A lot of questions in the mind

//More than 80 per cent of the loan portfolio of housing finance companies consists of home loans. Their direct exposure to developers and builders is usually small as a share of the total asset portfolio.//

This is what I read in the article about housing scam in rediffmoney. 

  

Apart from not knowing what they expect of housing finance companies, is not one prompted to ask what constitutes their 20% unmentioned portfolio. [bribes to those concerned?]

Is it not reasonable to expect some amount of direct exposure since promoters, developers and builders work not on individual properties as in the past but some of them are engaged in creating new townships ?  But the question to be settled is where did the corruption cycle start ?

1. With the overeager buyer of property who wanted some thing beyond his means and wanted the sanctioning authority to close his eyes on critically examining certain factors like pay back capability, payback period, actual value of property

2. Sanctioning authority who was dealing in crores but did not have a status of his own and wanted to accelerate the process of acquiring a car because of a greediness encouraged by factor 1.

3. People who did not have any thing else to do other than indulge in brokering loans. [I have come across far too many of them]

4. Property developers who were willing to bribe if the bank officers insisted on loan takers making the choice on their properties.

But all these may give rise to irregularities in small packets only.  How it became unwritten policy ?  Who were the brokers and who were the promoters who benefited ? Any attempt at converting B to W ?

      

Humour club - Chennai

Dear Humorist,                                                                           01.11.2010

                  We welcome you with family and friends for ‘‘AN ENJOYABLE & GALA HUMOROUS EVENING” on 1st Sunday, the7^th November 2010, [PL NOTE THE CHANGE IN DATE] at 4.00 p.m. at  Dhakshinamoorthy Hall, P.S. High School Campus, R.K. Mutt Road,(Opp: Ramakrishna Mutt) Mylapore, Chennai 600 004.

                           

           Opension Session: From 4 to 5 p.m. for Members

        From 5 to 6.45 p.m.

 “A FULL LENGTH COMEDY PLAY"

Stage Creation presents Kalaimaamani Kaathadi Ramamurthy                            In     NEENGA YAAR PAKKAM

PLEASE NOTE:   The Meeting will start at 4.00 p.m. and you are requested

                                to be in seat at 3.45 p.m.

JOKE SESSION:  Members who wish to participate in the “Joke Session”     

                               should give their names at the Hall before the meeting starts

                               come prepared to present your “Best New Jokes” on stage

                               and win the prizes (3 prizes)

Please attend the meeting with your family and friends and enjoy the 

"Evening of Humour".

Subscription: Annual Rs.200. – Life Rs.2000

Forward this mail to your Friends and Relatives and bring more Members

    

REGARDS

KANNAN[TREASURER]

( Forwarded by S. Sadasivam) 

Be careful 80 year old men!

NEW YORK: A 75-year-old woman stabbed her husband, 80, to death in a fit of rage in Monroe town in New Jersey, police said. 

Ruth Zucker was charged with the murder of her dentist husband, Harvey Zucker, in the living room of their home in a retirement community in Monroe, the New York Post reported. 

The body, which had multiple stab wounds, was found when their 46-year-old son, Scott, went to visit. Zucker herself was covered with blood and a knife was recovered, the Middlesex county prosecutor's office said. 

Neighbours said Harvey had been ill for some time and his failing health was a constant source of stress for his wife. 

Ruth, however, pleaded not guilty at her arraignment and was ordered to undergo psychiatric evaluation. 

The couple had been married for 50 years and have three children.

The Times of India

Humour club @ Mylapore

                                                

                                  

                                                                    HUMOUR CLUB INTERNATIONAL

Triplicane Chapter

3A, KRISHNAMANDIR APARTMENTS

27, THIRUVENGADAM STREET ,

MANDAVELI, CHENNAI- 600 028.

Phone: 044 24615829, 2461 4207 & 24614820

Mobile: 98846 88390 - 98411 61196 - 98415 32212

 www.humourclub.org

Dear Humorist,                                                                                                  01.08.2010

                  We welcome you with family and friends for ‘‘AN ENJOYABLE & GALA      HUMOROUS EVENING” on 2nd Sunday, the 8^th August 2010 at 4.00 p.m. at  Dhakshinamoorthy Hall, P.S. High School Campus, R.K. Mutt Road, (Opp: Ramakrishna Mutt) Mylapore, 

Chennai 600 004.

                                                                               

MEMORABALE OLD FILM SONGS WITH VIDEO CLIPINGS Special Presentation By SAKALAKALAVALLI THIRUMATHY REVATHY SANKARAN

             

                        

PLEASE NOTE:  The Meeting will start at 4.00 p.m. and you are requested

                                To be in seat at 3.45 p.m.

JOKE SESSION:  Members who wish to participate in the “Joke Session”     

                               Should give their names at the Hall before the meeting starts

                               Come prepared to present your “Best New Jokes” on stage

                               and win the prizes (3 prizes)

                      

Subscription: Annual Rs.200. – Life Rs.2000

Forward this mail to your Friends and Relatives and bring more Members

K.S. SEETHARAMAN   Ln. K.R.NATARAJAN           R.SEKHARAN          B. KANNAN 

Chairman                          Vice-Chairman                   Secretary               Treasurer   

98411 61196                       98400 68768                     98846 88390           98415 32212

Health tips.

Cinnamon and Honey

Honey is the only food on the planet that will not spoil or rot. It will do what some call turning to sugar. In reality honey is always honey... However, when left in a cool dark place for a long time it will do what I rather call "crystallizing".   When this happens I loosen the lid, boil some water, and sit the honey container in the hot water, turn off the heat and let it liquefy. It is then as good as it ever was. Never boil honey or put it in a microwave. To do so will kill the enzymes in the honey.

Cinnamon and Honey

Bet the drug companies won't like this one getting around.  Facts on Honey and Cinnamon:  It is found that a mixture of honey and Cinnamon cures most diseases. Honey is produced in most of the countries of the world. Scientists of today also accept honey as a 'Ram Ban' (very effective) medicine for all kinds of diseases.  Honey can be used without any side effects for any kind of diseases.. 
 
Today's science says that even though honey is sweet, if taken in the right dosage as a medicine, it does not harm diabetic patients.   Weekly World News, a magazine in Canada, in its issue dated 17 January,1995 has given the following list of diseases that can be cured by honey and cinnamon as researched by western scientists: 

HEART DISEASES:

Make a paste of honey and cinnamon powder, apply on bread, instead of jelly and jam, and eat it regularly for breakfast. It reduces the cholesterol in the arteries and saves the patient from heart attack.  Also, those who have already had an attack, if they do this process daily, they are kept miles away from the next attack. Regular use of the above process relieves loss of breath and strengthens the heart beat.  In America and Canada, various nursing homes have treated patients successfully and have found that as you age, the arteries and veinslose their flexibility and get clogged; honey and cinnamon revitalize thearteries and veins..

ARTHRITIS:

Arthritis patients may take daily, morning and night, one cup of hot water with two spoons of honey and one small teaspoon of cinnamon powder. If taken regularly even chronic arthritis can be cured. In a recent research conducted at the Copenhagen University, it was found that when the doctors treated their patients with a mixture of one tablespoon Honey and half teaspoon Cinnamon powder before breakfast, they found that within a week, out of the 200 people so treated, practically 73 patients were totally relieved of pain, and within a month, mostly all the patients who could not walk or move around because of arthritis started walking without pain.

BLADDER INFECTIONS:

Take two tablespoons of cinnamon powder and one teaspoon of honey in a glass of lukewarm water and drink it. It destroys the germs in the bladder.

CHOLESTEROL: 

Two tablespoons of honey and three teaspoons of Cinnamon Powder mixed in 16 ounces of tea water, given to a cholesterol patient, was found to reduce the level of cholesterol in the blood by 10 percent within two hours.   As mentioned for arthritic patients, if taken three times a day, any chronic cholesterol is cured. According to information received in the said Journal, pure honey taken with food daily relieves complaints of cholesterol.

COLDS:

Those suffering from common or severe colds should take one tablespoon lukewarm honey with 1/4 spoon cinnamon powder daily for three days. This process will cure most chronic cough, cold, and clear the sinuses.

UPSET STOMACH:

Honey taken with cinnamon powder cures stomach ache and also clears stomach ulcers from the root.

GAS:

According to the studies done in India and Japan, it is revealed that if Honey is taken with cinnamon powder the stomach is relieved of gas.

IMMUNE SYSTEM:

Daily use of honey and cinnamon powder strengthens the immune system and protects the body from bacteria and viral attacks. Scientists have found that honey has various vitamins and iron in large amounts. Constant use of Honey strengthens the white blood corpuscles to fight bacterial and viral diseases.

INDIGESTION:

Cinnamon powder sprinkled on two tablespoons of honey taken before food relieves acidity and digests the heaviest of meals.

INFLUENZA:

A scientist in Spain has proved that honey contains a natural  'Ingredient' which kills the influenza germs and saves the patient from flu..

LONGEVITY:

Tea made with honey and cinnamon powder, when taken regularly, arrests the ravages of old age. Take four spoons of honey, one spoon of cinnamon powder, and three cups of water and boil to make like tea. Drink 1/4 cup, three to four times a day. It keeps the skin fresh and soft and arrests old age. Life spans also increase and even a 100 year old, starts performing the chores of a 20-year-old. 

PIMPLES:

Three tablespoons of honey and one teaspoon of cinnamon powder paste. Apply this paste on the pimples before sleeping and wash it next morning with warm water. If done daily for two weeks, it removes pimples from the root. 

SKIN INFECTIONS:

Applying honey and cinnamon powder in equal parts on the affected parts cures eczema, ringworm and all types of skin infections.

WEIGHT LOSS:

Daily in the morning one half hour before breakfast on an empty stomach, and at night before sleeping, drink honey and cinnamon powder boiled in one cup of water. If taken regularly, it reduces the weight of even the most obese person. Also, drinking this mixture regularly does not allow the fat to accumulate in the body even though the person may eat a high calorie diet.

CANCER:

Recent research in Japan and Australia has revealed that advanced cancer of the stomach and bones have been cured successfully. Patients suffering from these kinds of cancer should daily take one tablespoon of honey with one teaspoon of cinnamon powder for one month three times a day. 

FATIGUE:

Recent studies have shown that the sugar content of honey is more helpful rather than being detrimental to the strength of the body.. Senior citizens, who take honey and cinnamon powder in equal parts, are more alert and flexible. Dr. Milton, who has done research, says that a half tablespoon of honey taken in a glass of water and sprinkled with cinnamon powder, taken daily after brushing and in the afternoon at about 3:00 P.M. when the vitality of the body starts to decrease, increases the vitality of the body within a week.

BAD BREATH:

People of South America, first thing in the morning, gargle with one teaspoon of honey and cinnamon powder mixed in hot water, so their breath stays fresh throughout the day.

HEARING LOSS:

Daily morning and night honey and cinnamon powder, taken in equal parts restores hearing. Remember when we were kids? We had toast with real butter and cinnamon sprinkled on it! 

Forwarded by :: DIVYA NCM::

How the car got inside?

Do you read news papers in full?

Given here  is the scan of Times of India page 8 column 7 of 26 may 2010.

read it and see for yourself.

If you are also a heading-only reader like me, you will miss the catch.

That is Mohanam!

What is referred here?

Can u say?

What is the twist in this pix?

From Orkut

Audio engineering

FRUIT EATING.

EATING FRUIT... 

It's long but very informative (Read fully)
****
We all think eating fruits means just buying fruits, cutting it and just popping it into our mouths. It's not as easy as you think. It's important to know how and when to eat. 
****
What is the correct way of eating fruits? 
****
IT MEANS NOT EATING FRUITS AFTER YOUR MEALS! * FRUITS SHOULD BE EATEN ON AN EMPTY STOMACH. 
****
If you eat fruit like that, it will play a major role to detoxify your system, supplying you with a great deal of energy for weight loss and other life activities. 
**** 
FRUIT IS THE MOST IMPORTANT FOOD. Let's say you eat two slices of bread and then a slice of fruit. The slice of fruit is ready to go straight through the stomach into the intestines, but it is prevented from doing so. 
****
In the meantime the whole meal rots and ferments and turns to acid. The minute the fruit comes into contact with the food in the stomach and digestive juices, the entire mass of food begins to spoil.... 
****
So please eat your fruits on an empty stomach or before your meals! You have heard people complaining — every time I eat watermelon I burp, when I eat durian my stomach bloats up, when I eat a banana I feel like running to the toilet, etc — actually all this will not arise if you eat the fruit on an empty stomach. The fruit mixes with the putrefying other food and produces gas and hence you will bloat! 
****
Graying hair, balding, nervous outburst, and dark circles under the eyes all these will NOT happen if you take fruits on an empty stomach. 
**** 
There is no such thing as some fruits, like orange and lemon are acidic, because all fruits become alkaline in our body, according to Dr. Herbert Shelton who did research on this matter. If you have mastered the correct way of eating fruits, you have the Secret of beauty, longevity, health, energy, happiness and normal weight. 
**** 
When you need to drink fruit juice - drink only fresh fruit juice, NOT from the cans. Don't even drink juice that has been heated up. Don't eat cooked fruits because you don't get the nutrients at all. You only get to taste. Cooking destroys all the vitamins. 
****
But eating a whole fruit is better than drinking the juice. If you should drink the juice, drink it mouthful by mouthful slowly, because you must let it mix with your saliva before swallowing it. You can go on a 3-day fruit fast to cleanse your body. Just eat fruits and drink fruit juice throughout the 3 days and you will be surprised when your friends tell you how radiant you look! 
****
KIWI: Tiny but mighty. This is a good source of potassium, magnesium, vitamin E & fiber. Its vitamin C content is twice that of an orange. 
****
APPLE: An apple a day keeps the doctor away? Although an apple has a low vitamin C content, it has antioxidants & flavonoids which enhances the activity of vitamin C thereby helping to lower the risks of colon cancer, heart attack & stroke. 
****
STRAWBERRY: Protective Fruit. Strawberries have the highest total antioxidant power among major fruits & protect the body from cancer-causing, blood vessel-clogging free radicals. 
****
ORANGE : Sweetest medicine. Taking 2-4 oranges a day may help keep colds away, lower cholesterol, prevent & dissolve kidney stones as well as lessens the risk of colon cancer. 
****
WATERMELON: Coolest thirst quencher. Composed of 92% water, it is also packed with a giant dose of glutathione, which helps boost our immune system. They are also a key source of lycopene — the cancer fighting oxidant. Other nutrients found in watermelon are vitamin C & Potassium. 
****
GUAVA & PAPAYA: Top awards for vitamin C.. They are the clear winners for their high vitamin C content.. Guava is also rich in fiber, which helps prevent constipation. Papaya is rich in carotene; this is good for your eyes. 
****
Drinking Cold water after a meal = Cancer! Can u believe this?? For those who like to drink cold water, this article is applicable to you. It is nice to have a cup of cold drink after a meal. However, the cold water will solidify the oily stuff that you have just consumed. It will slow down the digestion. Once this 'sludge' reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food. It will line the intestine. Very soon, this will turn into fats and lead to cancer. It is best to drink hot soup or warm water after a meal. 
****
A serious note about heart attacks HEART ATTACK PROCEDURE': (THIS IS NOT A JOKE!) Women should know that not every heart attack symptom is going to be the left arm hurting. Be aware of intense pain in the jaw line. You may never have the first chest pain during the course of a heart attack. Nausea and intense sweating are also common symptoms. Sixty percent of people who have a heart attack while they are asleep do not wake up. Pain in the jaw can wake you from a sound sleep. Let's be careful and be aware. The more we know the better chance we could survive. 
****
A cardiologist says if everyone who gets this mail sends it to 10 people, you can be sure that we'll save at least one life. 

Read this....It could save your life!!

( Forwarded by Ilangovan Rangarajan, Rajam Constructions, Chromepet)

experi mental!!

   

 

 

 

 

 

Non $top Entertainment only at Funzug! Click to Join 4 Free!

 

 

 

 

 

 

 

   

Non $top Entertainment only at Funzug! Click to Join 4 Free!

 

   

 

 

 

  

Non $top Entertainment only at Funzug! Click to Join 4 Free!