LOYAL OR FINANCIAL

I GOT IT BY MAIL

Interesting.....Don't miss last Questions...

Some, rather most organizations reject his CV today because he has changed jobs frequently (10 in 14 years).

My friend, the 'job hopper' (referred here as Mr. JH), does not mind it.... well he does not need to mind it at all. Having worked full-time with 10 employer companies in just 14 years gives Mr. JH the relaxing edge that most of the 'company loyal' employees are struggling for today. Today, Mr. JH too is laid off like some other 14-15 year experienced guys - the difference being the latter have just worked in 2-3 organizations in the same number of years.

Here are the excerpts of an interview with Mr. JH:

Q: Why have you changed 10 jobs in 14 years?
A: To get financially sound and stable before getting laid off the second time.

Q: So you knew you would be laid off in the year 2009?
A: Well I was laid off first in the year 2002 due to the first global economic slowdown. I had not got a full-time job before January 2003 when the economy started looking up; so I had struggled for almost a year without job and with compromises.

Q: Which number of job was that?
A: That was my third job.

Q: So from Jan 2003 to Jan 2009, in 6 years, you have changed 8 jobs to make the count as 10 jobs in 14 years?
A: I had no other option. In my first 8 years of professional life, I had worked only for 2 organizations thinking that jobs are deserved after lot of hard work and one should stay with an employer company to justify the saying 'employer loyalty'. But I was an idiot.

Q: Why do you say so?
A: My salary in the first 8 years went up only marginally. I could not save enough and also, I had thought that I had a 'permanent' job, so I need not worry about 'what will I do if I lose my job'. I could never imagine losing a job because of economic slowdown and not because of my performance. That was January 2002.

Q: Can you brief on what happened between January 2003 and 2009.
A: Well, I had learnt my lessons of being 'company loyal' and not 'money earning and saving loyal'. But then you can save enough only when you earn enough. So I shifted my loyalty towards money making and saving - I changed 8 jobs in 6 years assuring all my interviewers about my stability.

Q: So you lied to your interviewers; you had already planned to change the job for which you were being interviewed on a particular day?
A: Yes, you can change jobs only when the market is up and companies are hiring. You tell me - can I get a job now because of the slowdown? No. So one should change jobs for higher salaries only when the market is up because that is the only time when companies hire and can afford the expected salaries.

Q: What have you gained by doing such things?
A: That's the question I was waiting for. In Jan 2003, I had a fixed salary (without variables) of say Rs. X p.a. In January 2009, my salary was 8X. So assuming my salary was Rs.3 lakh p.a. in Jan 2003, my last drawn salary in Jan 2009 was Rs.24 lakh p.a. (without variable). I never bothered about variable as I had no intention to stay for 1 year and go through the appraisal process to wait for the company to give me a hike.

Q: So you decided on your own hike?
A: Yes, in 2003, I could see the slowdown coming again in future like it had happened in 2001-02. Though I was not sure by when the next slowdown would come, I was pretty sure I wanted a 'debt-free' life before being laid off again. So I planned my hike targets on a yearly basis without waiting for the year to complete.

Q: So are you debt-free now?
A: Yes, I earned so much by virtue of job changes for money and spent so little that today I have a loan free 2 BR flat (1200 sq. feet) plus a loan free big car without bothering about any EMIs. I am laid off too but I do not complain at all. If I have laid off companies for money, it is OK if a company lays me off because of lack of money.

Q: Who is complaining?
A: All those guys who are not getting a job to pay their EMIs off are complaining. They had made fun of me saying I am a job hopper and do not have any company loyalty. Now I ask them what they gained by their company loyalty; they too are laid off like me and pass comments to me - why will you bother about us, you are already debt-free. They were still in the bracket of 12-14 lakh p.a. when they were laid off.

Q: What is your advice to professionals?
A: Like Narayan Murthy had said - love your job and not your company because you never know when your company will stop loving you. In the same lines, love yourself and your family needs more than the company's needs. Companies can keep coming and going; family will always remain the same. Make money for yourself first and simultaneously make money for the company, not the other way around.

Q: What is your biggest pain point with companies?
A: When a company does well, its CEO etc will address the entire company saying, 'well done guys, it is YOUR company, keep up the hard work, I am with you." But when the slowdown happens and the company does not do so well, the same CEO etc will say, "It is MY company and to save the company, I have to take tough decisions including asking people to go." So think about your financial stability first; when you get laid off, your kids will complain to you and not your boss.

Catamaran

Origin of the Catamaran

A catamaran (from Tamil kattu "to tie" and maram "wood, tree") is a type of boat or ship consisting of two hulls joined by a frame. Catamarans can be sail or engine powered. The catamaran was the invention of the paravas, a fishing community on the Southern coast of Tamil Nadu, India. Catamarans were used by the ancient Tamil Chola dynasty as early as the 5th century AD for moving their fleets to conquer such Southeast Asian regions as Burma, Indonesia and Malaysia.

Catamarans are a relatively recent design of boat for both leisure and sport sailing, although they have been used for millennia in Oceania, where Polynesian catamarans and outrigger canoes allowed seafaring Polynesians to settle the world's most far-flung islands. Catamarans have been met by a degree of skepticism from some sailors accustomed to more traditional designs.

Catamaran History

The English adventurer and buccaneer William Dampier, traveling around the world in the 1690s in search of business opportunities, once found himself on the Southeastern coast of India, in Tamil Nadu, on the Bay of Bengal. He was the first to write in English about a kind of vessel he observed there. It was little more than a raft made of logs. "On the coast of Coromandel," he wrote in 1697, "they call them Catamarans. These are but one log, or two, sometimes of a sort of light Wood ... so small, that they carry but one man, whose legs and breech are always in the water."

While the name came from Tamil, the modern catamaran came from the South Pacific. English visitors applied the Tamil name catamaran to the swift, stable sail and paddle boats made out of two widely separated logs and used by Polynesian natives to get from one island to another.

The design remained relatively unknown in the West for almost another 200 years, when an American, Nathanael Herreshoff, began to build catamaran boats of his own design. The speed and stability of these catamarans soon made them popular a pleasure craft, with their popularity really taking off in Europe, and was followed soon thereafter in America. Currently, most individually owned catamarans are built in France, South Africa, and Australia.

In the twentieth century, the catamaran inspired an even more popular sailboat. In 1947, surfing legend, Woodbridge "Woody" Brown and Alfred Kumalae designed and built the first modern ocean-going catamaran, Manu Kai, in Hawaii. Their young assistant was Rudy Choy, who later founded the design firm Choy/Seaman/Kumalae (C/S/K, 1957) and became a fountainhead for the catamaran movement. The Prout Brothers, Roland and Francis, experimented with catamarans in 1949 and converted their 1935 boat factory in Canvey, Essex (England) to catamaran production in 1954. Their Shearwater catamarans won races easily against the single hulled yachts.

Later, in California, a maker of surfboards, Hobie Alter produced (1967) the 250-pound Hobie Cat 14, and two years later the larger and even more successful Hobie 16. That boat remains in production, with more than 100,000 made in the past three decades.

Presently the catamaran market is the fastest growing segment of the entire boating industry. Other important builders of catamarans are Austal and Incat both of Australia, best known for building large catamarans both as civilian ferries and as naval vessels.

Catamaran Sailing

Although the principles of sailing are the same for both catamarans and monohulls, there are some peculiarities to sailing catamarans. For example:

Teaching for new sailors is usually carried out in monohulls as they are thought easier to learn to sail, a mixture of all the differences mentioned probably contributes to this.

Catamarans, and multihulls in general, are normally faster than single-hull boats for four reasons:

  • Each hull of a catamaran is (typically) thinner in cross section than those of monohulls
  • Catamarans are lighter due to the fact there is no keel counterweight
  • Catamarans have a wider beam (the distance from one side of the boat to the other), which makes them more stable and therefore able to carry more sail area per unit of length than an equivalent monohull
  • The greater stability means that the sail is more likely to stay upright in a gust, drawing more power than a monohull's sail which is more likely to heel (lean) over

A catamaran is most likely to achieve its maximum speed when its forward motion is not unduly disturbed by wave action. This is achieved in waters where the wavelength of the waves is somewhat greater than the waterline length of the hulls, or it is achieved by the design piercing the waves. In either case pitching (rocking horse-like motion) is reduced. This has led to it being said that catamarans are especially favorable in coastal waters, where the often sheltered waters permit the boat to reach and maintain its maximum speed.

Catamarans make good cruising and long distance boats: In fact, The Race (around the world, in 2001) was won by the giant catamaran Club Med skippered by Grant Dalton. It went round the earth in 62 days at an average speed of eighteen knots. Try that in a mono hull!

TAX IN INDIA


1) Qus. : What are you doing?
Ans. : Business.
Tax : PAY PROFESSIONAL TAX!

2) Qus. : What are you doing in Business?
Ans. : Selling the Goods.
Tax : PAY SALES TAX!!

3) Qus. : From where are you getting Goods?
Ans. : From other State/Abroad
Tax : PAY CENTRAL SALES TAX, CUSTOM DUTY & OCTROI!

4) Qus. : What are you getting in Selling Goods?
Ans. : Profit.
Tax : PAY INCOME TAX!

5) Qus. : How do you distribute profit ?
Ans : By way of dividend
Tax : Pay dividend distribution Tax

6) Qus. : Where you Manufacturing the Goods?
Ans. : Factory.
Tax : PAY EXCISE DUTY!

7) Qus. : Do you have Office / Warehouse/ Factory?
Ans. : Yes
Tax : PAY MUNICIPAL & FIRE TAX!

8) Qus. : Do you have Staff?
Ans. : Yes
Tax : PAY STAFF PROFESSIONAL TAX!

9) Qus. : Doing business in Millions?
Ans. : Yes
Tax : PAY TURNOVER TAX!
Ans : No
Tax : Then pay Minimum Alternate Tax

10) Qus. : Are you taking out over 25,000 Cash from Bank?
Ans. : Yes, for Salary.
Tax : PAY CASH HANDLING TAX!

11) Qus.: Where are you taking your client for Lunch & Dinner?
Ans. : Hotel
Tax : PAY FOOD & ENTERTAINMENT TAX!

12) Qus.: Are you going Out of Station for Business?
Ans. : Yes
Tax : PAY FRINGE BENEFIT TAX!

13) Qus.: Have you taken or given any Service/s?
Ans. : Yes
Tax : PAY SERVICE TAX!

14) Qus.: How come you got such a Big Amount?
Ans. : Gift on birthday.
Tax : PAY GIFT TAX!

15) Qus.: Do you have any Wealth?
Ans. : Yes
Tax : PAY WEALTH TAX!

16) Qus.: To reduce Tension, for entertainment, where are you going?
Ans. : Cinema or Resort.
Tax : PAY ENTERTAINMENT TAX!

17) Qus.: Have you purchased House?
Ans. : Yes
Tax : PAY STAMP DUTY & REGISTRATION FEE !

18) Qus.: How you Travel?
Ans. : Bus
Tax : PAY SURCHARGE!

19) Qus.: Any Additional Tax?
Ans. : Yes
Tax : PAY EDUCATIONAL, ADDITIONAL EDUCATIONAL & SURCHARGE ON ALL THE
CENTRAL GOVT.'s TAX !!!

20) Qus.: Delayed any time Paying Any Tax?
Ans. : Yes
Tax : PAY INTEREST & PENALTY!

21) INDIAN :: Can I die now??
Ans :: No, wait we are about to launch the funeral tax!!!

If man evolved from monkeys and apes, why do we still have monkeys and apes?


Best Answer

Hi. This question has already been asked here, both in the Science and in the Religion categories. The best answer I can provide is the same I gave then.

Oh no, not this question again. Why doesn't anybody use the Search button?
Let me address two separate issues (the first part is modified from another answer):
1) The pattern of evolutionary processes that can be seen (in the fossil record and living species)can be of two types:
In _anagenetic_ (meaning "that generate upward movement") events, an entire population evolves in one direction and becomes so different that at some point the people who study it give it a different name. This is encountered in paleontological research and the decision to separate one from the other is ultimately arbitrary.
_Cladogenetic_ (meaning "that generates branches") events entail a population that splits into different sub-groups; each of these then evolves independently from the others. We share A COMMON ANCESTOR with living apes, but we have not evolved from them directly.
Our direct ancestors are fossil hominid species.
All the species that are living today have their separate evolution and history; also they all (including humans) share common ancestors from which they (we) have inherited our common traits. And apes have their own ancestors that are closer to them than to Homo sapiens; the fact that apes are our closest living relatives does not exclude the existence of more related _extinct_ relatives.

2) What you're stating is one of the arguments that many creationist use, namely, that change within a species (adaptation, i.e. microevolution) is possible (they are astute in not denying this, because the proofs are overwhelming!), but a species cannot transform into another (macroevolution).
This is based on a mistaken concept of "species". Most people think in terms of the biological species concept, which is based on reproductive isolation. That is, individuals of each species cannot hybridize succesfully with individuals of other species. However, there is not a single path for the rise of the mechanisms for recognition or isolation that we perceive as the "real boundaries" of a species. What the taxonomist calls a species may respond to different species concepts (such as morphological, evolutionary, biological (isolation), paleontological, recognition, etc,), and there are many examples of populations in which speciation (total isolation) is on the way, and there's a thin line between "subspecies" or "geographical races" and valid species (just ask an expert in systematics, which I am not).
Evolutionary processes are long-term phenomena, and it may seem that there are "evolutionary leaps" from one species to the other. But although there are particular cases of "instantaneous speciation", most of the "leaps" are due to the fragmentary nature of the fossil record. So many populations become extinct or become something else and their former existence is not recorded anywhere! But although the record is fragmentary, life is continuous.

Sorry for the lengthy answer, I hope you find it useful.