LIC Housing Finance Limited Recruitment August 2010 | www.lichousing.com

LIC Housing Finance Limited Recruitment August 2010 | www.lichousing.com
LIC Housing Finance Limited (LICHFL) which is A Subsidery of LIC of Indiahad inviting online applications for different officers in India.

Online Applications are invited from Indian citizens for the post of Assistants in its various offices all over the country in LIC Housing Finance Limited.

Assistant : Age : 21-35 years and Qualification should be Graduate in any discipline with minimum 50% marks and Candidates should have knowledge of Computer Operations.

Selection procedure on the basis of by a written test will conducts on 19 Sept 2010.

Application Fee : A crossed bank DD of Rs. 300/- in favour of ‘LIC HOUSING FINANCE LTD’ payable at Mumbai.

How to Apply : Apply Online at LIC Housing website between 12/08/2010 to 26/08/2010.

OPENING DATE FOR  RECEIVING APPLICATIONS  is 12-08-2010
CLOSING DATE  FOR  RECEIVING  APPLICATIONS   is 26-08-2010
DATE OF WRITTEN EXAMINATION   19-09-2010

Click Here For More Details

Indians in Britain to double by 2051

The population of Indians in Britain is expected to nearly double from 1.4 million to 2.67 million by 2051 by which time the country's population would hover around the 78 million mark, according to a new study.

The study conducted by academics from the University of Leeds, says that ethnic minorities are set to make up a fifth of the population by 2051. Their share of the population will increase from eight percent in 2001 to around 20 percent.

The study also revealed that ethnic minorities will shift from deprived local authorities to more affluent areas, with ethnic groups to be 'significantly less segregated from the rest of the population'.

Project leader Philip Rees, a professor, said in a statement: 'The ethnic make-up of the UK's population is evolving significantly. Groups outside the white British majority are increasing in size and share, not just in the areas of initial migration, but throughout the country, and our projections suggest that this trend is set to continue through to 2051.'

The number of non-EU migrants given work permits, or permission to carry on working in Britain, rose by 20 percent, from 159,535 in 2007 - the year before points were introduced - to 190,640 last year, including dependents. The number of student approvals increased by a third, from 208,800 to 273,445 a year later.

The study found that that 'groups outside the white British majority' are increasing in size and share, not just in the areas of initial migration, but throughout the country, and our projections suggest that this trend is set to continue through to 2051.

It says: 'At a regional level, ethnic minorities will shift out of deprived inner-city areas to more affluent areas, which echoes the way white groups have migrated in the past. In particular black and Asian populations in the least deprived local authorities will increase significantly.'

Other key projections for 2051 include Britain's population reaching almost 78 million, from 59 million in 2001. The current population of 61,398,000 is an increase of three million since 1997.

Obama visit: India, US to begin talks on 'deliverables'

As the first substantive bilateral conversation on the 'deliverables' for President Barack Obama's visit to India begins here this week, liberalisation of high-technology exports to India is likely to figure at the top of the list.

US National Security Adviser James Jones is arriving in the Capital for two days of talks with the Indian establishment. His principal interlocutor here will be National Security Adviser Shivshankar Menon.

Menon and Jones, who have been meeting frequently on the sidelines of various international gatherings during the past few months, will explore the possible give and take during the Obama visit, which is expected to take place in early November.

Wrapping up the implementation of the historic India-US civil nuclear deal and dismantling the remaining vestiges of the technology denial regime against India are subjects that figure high on the agenda.

The two officials are also likely to firm up plans for structured cooperation between the National Security Council staff in Washington and Delhi.

During the first round of strategic dialogue in Washington last month, External Affairs Minister S M Krishna had made the case, in public and in private, for removing various Indian entities, such as the Bhabha Atomic Research Centre and the Indian Space Research Organisation, from the so-called American list of foreign entities slapped with technology sanctions.

Krishna also urged his American interlocutors to put India in a higher category of strategic partners that enjoy liberal access to advanced and dual use technologies in the US. The Obama Administration had agreed to consider the Indian requests seriously. It is now the turn of Menon and Jones to find practical ways to get this done.

Meanwhile, Delhi is said to be looking beyond the mere lifting of US national controls on high technology exports to India. It would like to be part of international bodies, like the Nuclear Suppliers Group, that draft the guidelines for the export of special technologies and materials.

Only a full membership of these multilateral groupings would complete the political reconciliation between India and the global non-proliferation order.

Indian membership of the Nuclear Suppliers' Group, the Missile Technology Control Regime, the Wassenaar Arrangement, which addresses the armaments trade, and the Australia Group, which deals with chemical weapons, would require mobilising the political consent of the current members.

Washington, on its part, would want the removal of the last barriers for the full implementation of the civil nuclear initiative, including the passage of a liability legislation that is in tune with international standards.

The Obama Administration has been signalling strong interest in winning a share of the rapidly expanding Indian defence market. Speaking in Washington earlier this month, US Under Secretary of Defence Michele Flournoy promised to offer "top of the line" defence technologies to India.

She also underlined the ongoing efforts in Washington to streamline and modernise US export controls that would allow the building of solid defence technology partnerships with countries like India.

Among the other actionable ideas under consideration for the Obama visit are expanding cooperation in maritime security, strengthening the partnership in outer space and initiating a new engagement in cyber-security.

Finance And Romance: A Perfect Marriage?

A recent study by Utah State University researchers found that the more a couple fights about money, the more likely they are to split. In fact, couples who disagree about finances once a week are more than 30% more likely to divorce than couples who disagree about money a few times each month.

Even couples who do not end up in divorce court cite their finances as a source of relationship strife. The latest American Express Spending & Saving Tracker survey found that 45% of respondents' money talks with their significant others wound up in arguments, and 72% of young professionals say they've bickered about finances.

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But the way you and your spouse save, spend, earn and invest can actually be points of bonding and affection if approached in the right way. "Money has never come off the list of the top five issues that cause divorce," says Sharon Gilchrest O'Neill, a psychotherapist and author of A Short Guide to a Happy Marriage. "If people would look at their household more like a business, they would see that money can bring them lots of good stuff and not just argument after argument. If you approach your finances as a team, you will definitely become much closer," she says.

Among the good things money can bring into a relationship are children, a home, a secure retirement and the ability to make charitable contributions. Here's a few ways managing your money as a team can lead to a stronger, more fulfilling relationship.

Establishing and accomplishing shared goals will bring you closer. Stacy Hefty and her husband David, both 33 and cofounders of Cornerstone Wealth Management in Auburn, Ind., make charitable giving the No. 2 priority in their financial planning--right behind taking care of their family. "It is important to Dave and me to show our children the importance of giving back to the community," Hefty says.

During each of the 11 years the couple has been married, they have given 10% of their gross income to nonprofits. At the beginning of the year they create a list of organizations they'd like to fund. Recently this has focused on food pantries and other poverty-related causes, including Boomerang Backpacks, which supplies low-income kids with healthy food for the weekend. "Seeing that you're making a difference underscores our shared values and just makes us happy. And when you're happy people, you're a happy couple," explains Hefty.

Understanding your partner's spending habits will also help you get to know one another better. Think that the eyes are a mirror to one's soul? Finances may be an even better bet. "Each of our saving and spending habits is a reflection of who we are, how we grew up and our general perception of life, says O'Neill.

"Money is what therapists call a 'family of origin' issue, and understanding where your partner's money attitudes come from means looking at how they grew up and how their parents treated money. If you can truly empathize, it will make the relationship stronger." For example, if your husband's tightwad ways are driving you crazy, you might come to peace with his re-using tea bags once you understand his fear of poverty stems from his spendthrift parents.

Delegating money tasks is another way to build trust and improve communication. While it is common for money to be a source of suspicion and resentment in relationships, it can also be a tool cementing the bonds of your relationship, says Mark Zaifman, a financial planner in Petaluma, Calif., who credits his wife's healthy money attitude to their successful 20-year marriage.

Often, Zaifman says, couples start out strong by delegating money management chores and promising to meet monthly to discuss budget and investments. Over time, however, most couples abandon the practice, and may later find themselves buried in debt and with few retirement reserves. Resentment and blame inevitably ensue.

To prevent this from happening Zaifman suggests eliminating assumptions about how the personal finance duties should be divvied up. "Sometimes the husband had been taking care of the investing for years until the wife has finally spoken up and said, 'I can do better!'" he says. "The husband doesn't realize that his wife was interested in investing or that she would be good at it."

Ultimately the goal is for each spouse to oversee a job, but both partners must agree on goals about saving, spending and returns on investments. If these numbers are not met, the couple needs to discuss why at regular money meetings. "You need someone looking over your shoulder," Zaifman says. "Money is emotionally charged and can bring a lot of anger. But it can be great at opening up a dialogue and improving communication."

Men Love These Men!

Some people are adored by both men and women alike. Gender plays no role when it comes to admiring these hunks. This time Hollywood heartthrob Brad Pitt has topped the ‘Men Who Men Love’ poll. Beckham made it to the second place while third place went to Bruce Willis. What makes these guys special?

Brad Pitt (No: 1)

Brad Pitt manages to get the best always, be it success or women. Gwyneth Paltrow, Jennifer Aniston, Angelina Jolie no wonder he is envied by our men. But once you shrug off that feeling of jealousy, there are many reasons to look up to him. He looks incredibly cool for a 46-year-old guy (thanks to botox), and of course him not tying the knot with Jolie is another reason that draws our commitment-phobic men to him. Aren’t these reasons enough to adore him?

David Beckham (No: 2)

Beckham is no shocker here! But why second place? The sexiest sportsman of the era has conquered the hearts of guys and gals alike with his charm and brilliance on the field. He wins the whole world with his smile and is equally appealing when pensive. The kick-ass attitude, funky hairdo, wild tattoos and that perfect framec- this pin-up guy is every man’s inspiration when it comes to looks and attitude.

George Clooney (No: 6)

Clooney is getting older, but who cares? Grey hair and crow’s feet become a surefire turn-on when it comes to Hollywood’s permabachelor! Sigh. The hunk’s league of pretty women is long and noticeably young. Wine and Clooney get better with age, I say. Definitely a role-model for our men.

Johnny Depp (No: 4)

Captain Jack Sparrow or John Dillinger, Johnny rocks whenever he dons the outlaw’s role. The kind of ones who says ‘I make my own rules’. Johnny makes you feel that breaking the rules is cool. Is he the savviest of the lot?

Barack Obama (No: 10)

President Barack Obama made it to the list by securing the 10th place. So it’s not just the looks that qualify here.  He is a self-made man who lived the dream of Martin Luther King with hard work and determination. A real fighter who wrote his own destiny is a role model for all. The tech-savvy Prez is inseparable from his Blackberry and once gifted Queen Elizabeth of England an iPod! Life is all about breaking conventions, and this makes Obama the thinking guy’s choice.

Mobile are very cheep

How cheap can a phone be? No, don't answer yet. Because even as you do, handset manufacturers are working on lowering the bar set by Vodafone's VF 150. Priced at Rs 799, the VF 150 is cheaper than the weekly grocery bill for most urban families. Of course, the phone does not have spectacular features, but you can talk and text easily with minimal compromise on quality. In addition, the phone flaunts a one-year warranty (though you could buy a new one without batting an eyelid), a torch, phonebook capacity of 200 numbers and SMS storage of 20 messages. The specifications may be too basic for a technophile, but the VF 150 is a perfect buy for those who want their devices fuss-free (think grandparents) or those who can't help forgetting their phones in restaurants, cabs, etc (think scatterbrain aunt). More value for less money.

MOBILE TV Below Rs 7,000

Forty live and 10 content-on-demand channels on the go. What more can a TV addict want? For it to be cheap as well. Samsung's Metro TV is the answer to both wishes. The phone puts you back by Rs 6,999, which is higher than the price of the usual low-end phone, but skip a couple of dinner outings for a month and you will be able to watch your favourite shows when stuck in a traffic jam. The CDMA phone uses the MimobiTV application to view and record programmes and works on both CDMA 1X and EVDO 3G networks. It has a 2-inch TFT display, Bluetooth, 2 MP camera, FM radio, an 8 GB microSD card slot and broadband capability of up to 2.4 mbps.

CALL RATES 30 p/min

After Tata's Docomo started the trend of one paisa per second tariffs, MTS India dropped rates to an incredibly low one paisa per two seconds. Since then, telecom providers have been bending backwards to woo customers with innovative tariff schemes. For instance, Reliance Communications has come up with a Talk All You Want CDMA plan for pre-paid customers, under which all local calls are free, subject to a cap of 30 minutes a day for calls to other networks. Vodafone is tapping into users' habits with plans like Night Talk Bonus recharge voucher, which bills local calls between 10 pm and 8 am at just 10 paisa a minute.

DUAL SIM Below Rs 2,000

A clandestine affair, frequent travelling or the need to separate professional and personal lives-there could be many reasons for wanting a dual SIM phone. The good news is that you can own one for just Rs 1,749. The M 3636 from Spice Mobiles switches between two GSM SIMs at the click of a button. Throw in a one-touch music player, FM radio, mobile tracker and a 2 GB expandable memory, and you have a winner at this price. Also, keep an eye out for Nokia's C2, the market leader's entry in the dual SIM phone segment. Its exchangeable SIM slot allows you to insert the second SIM card when the phone is switched on, giving it an edge over competition.

3G HANDSET Below Rs 5,000

Now that the government has raked in moolah from the 3G spectrum auctions, it's your turn to savour the benefits of higher speed and better voice quality. You won't have to scrimp to afford it as 3G-enabled handsets are available for less than Rs 5,000. Consider the Nokia 2730 Classic. Armed with Ovi Mail, Nokia Messaging and an Opera mini browser, it has everything you need to optimise the 3G experience. The 2-inch QVGA display is smaller than the high-end 3G phones, but it is a reasonable compromise at the given price. The features have been beefed up by a 2 MP camera, 4x digital video zoom and a memory of 30 MB that can be expanded to 2 GB.

SOCIAL NETWORKING Below Rs 6,000

As Tweeting for breakfast, buzzing at work and writing on FB walls after dinner become routine, mobile phones geared towards virtual connectivity are flooding the market. A great option is the recently launched Nokia C3 (about Rs 5,300). The phone boasts live Facebook and Twitter feeds on the home screen so that you can comment and update your status easily. You can use Google talk, Yahoo Messenger, Windows Messenger and Ovi Chat for instant messaging. An internal memory of 55 MB upgradable to 8 GB, a 2 MP camera and Nokia music player are a bonus for the networking buffs.

BROADBAND 4 MBPS at RS 899

On paper, a jump from 256 kbps to 4 mbps for download speeds seems huge, but for the broadband service providers, it obviously isn't. They have even managed to lower the cost of higher speed. Sample this: Airtel's latest scheme offers 4 mbps speed at just Rs 899 a month. The data transfer is limited to 6 GB, but for Rs 500 more, you can extend it to 25 GB at the same speed. If you belong to the rare breed, which does not log on to the Net regularly, Aircel has an innovative plan advertised as the 'pocket Internet'. For just Rs 5, you can surf the Net for two days, access Hotmail for free and download pages of 20 GB capacity. Staying connected was never cheaper.

Networking dominates our online time!

A recent study revealed that most of our online time is spent on social networking sites like Facebook and Twitter. Social networking is believed to take up almost 23 percent of the total time spent online.
Contrary to popular belief that checking and sending emails took up most of the online Nielsen showed that only 8.3 percent of the total time was spent on emails.
These figures are vastly different from last year which saw a more equitable distribution between emailing and social networking with just a difference of about four percent. This change could possibly be explained by the fact that social networking sites are the primary method of communication between friends these days, which makes sending an e-mail much less necessary, reported technologizer.com.
Within social networking sites also, there is tremendous difference. Facebook, for example, enjoys about 85 percent of this social networking time, followed by a distant second in MySpace with just 5 percent and Twitter a mere 1 percent.

Gaming is another one of the popular online activities catching on very fast. Interestingly this trend too, has a lot to do with social networking sites. Popular games like Farmville have gained momentum due to Facebook.

Bank of Baroda PO's exams results

View the Po's results 
Recruitment of -1200- Probationary Officers - Project 2010

Notification of Written Test Result

We refer to detailed advertisement dated 10.03.2010 in our Bank's website for Recruitment of -1200- Probationary Officers - Project 2010. Written Test for the same was conducted on 30.05.2010. On the basis of performance of the candidate in written test, candidates with the Roll Numbers as given in the link below are found provisionally eligible for interview.

Click here to view results

Important Note:

• Necessary intimation for Personal Interview is being sent to the above candidates by SMS, E-Mail & Post about Date, Time & Venue of interview. Candidates are advised to be in readiness for appearing at personal interview at short notice.
• Candidates failing to receive Interview Call Letter by post can download the same from the Bank's website, which shall be displayed shortly.
• Please keep checking your email and visit www.bankofbaroda.com at regular intervals.
• All care has been taken in compiling the list. However, Bank reserves the right to rectify any inadvertent error.
• No separate communication shall be sent to candidates whose Roll Numbers do not find a place in the above list.
• No correspondence in this regard shall be entertained.
• Decision of the Bank in all matters pertaining to selection process shall be final and binding.

GENERAL MANAGER (HR & Marketing)

Date: 30-07-2010