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H ere's some good news for savings account holders. The Reserve Bank has asked banks to start calculating interest rates on savings accounts on a daily basis from April 1. This move will enable saving bank account holders to  earn higher  interest rates. Currently, banks calculate interest (3.5 per cent per annum) on these accounts on the lowest available balance, between 11th and the last date of a month. The new system would help saving account holders earn 16-18 per cent more from their deposits. According to bankers, the new system will amount to higher interest payouts and may even result in a slight rise in the cost of funds. The RBI had announced this in the April 2009 and had given time to all banks to get their IT infrastructure in place for a smooth transition to the new system. "We advise that payment of interest on savings accounts may be made by banks on a daily product basis with effect from April 1," RBI said in a notification, which also asked banks to en...

Getting married? Starting a job? Getting further education? Starting your own family? Have you planned for these important phases in your life? Good control over your personal finances will help you achieve the goals you have set for yourself and cope with changes in your life. How can you achieve that? The answer is having your own personalized budget. How do you draw a budget that suits your need? Say, you are interested in taking an educational course and are thinking of taking a student loan. How will you accommodate this additional expense? To begin with, you need to draw your personal budget. a)  The first step is to calculate your monthly income. Consider income from all sources including income from your investments. -----A b)  Next, make a list of your monthly expenses. For example, if you are a salaried employee, list your routine expenses like expenses on commute, food expenses, utilities, clothes, charities etc. Then think of any extraordinary expenses that you may...

Doctors no longer advise women to eat for two during their pregnancies as new research shows that overeating during this time can impact the health of their babies adversely. Only a pregnant woman knows what it's like to be told repeatedly by both her mother and mother-in-law to eat "enough for two." It turns out that this advice may be wrong after all: New studies have shown that a high calorie diet could affect the gender, and more importantly, the health of the baby. According to this study, the high fat, high carbohydrate diet of pregnant mice impacted almost 2,000 genes in the developing offspring, including those involved in kidney function and smell. Doctors in the city agree that a pregnant woman who overeats can harm her unborn child by exposing it to a host of health problems. "Pregnancy is the time when a women needs to exercise control on her diet and eat judiciously. The first three months is the time to have extra folic acid along with a balanced diet...

First rule of job hunt: Be sure of why you want to leave a job. HR experts caution against any desperation to leave the current job and take up any offer that might come up your way. Just because you're unhappy in your current job isn't reason enough to change your job. Carefully analyse what exactly the problem is in your current job: does the issue lie with your role, your boss or your stagnant career? Caution Boris Groysberg and Robin Abrahams, Associate Professor and Research Associate respectively at the Harvard Business School: "Candidates not only skimp on research in the belief that the grass has to be greener elsewhere but also fail to look strategically at their current companies for opportunities that might exist for them." Plan your job moves as meticulously as you do your finances. Sanjeev Bikhchandani, Founder-CEO, Info Edge India, which runs popular job portal Naukri.com, likens career to financial investment. "The biggest mistake at the time of...

  GAUHATI, India (AP) The Indian military has a new weapon against terrorism: the world's hottest chili. After conducting tests, the military has decided to use the thumb-sized "bhut jolokia," or "ghost chili," to make tear gas-like hand grenades to immobilize suspects, defense officials said Tuesday. The bhut jolokia was accepted by Guinness World Records in 2007 as the world's spiciest chili. It is grown and eaten in India's northeast for its taste, as a cure for stomach troubles and a way to fight the crippling summer heat. It has more than 1,000,000 Scoville units, the scientific measurement of a chili's spiciness. Classic Tabasco sauce ranges from 2,500 to 5,000 Scoville units, while jalapeno peppers measure anywhere from 2,500 to 8,000. "The chili grenade has been found fit for use after trials in Indian defense laboratories, a fact confirmed by scientists at the Defense Research and Development Organization," Col. R. Kalia, a de...

Washington, March 21 (ANI): In a new study, Northeastern earth and environmental sciences Professor Jennifer Cole has discussed what causes earthquakes and how one natural disaster can lead to another. As to what causes earthquakes, Cole says that they result from the movement of tectonic plates. As tectonic plates slide past each other, energy builds up in the rocks until they can no longer hold the stress. This causes failure in the form of breaking rocks, sending energy waves outward. The earthquakes in Haiti, China, Japan, and Chile all happened because of this series of events. Glaciers may also cause earthquakes. During the last glacial period, the ice sheet was up to 2.5 miles thick. This pushed down on the Earth's crust, causing a depression. When the weight was lifted due to glacial melting, the depressed crust began to stick-slip on its way back to the pre-depressed elevation. In addition, humans can cause earthquakes by damming rivers, creating a reservoir ...

For foreign universities, which haven't yet recovered fully from the aftershocks of the worldwide recession, India presents, to quote a word re-introduced into the English vocabulary by Tim Burton's Alice in Wonderland , a 'frabjous' opportunity. More than 100,000 students leave Indian shores annually to study at universities abroad. Their presence has made foreign universities wake up to the incontrovertible fact that there's another 'creamy layer' below these students abroad whose families are prepared to pay upwards of Rs 2.5 lakh a year for quality education. Profs debate Foreign Univ Bill What foreign universities Bill can't do International students are the economic mainstay of foreign universities, but these institutions are not in a position to meet the demand for the education they provide on their own campuses back home. This untapped market makes the business of overseas campuses that much more lucrative. For over a decade, foreign univer...