eligibility to qualify as CFAs but have only a niche finance sector as the job market unlike CA which has traditional roles of Auditing and taxation along with statutory roles. CFAs work in investment related and finance fields where MBAs (some from ICFAI itself), CAs, Master’s Degree holders of Statistics, Economics, Doctorates etc. hold top posts.

ICFAI though has safeguarded its CFA charter in India with valid state legislature under IUT Tripura Act, but CFA charter holders are not mandatorily employable and currently don’t perform any statutory duty unlike CAs, CSs, CWAs, though CCFA tried to accomplish this in investment related areas in India by submitting a draft bill to the ministry of finance for consideration which was rejected due to various legal disputes that ICFAI faces.

ICFAI is also creating a window for students of CFA program to undergo 2 months internship with its in-house concerns to impart rigorous analytical skills. Exemption for MBAs will be stopped from the current academic year. Also, ICFAI is drafting a continuing professional development module which will be compulsory for all the current CFAs. This program will enable the current CFAs to enhance their knowledge in their respective areas and will include relevant statutes changes, paradigm shift in capital markets and allied subject matter. ICFAI hopes to regain the old status of its CFA program through continuously evolving methods, the most recent is focusing on the core aspects of investment management and financial analysis in its MFA degree(current CFA syllabus) and increasing CFA charter membership by giving official charters to students who have cleared the core subjects of investment management and financial analysis of the previous(CFA curriculum) MS Finance program.

Pahalgam is at an altitude of 2,130 meters above sea level, 96 km east of Srinagar. Pahalgam Kashmir’s top tourist attraction during summer, Pahalgam has many attraction of its own like pretty walks, beautiful 18 hole golf course, trout fishing, white water rafting, trekking, hiking and breath taking sight-seeing and much more. Some of the paths above, as Baiserran and Khaimu are worth a visit. It is an excellent base, perhaps the best in Kashmir Valley, for expeditions to the wider scenery of the higher mountains; SonaSar, Shisha Nag, Amarthnath cave, Har Nag, Lidarwat and the Kolahoi glacier, afford some of the wildest and most beautiful scenery of the Himalayas.

Pahalgam has within it no fewer than eight tiny villages, one of which is Mamal. There is a Shiva temple here, generally considered to be Kashmir’s oldest existing temple dating to the 8th century.

Chandanawri, 16 km from Pahalgam, is the starting point of the Amarthnathyatra which takes place every year in the month of sawn (July- August). The destination is the Amarthnath cave, believed to be the abode of lord Shiva. Although the road from Pahalgam to Chandanwari onwards the track becomes much steeper, being accessible on foot or by pony. 11 km from Chandanwari is the mountain lake of Sheshnag, after which, 13 km away is the last stop, Panchtarni. The Amarthnath cave is 6 km away from there. During the month of Sawan, an ice stalagmite forms a natural Shivling which waxes and wanes with the phases on the moon.Aru, the Wildlife Sanctuary is located close to Pahalgham. The best time to see an animal is September to April and bird viewing from march to August.

Pahalgam is known as trekker’s paradise and some of the popular treks from Pahalgam lead to the Kolahoi Glacier via Aru, Satlanjan and Dudsar Lake and to the high altitude lakes that dot the meadowland and mountain ridges between Pahalgam and Sonamarg. All the gears needed for trekking are available in the market.

Shower power. Maybe a bath sounds babyish to our growing child. Instead, we can install a kid-safe showerhead, for ages 3 and up, which is adjustable to our child’s height, has a gentler spray and fun animal shaped showerheads—these are available at many department and larger grocery stores. The idea is that feeling independent and grown-up will encourage him to lather up more often.

Wash hands

Hand washing is the best way to prevent the spread of illnesses, says Dr. Smitherman. “Germs from coughing, rubbing the eyes, nose and mouth can be spread to other people by the hands. Hand washing helps decrease the number of germs that can be spread.”

Make it count. Using the proper technique is important when washing hands: first wet the hands thoroughly with warm water, then use enough soap to create a good lather and rub the hands vigorously for 20 seconds. Rinse, dry and turn off the faucet with the towel. To keep kids scrubbing for a sufficient amount of time, use a timer or get them to sing “Happy Birthday” or recite the alphabet Kids should wash their hands frequently: before all meals, after outdoor activities and playing with pets.

Clean hands on the go. While washing hands with soap and water is best, hand sanitizers are very useful when there is no access to running water, such as in the car, on the playground and in the classroom. They’re safe to use for all ages; however younger children may need to be closely supervised so they don’t put their hands in their mouths or rub their eyes before the sanitizer evaporates.

Care for teeth

Brush properly. By the time our child is a pre-teen, she should be brushing three times a day. “Kids are now eating smaller meals, more often. This means they have more food sitting on their teeth, which leads to more risk for cavities.” Besides brushing in the morning and before bed, squeeze in a third brush mid-day after the afternoon snack. And anytimeour child munches on sugary treats, have him brush within 20 minutes since bacteria can take their toll that quickly.

The Company Secretaries (C.S.) have emerged as indispensable adjunctments, to the Indian Corporate Sector due to their thorough knowledge base in areas such as corporate laws, capital market operations, stock exchange and trading etc. They have contributed significantly to the growth of Indian Corporate Sector by rendering effective secretarial, legal and management assistance to the small, medium sized companies and other business establishments.

The liberalization of Indian economy has brought about a sea change in the role and profile of a Company Secretary. The job of a Company Secretary involves diverse responsibilities. The company secretary’s role has assumed significance in the present situation as, in the liberalized economy; the thrust is on self-regulation and self-discipline in which the concept of management by exception plays a pivotal role.

Company Secretaries are also seen as corporate development planners who explore expansion opportunities such as arranging various collaborations, amalgamations, mergers, acquisitions, takeovers, setting up of subsidiaries and joint ventures within and outside India. The capital market has witnessed a rapid growth and this has opened new vistas for company secretaries. The Position In fact, many company secretaries are already holding key positions in the capital markets and financial service industries. “A Company Secretary is in fact better equipped than a person holding an MBA (Finance) in accountancy and documentation in financial services. The role of a company secretary becomes more pertinent as the corporate houses are laying emphasis on investor relations and setting up investor grievance Cells.

Almost every kind of organization, whose affairs are conducted by boards, councils and other corporate structures, whether it is a trust, society or a co-operative society, association, federation, authority, commission, board or the like find it useful to appoint company secretary. A qualified CS has access to openings in the private and public sector, financial institutions, stock exchanges & the Central/State Government. Company Secretaries are the only interface between management and the investing public that is what makes them important in the corporate hierarchy. A company secretary’s expertise in handling three areas management, accounting and law makes him the right choice for a place on the Board of Directors. He is to accompany what a Secretary to the Government of India, is to a Ministry

Some of the other estimates of the NASSCOM report on animation indicate the following:

• The global entertainment market will generate a demand for animation production services of the order of US$ 37 billion by 2013.
• In the non-entertainment segment the demand for animation production services will touch US$ 14.7 billion by 2015.
• The global film/TV program production market will create a US $ 17.5 billion revenue opportunity for animation production houses
• The Indian gaming industry was estimated at nearly $48 million in 2006 and is expected to cross $424 million by 2010.

Pune, is competing with Hyderabad and Mumbai to be the country’s animation hub. With the sector facing severe human resources shortage, more and more studios are increasingly venturing into animation training. Chetan Deshmukh, an animator and special effects expert, recently shifted his base to Pune from US. He has worked on Hollywood movies like Chicago and Shanghai Knights. The Mahratta Chamber of Commerce, Industries and Agriculture (MCCIA), a premier body of industries in and around Pune region has launched a program me to catapult Pune as a global hub for animation and gaming. It has recently formed a group of professionals, training institutes and celebrities to implement the initiative, with filmmaker AmolPalekar has as their brand ambassador.

Globally, the animation industry is poised to touch USD 100 billion by 2012 and India’s animation industry is expected to hit USD 1 billion by 2012, aided by increased outsourcing and a growing domestic market," according to Maya Academy of Advanced Cinematics ( MAAC) Business head.

Maya Academy of Advanced Cinematics (MAAC) is the leader in high-end 3D Animation & VFX education in India and is engaged in the making of most awaited 3D animation film "Ramayana the Epic”.Animation in India is on the right track. There is a lot of interest in it, and therefore a lot of uptake in the sector.

Our biggest advantage is the technical expertise, robust telecom infrastructure and English-speaking graphic designers and animators who with relevant training can be quickly made ready for the industry, at costs lower than those prevailing in developed markets.Indian companies have also been helped by the increase in production budgets for animation movies worldwide. In the past decade, more than 15 animated movies, with budgets over USD 100 million, have been produced and we are hoping to continue this trend

· Net Banking.

· Credit Card.

· Debit Card.

· Cash Card.

· Demand Draft

Sites which offer you services to recharge your Phone/DTH.

1. Fastrecharge.com

2. Mobileseva.in

3. Rechargeitnow.com

4. Easymobilerecharge.com

5. Indiamobilerecharge.com

6. Mobilerechargeindia.com

7. Rechargeitnow.com

8. Apnabill.com

9. Mobikwik.com

10. Onestoprecharge.com

11. Erecharge.in

All sites require us to sign up and verify the mobile number and email address.

If you didn’t like one, then you switch to the next one. Apart from the above services wecan also recharge your phone and pay bills through your online bank accounts and also directly from the websites of the mobile operator.

The list of banks which let us recharges our Phone through ATM and Net banking.

· HDFC Bank

· CITI Bank

· ICICI Bank

· Deutsche Bank

· Axis Bank.

· Standard Chartered Bank

· Corporation Bank

Things you should take care while using Net Banking/Debit card/Credit Card

As we know there are many online frauds while dealing with money and banking accounts. If we don’t act wise, then our account and money might be in danger. While suing online services, please check whether the site is SSL Secure, we can look for the logos of ”VeriSign Secured” “Global Sign” and others. Also look for the VISA or MASTER CARD. Sometimes they may spell incorrectly to confuse us.

Most of your work proceedings are conducted through mobile. Thus it has become an unavoidable component of our life. But a mobile without balance is like a body without soul.

So in order to stay connected 24*7 it is essential that there should be sufficient balance in our account. But imagine a situation that you have to make an urgent call late at night and we find that our mobile has run out of balance. What would we do in such a situation? Since even the retailers’ services will not be available at odd hours. In such situations the ultimate savior will be online recharging of mobile. Online recharging is available for prepaid mobile phones. With more users becoming internet savvy the popularity of online recharging is also growing.

Mobile Recharge API is like a blessing not only for mobile users but also for those who are running online mobile recharge business. The dual beneficial aspect of online mobile recharge can be understood from the point of view of customer and the recharging service provider. Mobile recharge API offers following benefits to customers: •Immediate Recharge: The customers can either get their mobile recharged or they can recharge their mobile immediately through internet by following few simple steps.

There are many reasons to invest. We can create wealth, beat inflation, achieve financial goals like buying a car or paying for college, and retirement. We can choose from many investing options. We can invest in Share Market,Equities, IPO’s, Mutual Funds, Insurance, PMS and other several asset classes.

We see stock market investing from our perspective, and make stock market recommendations based on actually listening to us and understanding your needs. Managing investments in equities requires time, knowledge, experience and constant monitoring of stock market. Those who need an expert to help to manage their investments, portfolio management services (PMS) comes as an answer. The business of portfolio management has never been an easy one. Juggling the limited choices at hand with the twin requirements of adequate safety and sizeable returns is a task fraught with complexities. Given the unpredictable nature of the share market it requires solid experience and strong research to make the right decision. In the end it boils down to make the right move in the right direction at the right time. That’s where the expert comes in.

How do we get benefit with PMS?

Transparency:

At most times the rationale behind your investments is a matter of concern. With PMS our Portfolio Managers will always keep you apprised of the reason behind investment decisions, plus you are always kept up-to-date on the allocation and distribution of your funds.

Scientific Investment Decisions:

PMS provides a scientific and disciplined basis for investing. Besides you have the flexibility of making investment decisions after speaking to our Research Team.

Expertise:

Traditional investment options do not provide a team of dedicated investment consultants. PMS will provide we exclusive access to the Research Desk and their Proprietary Research Reports. The Consultative Investment Approach of PMS gives us an opportunity to learn the nuances, understand the rationale and details behind every investment decision.

Nainital is 34 Km from Kathgodam, the gateway of Kumaon and the terminus of North Eastern Railway. It is 304 km from Delhi, capital of India, and 388 km from Lucknow the State capital. According to the District Gazetteer Nainital is situated at 29 degree 24′ north latitude and 79 degree 28′ east longitude, in a valley of the Gagar range running east and west, which is bounded on the north by the peak of China, which rises to a height of 8.568 feet, continued by the Alma peak (presently known as Snow-View) and the Sher-Ka-Danda to the eastern extremity, where the ridge descends almost to the level of the lake. On the west the rugged hill of Deopatha rises to a height of 7,987 feet, and on the south Ayarpatha attains an elevation of 7,461 feet diminishing gradually towards the east.

While the intervening portion between these two hills is a mass of rocks piled up loosely together which goes by the name of Handi Bandi, and is formed of the transition limestone of Mussoorie. Exhibitingeverywhere vast rents, fissures and boulders of all sizes and shapes. The eastern boundary is the pass through which the surplus water of the lake find an exit, forming the principal source of the Ballia river, which falls into the Gola near Ranibagh. The western end of the valley consists of a series of gentle undulations formed by the debris of the surrounding hills. Thus Nainital is situated at a height of 1939 meters from sea level & is surrounded by some outstanding

Peaks and hills. The town has the famous lake to which it owes its name. The surface of this lake has an elevation of 1.935 m above sea level. Maximum length & breadth being 1,434 m & 463 respectively.

The depth of this lake is said to range between a maximum 28 meters and a minimum of 6 meters. Most Important Characteristics of the town Nainital has some unique features and physical characteristics. By far the greatest attraction is provided by the lake Naini. Flowing on the base of rising peaks. Cheena, Laria-Kanta, Deo- patha, Snow view and others, the lake presents a view which lingers in memory. All around the lake is wide road, the Mall, now known as G. B. Pant Marg, which is crowded by pedestrian and rickshaw traffic. All this is mirrored up and brightly reflected in the glittering blue waters of the lake

The newest trend is medical tourism in India. India is considered far better from its other asian rivals like Singapore, Thailand etc in many aspects.
Many people from Europe, Africa, America etc are coming to India for medical treatments either it is a small dental surgery or a severe cardiac operation. The key behind this is cheap treatment and the quality of service. patients can save upto 60-90% of the amount they would have been charged in their own country for the same treatment. India is most preferred nation for this purpose because of the world-class reputation of Indian doctors.

Indian doctors are serving in all the big countries of the world and they secure a key place at all the reputed medical institutions of the world. About 300,000 foreigners came to India for medical tourism in 2007. Indian market reports state that most of the medical tourists coming to India are from asian countries and about 20% of them are North-American & about 30% are Europian.
Growth Of Medical Tourism In India – This trend is benefitting not only Indian medical industry but the local tourism industry too as the patients utilise their trip by visiting famous tourist destinations of the country. In 2007, medical tourism brought a revenue of about US $650 million and this figure is increasing by the rate of 30% annually. There a number of medical hospitals in India that are specialised in such business and they provide a complete package of medical vacations.
Overseas cosmetic surgery costs somewhere near a major operation in India. A good number of medical tourists come here for dental treatment, cosmetic surgery and wellness therapies.
Wellness tourism contributes a big share in the lot of medical tourism in India. Ayurvedic therapy, yoga, naturotherapy, herbal treatments etc are very famous indian traditional therapies. Ayurvedic treatments are very popular among foreign tourists for wellness purpose as they don’t impart any side-effects. Kerala, Goa, Uttaranchal & Himachal Pradesh are the popular wellness medical tourism states of India. A proper hospital accreditation system is very necessary for the standardization of the medical facilities in the country.