Monday 22 April 2013

Top 25 FREE programs you should know about


The top 25 Free Programs

There are thousands of pieces of software on the Internet offered for free. Some of them very good and some of them very bad. Here is our toplist of 25 free bits of software you should know about from anti-virus programs to useful utility’s and browsers. Feel free to comment about your favorite bit of freeware and what makes it so good and dont forget to give us a link to it.

1.
 Avast
 – Download here
Avast is a free anti-virus program that is widely used by home users (estimated 180 million users in September 2012). Avast is available free for non-commercial use but other versions that are not free are available. In 2012 it made it into the top 10 of most downloaded programs on CNET.
2. AVG –  Download here
Avg free antivirus logo
AVG is a free anti-virus program used to detect and remove malicious items from a computer. AVG is a widely used anti-virus program with millions of downloads worldwide. It is available for non-commercial use but other version that are not free are available
3. Avira – Download here
Avira Anti virus logo
Avira is the 3rd anti-virus program in our list simply because anti-virus is so important nowadays. Again it is free for home (non-commercial use) and is widely used and recognised as one of the best anti-virus programs available.
4. Comodo - Download here
Comodo Logo
Comodo is a free firewall program for those who want more than the firewall that comes with the operating system. Easy to use with a clear user interface makes it great for those more security conscious or who are not happy with security suites and prefer their ant-virus and firewall separate.
5. MalwareBytes – Download here
Malwarebytes Logo
Malwarebytes is an effective malware removal tool with high detection rates and fast scans. It is worth noting that the free version does not have real time protection so it is something that has to be run manually.
6. SuperAntiSpyware – Download here
Superantispyware Logo
This is another effective tool in the fight against spy-ware. Includes quick, full and custom scanning. It is also light on resources. It is worth noting that the free version does not have real time protection so it is something that has to be run manually.
7. Open Office – Download here
Open Office Logo
Open office is an open source office software suite which includes the following tools: word processor, spread sheet, presentation, database and more. The program can also read and save as popular .doc extensions as well as many others. It is freely available and has no restrictions on use.
8. CCleaner – Download here
Ccleaner Logo
CCleaner is system utility for scrubbing your system. It helps to clean up junk, temporary files, history, broken shortcuts and a host of other problems quickly and effectively. It is freely available but has no support.
9. Defraggler – Download here
Defraggler Logo
Defraggler lets you defragment your hard drive in essence speeding up your PC by reorganising files into a system that makes them quicker to access. It is freely available but has no support.
10. 7-Zip – Download here
7-Zip Logo
7-zip is open source software and is a file archive tool
11. Skype – Download here
Skype Logo
Skype is a widely used program for communicating with friends and family from all over the world for free!
12. GnuCash – Download here
GnuCash Logo
GnuCash is personal and small business accounting software freely available and feature packed.
13. My Lockbox – Download here
My Lockbox Logo
My Lockbox allows you to hide, lock or password protect almost any folder on your computer.
14.LogMeIn – Download here
LogMeIn Logo
LogMeIn allows you to control a computer from another computer connected to the Internet. For example control your work PC from home.
15.Filezilla – Download here
Filezilla Logo
Filezilla is a fast and reliable FTP client that allows you to transfer files between websites and your computer.
16.TrueCrypt – Download here
TrueCrypt Logo
TrueCrypt is free open source software disk encryption software for securing your confidential files.
17.CutePDF – Download here
CutePDF Logo
CutePDF is free software that enables you to output to PDF documents via the print function.
18.Firefox – Download here
Firefox Logo
Firefox is a free and open source web browser. It is fast has a friendly user interface and is regularly updated.
19.Google Chrome – Download here
Chrome Logo
Google chrome is another freeware web browser.
20.Thunderbird – Download here
Thunderbird Logo
Thunderbird is an email client that can be used as an alternative the windows mail.
21.VLC media Player – Download here
VLC Logo
VLC media player is a free cross platform media player that can play most multimedia files and various streaming protocols.
22.ITunes – Download here
ITunes Logo
ITunes is a popular digital media player and store used for downloading, playing saving and organising music and video as well as audio books and pod casts.
23.Audacity – Download here
Audacity Logo
Audacity is a free and easy to use audio editor and recorder for multiple platforms. Among other things it enables you to record live audio, convert tapes and records, mix sounds and more.
24.Easeus Todo – Download here
Easeus Logo
Easeus Todo is a free to use backup utility. It also offers the ability to clone you hard drive for backup purposes or upgrades.
25.Dropbox – Download here
Dropbox Logo
Drop box is a free (2GB) backup service that allows you to backup you photos, documents, and videos and access them from anywhere. Note that the free version is 2GB see our data post if you are not sure how much 2GB is here.

POSB Interest_calculator new version included RD PMC & PMI Calculation Download from here...

Comparison between New Pension Scheme & Old Pension Scheme



New Pension Scheme
(Defined Contributory Pension Scheme)




PRELIMINARY STUDY REPORT





Presented by

K.V.RAMESH, SSE/ICF

JGS (Finance & Administration) /IRTSA




Pension - Greatly Valued
  • Pension is valuable in the sense that it is secure.
  • Supreme Court held that pension is a valuable right vested in a Govt. servant.
  • Refusal, reduction, forfeiture of pension not allowed unless on extreme conditions.
  • Pension is secured against attachment & seizure.




Defined Benefits Pension & GPF 

(prior to 1.1.2004)

  • Pension
     
  • Commutation of Pension
     
  • Retirement Gratuity
     
  • Death Gratuity
     
  • Service Gratuity
     
  • Leave Encashment
     
  • Family pension
     
  • Group Insurance


Types of Pension
(1) Superannuation
  • calculated as 50% of average emoluments of last 10 months salary drawn subject to the minimum of Rs.3500 and maximum of Rs.45000.
(2) Family Pension
  • At the rate of 30% of basic pay subject to the minimum of Rs.3500 and maximum of Rs.27000.
(3) Voluntary Retirement (VR )
  • Maximum of 5 years weightage in the Qualifying Service

COMMUTATION OF PENSION
  • Can commute a lumpsum payment not exceeding 40%.
  • Reduced pension in proportion to the % of commutation and age factor.
  • Commuted portion of pension shall be restored after the completion of 15 years.
  • Lumpsum amount received on commutation of pension is not liable for Income tax.
  • Dearness relief calculated to the original pension not on the reducedpension.


Gratuity
  • Retirement Gratuity: Admissible (along with pension) on retirement after completion of 5 years of qualifying service. 
  • Calculated @ 1/4th of a month’s Basic Pay + DA for each completed six monthly period of qualifying service. Maximum retirement gratuity payable is 16. times of emolument limited to Rs. 10 lakhs. 
  • Death Gratuity: Payable to the nominee in the event of employees death. 
  • Service Gratuity: entitled for service gratuity (and not pension) if total qualifying service is less than 10 years.

New Pension Scheme(Defined Contributory Pension Scheme)
Salient Features
  • Operational with effect from 1.1.2004.
  • Implemented by Central Government and 22 states. Existing provision of Defined Benefit Pension & GPF would not be available to new Govt. servants joining service on or after 1.1.2004.
  • Will have tiers – Tier-I & tier-II.

CONTRIBUTION TO TIER-I 
  • 10% of BP+DA contribution by the Govt. servant every month.
  • Equal matching contribution by the Government.
  • Kept in the non-withdrawable Pension Tier-I account.
  • Tier-II voluntary contribution will be kept in a separate withdrawable account.
  • The scheme is implemented by Central Record keeping Agency & Several Pension Fund mangers.
  • An independent Pension Fund Regulatory and Development Authority (PFRDA) will regulate the pension market. 
  • Permanent Retirement Account Number (PRAN) allotted after 1.4.2008. 
  • Govt. servant can exit at or after 60 years of age. 
  • 60% of pension wealth can be withdrawn lumpsum. 
  • 40% of pension wealth to be invested in annuity - mandatory – to provide pension for life time for self and dependent.

To leave the scheme before 60 years of age
  • 80% of pension wealth mandatory for investment. 
  • Benefit of Invalid pension, Disability pension, Family pension, Extraordinary Family pension are extended. 
  • Retirement Gratuity for discharge from duty due to Disease / Injury or invalidation also extended.
  
Six Pension Fund Managers
  • ICICI Prudential Pension Funds Management Company Limited
  • IDFC Pension Fund Management Company Limited
  • Kotak Mahindra Pension Fund Limited
  • Reliance Capital Pension Fund Limited
  • SBI Pension Funds Private Limited
  • UTI Retirement Solutions Limited
  
Comparison of Earnings of
Old Pension Scheme and NPS
CIRCUMSTANCES ASSUMED
  • Date of Appointment - 1.1.2006
  • Entry Grade - GP - 4200, PB-2, 9300 – 34800
  • VI CPC period - 1.1.2006 to 31.12.2015
  • VII CPC period - 1.1.2016 to 31.12.2025 (with the multiplication factor of 2.06 + 40% fixation)
  • VIII CPC period - 1.1.2026 to 31.12.2035 (with the multiplication factor of 2.06 + 40% fixation)
  • Dearness Allowance - Jan 2006 to Dec 2011 actual, From Jan 2012 to Dec 2015 assumed increase @ 6% every half year for the periods 1.1.2016 to 31.12.2025 & 1.1.2026 to 31.12.2035.
  • Promotion / MACPS - First promotion/ MACPS during Jan-2016 and second promotion / MACPS during Jan-2026

New_Pension_Scheme_in_Comparison_to_OPS_thumb%25255B1%25255D

New_Pension_Scheme_in_Comparison_to_OPS1_thumb%25255B5%25255D

Inflation proof for new Pension not available (Rs. in thousands)
New_Pension_Scheme_in_Comparison_to_OPS2_thumb%25255B1%25255D

New_Pension_Scheme_in_Comparison_to_OPS3_thumb%25255B1%25255D

New_Pension_Scheme_in_Comparison_to_OPS4_thumb%25255B1%25255D
Inflation proof for new Pension not available (Rs. in thousands)
New_Pension_Scheme_in_Comparison_to_OPS5_thumb%25255B1%25255D

New_Pension_Scheme_in_Comparison_to_OPS6_thumb%25255B1%25255D

New_Pension_Scheme_in_Comparison_to_OPS7_thumb%25255B1%25255D

New_Pension_Scheme_in_Comparison_to_OPS8_thumb%25255B1%25255D


THE

IMPLICATIONS

ARE 

QUITE DEEP


Right for dignified life stripped
  • In a single swoop the idea of pensions being rights of workers, has been thrown into the neo-liberal dustbin.
  • Fundamental issue of stripping of employees’ right to a life of dignity
  • The return under NPS is market driven.
  • There is no guaranteed/defined amount of return.
  • The returns generated through investments are accumulated and is not distributed as dividend or bonus

Why Armed Forces kept away
  • If the expected return under NPS is much higher than the return under existing old Pension Scheme, why does not the government allow the members of the Armed Forces to exercise this option? Armed force are the most valued functionaries of the nation. That the members of the Armed Forces are being kept under old pension scheme does indicate that there is something shady in the argument that NPS would earn better; at least the government itself is not convinced that NPS would give better benefits to its employees. One can never be sure that the returns from equities would always be better than the guaranteed returns.

Govt arguments not true
  • While introducing the NPS, the Government had argued in the same way as one would find in the IMF Report (2001).
  • Briefly speaking, the argument is that DBS is unsustainable because thepension expenditure is increasing at a very high rate.
  • Thus, over 1993-94 to 2004-05, the pension expenditure of the GOI has increased by 21 per cent; for the state governments, the rate of increase is still higher (27 per cent over the same period).

Is DBS unsustainable in India
  • What the Government did not mention is that the government’s pension expenses as a percentage of GDP is quite negligible in India (less than 0.1 per cent).
  • In South Korea or in Hongkong it is about 2 per cent.
  • In Italy, France and Germany where the coverage under DBS pension is wide, the pension expenses as percentage of GDP is much higher in these countries.
  • In Italy it is 14 per cent; in France and Germany the ratio is 12 per cent. In Japan 9 per cent of the GDP is spent on DBS pension.
  • One wonders how it becomes unsustainable in India where the expenses on DBS pension is so low.

NPS SHOULD GO
  • The argument that DBS would render all governments ‘bankrupt’ thus appears to be untenable.
  • Why should the small pensioners who usually do not have savings to tideover the crisis should be driven to uncertain situation?
  • Global capital does not have any moral obligation to honour the right of the citizen to live with dignity even in the retired life.

Thank you
M. SHANMUGAM, Central President,
# 4, Sixth Street, TVS Nagar,
Padi, Chennai- 600050.
Email- cpirtsa@yahoo.com
Mob: 09443140817
K.V.RAMESH, Zonal Secretary, IRTSA,
G3-LIKITH HOMES, 3-Lakshmanan Nagar west street,
Peravallur, Chennai-600082
Email: rameshirtsa@yahoo.co.in
(Mob:9003149578, 09444100842


Source: http://www.irtsa.net

Postal Assistant / Sorting Assistant exam 21st April 2013 ,Questions with Answer Key (Booklets series D)



         1. The present deputy chairman of Rajya Sabha is elected Member of Parliament from which state of India.
                      Kerala (P.J Kurien)

2      The constitution of India was adopted on 
26 November 1949
3     The present strength of rajya Sabha members is ___out of which ____are representatives of states and UT of delhi and pudhucherry and ___ are nominated by president.
245,233,12

   4   Which of the following glands produces insulin in  human body 
  Pancreas
        5 Which  of the following is food poisoning organism
(A) Clostridium botulinum (B) Streptomyces fecalis  
 (C) Lacto Bacillus (D) None of these


      6   Development of goiter (Enlarged thyroid gland ) is mainly due to deficiency of 
Iodine

       The emission of which causes global warming.
   carbon dioxide

      8  Who was adjudged player of the tournament by scoring most number of  runs in the tournament in women world cup cricket held recently.

Suzie Bates
       9  Who won the inaugural hockey India league ended in Ranchi recently?
    Ranchi Rhinos
      10     Wanchoo Committee  dealt with 
    Direct Taxes
     11  Kyoto Protocol is 
     An International agreement to reduce the green houses gases

         12 Kyoto Protocol is 
Answer: An International agreement to reduce the green houses gases

      13 India successfully completed its 101th space mission by lauching indo French satellite SARAL recently this satellite is for 
Oceanographic Study

       14  Government of India has recently granted “Maharatna” status to two more navratna Public  Sector  Enterprises which are the these new companies joining the club of maharatna Public  Sector  Undertaking   
      Bharat Heavy Electrical Ltd & Gas Authority of India Limited 

    15.   India newly built and tested missile “Astra” Meant for
Air to Air Strike


      16   The governor general who adopted a policy of Europeanization of bureaucracy and an exclusion of Indian from higher postsCornwallis 

    17.   During which movement bal Gangadhar tilak was given the epithet Lokmanya and Gandhiji give the slogan “Swaraj in a year” respectively
        Home Rule Movement and non cooperation movement

      18  Recently dargah muinudin chisti at Ajmer was in news due to visit of Pakistani prime minister dargah Muinuddin chisti at Ajmer was built by

Alauddin  Khilji

      19  Bauxite is an ore of 
Aluminium

     20    Which is one of the following is the land area I the extreme south of India.
Cape Comorin near Kanyakumari
     21.   The ozone layer lies in the 
   -------------------------------------------------------------------------------------

22.
   In union budget 2013-2014 “Voluntary Compliance encouragement scheme” was launched by government of India. This scheming is related to 
  Service tax

       23  Economic survey 2012-2013 states that nonperforming assets of increased from 2.36% to 3.57% in September 2012. The description of nonperforming assets was with reference to which sector.
 Banking sector


      24 This is the rate at which reserve bank of India borrows money from commercial banks
                 Reverse Repo rate

     25 As per election  commission of  India, how many recognized national political parties are there in India.
   6

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