Different modes of online payment

In the digital age, people are relying more on internet for accomplishing their works. Online transactions are becoming more common as people can complete the tasks sitting in the comfortable zone of home. You can pay your phone, electricity, internet and other bills with the help of online payment. Online payment also helps you to pay EMIs at the same time. You can do online shopping with much ease with the online payment. There are different modes of payment which have played a vital role in making human life much easier :

Net Banking:
 Net banking is an electronic mode of payment by which the customers of a bank is capable of conducting various financial transaction with the aid of bank's website. The net banking is a part of the core banking system which are operated by the bank. Yo can perform the transactions just by logging into the bank's website. For using the net banking facilities, the customer should be registered with the bank. The bank in turn provides this customer with a customer ID, a password and certain other credentials for verification purposes. You can look at your account balance, pay bills, transfer funds with the help of net banking.

Mobile Banking:
 Smartphones have find extensive usage in every day life and they are not lagging behind when it comes to perform online transactions. In mobile banking, you can do a wide number of online ransactions with the aid of smartphones or tablet. You require an app provided by the bank to make use of this facility. You can use mobile banking to perform online transactions 24*7. You can have a look at your account balance, pay off yor bills and can transfer money with this banking facility. You can sit at home and perform the transactions time and again. The bank will provide you with a customer ID, pin number by which you can perform transactions via mobile banking.

Debit Card
 A debit card is a plastic card which is provided by the bank to the customers once they open an account in the bank. This card helps you to perform various online transactions. Apart from online transactions, you can make use of this card for offline payment as well. You can also transfer funds with the aid of this facility. Banks provide you the 16 digit card number long with a CVV number which is used for performing the transactions.

Credit Card:
 Credit card has also become incredibly popular as a mode of payment. The best thing about credit card is that you can book tickets immediately, pay bills even if you do not have sufficient amount of money to pay at that time. You can perform various online transactions with this card.

Expensive cars in the world

   A number of people dream to buy expensive cars in their life. Passion and love for high priced cars are usual in these days. Here are the most expensive cars across the world which are loved by car lovers across the globe:

1. Porsche 911 Turbo S
Porsche 911 Turbo S is available at a price of Rs. 2.8 crore and 3 crore. With the highest speed of 318 kmph, you can have the car within a time period of 8 to months.

2. Audi R8 LMX
Audi R8 LMX is considered to be one of the most expensive cars. This car costs Rs. 2.97 crores and comes with 5.2 lires V10 engine.

3. Koenigsegg CCXR Trevita - $4.8 million
With a price of $4.8 million, Koenigsegg CCXR Trevita is one of the most expensive cars across the globe. The car stands extra ordinary when it comes to look and performance. The car has a coating of carbon fiber and diamonds. The vehicle was developed by the Swedish manufacturer of Trevita.

4. Lamborghini Venevo - $4.5 million
Lamborghini is one of the costliest cars in the world and is well loved by car lovers for its stunning look. The car has a super fast speed and is also known among the fastest cars.

5. W Motors Lykan Hypersport - $3.4 Million
W Motors Lykan Hypersport comes at a price of $ 3.4 Million and is one of the most expensive cars of the world. Believe it or not, each LED headlight of this car is made up of 220 diamonds. Other precious metals used for this purpose involves sapphires, rubies and yellow diamonds. The car is known to have the highest speed of 248 mph.

6. Pagani Huayra Bc- $2.8 million
With a cost of $2.8 million, Pagani Huayra Bc ranks 4th in the list of high priced cars if the world. The car can reach at a higher speed of 238 mph. The car has amazing doors for which every car lover is passionate about this vehicle.

7. Ferrari FXX K - $2.7 million
With a sleek appearance, Ferrari FXX K is one of the most high priced cars across the globe. 32 models of this car have been manufactured and so far till date. The car has a cost of $2.7 million and has a high speed of 217 mph.

8. Ferrari F60 America - $2.5 million
Ferrari F60 America that comes at a price of $2.5 million is one of the absolute fine cars across the world. Only 10 cars of this model were developed and sold so far in the United States. With a speed as high as 211 mph, this model is a dream for every car lover.

9. Hennessey Venom GT – $1.1 Million
Available at a price of $1.1 million, Hennessey Venom GT is one of the fastest cars across the world. The car can reach a highest speed of 271 mph and has a twin turbo engine of 7 liter.

10. McLaren P1 – $1.5 Million
McLaren P1 comes at a price of $1.5 Million and is one of the most expensive cars in the world. The car represents style statement of every person it belongs to. 375 cars of this model has been manufactured and sold till now.

11. Maybach Exelero- $8 million
Maybach Exelero is available at a price of $8 million and is one of the most legendary cars known so far. The high priced vehicle is loved by a number of people across the globe.

Scuba diving in india

What is scuba diving?
Scuba diving is a technique of diving under the water in which a person makes use of underwater breathing appliance with the purpose of breathing underneath water. It is usually compressed air, that lets them to move free under the water. Scuba equipment comes in open circuit through which exhaled air is expelled into the surroundings. Carbon-di-oxide is removed by the scrubbing of breathing gas in the semi closed or closed circuit re breather. The oxygen used is restored from reservoir of feed gas before it is used for breathing again.
Scuba diving are enjoyed by a number of people as their hobby. On the other hand, many people enjoy it as a part of their profession. Scuba diving is done for professions like scientific, roles for public safety and military reasons.For commercial applications, scuba divers make use of surface diving appliances.

How a scuba diver moves?
 Scuba diving makes movement under the water with the use of fins which are attached to their feet. External propulsion are being provided by the diver propulsion vehicles. External propulsion are also being provided by sled which are being pulled from the surface. A dive mask is used for clear vision under water. A protective dive suit is used for controlling the float in the water. There are other special equipment which are used for different other purposes during diving.
Scuba divers are trained by highly experienced professionals who issue certifications on successful completion of their training. The scuba divers get trained in skills and procedures in accordance with the level of certification. In the standard operating procedures,the scuba divers are trained for using the equipment. This procedure is also used to deal with general risks in the environment under the water bodies. In the emergency procedures, the scuba divers are trained to help themselves and for assisting divers in danger.A least amount of health and fitness is important for most training organizations. On the other hand, higher level of fitness is required for various applications.


Applications of Scuba Diving
 Scuba diving has a wide number of applications in both professional and personal lives. Scuba diving are enjoyed in personal lives for the purpose of enjoyment and recreation. Recreational diving has a wide number of technical disciplines for increasing interest underwater. This includes cave diving, ice diving, wreck diving and deep diving. In professional areas, scuba diving are used for the purpose of military diving. These divers place or dispose mines under the water, to infilter behind the enemy lines. Scuba divers also help police investigation team for search, recovery and rescue missions.. Scuba divers also form an important part of fire department , live guard units and even paramedical services. Scuba divers also form an essential part of scientific diving which involve geology, underwater archaeology, hydrology, marine biology etc. There are professional scuba divers who perform documentation of underwater as underwater photographers and videographers, etc.

Scuba Diving in India
 It goes without saying that scuba diving is one of the best water sports. If you are planning for a scuba diving trip, you can visit Andaman and Nicobar islands, Goa, islands of Lakshadweep, Pondicherry and Karnataka.

Details of stem cell

What are stem cells ?
Stem cells refer to those undifferentiated mother cells of a multi cellular organism that give rise to more number of indefinite cells which are of similar type. From the stem cells, certain kinds of cell can arise by the process of differentiation. These cells have the ability to renew themselves of their own. The stem cells can be of blood, brain, heart,skin, bones, muscles etc.

Types of stem cells
Adult Stem cells
These stem cells are found in the tissues of adults. The most common example of adult stem cells is bone marrow. Bone marrow is known to be enriched in stem cells which in turn is used for the treatment of some deadly diseases including cancer.

PS Cells or Pluripotent Stem Cells:
These cells retain the power of dividing for longer period of time. The best popular type of PS stem cell is the one that is present in the embryos which supports the babies for growing and developing in the womb. They are also known as the embryonic stem cells. These cells are usually formed at the blastocyst stage of development.  Blastocysts refer to the hollow ball of cells which is smaller in size than pinheads. The embryonic stem cells stay wihin the blastocysts. Recent studies has revealed that PS stem cells can also be derived from skin cells of adult human being. These cells are known as ips or induced Pluripotent Stem Cells.

Fatal Stem Cells:
These cells are risen from the tissues of developing human fetus. These cells are also known as pregenitor cells. These cells are have similar kind of characteristics of the tissues from where they are derived. For instance, the ones that are taken from the fetal muscles are capable of making only muscle cells.

Importance of stem cells:
Stem cells are capable of developing into different types of cell in the body during their early life and growth. In a number of tissues, these cells act as a kind of internal repair system which are capable of dividing without limit for the replenishment of other cells till the person is alive. As the stem cells divides, each cell is capable of remaining as a stem cell or becoming another kind of cell which may have a specialized function
How stem cells were discovered:
The potentiality of stem cells were first discovered in the embryos of mouse from more than two decades from today. After years of extensive research, the potentiality of the stem cells were found out in the year of 1998. Scientists have discovered means for isolating stem cells from the embryos of human and growing those cells in the laboratory. such as brain cells, muscle cells etc.  In bone marrow and gut, the stem cells are capable of repairing and replacing damaged or worn out tissues by dividing themselves on a regular basis.


Tricks to reduce data usage in smart phone

Internet in smartphones is used for a number of purposes which include messaging, sending important emails, booking tickets, accessing Facebook and other social media profiles, watching videos and listening music. Data plans for internet usage have become really expensive. It is important that we should reduce the data usage so that the data does not get exceeded. Here are some tricks by which the usage of data on smartphones can be reduced:


1. Turning on data compression feature on the browser of Google Chrome:Smartphone users in general use chrome for browsing purposes. The chrome browser comes with a feature that helps in reducing consumption of data in a significant manner. Believe it or not, this feature can save the data up to 50 %. The browsing speed will increase significantly after making the said changes.

2. Downloading of Opera Max:
Opera used in the browser of Android can be used with the objective for compressing video. This feature is used for saving lot of data even if you watch videos more often than not. For setting it, it is required for downloading opera. After that, in the Data Savings part of settings, put a tick in the box that reads Video Compression. Apart from saving data, this feature also helps in loading videos at a faster rate than before.

3. Removing Facebook App:
Facebook is one of the most popular social media platforms used in these days. Hence every smartphone user downloads Facebook App which consumes lot of data. Replacing Facebook app with alternative apps helps to reduce lot of data. Facebook Lite is one such app which helps to reduce the consumption of data up to 50 percent.

4. Use of more offline games and apps:Apps that require consistent access to internet connection consume loads of data. Thus it is recommended to use more offline games and apps as this will reduce data consumption in a significant manner.

5. Restriction of background data:
The most convenient means of saving data is restriction of background data. Background data refers to the internet traffic  which keeps going even if you are not actually using any app. You can do the restriction of data by entering the data usage of settings of your smart phone. You can find restrict background data in in data usage section. You can also change the same by entering the settings of accounts of Google and then select the account and next to that, uncheck the apps which are no more needed to sync automatically.

6. Removing loads of data consuming apps from phone:
In the data usage part of Settings, you can get a list of apps which consume lot of data. You can take a list of those apps and limit or remove them which help to reduce the consumption of data in a significant way.

7. Making more use of Wi-fi Spots:
You can switch off the data connection and make use of internet more in open Wi-fi Networks.

8. No or less uploading, downloading, sending of videos and pictures:
A HD video in a smartphone can consume a data of up to 200 MB whereas a singular photo can exceed 40 MB. Hence it is recommended not to use data for the uploading, downloading , sending of videos and images.

Gokarna beach popular vacation spot in South India

Gokarna is one of the most popular vacation spots in South India. Located in the Kumta Taluk of Uttara Kannada district of Karnataka, Gokarna is a small town in the western coast of the country of India. The temple of Mahabaleshwar in Golkarna is the home to Atmalinga which Lord Shiva himself gave to Ravana. Gokarna is also counted among the seven centers for Hindu pilgrimage. A number of people plan for a vacation in this town.

Gokarna has derived its name from Gau and Karna which signifies the ear of cow. As per the Indian mythology, Lord Shiva has appeared from the ear of a cow next to which Lord Brahma sent him to Patal Lok. On the other hand, Gokarna has got its name from the combination of the rivers of Agnashini and Gangavali that signifies the shape of ear of a cow.

How to reach Gokarna:

If you are planning to go by air, you can travel by the nearest airport which is Dabolim in Goa. It is a drive of four hours in the southern direction to the town of Gokarna from Dabolim. On the other hand, trains on the railway station of Konkan stop at the station of Gokarna Road. The Gokarna Road station is 15 minutes from the town of Gokarna. You can also travel from the stations of Ankola and Kumta which are located at a distance of 25 kilometers from Gokarna town. You can also reach Gokarna with the aid of bus. Buses are available from cities of Mangalore, Madgaon in Goa and Bangalore in Karnataka.

Things to do in Gokarna:

Beaches are the primary attraction of Golkarana town. People chill in this place and get tanned for a number of days. The most famous beaches in this town include Paradise Beach, Kudle Beach, Halfmoon Beach and Om Beach. There are a lot of activities in which you can take part in on your vacation in Golkarna which include singing, late night partying. Bonfires, dreams and drums are an incredible part of nightlife of Gokarna and you can enjoy a lot in Gokarna by participating in these activities. Gokarna is also one of the most holy towns for Hindus in the southern part of India. You can pay a visit to Mahabaleshwar temple on a visit to Gokarna.

Places to stay:

There are a number of hotels where you can stay on a visit to Gokarna. If you are planning for a vacation with your family, you can opt for the home stay options. You can avail accommodation at Kudle and Om beach at any time you visit Golkarna. The hotels near Halfmoon and Paradise beaches are available only from the season of November to March.


Cloud computing

Cloud Computing, also known as Computing, refers to the process of accessing and storing the programs and data over the web instead of computer drive.  Hosted services are delivered over the internet by cloud computing. Cloud Computing are largely used by companies in these days. The applications based on cloud computing, also known as SaaS (software as a service ) generally run on distance computers in "cloud". These computers are operated and owned by others . These are connected to the users' computers with the help of a web browser or the internet. This internet-based computing is also known as on-demand computing.

Benefits of Cloud Computing:
Cloud computing offers several benefits for which they are highly preferred by the business in these days. The wide number of advantages of SaaS attract end users as well.
Computing Resources can be spin by end users for different kinds of workload on-demand. Cloud computing can be used for scaling up with the increase in computing. However as the demands reduce, companies can scale down with much ease with the help of cloud computing. The users need to pay only for the workloads and resources which they use, as they go for cloud computing.

Different kinds of Cloud Computing:
Cloud computing are generally of three kinds which include public, private and the hybrid.

Public Cloud Computing:
The public computing model involves a third party provider which delivers the services of the cloud over the internet. These public computing services are being sold on the demand, by the minute or hour typically. The best thing about the public computing is that the customers need to pay only for the storage or the CPU cycles or the bandwidth consumed by them. Some of the well known public computing service providers are IBM software layer, Google Compute Engine and Amazon Web Services.

Private  Cloud Computing:
Private Computing services are being delivered to the internal users from the data center of business. This model is known to be very convenient and versatile at the same time. This can also preserve management at the same time. The internal customers are sometimes charged and sometimes not for the services via IT charge back.

Hybrid Cloud Computing:
Private Computing and Public Computing are combined with orchestration to form the Hybrid Cloud Computing. If companies are running extremely critical loads of work, they use hybrid cloud computing. The hybrid cloud computing is also used for running sensitive applications on private cloud while public computing is used for the bursting workloads which must scale-on-demand. The main objective of hybrid cloud computing is creating a scale and automated environment. This takes the benefits of all those provided by public cloud infrastructure and maintaining control over the mission critical data at the same time.

What is hadoop?

Hadoop is an open source network which allows storing and processing of big data in the distributed environment of clusters of computers, by the use of simpler models of programming. This software is used for distributed and reliable computing. Hadoop is designed for scaling up from a singular server to thousand machines where each one offer storage and local computation at the same time. This open source software allows huge storage of different kinds of data. The network has immense processing power and can handle unlimited concurrent jobs and tasks in a virtual way.

Benefits of Hadoop:

Hadoop has a wide number of benefits for which people are preferring this network on an enormous scale in these days. Hadoop can process and store large quantities of data within a very short period of time. The distributing computing model of Hadoop can process big data very quickly. With the more number of computing nodes being used, you can have more processing power. There is no need to reprocess data before storing it in the databases.This makes it different from the traditional databases.

 Hadoop allows you to store huge number of data according to your needs. You can store unstructured data like images, videos, texts with the use of Hadoop. The best thing about Hadoop is that it provides protection of data and application against hardware failure. Thus once a node is down, jobs are directed in an automated way which ensures that the distributed computation does not fail. It stores different copies of all the data. The open source framework is absolutely free of cost. You can enlarge the system as well with the addition of more number of nodes. With a wide number of benefits, the usage of Hadoop is increasing for large scale data.

Difference of Hadoop from previous techniques:

Hadoop is much faster and has a cheaper database in comparison to the previous techniques. It is not required to structure the data with Hadoop. You can dump data into framework without reformatting the same. On the other hand, in traditional databases, data needs to be structured and schema needs to be defined before the storage of data. Hadoop has a simplified programming model by which users can write and test data much quickly in distributed systems. With Hadoop, distributed programs can be written much quickly. Hadoop can store data in more diverse formats in comparison to the columns and rows of traditional databases.

Hadoop is easier to administer in comparison to other traditional databases. Hadoop can also handle node failure and other job control issues in an invisible way. As a node fail, Hadoop makes sure that the computations are running on other nodes. It also ensures at the same time that the data stored on the failed node are recovered by the other nodes which makes it different from the traditional databases.
Hadoop can analyze and process huge amounts of unstructured and structured data at much lesser prices in comparison to other databases.

What is caveat petition?

In the applications of Caveat petition, requests are made to the court by people who has valid interests in cases related to a specific person and organizations' case. The application requests the court that no order should be passed against the concerned person or organization without giving you a prior notice. The caveat petition also states that the court should listen to your side of the story as well before giving the final verdict of the case. This petition is usually filed by people who have strong evidence against the specified person or organization. The petition remains valid only for a time period of 90 days. During these 90 days, if no case gets filed, it is mandatory that you should file a new and fresh caveat petition in the court. It is the section 148-A of the code of civil procedure that provides options for filing a caveat petition.

Objective of Caveat petition:

The caveat petitions are for protecting the interests of the person who filed the petition. The caveat helps in avoiding multiple number of proceedings. The petition also signifies that no ex-parte orders can be passed against the person who has lodged the petition of caveat. Thus this petition saves time of court as well.

Caveat Form:

There is no form that has been described by the caveat so far. The caveat needs to be filed in the form of a petition or an application to the court. The cause of action needs to be mentioned in the petition along with the name and full details of the opponent. A copy of the caveat is also needed to be sent to the opponent party before filing the same in court. The caveat can be filed only with the objective of opposing the person. A person or an organization cannot be supported by the caveat petition.

Gratuity explained in detail?

Gratuity is a lump sum collection of money which is being given to the employees by the employer of their company. The gratuity is provided to the employee while they leave their job or at the time of their retirement. This gratuity stands for the recognition of the service of the employees. Companies which have a population of more than 10 employees are eligible for providing gratuity to the employees. To be precise, it is mandate for these companies to pay gratuity to their employees. The amount of gratuity for an employee is calculated according to the basic salary and the time period of their service. The gratuity calculation varies from employee to employee.

Salary for the calculation of gratuity:
 Bonus, HRA, reimbursements , special allowances are never taken into account while calculating the gratuity.  Basic Salary and dearness allowance (if any) are the only components of your salary which are taken for the calculation of your gratuity amount. This contributes to be the reason why the basic salaries of employees are kept the lowest.

Time period of service for the payment of gratuity:
The amount of your gratuity payment increases with the more number of time period you spent in the company. However to become eligible to get the gratuity amount, it is mandatory that a employee has completed services in the organization for a time period of more than 4 years 6 months. The number of service years are taken approximately to the nearest figure while calculating gratuity. Thus if the employee has completed 6 years and 6 months in the company, the length of service for the calculation of gratuity will be 7 years.

Formula for the calculation of gratuity:
 The rules for gratuity states that you must be getting the salary of 15 days for each completed year. Thus as you complete 5 yars in the service, you should be getting the gratuity of one day salary*15*5. The number of days taken into account for calculating the salary would be 26 days, since the employees are having weekly offs as well. Thus the average working days of the employee while calculating the gratuity should not be more than 26 days. Hence one day salary is calculated by salary of a monh divided by 26.
So the formula for gratuity is
Gratuity = number of years *15/26*monthly salary


Places to visit in bangalore

The tech city of Bangalore is surrounded by a wide number of beautiful places where you can enjoy a vacation. There are also a number of places where you can plan a small trip. If you are planning for a holiday trip , you can visit these places:

 Also known as the coffee district of Karnataka, Chikmagalur is located in the Baba Budan Hills. The place is located at a distance of 280 kms from Bangalore. The beautiful valleys, the serene beauty of nature , the stunning hills will make you fall in love with the place. This place is also ideal for those who love trekking.

 Gokarna is one of the most beautiful beaches in Karnataka. The beautiful coastlines of the region are well liked by travelers. Some of the coasts in the region includes Kudle Beach, Paradise Beach, Om Beach, Nirvana Beach. The region is also known for Lord Shiva temple.

Hogenakal Waterfall
 Situated at a distance of 180 km from the city of Bangalore, the Hogenakka fall is a famous holiday destination spot. Flowing on the Kaveri river, it is also known as the Niagara of India. People visit this place for having medicinal baths. The best time for visiting this place is from December to February.

 Located at a distance of 223 kms from Bangalore city, you can enjoy a beautiful trip in the region. The natural beauty of this place is highly loved by the travelers. The waterfalls, lush green grasslands, beautiful mountains attract visitors in this place. You can also go for a trekking in Ombattu Gudda.

 Located at a distance of 276 km from Bangalore, Coorg is one of the most popular weekend gateways around Bangalore. The peaceful atmosphere, the natural beauty of the place, the beautiful hills, lakes makes Coorg an ideal place for vacation. You can also enjoy trekking on a visit to this place. You can also take part in different activities which include paintball, ATV rides, dirt biking.

Shivanasamudra Waterfalls
 Located at 135 km distance from Bangalore, the Shivanasamudra Waterfalls have formed out of the River Kavery. With serene natural beauty, this place is really ideal for sightseeing. You can also enjoy trekking on a visit to this place.

 Nandi Hills
 Located at a distance of 60 km from the tech city of Bangalore, Nandi Hills is at a height of 1479 meters. The natural beauty of this place provides fantastic sightseeing opportunities. The place is also great for trekking.

 Ooty is one of the most popular hill stations in South India. It is also an ideal honeymoon destination. The greenery, natural beauty, wild life is really beautiful. You can go for cycling, boating on a visit to this place.

 Located at a distance of 265 km from Bangalore, Wayanad is well known for its serene beauty. The fantastic green forests, waterfalls, wild life is really beautiful. Situated in the Western Ghats, you can enjoy time in the peace of nature. You can also participate in various activities sch as paintball, jumaring, high rope traversing, raft building, kayaking, etc.

What is EI Nino Effect?

EI Nino Effect causes a drastic change in the weather conditions across the globe

What is EI Nino Effect
 El Nino is a cycle of climate on the Pacific ocean which has an impact on the weather pattern on a global basis.When warm water from the western pacific Oceans starts flowing in the eastern direction, this weather phenomenon occurs. The normal trade wind reverses or weakens which causes the warm water in the western Pacific ocean to flow in the east. The cool water that is found near the Eastern Pacific, is then displaced by the warm water. This results in changes in atmosphere which as a result affects the weather conditions across the globe.

When EI Nino Occurs
 The EI Nino does not occur every year. It occurs in every 2 to 7 years. There occurs an increase of temperature of 0.5 C or 0.9 F in the eastern Pacific ocean water near the equatorial region which results in the EI Nino effect. La Nina is the reverse phenomenon of EI Nino when the eastern Pacific Ocean becomes cooler than the temperature around the equator.

Effects of Nino Effect
 The effects of EI Nino effect are really strong and can result in drastic changes in the weather conditions across the globe.

Tropical Cyclones
 Tropical Cyclones occur on the sub tropical ridge side around the equator. It then moves towards the ridge axis after which it enters the main belt of Westerlies. The areas near Western side of Korea and Japan experiences fewer tropical cyclones during the time of September to November. During the occurence of EI Nino, the break in the subtropical ridge lies near 130 degree, thereby favoring the Japanese archipelago. 

Influence on the tropical Atlantic Ocean
 Studies reveal that EI Nino effect which occurs in the equatorial Pacific causes warm climate. The easterly trade winds in the region of western equatorial Atlantic is strengthened by the Atlantic Walker circulation over Southern America. This results in unusual cooling of the eastern equatorial Atlantic climate in the seasons of summer and spring, thereby resulting in EI Nino in the winter season.

 EI Nino conditions also cause high pressure anomalies in Bellingshausen Seas, Ammundsen. This results in the reduction of sea ice and hence increased heat in these areas. On the other hand, the Weddell Sea tends to become cooler due to excessive sea ice. Thus opposite heat and atmospheric pressure anomalies occur during the reverse La Nina effect.


What is provident fund (PF)

Provident Fund , abbreviated as PF, is an employee fund where employees contribute a part of their salaries and employers contribute a part as well for their employees. In general, 12 % of your basic salary is contributed by the employee and an equal amount is contributed by employer as well. This is a mandatory retirement saving which is managed by the Government of India. This fund is for the benefits of the citizens of India and acts as pension fund. The fund is paid out to those who retire and in cases to the disabled.

Early PF With drawl is not a very good idea
 PF is an employee fund where you build money slowly but steadily for ensuring the right flow of money during your old age. The rate of interest is 8.75% which is completely tax free if you withdraw the money after 5 years of opening the PF account. In case you are switching your job, you can transfer PF instead of withdrawing the amount.

Procedures to withdraw PF through Employer
 In this process, you can visit the HR of the employer along with a copy of blank cheque. Form 19 and 10C will be handed over to you by the HR. As you submit the forms to HR after filling them up, the form will be attested and send by the the HR to the regional PF office. The PF office will take a time period of one month for processing the application form. The PF amount is then directly transferred to your account by The Employees' Provident Fund Organization (EPFO).

Procedures to withdraw PF without involvement of Employer
 The Employees' Provident Fund Organization (EPFO) has taken various steps so that citizens can withdraw their PF amount without any unwanted delays. In accordance with EPFO, details of Pan Card, Bank Account Number , Aadhaar card is linked to the Universal Account Number (UAN) of your PF account. Once the KYC (Know Your Customer) details are verified by the employer, you can directly withdraw the PF amount using UAN.  The employee does not need to contact the employer any more for withdrawing their PF money. You can provide your UAN, phone number, address as your basic details and a cancelled cheque of bank account to the EPFO. Submit these documents with signature and you will get your PF immediately. The amount will be transferred to your bank account on the basis of KYC details , submitted by employer.
This method is really useful in case if the employee is not being able to contact the previous employer.

In February, rules were set which stated that employees cannot withdraw their PF amount before they turn 58. However , after receiving several letters from different trade unions, new protocols have been set that with drawl of PF money can be done for the purpose of education, housing, medical treatment etc. The new regulations for PF will be effective from August this year.

Snow places in india

There are many places in the country of India where snow falls occur all the year round. You can enjoy a perfect vacation with your family and friends in these places. Plan a trip in these places and enjoy a refreshing trip in this summer season.

Here is a list of those places where snow fall occurs all the year round:

Pahalgam in Jammu and Kashmir
 Also known as the Heaven on Earth, this place is full of snow throughout the year. Pahalgam is located at a height of 8,957 ft above the sea level. This place is known to be the most beautiful place in India. The wonderful location of the riverside, peaks capped with snow is loved by travelers.The chilling weather conditions here make this place the best for a summer vacation.

Shimla in Himachal Pradesh
 Shimla, the capital of Himachal Pradesh is an excellent place to enjoy an eventful trip. Mid December is the perfect time to visit this place. The place is all covered with sheet of white snow during this time of the year. From Shimla, you can visit the places of Manali, Naldehra and Kurfi.

Auli in Uttarakhand
Located  in Uttarakhand, Auli is one of the snow fall regions that looks like a dreamland. The lofty peaks and the beautiful forests offer a serene beauty to the travellers. The altitude of 2500 to 3000 meters make it the most beautiful snow destination in the country.

Gulmarg in Jammu and Kashmir
 Gulmarg is a well known snow place in Kashmir and people all over the world travel to have a good time in the beautiful valleys of Gulmarg. The snowy peaks , the beautiful varieties of flowers, the icy winds increase the beauty of the place.

Manali in Himachal Pradesh
 Manali is a beautiful hill station in Himachal Pradesh. Located near Kullu Valley, this beautiful hill station witnesses heavy snow falls during the winter season. You can take part in different recreational activities, including skating, Mountain Biking, skating, paragliding during your visit to Manali.

Mussoorie in Uttarakhand
Also known as the Queen of Hills, Mussoorie is situated at an altitude of 6,170 ft . Along with heavy snowfall, the place offers panoramic views of Doon Valley . The serene beauty of this place attracts a wide number of tourists every year.

Nainital in Uttarakhand
Located at a height of 2,084 m, Nainital is the most beautiful hill station of Uttarakhand. Located in the Kumaon foothills of Himalayas, Nainital offers a number of great places to visit which inlcude Nainital Lake, Snow View, Naini Devi Temple and Naini Peak. The mountains of Ayarpatha, Deopatha and Naina increases the beauty of this place.

Tawang in Arunachal Pradesh
 Located in the state of  Arunachal Pradesh, Tawang is the most beautiful hill stations in the country. The place is covered heavily with snow during the winter season. You can participate  in various recreational activities during your visit to Tawang.

 Located in the state of Darjeeling, this place is famous across the country for its breath taking beauty. Plan a trip to Darjeeling during the time of December to February to enjoy the most beautiful snow in the country.


Natural wonder belum caves in india

Belum Caves is situated in the Kurnool District of Andhra Pradesh. The caves has a length of 3229 meters and thus it is known to be the second largest cave in the subcontinent of India. Planning a vacation in these caves can provide you a unique travel experience. The AP Tourism has developed and maintained these caves in a beautiful manner. These caves have spacious chambers and long passages along with siphons and fresh water galleries. The deepest point of the cave, also known as Pataalaganga is located at 129 feet from the entrance level.


The Belum Caves is a natural underground cave which has been formed by the regular flow of underground water. The caves have derived their name from "Bilum", which is the sanskrit name for caves. The caves are known as Belum Guhalu in Telegu language. They have their names first mentioned in the year of 1984 in the expedition report of Robert Bruce Foote. After that, the caves were overlooked for a longer time. It was almost after a century when Herbert Daniel Gebauer along with his German team performed exploration of the caves in details in the year of 1982 and 1983.

 The Belum Caves are situated at 30 km distance from the region of Tadipathri on Banaganapalli route. The nearest village , Kolimigundla is located at a distance of 3km from the caves. Located in the District of Kurnool, these caves are 65 km away from Gooty. 

How to Reach :
Buses and trains are available to reach these caves. The nearest bus stand to these caves is Tadipathri , located at a distance of 30 km. Buses are available frequently from Bangalore and Hyderabad to Tadipathri. Regular trains are also available from Hyderabad to Tadipathri. You can catch an auto or bus from Tadipathri which goes to Banaganapalli and get down at the Belum caves. You can also catch an auto going to Kolimigundla . From this place, you can get an auto for going to belum caves.

Place to Stay: 
Tadipathri is the right place to stay if you are planning for a visit to Belum caves. Tadipathri does not have any luxury hotels though a resort is run by AP tourism near the caves. However the resort is almost like a dormitory and hence not recommended for families.

Places to Eat: 
APTDC Haritha Hotel , situated in the premises of Belum Caves offers the best food in the region. Apart from this, there are no other good places to eat near the caves. You can however find some good restaurants in the region of Tadipathri. You can find snacks from a shop near the ticket counter. Do not forget to carry a huge number of water bottles on a visit to the caves.
Places to visit in Belum Caves: 

Banayan Tree, Paatalaganga, Meditation Hall, Saint's bed, Kotilingalu, Thousand hoods are some of the places to visit in Belum caves. The beautiful lines along the walls of the cave and the pit holes on the ceiling are really great to see while visiting these caves.


Biggest festival in india

What is Kumbh Mela ?
Kumbh Mela is a riverside festival which is being celebrated after every twelve years. This religious fair is a Hindu pilgrimage of belief where devotees assemble for bathing in the holy water of Kushavartha Teerth. The Mela is celebrated alternately between Haridwar, Allahabad, Nisak and Ujjain. The number of pilgrims attending this spirital fair every year is certainly going to boggle your mind. Believe or not, more than 12 crore people from all corners of the world travel for attending this fair. The fair has attained immense fame across the world owing to the tremendous faith of people. It is believed that the zodaic positions of the Moon, the Jupiter and the Sun are combined to determine the date of this mela.
Significance of Kumbh Mela
 It is believed that bathing in the river during the mela purifies a person by removing all his sins. Thus bathing in the sacred river body abduct the past karmas of the devotees and thus they redeem themselves from the cycle of life and death. People travel long distances and undergo enormous pain for availing the boons of bathing in the holy river. This mela also brings all human beings together as a wide number of people join this fair irrespective of caste, color and creed.

Mythological origin
In accordance with the Hindu Mythology, the festival has its origin during the Samudra manthan.As Legends say, the  samudra manthan is a battle between the Asuras (Evil power) and Devas (Gods) fot Amrita, which was considered to be the Drink of immortality. The amrita which was produced during the churning of the ocean, popularly known as Samundra Manthan , was placed in a Kumbha or pot. A divine power flew away with the Kumbha with an eye to prevent the asuras to drink the Amrita. It is believed that the divine carrier stops at the four places where the Mela is being celebrated.