Some change has happened in the syllabus for the isc 2010 12th exam for maths, compared to syllabus for last year. You can view the latest syllabus at cisce.org or in particular cisce.org/syllabus.jsp
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I recently read about how some commercial sex workers in Sonagachi in Calcutta, West Bengal , had set up a cooperative bank called Usha cooperative bank, with the help of an NGO called Durbar mahila samanwaya committee. The aim seems to be to reduce the influence of goons and moneylenders. It seems to be a success. There seems to be some idea of opening branches and going into some other business ventures.
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journey from trivandrum to leepuram near kanyakumari
Recently I went to visit someone in leepuram near kanyakumari. We started out around 11am from trivandrum. The roads were not that crowded at that time.After the overpass over the railway line at nagercoil, the road divides into two. When we go to thirunelveli, we usually take the one on the left and the other one if we want to go into the town. But for going to kanyakumari, I think it is better to take the road on the right, especially if you are not conversant in Tamil, as there are boards all along the way in english and tamil.
Anyway we took the road along the left, went someway and asked some autodriver about the way. He pointed us the along the road that went straight through the town, along the bus stand and some market street, both of which were very congested at that time, and there were some unmarked bumps near some school or something.
After that you go along NH47 towards kanyakumari. The view on both sides is nice with paddy fields, coconut trees and small water bodies. I also noticed some fields with tapioca.
After going along NH47 for around 20 km we asked for directions at a wayside shop and the person gave directions to a road along the left which led us to some place called kottaram and vattakotai (circular fort) .There were some potholes on this road. From there leepuram was around 3 kms away towards the right from the junction. (just before vattakotai some large scale construction on some highway or something seems to be going on)
For the return journey , after coming back to NH47, we just followed the boards on the traffic signals at the junctions. This time round we avoided coming through the inside of nagercoil. Just outside the town, there are roadside vendors selling tender coconuts and nongu sherbet (nongu is the fruit of panamaram a type of palm tree). Nongu is a lot cheaper and fresher than one can get in trivandrum.
But on the return journey the road was a lot more congested, especially near martandam, the kaliyakkavila border, pappanamcode etc. and it took more than 1 hour to cover the last 25km.
Anyway I think the best time for this route would be in the early morning before 7am (very sparse traffic but the buses might come at you on the wrong side of the road when they are overtaking etc) or around 11am (light to medium traffic).
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I used to prefer only bank recurring deposits and bank fixed deposits. But some years ago , when the stock market indices were close to their peak, I was drawn towards stocks. At that time mutual funds seemed to be a nice option. As I was using State Bank of India, I started off with SBI mutual fund, I made some investment in SBI Taxgain, SBI muticap, SBI global, SBI multiplier 93 all of which were dividend option. At that time the NAV made some nice gains of about 20 to 25 % in around 7 to 8 months on paper and I got some dividend (but nowhere near the gains on paper) from the funds except for SBI global. So in retrospect, I should have redeemed/sold the units (except for taxgain scheme which is locked for 3 years) at that time and pocketed the gains . But since I was new to the concept of mututal funds I did not do anything, then the market indices crashed, there was recession in the US etc and the NAV declined by around 40% from the level when I bought the units of the funds. After that some of the NAV's have recovered somewhat.
So I decided to learn how to invest directly in stocks instead of depending on others. I looked around at the brokerage options available. There was Hedge equities opposite LIC buildings at Pattom, Capstocks also near pattom and also at east fort, Sharekhan on the road from spencers to bakery junction , geojit bnp paribas opposite smv school etc.
After talking to the persons in the various offices and spending some time reading reviews on the internet, I decided to go to geojit. They asked for money in cash(not cheque) for the application form. I filled up the form/booklet and had to affix my signature at around 20 or more places in that booklet. So you should be prepared to spend at least one hour and read everything before signing up. You also might need to give an email id since they send the contract notes by email if you are using online trading
I went in for the online option. I initially had some problem with the login password , password for the encrypted pdf file which contained the login password etc ( they mention a particular version of adobe which did not work on windows 98 and the older version of adobe did not seem to handle the encryption properly, so I had to use another pdf reader ) . Anyway after that initial hiccup , there does not seem to be any problem.
I paid the initial investment amount by cheque (There is online transfer option from some banks). It took 2 or 3 days for the amount to be available in my account.
One thing to remember is that there seems to be a minimum transaction limit of Rs.1000/- and a minimum brokerage of around Rs.20/- per transaction.
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