All posts by Ridhima

Witticism | Blogging | Philosophy | Spirituality | Online Junkie | Art Enthusiast | Gratification of senses | Technophile | Bibliophile |Totally Unleased… @Rhydemz on Twitter

Old golden days… Cheating at School…

caught-cheating-tests-01-af5

Get advance copies of the exam
• break into professor’s office
• hack into professor’s computer
• bribe copyist
• bribe TA
• consult test banks (most commonly maintained by fraternities and sororities). These are copies of tests gained either legally from professors who let students keep tests (this one is not cheating – it’s the prof s fault for repeating questions), or illegally by people who don’t turn tests back in or take an extra copy while it’s being passed out.
• if there is more than one section of the class, interview people who took the test in an earlier section. You could bribe several people to each memorize just a few questions and then get together to reconstruct the whole thing after the exam-worthwhile if you share the answers (and cost) with others.
• pay for exam answers from someone else who does any of the above.

Copying from neighbors’ papers
• Sit next to the person you want to cheat from. If there are different versions of the test, either mix them up while they’re being passed out (so you and your seatmate end up with the same version) or sit diagonally behind the person you want to cheat from.
• Several people can cheat by sitting in a “Flying V” formation, where the person to be cheated from sits at the head of the V and the cheaters fan out behind in diagonals.
• You or someone else can “accidentally” drop a paper on the floor so someone else can look at it.
• Walk up to the front to ask the professor a question and peek at other people’s tests on the way up and back.
• Use a small mirror to “adjust contact lenses” while really using it to peek.

Crib sheets

cheating
Students have devised a wide variety of places to hide cheat sheets.
• Desk/Chair: the night before, write the crib sheet on the desk you’ll use. Either write in pencil (hard to see, easy to erase) or whittle an eraser to a point and write using the eraser. You could also write in on the back of the chair in front of you (if you’re bold enough, you can do this on the day of the exam after you sit down), the floor, or the desk edge. One anecdote tells of a female student who wrote her crib notes on the edge of the desk where her breasts would obscure them as she hunched over her exam.
• Food/Drink: Bring a bottled water or soda into class with you- the kind that has an easily pealed off paper around it like Cherry Coke. Before going to the class, write the cheats on the liner, and reattach it FIRMLY to the bottle. Any time you need an answer, take a drink of your soda and you will see some answers. Do NOT do this with a clear or light colored beverage! (NOTE: other mentions of hiding crib sheets in food items are common: in chip or cookie packages, computer-printed fake labels, a piece of tracing paper inside a gum wrapper that gets chewed with the gum after it’s used).

Body Parts

• Hands/Arms: the old standby! Write on your hands or arms and hide it from the professor with hand position or sleeves. The webbing between the fingers is a good place.
• Ankles: cross your leg over your knee and pull down your sock to view.
• Legs: Make a crib sheet with all the important information from the class, or you can write the information on your thighs. If you use the crib sheet tape it to the inside of the part of your skirt that covers your behind. Every time you need some information just lift the front of your skirt enough so you can see the crib sheet and whatever information you need. Anyway, the nice thing is that the instructor can’t really do anything, because if they accuse you of cheating by this method you can always call the instructor a “pervert.” The odds of the instructor reporting a cheating incident like this are pretty slim because the administration will ask, “How did you determine that she was cheating?” What would they say? Whatever they say, though it is true, will make them look like some lowlife child molester, and who wants that?
• Fingernails: I used to use mechanical pencils to write on my bare fingernails. Formulas, verbs, quotes, you name it, and I wrote it on my nails! If the teacher came by, I would curl my fingers under or put my hand in my lap. If worse comes to worse, you can rub off any evidence with one swipe of a sweaty (or spitty) fingertip. Females also report writing crib notes on the underside of false fingernails before attaching them.

Clothing
• Shoes: Write some facts on the bottom of your shoes.
• Hat: Hat: write notes on it in pencil to read during the test while your head is down. The teacher can’t see your eyes looking up at your visor because the visor blocks their view. The pencil then erases or rubs off rather easily so that you can wear it on non-test days, too, to throw off suspicion.
• Shirt: Wear an open flannel shirt to school. Have answers secretly taped to the inside, and when the teacher isn’t looking, just open it just enough to seethe notes. Or use a “cheating shirt”-a tiedyed or other print shirt with information worked into the designs.
• Tie: Write all important notes or formulas on the back of your tie
• Belt: tape the cheat sheet inside your belt. Either use a belt that’s too big or you’ll have to un-do it and slide it out during the test.
• Watch: Write a very small crib sheet, one that is about the size of a watch face. Empty the contents out of an old watch and insert the cheat sheet. Wear the watch with the face on the inside of your wrist. Never wear a t-shirt; only wear clothing with long sleeves!
• 101): For tests we have to show ID. Whenever I am going to have a quiz or test or whatever I write info on the back of my id card. Then I lean back and when I lean forward my card plops write on my desk. Just look at the back of your card and copy away. When the test is done just erase it off because the card is plastic,
• Other: eyeglass frames, mirrored sunglass lenses, band-aids…

Pencil/Pen

• Engraved Pencil: Etch them (notes) on a standard #2 pencil (the 6 sided type) with a new sharp razor blade. Don’t etch too deeply. Then, when you need the engraved information just rub your sweaty fingers over the etchings to get some dirt into them so they become visible. It’s virtually undetectable if you only use 3 sides of the pencil, and rotate it when someone is walking by. NOTE: the most elaborate organized cheating scam of all time sold pencils pre-engraved with the answers to standardized tests for up to $9,000 apiece!
• Engraved Pen: Put a pin in a mechanical pencil where the lead is supposed to be (cut the head off of the pin), and carve your cheat notes into the pen(s) you are using for the exam.
• Empty Pen: take a pen that has run out of ink and write your notes on a sheet of paper. The paper becomes a “scratch sheet” for the test, and you can view the writing by looking at the paper from the proper angle.
• White-Out: write on your “scratch” paper with white ink or White-Out error correction fluid.
• Fluorescent Pen: Student writes on “blank” blue book or scratch paper with invisible ink — visible only when ultraviolet light is shined on it. Thousands of cheap ultraviolet light pens are sold annually.
• Eraser: write answers on the bottom of the big erasers people use; can also be a method of sharing answers with others wince most professors will let you borrow an eraser from someone else during a test.
• Masking Tape: It’s better to write crib notes on masking tape than to write it on your body, because if they suspect you and it’s written on your body you’re busted! With thin masking tape you’ve at least got a chance to get rid of it because that stuff compresses into a ball that’s impossible to unwrap.
• Tissue: write your crib notes in pencil on a tissue. If the professor starts to come by, blow your nose into it and wad it up. If you can’t blow your nose, spit into it so it looks like you’ve blown your nose (gross!) and wads together permanently.
• Sticky Film: Use a good Laser printer to print your cheat notes using a very small font size (2-4). This way you can print off a lot of notes in a small area. You can buy transparent sticky film for laser printers. a transparency sheet, and if you print your cheat notes on these ‘stickies’ you can stick them on your tools: calculators, erasers, rulers, etc. If you have a black pen or calculator, the transparent film will not be noticeable since they are clear and the laser toner is black. You can read the text when the light shines on it the right way.
• The Room: write coded information on posters, blackboard, podium, in dust on cabinets, etc.
• Note Card + Rubber Band: write your notes on an index card. Punch a hole in the comer and thread a rubber band through the hole. Safety pin the non-card end up your sleeve and pull the other end down (the one with the card) and loop it around your thumb. Conceal the cheat sheett in your palm. Just in case the professor comes to check, simply release the band which is around your thumb and it will spring back up inside your sleeve! Only make sure you have all the information you need because once it’s released you can’t access it again!” NOTE: other students claim the cards can be retrieved at will.
• Cover Your Crib Sheet Tracks: write crib notes in a way that can be erased or obliterated immediately. If you must write them in pen, carry an alcohol prep pad or soak a moist towelette in fingernail polish.

Using Technology to Cheat

• Calculator: programmable calculators can hold text, formulas, even pictures.
• Watch: “data bank” watches can hold crib notes
• Pager: Setting electronic pagers to store messages students can conveniently call up when the teacher’s not looking. In one variant, a high-tech student used a tiny wireless video camera in a hat to transmit images of the test to an accomplice, who sent pager messages (the pager set on vibrate) to indicate answers! A related story regard the GRE: people taking it on the East Coast were reportedly beeping answers to persons on the West Coast.
• Palm Pilots and other personal digital assistants (and some calculators, too) allow information to be beamed across a distance via infrared. A student can use a laser pointer (many look like pens) to “write” the answers or as part of a code (e.g., left top side of floor tile = “A” , right top = “B”, etc.
• Walkman: record your notes, take a Walkman to class and listen to it during the test. It helps to have some music on their so if the prof walks towards you by the time they get there the music is playing.
• Micro-recorder: used when the same test is delivered in multiple sections; questions are whispered into microphone for later transcription.
• Wireless Monitor: used by musicians, this consists of a body pack transmitter concealed under clothing combined with a small flesh-colored earpiece; the wire is hidden under hair and clothing. A cell phone plus a small earpiece can be used for the same purpose.
• Camera: at least one instance of a student transmitting exam questions via a tiny wireless camera and receiving answers via a wireless monitor has been reported. And a watch that incorporates a digital still camera has already been released in Japan.

Using Old Exams
If the prof gives old tests back, take one from a previous semester and write all over it. Ask what colors of paper they use on tests and make copies of it in those colors. When the prof s not looking, take out the test of the same color, slide it under the real test, and cheat away.

Blue Books
On exams for which you have to bring you own paper or test booklets,. write all the information that you need in and outline form. If an instructor asks you about the outline (though doubtfall) simply explain that it’s a pre writing work to help you organize better for the actual essay or problem. To let you know, I think many people across the country have used this method on bluebook exams. It works, and is very hard to catch, just make sure your teacher doesn’t collect them at the start of the exam, and redistribute them.
Leaving Class
Leaving the test room and getting help (most often, under the pretense of a bathroom break).

Ringers
Convince someone else to take the test for you. If the proctors check IDs, either pay for a fake ID for them or pick someone who resembles you. On test days, they should try to look as much like you as possible. Take the test, but have the ringer sit next to you so you can copy off them. Take the test, but switch papers with the ringer and turn in the ringer’s test instead of your own (they can turn in their test using a fake name, or better yet, steal the test for a test file.

Take a Make-Up
If it’s the night before the test and you still haven’t studied, call the professor and plead illness or a relationship breakup, acting all distraught. Professors cut you more slack if you call them in advance. If you can’t, and you miss the exam, it depends on how strict they are: with some, you can plead your way into a makeup without any proof; with others, you might have to fake a doctor’s note or con your doctor into giving you one. Of course, in the meantime, you’ve interviewed your friends to find out exactly what was on the test (most instructors don’t go to the extra trouble of making out a special make-up test).

Turning In The Exam
• Not handing in the test and later acting all upset because the professor lost it.
• Gleaning answers from turried-in papers or a post-exam solution sheet, then correcting their paper before handing it in.
• Go up to ask a question and distract the professor long enough to snag someone else’s test or answer sheet. Take it back to the desk, copy answers, and turn both in (be sure not to put them back to back in the stack if you can help it). As a variation, if you don’t like the person, change some of their answers to wrong answers!
After The Exam
• Substituting correct solutions for incorrect ones after the graded tests are handed back.

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Collusion
• I sat right behind a girl that I was very good friends with and she had long wavy hair that remained stiff due to hairspray. Come test time I would simply insert my crib sheet into her hair and pull it aside when I needed an answer. I would then lean forward and whisper the answers to her.
• One person goes up to ask a question to the professor, but is really there to distract him/her while others cheat.
• We’d ask good-looking girls to dress really sexy (like short skirts and low-cut shirts) on the day of the exam and sit up front to distract the professor so we could all cheat.
• Cheater sits by window and confederate outside indicates answers.
• The better prepared person creates a cheat sheet for the lesser-prepared person during the exam, then finds a way to deliver it to them (e.g., dropped, written on eraser).
• The confederate takes two answer sheets and places them together, then writes hard enough on the first to leave impressions on the second. They then find a way to share the “blank” sheet with the cheater.
• Your friend fills in two answer sheets, one with your name and one with his. You both wait until that “crunch” where a bunch of people are leaving at once, then he/she turns in both while you leave without turning in yours. If the test requires names to be written, yours is left blank; either you immediately return because you’d “forgotten” to write your name on yours, or just wait — most professors will automatically assigned an unnamed paper to the person missing the exam score.
• If the instructor has you swap tests and grade each other’s tests, make a pact to misgrade each others’ exams.

Communicating in Codes
• The old tap and eat some colored candy routine! On multiple-choice tests, I tap out a number like – — (which I think Lina is trying to say is one tap, then 3 taps, thus 1-3 which becomes 13) is 13 and — —- is 25 you get the drift, really simple. Then the person answering gives the answer by eating an M&M or Skittle, where lets say red=A, blue=B, yellow–C, etc.
• NOTE: there are dozens of codes students have devised: hand position, foot position or foot tapping, test position, noises like clicking of pens, clothing positions, etc.

Badger the Professor
• Go to their office and get them to change your grade. You have to find out what works for the individual professor — with some, it’s being sexy, for others it’s being nice, or crying, or just being a pain in the ass long enough so they’ll give in just to get rid of you.

Alter Records
• Hack into their computer
• Change their gradebook
• Steal their gradebook
• Steal the exams before grades are entered

If You’re Caught
o Deny, Deny, Deny: Never admit cheating — ever! Invent a plausible story. If you stick to your story, say it enough times with enough conviction and emotion, they’ll start to doubt themselves. Once they doubt, their conscience will bother them: after all, what if they’re making a mistake when a mistake could ruin someone’s life?
o Badger: Go to their office to plead your case and don’t take no for an answer — don’t leave their office until they give in. Most people won’t call the police on you, so keep saying you’re going to leave but don’t leave. Eventually, most profs get frustrated and figure it’s not worth the effort.
o Squeaky Wheel: if you raise a big enough stink far enough up the line, they’ll cave in because it’s not worth the trouble. And if they don’t, their boss or their boss’s boss will.
o Ignorance: If possible, say you didn’t know it was wrong.
o Remorse: if the evidence is really against you, cry uncontrollably. Sob about how one small mistake will ruin your whole life and your family’s lives.
o Not on the Syllabus: argue that since it wasn’t specifically prohibited on the syllabus, it wasn’t prohibited.

If All Else Fails…

Get to be friends with the instructor. Students have even been known to sleep with the instructor, sell dope to the instructor, or even blackmail, frame, or unjustly accuse the instructor.

Disclaimer: We are not to be held responsible for any consequenses. This is just for fun and not to be tested in real life.

Success needs Breaks;)

Think Big: Remember, success always comes to those who really want to succeed in life. So, don’t be afraid to think big. And then, plan ahead to achieve all that you are dreaming of.

Plan your career: A lot of people keep cribbing about how success keeps eluding them. The most common reason they cite is that their boss is not helping them succeed. However, the problem is most people don’t spend much time in analyzing which direction their career has taken and if it is running on track.

It is very easy to lose sight of your goal and the path you need to tread on. Sit down and chalk out a fresh career plan. Where am I? And, where do I want to reach in X number of years? Only you can decide on that and execute it. But if you truly think that your senior is the reason for you not reaching where you want to be, then communicate and clear the air.

Be Bold: Learn to face challenges. Some may prove to be tough obstacles right upfront, while others may not be so straight forward. But a true go-getter is a person who can take on whatever is dished out to him/her of you have any issues with your colleagues, be bold enough to raise them and clear them out.

Work as you have fun: But it’s just the opposite what most end up doing. So, make sure you’re serious when you sit down to work. Enjoy the weekends and work hard during the week. Go for regular outings parties, long drives, etc. Choose something that gives you maximum fun on your day off and come back rejuvenated.

If you think you deserve more, make sure you demand it. Most employees lose out on getting good salaries and desired posts because they never open their mouths. Communicate what you think should be yours and let your work justify the need.

Take a break:

You can’t possibly work 9 to 5 without a break, so don’t pretend yourselves and us. Work Life can be quite a drab if you don’t take time off during the day to unwind and break-free. And it is not about just going to wash room or coffee break. Be a little more creative and you will find a host of breaks staring you in the force. Indulge in them and you will find yourself staying light years away from stress.

Recreations break: Most companies these days have a recreation room well equipped with a carrom board, table tennis, pool table etc. Make it a point to spend at least half-an-hour there. If you do not have a recreation room at your office, try alternative ways of unwinding. Log on to www.shockwave.com,www.orangeshark.com Yahoo / MSN Games or check out http://midday.com/crosswords/index.htm. Or pick up a newspaper for the cartoon strips.

Wash room Break: Don’t underestimate the efficacy of one. Whether it is to catch up on your afternoon siesta or to enjoy your own space, a loo break can do wonders. Even 2-3 minutes away from the maddening crowd at work is enough, it eases frayed eves.

Lunch break: Doesn’t matter what’s in your Tiffin box, half-an-hour away from work with your colleagues can really charge you up. Just make sure you don’t discuss work. Discussing colleagues is allowed though. In fact, you might have already found out that it is quite therapeutic.

Coffee break: If you want to distress coffee is the thing for you. It makes for a great gossip drink and also has the potential of keeping your eyeballs open. Moreover, you can take this break as often as you want.

Ideation break: If you are in the creative line, you need this break. Turn on your favorite music and spend a good 15 minutes thinking of ideas and developing them. If you are not the creative type, plan your day or week ahead.

Heart of Gratitude

A blind boy sat on the steps of a building with a hat by his feet. He held up a sign which said: “I am blind, please help.” There were only a few coins in the hat.
A man was walking by. He took a few coins from his pocket and dropped them into the hat. He then took the sign, turned it around, and wrote some words. He put the sign back so that everyone who walked by would see the new words.
Soon the hat began to fill up. A lot more people were giving money to the blind boy. That afternoon the man who had changed the sign came to see how things were. The boy recognized his footsteps and asked, “Were you the one who changed my sign this morning? What did you write?”
The man said, “I only wrote the truth. I said what you said but in a different way.”
I wrote: “Today is a beautiful day but I cannot see it.”
Both signs told people that the boy was blind. But the first sign simply said the boy was blind. The second sign told people that they were so lucky that they were not blind. Should we be surprised that the second sign was more effective?
Moral of the Story: Be thankful for what you have.. Be creative. Be innovative. Think differently and positively.
When life gives you a 100 reasons to cry, show life that you have 1000 reasons to smile Face your past without regret. Handle your present with confidence. Prepare for the future without fear.Keep the faith and drop the fear.
The most beautiful thing is to see a person smiling…
And even more beautiful is, knowing that you are the reason behind it!!!
Enjoy your day with a heart of gratitude.
A blind boy sat on the steps of a building with a hat by his feet. He held up a sign which said: “I am blind, please help.” There were only a few coins in the hat.

http://i261.photobucket.com/albums/ii51/faithlor/gratitude.jpg

A man was walking by. He took a few coins from his pocket and dropped them into the hat. He then took the sign, turned it around, and wrote some words. He put the sign back so that everyone who walked by would see the new words.
Soon the hat began to fill up. A lot more people were giving money to the blind boy. That afternoon the man who had changed the sign came to see how things were. The boy recognized his footsteps and asked, “Were you the one who changed my sign this morning? What did you write?”
The man said, “I only wrote the truth. I said what you said but in a different way.”
I wrote: “Today is a beautiful day but I cannot see it.”
Both signs told people that the boy was blind. But the first sign simply said the boy was blind. The second sign told people that they were so lucky that they were not blind. Should we be surprised that the second sign was more effective?
Moral of the Story: Be thankful for what you have.. Be creative. Be innovative. Think differently and positively.
When life gives you a 100 reasons to cry, show life that you have 1000 reasons to smile Face your past without regret. Handle your present with confidence. Prepare for the future without fear.Keep the faith and drop the fear.
The most beautiful thing is to see a person smiling…
And even more beautiful is, knowing that you are the reason behind it!!!
Enjoy your day with a heart of gratitude.

Got a friend at work place?. How to handle

workplace

Most people spend their life at work. In fact with the growing working hours, increasing pressures and greater addiction to work, for some their job has become their life and their office has become their home. In such a scenario it’s difficult to maintain relationships out of the work place. Having a close friend at work can actually be a source of stress relief and joy for an employee. Here are some of the benefits of finding a close friend in your colleague at work:

(i) S/he is your comfort face: To see someone you can relate with is an added advantage of being at work. Just knowing that someone you connect with is also around you, can add to the comfort factor in times of stress and pressure.
(ii) You can confide in him: Sometimes you just need to share your heart with someone. And if that someone is a close friend who is your colleague, is a cherry on the pie. When you confide in your close friend, you know that you will be understood.
(iii) Have a coffee break with him: It’s always great to have coffee and lunch with a friend. You may not have the time to socialize with your friends, so eating together or having coffee with your close friend can assist in making up for the lost friendship.
(iv) Discuss career growth with him/her and expect support: If your colleague is a friend, then career guidance and support becomes natural. It’s easier and meaningful to discuss your future with someone who knows you and your work and has your best interest in mind.
(v) Will watch your back at work: The world has become competitive today and you truly need a close friend at work who can watch your back for you and warn and guide you in your best interests. So go ahead and find a good close friend at work, and you will find more fulfillment in time and life spent at work.

We can make close friends easier than dealing with rude colleagues. At some point in our careers, most of us are forced to work with colleagues, whose people skills are unpleasant, if not atrocious. The thought of having to regularly interact with such people, who are routinely negative, argumentative, stressed out, or just plain mean can make your job a terrible and trying experience.

Well, while you can not change them or control their behavior, you can control your own reactions to it. Because how you interact with rude colleagues can affect your career. Tactfully handling difficult personalities requires strong interpersonal skills and diplomacy, which can make you stand out for all the right reasons.

The rude colleagues are jerks and they need to be tackled by tact. First, try not to let their rude behavior affect your work. Though it’s natural to dwell on such situations, you should not get too stressed about them, especially if they don’t affect your routine work or your career path. Focus only on your work and save your energy for those in the office who deserves it.

If their rude behavior does affect your work, try to spend as little time as you can with the person. Choose to work on projects with other individuals, and keep a distance from your rude colleagues.

Stay calm. The workplace is not a place to become dramatic or over emotional. If the other person is rude or nasty, try to still respond with dignity and define limits regarding the specific behavior. If you react with an angry outburst, you will almost make the situation worse.

Be firm when you deal with a rude colleague. Being too nice or easy going might lead to getting walked over and having more rudeness directed at you. You can smile and be cordial, but do not be a doormat. Be tactful and teach them a lesson at appropriate opportunities without disturbing work place environment.

How I improved my Blog!. Small things made big differences.

I started blogging  and tweeting just in december 2009. ( though my twitter a/c was an inactive bot for almost a year). after my friend asked me to join in and start haveing some learning with him www.mtaram.com , I was confused, scary, inquisitive and whatnot. But my friend kept patience, gave me asnwers to most of my questions which I indeed took time to understand. Today, I love to tweet, to blog, and to manage wordpress data. I love to work on website content, layout, color combination and soo much more. During all this we changed the website look and feel. Am sure once you visit , I can look at your valuable comments:). We used some good techniques to make it worth and honestly it helped. I share all those things with my friends and readers:). I am sure it would help them as well .

1) Major Change : You can make a major change to it by adding a new design, or adding a forum to it or something  minor like changing a title of a blog post.

2) Add a “back to top” link to  footer:Blogs have a tendency to create huge scroll bars. Whether that scroll bar is long because you don’t use the more tag to cut down your posts, or you get a lot of blog comments – the fact of the matter is if you have a huge scroll bar and no easy way to get back to the top, it will annoy us as your readers.

So when a user gets to the bottom of the page and sees the link, when the click it – they go to the very top of the page. It’s very easy to create. Just use this code and add it to your footer somewhere:

<a href=”#header”>Back to top</a>

It’s just that easy. When that link gets clicked, it automatically shoots to the top of the page.

3) Adding ICONS: Every minor detail counts when it comes to designing for a blog. It’s the minor details that make some designs so excellent, and adding icons next to links on your blog can really make some parts of your blog stellar looking.

Copyblogger uses a nice mail icon on a slant to represent where you can sign up for email updates

3)Input Forms :Input forms are used all the time on blogs. To sign up for newsletters, to fill out a comment, and anything else that generally involves getting information from the user.Input forms without style are often very ugly and boring to use.

4) Creating thumbnails for posts : Thumbnails are good to attract people. It looks good and fun. People enjoy thumbnails more and more. It makes them more active than compared to Just text. So lets add some colors and make it match with our layput and design theme.

5)Numbered page navigation :Try putting a list of pages you can visit on the blog. All of those numbers link to a page full of articles on them.Using numbered page navigation gets a lot more posts available to readers, which increases pageviews and can really show off the age of your blog with the more number of pages you have. It is a much more effective method of navigation than the standard “previous” and “next”post links that is standard on many blogs today.

TOP Twitter ranking Sites: Whats your rank?.

twitterank-logo

Twitterank


Ranking  or percentile and the confidence is truely opposite. Lol . The percentile means that my account is “better” than a certain percent of of other Twitter users… but, not to worry, the algorithm has only very low confidence in the score.    Seems pointless to use it.

twitterholic-logo

Twitterholic


Even after clicking the “Crawl My Stats!” button, nothing is updated. They seem to base the rankings solely upon the number of followers you have, which can be a factor if you’re up there, or can really not make a difference if none of your followers are active – or, uh, human.

buzzom-logo

BuzzOm


Apparently my “Twitin” score on BuzzOm is amazing. Under the FAQ section, they describe the score as “a measure of your social activity in Twitter. These are calculated using simple behavioral model of the user. This has been tested among 2 lakhs users.” Huh? What is a “lakh user”? (This seems to be from an overuse of Google Translate, perhaps.) Thankfully it’s gone into more detail in the next question, and says it takes in consideration a user’s retweet, tweet efficiency, and influence scores.

tweefight-logo

Tweefight


Tweefight is actually kinda fun, and doesn’t give an official ’score’. Tweefight compares you to another Twitter user and you go head to head to “fight” it out.

tweefight-screenshot

What is it basing the fight results on? “Tweerank,” which claims to be made up of any factor you can think of (i.e. a user’s involvement, followers, updates, etc). Who cares? It’s still fun.

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TwitRank.me


Not much explanation, but considering they first display my amount of followers, how many folks I’m following, and how many total updates I have, these are likely the deciding factors. This gets me to thinking, what if a company, that knows nothing of social media, looks to hire an ‘expert’ and uses their Twitter account ranking as a deciding tool? Well, that means so many of these wannabe “social media experts” will be getting jobs, without knowing how to get the results for clients. Would that make them con artists, spammers, or just ignorant?

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Twitter Score


On Twitter Score, there are two different ranks/scores listed. No explanation provided for either number, but there is a nifty little graph of followers/friends available. Useful? Not without a shown method to how it calculates scores.

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Twinfluence


They calculate followers, plus second-degree followers, to come up with your ‘reach’. So apparently if  my ‘reach’ is to 100% of the Twitterverse, which means that if I Tweet something with great impact, that Tweet could potentially be seen by all Twitter users. They also somehow calculate the constant growth and the individual influence of your followers, so that apparently works into the score – though it doesn’t say which.

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FollowCost


Let me stop laughing first at a few of my friends that are “nuclear” to follow. Okay. It is seemingly useless, but so much fun. FollowCost lets you know how annoying it will be to follow any given Twitter user, based upon the average amount of Tweets they make per day.

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If they update too much, the screen shakes (well, the browser screen) with a graphic that says “Nuclear Follow Cost,” meaning don’t follow this person unless you’re obsessed with them.

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Retweetrank


Here we get to see the scores of our fellow Tweeple based upon how many mentions they’ve gotten from other Twitter users. This is the essence of the popularity contest.  Retweetrank shows how much you’re being retweeted and publicly messaged, plus what percentile you’re in amongst other Twitterers

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Twitter Grader ( One of the Best)

I use it personally . The ranking is based upon the total number of followers along with the ratio of your following. Also checks  how many have subscribed to your updates,  amount and pace of updates, and how engaged you are in tweeting.

Amazing feature is it can take you to elite function wherein , Twitter Grader ranks you based upon your location.

India Mortgage

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Mortgage Financing industry, which is primarily known as the housing finance industry in India was estimated approximately at US $ 18 billion.In case of India there is a stiff competition in the financial services mainly from the European Banks like ABN Amro, HSBC and Standard Chartered bank.Top U.S. financial services companies are active in the asset securitization market in India are Citibank, GE Countrywide, Morgan Stanley etc. but not all of them are engaged in the market right now.

A significant change in the structure of the mortgage industry is being marked in the recent years. Presently the banks are gaining market share in direct housing finance segment. From estimation it is found that the share of commercial banks in the direct housing finance segment has increased from 27% in FY 2000 to 57% in the FY 2003.

Though the housing finance industry in India is growing for the past few years still financing through the organized sector continues to account only for 25% of the total housing investment in India (Source: LIC Housing finance).

The top players in this industry are housing finance companies, commercial (local as well as foreign) banks, cooperative banks and other non-banking financial companies (NBFCs).

Presently the commercial banks are set to take the major portion in next years. Presently Housing Development Finance Corporation (HDFC) is the market leader followed by State Bank of India (SBI). The Industrial Credit and Investment Corporation of India (ICICI) Bank and the Life Insurance Corporation (LIC) Housing Finance Limited also have significant market share.

The industry sources has reported that, 8 to 10 percent of the market share that foreign-owned banks have in the industry, Citibank has 5 percent share, followed by Standard Chartered and HSBC with about the 3 to 5 percent.

Housing Finance Disbursement In India

Here the table gives us a clear picture on the trend in organized housing finance disbursements in India.

 

US $ BillionFY 03FY 02
Housing Finance Companies3.913.24
Banks Direct5.241.91
Banks Indirect1.511.26
Total Direct9.155.15
Growth Rate %77.627.5

 

Sources: All figures in the above table are calculated and Industry estimates.

Housing finance disbursements have increased at a compound annual growth rate of 45.6% in the recent years with FY 2003 reporting a phenomenal 78% growth. While the growth in fresh purchase of housing assets may be lower than the disbursement growth because of the increasing incidence of loan takeovers (by competitors), it still remains high.

In case of India there is a stiff competition in the financial services mainly from the European Banks like ABN Amro, HSBC and Standard Chartered bank.

Top U.S. financial services companies are active in the asset securitization market in India are Citibank, GE Countrywide, Morgan Stanley etc. but not all of them are engaged in the market right now.

 

Home Loan Disbursement In India The home loan disbursement by the banks and housing finance companies has increased from Rs.29359.29 Crores in 2001-02 to Rs.51672 .7 Crores in 2002-03.

Home Loan Disbursement (Rs.In Crores)

YearsHFC’sBanks
1999-009812.039911.35
2000-0112637.859787.24
2001-0214614.4414744.85
2002-0317832.17*33840.53

Sources: -National Housing Bank

The share of banks in total home loan disbursement has increased from 43.6% in the year 2000-01 to 65.5% in 2002-03.

Mortgage To GDP Ratio In India

The Mortgage to GDP Ratio (ratio of outstanding home loans to GDP) in India is very insignificant in comparison to the other countries. In the developed countries the ratio varies from 25% to 60%. For the year 2001,the mortgage to GDP ratio in India was at 2.5%.

IFC and India’s Housing Finance Market

The International Finance Corporation, the private sector arm of the World Bank Group, has provided financing package of $200 million to HDFC (Housing Development Finance Corporation).

The loans of IFC’s strategy are to assist the expansion of financial markets in India and, in particular, to promote access to housing finance by middle-and lower middle- income households. In the year to June 30, 2003, IFC committed to invest up to $388 million in projects in India. 

The mission of IFC is to promote sustainable private sector investment in developing countries, helping to reduce poverty and improve people’s lives.

IFC finances private sector investments in the developing world, mobilizes ital in the international financial markets, helps clients improve social and environmental sustainability, and provides  technical assistance and advice to governments and businesses. Credits:economywatch.com

 

Why do students fail in exams…?

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It’s not the fault of the student if he fails, because the year ONLY
has 365′ days.

Typical academic year for a student

1.  Sundays-52, Sundays in a year, you know Sundays are for rest.
Days left 313.
2.  Summer holidays-50 where weather is very hot and difficult to
study. Days left 263.
3. 8 hours daily sleep- 130 days GONE.. Days left 141.
4. 1 hour for daily playing- (good for health) means 15 days. Days left 126.
5. 2 hours daily for food & other delicacies (chewing properly &
swallowing)- means 30days. Days left 96.
6. 1 hour for talking (man is a social animal)-means 15 days Days left 81.
7. Exam days- per year at least 35 days. Days left 46.
8. Quarterly, Half yearly and festival (holidays)-40 days. Balance 6 days.
9. For sickness- at least 3 days. Remaining days=3.
10. Movies and functions- at least 2 days. 1 day left.
11. That 1 day is your birthday. How can you study on your B’day??????
Balance = 0 “How can a student pass?????”

 

Having Lunch with God

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A little boy wanted to meet God. He knew it was a long trip to where God lived, so he packed his suitcase with a bag of potato chips and a six-pack of root beer and started his journey.

 

When he had gone about three blocks, he met an old woman. She was sitting in the park, just staring at some pigeons. The boy sat down next to her and opened his suitcase. He was about to take a drink from his root beer when he noticed that the old lady looked hungry, so he offered her some chips. She gratefully accepted it and smiled at him.

 

Her smile was so pretty that the boy wanted to see it again, so he offered her a root beer. Again, she smiled at him. The boy was delighted! They sat there all afternoon eating and smiling, but they never said a word.

 

As twilight approached, the boy realized how tired he was and he got up to leave; but before he had gone more than a few steps, he turned around, ran back to the old woman, and gave her a hug. She gave him her biggest smile ever.

 

When the boy opened the door to his own house a short time later, his mother was surprised by the look of joy on his face. She asked him, “What did you do today that made you so happy?” He replied, “I had lunch with God.” But before his mother could respond, he added, “You know what? She’s got the most beautiful smile I’ve ever seen!”

 

Meanwhile, the old woman, also radiant with joy, returned to her home. Her son was stunned by the look of peace on her face and he asked, “Mother, what did you do today that made you so happy?” She replied! “I ate potato chips in the park with God.” However, before her son responded, she added, “You know, he’s much younger than I expected.”

 

Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around. People come into our lives for a reason, a season, or a lifetime! Embrace all equally!

 

Have lunch with God ……. bring chips.

 

THE MAYONNAISE JAR AND 2 CUPS OF COFFEE

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When things in your life seem almost too much to handle, when 24 hours in a day are not enough, remember the mayonnaise jar and the 2 cups of coffee…

A professor stood before his philosophy class and had some items in front of him. When the class began, wordlessly, he picked up a very large and empty mayonnaise jar and proceeded to fill it with golf balls. He then asked the students if the jar was full. They agreed that it was.

The professor then picked up a box of pebbles and poured them into the jar. He shook the jar
lightly. The pebbles rolled into the open areas between the golf balls. He then asked the students again if the jar was full. They agreed it was.

The professor next picked up a box of sand and poured it into the jar. Of course, the sand filled up everything else. He asked once more if the jar was full. The students responded with a unanimous yes.”

The professor then produced two cups of coffee from under the table and poured the entire contents into the jar, effectively filling the empty space between the sand. The students laughed.

“Now,” said the professor, as the laughter subsided, “I want you to recognize that this jar represents your life. The golf balls are the important things — your God, family, your children, your health, your friends, and your favorite passions — things that if everything else was lost and only they remained, your life would still be full.

The pebbles are the other things that matter like your job, your house, and your car. The sand is everything else — the small stuff.” “If you put the sand into the jar first,” he continued, “there is no room for the pebbles or the golf balls.” The same goes for life. If you spend all your time and energy on the small stuff, you will never have room for the things that are important to you.

Pay attention to the things that are critical to your happiness. Play with your children. Take time to get medical checkups. Take your partner out to dinner. Play another 18. There will always be time to clean the house and fix the disposal. Take care of the golf balls first — the things that
really matter. Set your priorities. The rest is just sand.”

One of the students raised her hand and inquired what the coffee represented. The professor smiled. “I’m glad you asked. It just goes to show you that no matter how full your life may seem, there’s always room for a couple of cups of coffee with a friend.”