Friday, July 29, 2011

Universal Life Insurance

Universal life insurance offers many features of whole life insurance; but essentially allows greater flexibility once the policy is in force. Like whole life insurance, universal life insurance is a permanent policy. It protects the policyholder until death; however long that may be. Also like whole life insurance, universal life insurance accrues cash value over time. But unlike whole life insurance universal life insurance breaks the death benefit and cash value accumulation into separate components. This allows the policy holder to make changes in the policy. For example, if the policyholder wants to increase the death benefit, he/she puts more of the premium money into the insurance account and less into the cash value account or vice versa. The policyholder can decrease the death benefit and increase the cash value contribution. To reduce premiums, the policyholder can pay only the insurance portion. Once the cash value has accumulated, the policyholder can withdraw the money. The money must be paid back, or else the death benefit will be decreased. Some people use the universal life insurance policy as a savings account to draw on as they get older. Others use the accumulating cash value to increase the death benefit so they have more to leave their loved ones. Universal life allows these choices and decisions to be made throughout your lifetime.


Carbohydrates are the main source of energy for the body. 1 gram of carbohydrate provides 4kcals of energy.  A healthy balanced diet should include 50% to 60% of the calories consumed coming from carbohydrates. The minimum amount of carbohydrate required to prevent the starvation activation systems of fasting is 100 to 150 grams per day. Glucose is the primary fuel for the nervous system, the blood cells and the renal medulla. Requirements for each individual depend on age, sex, size, and activity level.
During digestion, carbohydrates are broken down into glucose, the fuel for our bodies. Glucose is burned in all body cells and is the primary source of energy for us to function.  If your body does not have any use for the glucose, it is converted into glycogen and stored it in the liver and muscles as an energy reserve. If people consume more carbohydrates than they need at the time, the body stores some of these carbohydrates within cells as glycogen and converts the rest to fat.
Carbohydrates are classified into two types simple and complex. Simple carbohydrates are digested by the body very quickly. Simple carbohydrates include Glucose, sucrose, fructose and lactose these provide the quickest energy supply to the body. Simple carbohydrates are found naturally in fruits milk and other dairy products. They are also often found in refined, processed foods. Foods that contain simple carbohydrates are sugar, corn syrup, white rice, white pasta, candy, cookies, cakes, soft drinks etc.
Complex carbohydrates are high fiber foods. Our body takes longer time to digest them, resulting in gradual steady stream of energy trough out the day. These are usually high in fiber and nutrient rich and provide many health benefits. Good sources of complex carbohydrates include, Starch - bread, cereal, potatoes, pasta, rice, dried peas and beans, Fiber - bran, whole-grain foods, raw vegetables, fruit,  nuts, seeds and popcorn.

Wednesday, July 27, 2011

Sony Ericson SPIRO

 Sony Ericsson Spiro

Expected Price: 4300 Rs.


2G Network, GSM 900 / 1800, GSM 850 / 1900
Dimensions: 92 x 48 x 16.8 mm
Weight: 90 g
Display Type: TFT, 256K colors
Display Size: 240 x 320 pixels, 2.2 inches
Sound Alert types: Vibration; MP3 ringtones
Loudspeaker: Yes
3.5mm jack: Yes
Phonebook: 2000 entries, Photocall
Call records: Yes
Internal Memory: 5 MB
Card slot: microSD, up to 16GB
GPRS: Class 10 (4+1/3+2 slots), 32 - 48 kbps
EDGE: Class 10, 236.8 kbps
3G: No
Bluetooth: Yes, v2.1 with A2DP
Infrared port: No
USB: Yes, microUSB v2.0
Camera: 2 MP, 1600x1200 pixels
Video: Yes
Secondary Camera: No
Messaging: SMS, MMS, Email, Push Email, IM
Browser: WAP 2.0/xHTML, HTML
Radio: Stereo FM radio with RDS
Games: Yes + downloadable
Colors: Contrast Black, Sunset Pink, Spring Green, Stealth Black
Java: Yes, MIDP 2.0
Other Applications: Walkman 4.0 player, MP3/eAAC+/WAV player, Track ID, MP4/H.263/H.264 player, Facebook, Twitter applications, Organizer, Flashlight, Predictive text input
Battery: Standard battery, Li-Ion
Stand-by: Up to 476 h
Talk time: Up to 4 h 30 min
Music play: Up to 20 h


Tuesday, July 26, 2011

Sonam Kapoor ..... 1

Sonam Kapoor is an Indian film actress who appears in Bollywood films. Sonam was born on 9th June 1985. Sonam is the daughter of Anil Kapoor and Sunita Kapoor. Sonam is granddaughter of filmmaker Surinder Kapoor. She is the niece of producer Boney Kapoor, actress Sridevi, actor Sanjay Kapoor and producer Sandeep Marwah. Sonam is the eldest of three children; the others are sister Rhea Kapoor and brother Harshvardhan. Sonam went to school in Mumbai at the Arya Vidya Mandir School in Juhu. Sonam then enrolled in the United World College of South East Asia to do her International Baccalaureate.

Sonam speaks English, Hindi and Punjabi. Sonam is a trained dancer. Before starting her career off as an actress, Sonam worked as an assistant under Sanjay Leela Bhansali in 2004, and assisted him during the making of his film, Black. Sonam Kapoor made her acting debut alongside newcomer, Ranbir Kapoor in Bhansali's Saawariya (2007). n 2009, Sonam appeared in Rakeysh Omprakash Mehra's Delhi-6, opposite Abhishek Bachchan. In 2010, she appeared in Punit Malhotra's I Hate Luv Storys opposite Imran Khan. Sonam also appeared in the romantic comedy, Aisha, opposite Abhay Deol. In 2011, Sonam Kapoor is scheduled to appear in ‘Players’ opposite Abhishek Bachchan.

Sonam is a trained classical Indian and Latino dancer. Her Favorite Hollywood Movie is Titanic. Her Favorite Actor is Anil Kapoor. Her Favorite Actress is Rani Mukherjee. Her Hobbies are Reading, shopping, writing, playing squash and basketball, video games and painting.

Wednesday, July 20, 2011

Books by Ga. Di. Madgulkar

Books by Ga. Di. Madgulkar
·       gaIta ramaayaNa
·       paUrIyaa
·       vaOSaaKaI
·       qaaorlaI paataI
·       saaonao AaiNa maataI
·       kR YNaacaI k rMgaLI
·       baaMQaavarcyaa baaBaLI
·       lapalaolaa AaoGa
·       caMdnaI {dbattaI
·       iBaMtaIlaa kana Asataata
·       pa`taapagaD
·       gaMgaota GaaoDM nhalaM
·       taulasaIramaayaNa
·       gaidmaa saaihtya navanaIta
·       caO~abana
·       taIL AaiNa taaMdUL
·       Baataacao fUla
·       vaoga
·       baaolak a SaMKa
·       gaIta saaOBad`
·       k avyak qaa
·       {Bao Qaagao AaDvao Qaagao
·       vaaTovarlyaa saavalyaa
·       jaaoigayaa
·       maMtarlaolaI idvasa
·       gaIta gaaopaala
·       taupaacaa naMdadIpa
·       Aak aSaacaI fLo
·       saugaMQaI vaINaa
·       SaaSaMk  maMijarI
·       caar saMgaItaIk a
·       taIna ica~ak qaa

Tuesday, July 19, 2011

Book Review: Romarajya - 2

BOOK REVIEW “Romarajya – 2 Naples to Venice”

Author: Meena Prabhu
Genre: Travelogue
Language: Marathi
Pages: 327
Cost: 300 Rs.
Publisher: Mauj Prakashan Gruh
First Published: 2nd May 2009

This is second part of Meena Prabhu’s exploration of Italy, the ancient kingdom of the Romans. The kingdom of Romans was so vast; it couldn’t be covered in one book, so the author divided it into two books. The first part covered the area from Amsterdam to Rome itself, the heart of Roman Empire. And the second part of the book covered remaining Roman Empire which is now in Italy and spreads from Naples to Venice. As I already mentioned in earlier reviews of Meena Prabhu’s books, I like her books as she explore the nation not only as normal travelers by visiting only wonderful traveling sites. She also gives importance to the History of the place, culture of the place. She mingles with the local people and brings out the real soul of that part of the world. I always get the feeling of traveling with her while reading.
I will highly recommend this book to everyone. This is a book for anyone who is intended to visit the land of Romans, or anyone who could never be able to afford to visit these places. I can assure you everyone will get satisfaction.

If I have to rate this book, I will give it 9 out of 10.

Monday, July 18, 2011

Whole Life Insurance

Whole life insurance covers the policyholder for his or her whole life. There is no fixed end date for the policy, as there is with term life insurance. When the policy holder dies, the face value of the policy which is also known as a death benefit is paid to the person or persons named in the life insurance policy i.e. the beneficiary or beneficiaries. The cost of a whole life insurance policy is spread out across many years and so the premium remains the same. This ensures that older people on a fixed income will not have to cope with rising premiums.
Unlike term life insurance, whole life insurance accrues cash value over time. If you cancel the policy after a certain amount of time has passed, the insurance company will surrender the cash value to you. The cash value is scheduled to equal the face value when the policyholder reaches the age of 100. If you live that long, the insurance company will likely pay the face value to you in a lump sum. This is not the only way to use the cash value, however. You can also borrow some of the cash value as a loan. The money has to be paid back, but there is no approval process and no risk of being turned down. You are your own lender. Some whole life insurance pays dividends, so it can be used to supplement your retirement income.


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