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	<title>Titimma &#187; Discussions</title>
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		<title>Your Thoughts Has A Good Relation To Your Health</title>
		<link>http://www.titimma.com/thoughts-good-relation-health/</link>
		<comments>http://www.titimma.com/thoughts-good-relation-health/#comments</comments>
		<pubDate>Sat, 05 Jun 2010 22:50:36 +0000</pubDate>
		<dc:creator>pawanyadav</dc:creator>
				<category><![CDATA[Discussions]]></category>
		<category><![CDATA[Health And Fitness]]></category>
		<category><![CDATA[Titimma]]></category>
		<category><![CDATA[Spirituality]]></category>

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If it happened before yet you are thinking about it, It is happening Now!
Your thoughts have a lot to do with nutrition and your attitude to what you eat. You can see how your thoughtscan influence you with regard to nutrition, taste and health concerns.
Like repeating thoughts, whether consciously or not can make you believe them to be factual, whether true or [...]


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<strong><em>If it happened before yet you are thinking about it, It is happening Now!</em></strong></p>
<p>Your thoughts have a lot to do with nutrition and your attitude to what you eat. You can see how your thoughtscan influence you with regard to nutrition, taste and health concerns.</p>
<p>Like repeating thoughts, whether consciously or not can make you believe them to be factual, whether true or false. If your mother told you that it’s unhealthy to drink water with your meal, that notion may remain with you to the rest of your life. I had also a such type of notion from my mom in childhood that never ever comment on your food whatever you are eating, having food is itself a God&#8217;s greatest bliss. So whenever I don&#8217;t like any dish, I just keep quite.</p>
<p>Whether true or false, the ‘wisdom’ of your teachers must constantly be challenged as new nutritional discoveries are made.</p>
<p><em>I thinks our thoughts also have some taste and they compare it to some taste which our mind  have already sensed.</em></p>
<p>How do you react when you hear a bad report on the news? The media may ‘warn’ that “everyone who does not get the ‘flu shot will be seriously ill and chances are blah, blah, blah,” Those are all spoken words!</p>
<p>You can choose not to entertain all the negative news coming your way! Instead, make a conscious choice to replace it with positive thoughts and words. You can direct your destiny with how you think and what you say!</p>
<p>The more open your mind is to trying new things that you know are good for your health, the more your attitude will change and your taste buds will follow!</p>
<p>Something about Dutches are said that whatever food a farmer is not familiar with, he does not like. In other words, if he’s never tried it, he has already condemned it in his mind by assuming he won’t like it and therefore won’t even try it!</p>
<p><em>Enjoy God’s ample variety of deliciously nutritious provision to keep your body functioning at optimum health!</em>
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		<title>IPL &#8211; A New Corruption Formula</title>
		<link>http://www.titimma.com/ipl-corruption-formula/</link>
		<comments>http://www.titimma.com/ipl-corruption-formula/#comments</comments>
		<pubDate>Thu, 15 Apr 2010 05:54:36 +0000</pubDate>
		<dc:creator>Code Name 4364</dc:creator>
				<category><![CDATA[Discussions]]></category>
		<category><![CDATA[India]]></category>
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		<category><![CDATA[Lalit Modi]]></category>

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		<description><![CDATA[Cricket is a gentleman&#8217;s game, the lights of Garfield Sobers, Gavaskar,  Clive Llyod,  Sir Don Bradman, Sachin , Brain Charles Lara clearly make this adage true. For India Cricket is more than just a game, I will call a religion that has no caste associated with it. Folks around the globe, follow the game with [...]


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			<content:encoded><![CDATA[<p></p><p>Cricket is a gentleman&#8217;s game, the lights of Garfield Sobers, Gavaskar,  Clive Llyod,  Sir Don Bradman, Sachin , Brain Charles Lara clearly make this adage true. For India Cricket is more than just a game, I will call a religion that has no caste associated with it. Folks around the globe, follow the game with same passion. Well there have been controversies for this game, giving it a black star, nevertheless still cricket is in hearts of million of people.</p>
<p>The spirit of any game is put down when we try to destroy its integrity. Stars like Cronje, Azzarudin will always be remembered for what they did. Still the spec of corruption is present in the game, and for the matter of fact it will remain, when there is a huge following there are chances people to do some acts that are not accepted.</p>
<p>A new turnaround took place when India launched IPL- t20 for the first time, a new dimension to the sports was added, giving the chance to domestic players and international player to play at the same platform. The plan was perfect as the domestic players will grow in confidence and improve the standard of game. Skills apart, the concept will generate revenue, many domestic player who end up playing Ranji and walking away bare handed will now have lofty bank balance.</p>
<p>Corruption has its own strange ways to peep in to the system, speculation were made for the bidding of teams, that some under table transaction are going, but no proofs, until the kochi owner rendezvous sports declared what stunned the whole cricket community.</p>
<p>The owner were bullied by the minister to walk away from the bidding podium with a bribe of $50 million. Clearly if the IPL- committee can offer this huge chunk of money, we can expect what it would be getting in return.</p>
<p>Well I know this is just a news that will route every television, ear, news paper for a day, a week or may be a month, we Indians have very poor memory and soon we will be watching the IPL matches with a mug of beer of pop-corn in our hand. What is sad that level of corruption has creep-ed  in so depth that nothing can escape from it, even the game like cricket, which is the next religion for the country.
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		<title>Love Across the Salt Desert</title>
		<link>http://www.titimma.com/love-salt-desert/</link>
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		<pubDate>Wed, 14 Apr 2010 05:26:27 +0000</pubDate>
		<dc:creator>Code Name 4364</dc:creator>
				<category><![CDATA[Discussions]]></category>
		<category><![CDATA[love matter]]></category>
		<category><![CDATA[Sania]]></category>
		<category><![CDATA[Shoaib Malik]]></category>

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		<description><![CDATA[Long time ago when I was a student I read a story LOVE ACROSS THE SALT DESERT, the story was a perfect example that whatever be the cultural difference among us, love has no boundaries. A love story of a boy and girl who belong to different country. Religion, caste, ethics become just words when [...]


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			<content:encoded><![CDATA[<p></p><p>Long time ago when I was a student I read a story LOVE ACROSS THE SALT DESERT, the story was a perfect example that whatever be the cultural difference among us, love has no boundaries. A love story of a boy and girl who belong to different country. Religion, caste, ethics become just words when the air is blissed by love. Memory loss has wizened my mind so I don&#8217;t remember what was the climax.</p>
<p>Then I saw a movie Heena, again a story on a similar line where the climax was not happy, the boy from India and the Girl from Pakistan, similar to that bollywood again made another movie staring Abhishek  and Karena. Sorry cannot remember the name. Well if you think that all this anecdote is just on papers, I would say its now you have a memory loss.</p>
<p>Pakistan Cricket maestro Shoiab Malik and Sania Mirza the Tennis icon for India made this story a success. Well their relation seems to be in a little controversy as of now, but they have taken a pioneering step and set an example that still India and Pakistan have some feeling of love for each other.</p>
<p>The facebook has a special page for greeting Sania Mirza as &#8220;Welcome Bhabhi &#8220;, clearly the immortal apathy among the two country men seems to be coming to an end. The only question I have will this marriage bring any harmony among the countries ? Or their story will be another LOVE ACROSS THE SALT DESERT.</p>
<p>The present India Pakistan relation is self explanatory, the relation in recent decades have not been so good,Future is difficult to judge, what I can do, is to wish that they remain happy and may be thier step could bring sweet thoughts for both the country.
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		<title>Indian Hockey &#8211; A Rise</title>
		<link>http://www.titimma.com/indian-hockey-rise/</link>
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		<pubDate>Sat, 13 Mar 2010 06:28:47 +0000</pubDate>
		<dc:creator>Code Name 4364</dc:creator>
				<category><![CDATA[Discussions]]></category>
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		<category><![CDATA[Dhyanchand]]></category>
		<category><![CDATA[Hockey worl cup 2010]]></category>
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		<description><![CDATA[when I say Dyhanchand, the pictures that comes in my mind is of a legendary Hockey player, who could defeat an army of hundred with the swing of his stick. A game that is a pride for our nation India. All these years we have been looking on this game as a game for loosers [...]


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			<content:encoded><![CDATA[<p></p><p>when I say Dyhanchand, the pictures that comes in my mind is of a legendary Hockey player, who could defeat an army of hundred with the swing of his stick. A game that is a pride for our nation India. All these years we have been looking on this game as a game for loosers as India is not able to make a mark on the world. Plethora reasons are there, good coach, lack of fund etc. etc. But what when Dhyanchand was playing, India was not rich as it is now. The problem is not with any of the resons mentioned above. The problem is in the attitude of the country men.</p>
<p>Since every thing is bussiness today, every one is making a wise move to gain on his/her investment, and this being the case Indian Hockey is suffering a serious set back when it comes to sponsership. The on going IPL has no PSU sponsership where the Hockey world cup had just  SAIL as a major sponser. The IPL every year watches huge sum of mone being transfered from one part of the country to another. Atleast the Indian government can channelize a part of this money to promote Hockey, afterall there is something called tax in India. The irony is for promoting Hockey Indian cricket star Shewag came, the sad part is he did&#8217;nt show up for a single match, this tells how proffessional these players are. The stats shows that in cricket India won the worlcup once and so in hockey, there is no reason to say that country has performed well in crikcet in terms of world cup, infact 2009 world cup India failed ot reach the super six also.The only reason cricket is so popular is, because the game format is different, Hockey tournaments are not as frequent. The domestic hockey league started was considered to be a good sign for promoting the game.</p>
<p>What came good out of this year&#8217;s Hockey world cup was the interest Indian crowd showed for the game. Although India eventually thrown of the race but still I was happy to see that stadium count was healthy even the supporters knew India had no chance. May be this a change India is showing, but if we keep this fire alive I feel no reason that one day Hockey will regain its pinnacle where it was once. After all in a country of millions if we can produce Sachin, there is good chance we can find once again Dhyanchand.
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		<title>Secure Sciences ?</title>
		<link>http://www.titimma.com/secure-sciences/</link>
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		<pubDate>Sun, 29 Nov 2009 06:26:49 +0000</pubDate>
		<dc:creator>Code Name 4364</dc:creator>
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		<description><![CDATA[&#8220;In a world where powers are determined by the share of the world&#8217;s knowledge, reflected by patents, paper and so on&#8230; it is important for India to put all her acts together to become a continuous innovator and creator of science and technology intensive product&#8221;. This what technology icon of India Mr. A.P.J. Abdul Kalam [...]


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			<content:encoded><![CDATA[<p></p><p>&#8220;In a world where powers are determined by the share of the world&#8217;s knowledge, reflected by patents, paper and so on&#8230; it is important for India to put all her acts together to become a continuous innovator and creator of science and technology intensive product&#8221;. This what technology icon of India Mr. A.P.J. Abdul Kalam said in his one of his conference, the message is clear, in coming era country with high end technological powers is going to cash her resources and would be the front runner. What Mr. Kalam said is India needs more of talented folks who can deliver excellent research work not only in science and technology but also in every sphere of our lives, be it social science, politics. India desperately requires a strong R&amp;D platform where she could create a launching pad for the new technologies.<br />
All this is blue print, by looking at this India could think of becomming a new super power in times to come or atleast be at power with many advance countries. This is where India lacks the most, the ability to transform words into action. Without a sheer effort of converting these ideas into action these thoughts would remain as a blue print. It&#8217;s not that India is a lazy jack, primarily it&#8217;s because we dont have proper resources and funding for this to happen, and with our traditional pedagogic ways of teaching this seems to be an impossible job.<br />
Before I begin my thought process, once I was going to a song of Pink FLoyd, one line that made a lasting impression in my mind was &#8220;after all we are just another brick in the wall&#8221;, seems strange! that what a rock star has to do with this piece of blog. But this is how co-relate thing in life. With the present education system it is evident that dream of Mr.Kalam would remain a dream. For Mr.Kalam&#8217;s vision to take birth, our young folks should have an open panorma, where thought flourish not any mathematical formula or physics laws. This where we start a weak foundation. India fails at the very first step of becoming a tech guru. Education is a key to remove all the orthodox and baseless rituals we follow, but the task becomes tough when its own rituals are so oppressive and ossified.</p>
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	<p class="wp-caption-text">Book Worm</p>
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<p>Schools are similar to a theater where the actors like Principal, teachers are mere a script reader, like a theater actor is required to speak what&#8217;s written in the script so as our teachers and pricnipal. They have an hard coded program by which they execute their daily task. What I mean is that, the prime concern is to get the overall marks count for the school to get high. Teachers are least bothered about the thought process of the students, what matters to them is they follow the school policy and deliver good scores. At a some stage students too feel that only way to excel is to become book worm, loosing their creativity. A mid set up of getting an admission to a good college they need to have a healthy count of marks, they tend forget the real goal of this education, for which Mr.Kalam was talking about. After all it&#8217;s the Indian education system requirement that molds the student in this way.Teacher give a limited chunk of time to a specific topic, for them it is immaterial wether the student understood the concept. If they understood its good, if not its excellent. Keeping this in mind now the board exams have been made optional. The idea is again good, that now since student don&#8217;t have any phobia of exams they can concentrate on the fundamentals rather than cramming the formula, teacher also could spend more time on each topic. The policy makers did their part of act, it&#8217;s now up to the school actors to execute the script.</p>
<div id="attachment_980" class="wp-caption alignright" style="width: 150px">
	<img class="size-thumbnail wp-image-980" title="Dying Innovation" src="http://www.titimma.com/wp-content/uploads/2009/11/Innovations-150x150.jpg" alt="Dying Innovation" width="150" height="150" />
	<p class="wp-caption-text">Dying Innovation</p>
</div>
<p>Coming to the next stage of Studentship, i.e graduation or postgraduation. In a report it is said that India would be at same technology level like any other developed country and by the end of 2015 or 2020 she would overtale them all. Many would appreciate such kind of speculation, but on real ground this is herculious task. I don&#8217;t say that what is being said is incorrect but the facts sings a different melody. Nearly 4,00,000 software geeks turn up every year out of that 3,00,000 are software buddies, major chunk of this goes for job, neglecting the research studies, nearly 20,000 goes for Post graduate and 1000 pursue Phd&#8217;s. The problem is mass pool of talented techie filter out at the level of graduation. The reason is also acceptable, India spends about $27 million on R&amp;D where as US spends $368 and China nearly $104. With such small amount the graduate don&#8217;t show interest in pursuing postgraduate studies. A survey brings a more clear picture, there is about 156 research population per million, where as the count for US is 4,700 research scholors population per million.<br />
what we dream of, today is just a dream and will remain dream till we take some rigrous steps. To get a cut throat edge in technology we need to have a collective efforts of school artist and college scripts writer. Its high time for us to stop adding bricks to the wall rather we need to start pile up the stones to build our wall a little stronger and larger.
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		<title>Thank You For Smoking</title>
		<link>http://www.titimma.com/smoking/</link>
		<comments>http://www.titimma.com/smoking/#comments</comments>
		<pubDate>Sat, 21 Nov 2009 07:21:46 +0000</pubDate>
		<dc:creator>Code Name 4364</dc:creator>
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		<description><![CDATA[A stress ful day at office yesterday, so thought of taking my regular SUTTA BREAK ( Smoking Break), with each puff of the smoke a sign of tension free ambience was waving through my body, a complementary tea with a smoke is like heaven and some time is a good stress buster. That very moment [...]


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			<content:encoded><![CDATA[<p></p><p>A stress ful day at office yesterday, so thought of taking my regular <strong>SUTTA BREAK </strong>( Smoking Break), with each puff of the smoke a sign of tension free ambience was waving through my body, a complementary tea with a smoke is like heaven and some time is a good stress buster. That very moment I just  thought of one thing, the biggest invention in humanity is  <strong>SUTTA </strong>( CIGARETTE ). All the geeks work round the clock to bring something new to our life so that we can make our life more happy, easy and comfortable. Almost all the IT professionals work day &amp; night to develop software that helps our business, be it ATM machine code, or be an On-line banking, without the puff of smoke how many of these geeks would have constantly worked so long . For me the biggest invention which led to other inventions is, what every one hates  <strong>THE CIGARETTE</strong>.<span id="more-952"></span></p>
<p>With this piece of scrap I am not supporting the consumption of smoke, rather I want to justify a thought <strong>&#8221; Excess of any thing is dangerous&#8221; </strong>. Smoking kills , that&#8217;s true we take colloquial volume of smoke in our lungs that is not good for health, for the critics excess of sugar causes Diabetes, so we should stop its consumption also. A diabetic patient is much more difficult to handle compared to the one who has some <strong>bronchitis</strong> problem. Patient with sugar level of <strong>insulin</strong> have to think before they eat anything and if that&#8217;s sweet be it an Ice cream, god may help them if they miss out their <strong>insulin</strong> shot by a fraction of second. Sugar patient in hospitals cannot be given glucose drips without proper observation. On the contrary a bronchitis patient has no such issues with him, at the end of the day both are victims of health hazards so why to curse smoke and not sugar.</p>
<p style="text-align: left;">Many people enjoy the deep fry cuisines, road side street hawkers selling the fried stuff, that too in some cheap oil, people enjoy them without fear of catching up the cholesterol problem, for smokers there are smoke that have good filters that pull out maximum <strong>tar</strong> content. Still we say smoking is injurious to health. Another major source of caffeine to our body apart from smoke is tea, coffee. Some addict drink near around 10- 12 cups of tea or coffee, then also taking same amount of caffeine that comes from 4-5 smoke.</p>
<p style="text-align: left;">Now coming to the advantages of  smoking, I guess they  are countless. First the <strong>corporate advantage</strong>, during my training I was told in one of the sessions that to make a quick and healthy contacts you need to visit these SUTTA BREAKOUT areas, see majority of the girls miss out this opportunity.</p>
<p style="text-align: left;">With these SUTTA break you can make friends easily, this is tried and tested funda that I have seen and applied also and the most valuable part of smoking is, when you are free and getting bored you can easily kill around 15 -30 mins with one smoke and feel free.</p>
<p style="text-align: left;">I don&#8217;t say that smoking is good but for many reasons its not bad. its just like every coin has two faces, many focous on the evil side, I prefer the flip side. I throw this discussion on to you to decide is smoking is so bad, but before arriving to any conclusion just keep in mind &#8220;<strong>ELEMENT OF EVERY THING IS GOOD IN LIFE&#8221;.</strong></p>
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		<title>WHEN PROTECTOR BECOMES PREDATOR</title>
		<link>http://www.titimma.com/prptector-predator/</link>
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		<pubDate>Wed, 11 Nov 2009 08:22:58 +0000</pubDate>
		<dc:creator>Code Name 4364</dc:creator>
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		<description><![CDATA[It takes hell lot of pane, when some one you love is pricked by a doctor or even a nurse. My family serving the cause of such people now for over a quarter of a century and I know what status a doctor enjoys. In India a doctor is the most respected person, may be [...]


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			<content:encoded><![CDATA[<p></p><p>It takes hell lot of pane, when some one you love is pricked by a doctor or even a nurse. My family serving the cause of such people now for over a quarter of a century and I know what status a doctor enjoys. In India a doctor is the most respected person, may be next to god and some time at power with god. With the magic of medicine he can give a new hope to any one. Can wipe the tear of a crying mother, can lighten hope of life in a dead heart. Yes that&#8217;s why we call medical service is the best hospitality doctors can offer.</p>
<p>The gloomy part of the story is that there are some, who are predators in form of protectors. I dont say that some have turned cannibal, rather worse than that. With medical sciences touching new heights, so the cost of enjoying them and with hbig hospital adding the flavour of monetary gain, its the common man who pays the ultimate price. Its hard for us to understand the medical terms, so these hospital count on these sophisticated words and pour the money out of us.</p>
<p>A recent incident with one of my friend had such a bad experience. With little drenched he had fever, then late night shivering finally after a day he got admitted to a hospital ( <strong>SAGAR APOLLO HOSPITAL &#8211; BANGALORE</strong>) , few hours later we came to know that he has symptoms of <strong>MALARIA</strong>, two days he was tested negative for malarial, but then he was then given a new symptom of <strong>SWINE FLU</strong>. During all his stay he has been given around 30-40 shots of medicine, countless number of pills. Now the conclusion is that they have diagnosed him not properly so may be they will interrogate his body for another two or three days. During all these days they gone charge him for all the hospitality they have given to him.</p>
<p>We always talk about consumer forum, to claim if we have a some defected product, what about these hospitality services where have nothing tangible. Nothing to claim, and that too keeping the one of the most valuable thing on stake that is <strong>LIFE. </strong>With these highly  qualified doctors with tons of experience, its hard to say that they have no knowledge of medical sciences, guess then its all about fool the innocent patient and squeeze money out of him/her.</p>
<p>I know this piece of text won&#8217;t make any changes to any one, but atleast I feel satisfied of getting out my anger. Hope you do the same.
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		<title>Should India Follow a Bussiness Process?</title>
		<link>http://www.titimma.com/india-follow-bussiness-process/</link>
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		<pubDate>Sat, 07 Nov 2009 13:23:36 +0000</pubDate>
		<dc:creator>Code Name 4364</dc:creator>
				<category><![CDATA[Discussions]]></category>
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		<description><![CDATA[Just bought some cookies from Cafe Coffee Day shop, as we thought of enjoying some real taste. The cookies were awesome, suddenly one comment from one of my friend compelled to write this blog, the comment was how come different CCD end up in making the cookie of same quality and taste around the globe. [...]


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			<content:encoded><![CDATA[<p></p><p>Just bought some cookies from Cafe Coffee Day shop, as we thought of enjoying some real taste. The cookies were awesome, suddenly one comment from one of my friend compelled to write this blog, the comment was how come different CCD end up in making the cookie of same quality and taste around the globe. Although many answered it in an informal way, but a deep thought would make you realise worth spending time on this article.</p>
<p>The reason is straight forward they all follow a standard process, not going in technical definition of the term, a process is something that defines a set rule to acomplish some task, thanks to my company (Accenture) that tought me the importance of the term <strong>PROCESS</strong>. With just over 40K employees all over India the firm is known for delivering high performance and myself being a part of this, know how to do it. The reason is simple, they all follow a standard process. Be it America, Europe, Asian Sub Continent all produce the product of same quality, even with same defects (<strong> Normally they don&#8217;t do mistakes)</strong>.</p>
<p>India on a whole could be considered as firm that produces services for us, also for the world like any other MNC does, so why not apply the same <strong>PARADIGM </strong>to our country in order to increase her performance. <strong>The very fear of loosing your job makes you work hard to hold on to that job</strong>, this is what all the big corporates count on, the moment Indian machinery does that India will soon be delivering high performance.</p>
<p>The country produces people who are respected for their hard &amp; smart work, also the smae country prodeuces people who hate working. The reason is same, the difference in attitude. Indian machinery is one of the biggest and complex in its working which requires a some standard process to measure its performance. If MNC&#8217;s all around the globe can deliver the same product with same quality, then why not country like India with different regional divisions cannot think of maintaing the same pace of development across different states.</p>
<p>Well there could be many guidelines to achieve this goal, it may include promotion on the basis of performance not on the basis of seniority, monetary advantage to those who work with dedication, etc&#8230;. The policy makers would be in a better position to define all these guidelines.</p>
<p>I don&#8217;t say that Indian machinery is all dead, the making of Mumbai bridge, the Delhi metro are some of the biggest example that shows <strong>India has the capability to deliver high performance, just we need to oil it a little bit</strong>
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		<title>The G-House Effect</title>
		<link>http://www.titimma.com/green-house/</link>
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		<pubDate>Sat, 07 Nov 2009 09:41:59 +0000</pubDate>
		<dc:creator>Code Name 4364</dc:creator>
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		<description><![CDATA[The cry for the our environment has been antiquated now, cutting tree, pollution from machines, sky touching chimneys are some key issues for environmentalist to amplify the cry, the solution for them are even worse, plant more trees, use public transport and the worst stop industrialization. The question is do we follow or even listen [...]


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			<content:encoded><![CDATA[<p></p><p>The cry for the our environment has been antiquated now, cutting tree, pollution from machines, sky touching chimneys are some key issues for environmentalist to amplify the cry, the solution for them are even worse, plant more trees, use public transport and the worst stop industrialization. The question is do we follow or even listen to these arguments? Answer is no,  with growing urbanization we all need homes to live, no one wants to live in villages, to create handsome dwelling places we need to cut tree. We talk about stopping Industrialization but most of the developed economy have a strong foundation of Industrialization, and they are not so much polluted either.Carbon Tax is one of the terms that has made huge impact on us, many countries are now strictly following the norms of carbo tax. Another such recent term that has been coined is called the <strong>Green House.</strong></p>
<p><strong>Definition</strong></p>
<p><strong></strong>Green building is a design philosophy which higlights the efficiency of resource use, while reducing building impacts on the environment, through better construction Practices. In short a common view is that building, be it commercial or residential, should be designed and operated in a way to reduce the overall impact of the built environment on human health.It tends to focus on the use of natural materials that are available locally.</p>
<p><strong>Architectural Hazards </strong><br />
As of 2006, buildings used 40 percent of the total energy consumed in both the US and European Union. In the US, 54 percent of that percentage was consumed by residential buildings and 46 percent by commercial buildings. In 2002, buildings used approximately 68 percent of the total electricity consumed in the United States with 51 percent for residential use and 49 percent for commercial use. 38 percent of the total amount of carbon dioxide in the United States can be attributed to buildings, 21 percent from homes and 17.5 percent from commercial uses. Buildings account for 12.2 percent of the total amount of water consumed per day in the United States. Leading underground water shortage in these developed countries.(Data provided by http://www.Wikipedia.org). Keeping this in mind, reducing the amount of natural resources buildings consume and the amount of pollution given off could be seen as major source for environmental imbalance.<br />
Although these green houses are some times considered to be cost ineffective but a recent study by World Business Council for Sustainable Development finds that green costs are overestimated by 300 percent.Effective green buildings are more than just a random collection of environmental friendly technologies, infact they are just primitive architectural knowledge fused with modern approach.</p>
<p>Green architecture aims at reducing waste of energy, water and materials used during construction. Consider for example, in California nearly 60% of the state&#8217;s waste comes from commercial buildings.To reduce the impact on wells or water treatment plants, several options exist. &#8220;Greywater&#8221;, wastewater from sources such as dishwashing or washing machines, can be used for subsurface irrigation, or if treated, for non-potable purposes, e.g., to flush toilets and wash cars, thereby reducing the same burden from Rainwater, also it helps in maintaing a healthy groundwater level</p>
<p><strong>Green House At International Stage.</strong><br />
In 2004, the European Commission initiated the GreenBuilding Programme (GBP). This programme aims at improving the energy efficiency and expanding the integration of renewable energies in non-residential buildings in Europe on a voluntary basis. The programme addresses owners of non-residential buildings to realise cost-effective measures which enhance the energy efficiency of their buildings in one or more technical disciplines.</p>
<p>In the years 2005-2006, the GreenBuilding infrastructure was set up in ten European countries. The successful work is now being continued in a 2nd phase &#8211; called GreenBuildinPlus &#8211; that started December 2007. The GreenBuilding project is supported by the European Commission’s Intelligent Energy Europe Programme.</p>
<p>As per the current situation the contribution from building construction could be considered as a drop of water in ocean, but in near future this drop of water may cause a flood that would be impossible to controll.
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		<title>Did RBI&#8217;s Credential Diminished?</title>
		<link>http://www.titimma.com/rbi/</link>
		<comments>http://www.titimma.com/rbi/#comments</comments>
		<pubDate>Sun, 30 Aug 2009 10:35:22 +0000</pubDate>
		<dc:creator>pawanyadav</dc:creator>
				<category><![CDATA[Discussions]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[ATM]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[RBI]]></category>

		<guid isPermaLink="false">http://www.titimma.com/?p=797</guid>
		<description><![CDATA[Some days ago I came through an article in The Times Of India, front page and in-fact this was on most of the news channels, that RBI has changed rules regarding free usage of a third party ATM’s(not the same bank ATM in which we have account). Obviously this was important news but why RBI [...]


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			<content:encoded><![CDATA[<p></p><p>Some days ago I came through an article in <a href="http://timesofindia.indiatimes.com/" target="_blank">The Times Of India</a>, front page and in-fact this was on most of the news channels, that <a class="zem_slink" title="Run batted in" rel="wikipedia" href="http://en.wikipedia.org/wiki/Run_batted_in">RBI</a> has changed rules regarding free usage of a third party ATM’s(not the same <a class="zem_slink" title="Bank" rel="wikipedia" href="http://en.wikipedia.org/wiki/Bank">bank</a> ATM in which we have account). Obviously this was important news but why RBI made this decision? For this I look up the history of transaction from a third party ATM.</p>
<p><img src="http://indolinkenglish.files.wordpress.com/2009/07/rbi.jpg" alt="rbi Did RBIs Credential Diminished? " width="394" height="263" title="Did RBIs Credential Diminished? " /></p>
<p><strong><span style="text-decoration: underline;">When Did This Start</span></strong></p>
<p>If you had remember, before April 1, 2009 we had to pay for transaction, printed statement or even for balance inquiry from third party ATM. Have you ever thought what were that charges and why we had to pay? The answer is simple when we use a third party ATM, our bank pays an interchange fee of Rs 18 to Rs 20 per transaction to the bank whose ATM we used.  This fee covers the expenses incurred by both banks when a customer of bank X usage ATM of bank Y. Earlier we had to pay, now our banks. So from April 1, 2009 one could make free transaction with other bank.</p>
<p><span style="text-decoration: underline;"><strong>What Goes Wrong</strong></span></p>
<p>Earlier very few banks were tied up with each other and the charges were nominal as compared to others. So RBI introduced a directive to the banks to allow free use of <a class="zem_slink" title="Automated teller machine" rel="wikipedia" href="http://en.wikipedia.org/wiki/Automated_teller_machine">ATM machines</a> irrespective of which bank a customer had accounts with. That means you can use third party ATM free of cost. But now your bank was paying around Rs 20 to the other bank per transaction and obviously the bank having more number of ATM will be used more. Why customer will go even 50 meters to use his bank’s ATM, since it is human psychology to feel more comfort.</p>
<p><img src="http://justgetthere.us/blog/uploads/money_down_toilet.jpg" alt="money down toilet Did RBIs Credential Diminished? " width="407" height="326" title="Did RBIs Credential Diminished? " /></p>
<p>So if a person withdrew even Rs 100, his bank had to bear this interchange fee every time, which became quite expensive. <a class="zem_slink" title="SBI Group" rel="wikipedia" href="http://en.wikipedia.org/wiki/SBI_Group">SBI</a> has maximum number of ATMs in the country and recent survey shows that <a class="zem_slink" title="ICICI Bank (ICICIBANK-BY)" rel="wikinvest" href="http://www.wikinvest.com/stock/ICICI_Bank_%28ICICIBANK-BY%29">ICICI</a> is loosing Rs 4-5 Cr per month due to this interchange fee only and most of the ICICI customer opt to use third party ATM, even ICICI is 2nd in number of ATMs. That means people are misusing this facility(or may be using sometimes),which made banks in loss.</p>
<p>Since the number of ATMs of individual bank are not same and varied largely, everyone knows banks will suffer loss due to this directive of RBI and one day it will have to be changed and finally they changed this. RBI is not supposed to do this when they are regulating one of the biggest economy in the world. Everywhere in the world do third party bank charges for each transaction of their ATM usage, even in <a class="zem_slink" title="United States" rel="geolocation" href="http://maps.google.com/maps?ll=38.8833333333,-77.0166666667&amp;spn=10.0,10.0&amp;q=38.8833333333,-77.0166666667 (United%20States)&amp;t=h">U.S.</a>, one pays $3 per transaction and in <a class="zem_slink" title="Australia" rel="geolocation" href="http://maps.google.com/maps?ll=-35.3,149.133333333&amp;spn=10.0,10.0&amp;q=-35.3,149.133333333 (Australia)&amp;t=h">Australia</a> they charge bit more.</p>
<p>Earlier they want to make customers happy but now they have reached a decision to make both them happy, the banks and customers. Before few months ago banks put three demands to RBI:</p>
<ol>
<li><strong><em>Free usages of third party ATM should be restricted to limited number per month.</em></strong></li>
<li><strong><em>The transaction amount should be re-decided.</em></strong></li>
<li><strong><em>Minimum transaction amount from third party ATM should be Rs 1000.</em></strong></li>
</ol>
<p><span style="text-decoration: underline;"><strong>What RBI Has Corrected </strong></span><span style="text-decoration: underline;"><strong>Now</strong></span></p>
<p><strong><span style="text-decoration: underline;"><img src="http://www.conwytobaku.co.uk/wp-content/uploads/2009/01/atm.jpg" alt="atm Did RBIs Credential Diminished? "  title="Did RBIs Credential Diminished? " /> </span></strong></p>
<p>Recent announcement from RBI regarding free usages of ATM’s are changed and will be applicable from September 1, 2009. The new circular for transaction from third party ATM shows the free usages of <strong><em>third party</em> <em>ATM’s</em></strong> are restricted to<em> <strong>five times in a month</strong></em> and the<em> <strong>upper limit of Rs</strong></em> <em><strong>10,000 per ATM</strong> <strong>withdrawal</strong></em> has been set. However they have rejected their demand of minimum Rs 1,000 withdrawal at a time, since India has a lot of low-cost customers and they will be affected badly.</p>
<p>This is the short middle ground which RBI has found to make both the customers and banks happy. So far the middle ground option choosen by RBI is concerned, the credential value of RBI will depend on time. Till then the public as well as the banking sector has to wait and watch.</p>
<p><strong> </strong>
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