जब यी अरबपतिहरुले आफ्नो यात्रा सुरु गरे, कति जना त तपाईं हामी भन्दा गरिब थिए। आउनुस् अरबपतिहरुको सचित्र बर्णन हेरौं ।।
Sunday, April 28, 2013
अरबपति बन्न के गर्नु पर्छ ...............................
जब यी अरबपतिहरुले आफ्नो यात्रा सुरु गरे, कति जना त तपाईं हामी भन्दा गरिब थिए। आउनुस् अरबपतिहरुको सचित्र बर्णन हेरौं ।।
10 Most Common Dreams and Their Meanings
Dreams are your companion when you sleep. They say, if you do not dream, you are missing on imagination. Plus, science says, the more you dream, the better it is. According to some positive thinkers, one should dream big to achieve big. Well, believe it or not, most of the people in the world dream a lot.
But, dreams vary with your mood, state of mind, your psyche, and much more. Why is it that I always see someone chasing me and why is that my friend always feels he is falling continuously. Well, I am talking about the type of dreams people usually see. They say that every dream has a meaning attached to it! Today, I bring you 10 of the most common dreams and their respective meanings. Connect yourself, if you can!
1. Being Chased
If you often dream that someone is chasing you, it means that your subconscious mind is indicating that you have been avoiding something/someone that is painful or frightening to you. Going deeper into the dream, what matters more is who is chasing you and what is your relationship with that person. Do you know that person?
2. Falling
It is one of the most common dreams people have reported – falling and falling and continuing to call. It could possibly mean that things are not going right in your life. According to some specialists, it could also be an indication from your subconscious mind that something in your life is going in a terribly wrong direction. More or less, people suffering from depression have reported falling in their dreams.
3. Losing Teeth
Specialists say that losing teeth could indicate loss in confidence. It could also mean that you are worried about your outlook and are concerned about a particular feature of your body.
4. Dying
A lot of people report seeing themselves (or their close relatives) dead in their dreams. A lot of dream interpreters say that death in dream could symbolize a new start or spiritual transformation. Seeing someone close as dead in dream could mean that you are parting ways with that person emotionally.
5. Water
Dreaming about water is considered good by some experts, as it symbolizes purification, change, and transformation of life. Going deeper into this, what decides further interpretation is whether you’ve seen a big water body, flowing river, waterfall, whether you are offer/receiving water, etc.
6. Being Cheated On
The best and the worst thing about dreams is that they are involuntary; so, you can actually dream almost anything! Dreams can express what is inside your mind. If you have dreamt about your partner cheating on you, don’t worry! Experts say that it can happen out of jealousy and you should not take such dreams seriously. Instead, you need to spend more time with each other!
7. Snakes
A lot of people have reported seeing snakes in their dreams. Experts say that it could symbolize a hidden threat that you need to take care of. If you see snake shedding its skin, it could mean renewal or a new start.
8. Being Late
Students often dream that they have run late to take their vital exam; office-goers often seem themselves as reaching late to office! Such a dream could indicate your anxiousness about your work or what you are about to come across in the near future (in terms of work).
9. Can’t Shout
People have reported dreams where they find themselves as mute. They say that they want to shout and raise an alarm, but they are unable to (in their dream). Such a dream could indicate that you are not able to express fully and something is stopping you to achieve your goals. One should take such a dream seriously and start working towards his/her goals. Even if you haven’t experienced such a dream, you ought to move towards your goals, unstoppably!
10. Celebrity
People often report seeing themselves as a celebrity in dreams. They also see themselves performing on stage and surrounded by people. These dreams could be result of watching excess of television and excessive use of internet. The idea is that when you go to bed with a pre-occupied mind, you dream accordingly!
source:simplytop10.com
Have you ever experienced any of the above dream ?
Tuesday, April 23, 2013
Sony smartphones make formal entry into Nepal
During the ceremony, Nepa Hima Trade Link also announced the launching of five smartphone models from Sony —Xperia Z, Xperia Go, Xperia J, Xperia E and Xperia E dual. Company’s Executive Director Rajesh Tuladhar unveiled the handsets amid a programme in the Capital.
“We are pleased to introduce smartphones from Sony in Nepal market,” Tuladhar said. “The official entry of the Xperia series of smart phones will add a milestone to the smartphone market of Nepal”. Explaining that nine out of 10 cell phones, globally, are damaged due to water, Tuladhar informed that the Xperia Z and Xperia Go are water resistant and dust proof, and thus would cater to a large number of smartphone seekers. “Users of these phones need not worry about using it with wet hands or in dusty conditions,” he added.
Highlighting the key features of Z series of smartphones, Masao Matsui of Sony said that the new phones have assembled half a century of innovation carried out by other Sony devices such as TVs, cameras, music systems and gaming devices to create a super phone experience that truly stands out. “The newly introduced Z series of smartphones have become a global success. And in Nepal too, we will cooperate with Nepa Hima to make it a success,” he added.
The Sony Xperia Z features a five inch full HD 1080p reality display screen with a mobile Bravia Engine 2. The device which runs on Android Ice Cream Sandwich Operating System (OS) features a snapdragon S4 pro quad-core processor. For better image, it has got a 13-mega-pixel fast capture camera. Likewise, battery stamina mode is another interesting feature of the device which increases the cell phone’s standby time by more than four times.
People can broadcast content from smartphone to Smart TVs through Wi-Fi connection, or send tunes to speaker through Bluetooth. The device’s ‘Throw’ technology enables the smartphone to connect wirelessly to other devices.
The other device to be unveiled at the event is Xperia J, which is powered by Android Ice Cream Sandwich OS and one GHz processor. Along with four-inch display, it features a five mega-pixel camera along with LED flash. Xperia Go water and dust resistance phone offers the same OS, processing unit and camera. However, at 3.2 inches its screen size is smaller compared to other Xperia models. The dual SIM device from Sony , Xperia E (GSM+GSM) and the other featuring single SIM slot, Xperia E too are powered by the Ice Cream Sandwich
OS, one GHz processor and 3.2 mega-pixel camera.
Nepa Hima has priced Xperia Z at Rs 66, 999, Xperia Go at Rs 24, 499, Xperia J at Rs 24, 999, Xperia E at Rs 15, 499 and E Dual at Rs 17, 499. The devices come with a one-year warranty in software, hardware and six-month warranty in battery.
source: ekantipur.com
Saturday, April 20, 2013
Govt plans loan interest discount for farmers
The Ministry of Agriculture Development is preparing to introduce the ‘Interest Subvention Scheme’ under which it will provide three percent discount to farmers on interest on loans taken from state-owned banks. The scheme will, however, be applicable only to loans that are taken after the scheme’s implemention.
The ministry has prepared guidelines in this regard based on the provision of the recently introduced ‘Adjusted Full Budget’ by the government. The budget has talked about providing interest subsidy to commercial agriculture too, which is currently being provided to commercial animal farming only. “We have sent the guidelines to the Finance Ministry for approval,” said Prabhakar Pathak, spokesperson of the ministry.
The agriculture sector received 7.98 percent of the total lending made by banks and financial institutions (BFIs) during the first eight months of the current fiscal year, according to Nepal Rastra Bank. The BFIs lent Rs 8.89 billion out of the total lending of Rs 111.38 billion. A total of Rs 28.79 billion was lent to the agriculture sector in the last fiscal year 2011-12.
Meanwhile, the ministry has enacted two other guidelines to promote farm mechanisation and farm insurance in a bid to boost farm production and encourage youths’ participation in the sector. “All three guidelines have been sent to the finance ministry,” Pathak said, adding, “after we receive the go-ahead, these guidelines will be sent to the Cabinet for final approval.” The ministry has proposed blanket VAT waiver on import of farm machineries.
Likewise, to encourage farmers to opt for crop insurance, the agriculture ministry has proposed 50 percent discount on insurance premium as announced through the budget. The budget has promised subsidising 50 percent premium amount that the farmers have to pay to the insurers. The government had introduced ‘Fisheries, Poultry and Agriculture Insurance Scheme’ on January 14, 2013.
“The budget has allocated Rs 20 million for this purpose,” said Pathak. The scheme aims to minimise the risk in commercialisation of agriculture sector investment and ensure the investment by farmers and ensure security in the investment made by the farmers.
Meanwhile, Minister for Agriculture Development Tek Bahadur Thapa Gharti said on Saturday that the government is mulling setting up an ‘Agriculture Departmental Store’ which will make agriculture goods available to consumers, while farmers will be able to sell their produce to it.
He also said the government is doing homework to take the ownership of the Agriculture Development Strategy (ADS) that will be completed by this April. According to Gharti, they will make arrangements for a farm scheme and subsidy to ensure better farm productivity as recommended by the ADS.
The ministry has prepared guidelines in this regard based on the provision of the recently introduced ‘Adjusted Full Budget’ by the government. The budget has talked about providing interest subsidy to commercial agriculture too, which is currently being provided to commercial animal farming only. “We have sent the guidelines to the Finance Ministry for approval,” said Prabhakar Pathak, spokesperson of the ministry.
The agriculture sector received 7.98 percent of the total lending made by banks and financial institutions (BFIs) during the first eight months of the current fiscal year, according to Nepal Rastra Bank. The BFIs lent Rs 8.89 billion out of the total lending of Rs 111.38 billion. A total of Rs 28.79 billion was lent to the agriculture sector in the last fiscal year 2011-12.
Meanwhile, the ministry has enacted two other guidelines to promote farm mechanisation and farm insurance in a bid to boost farm production and encourage youths’ participation in the sector. “All three guidelines have been sent to the finance ministry,” Pathak said, adding, “after we receive the go-ahead, these guidelines will be sent to the Cabinet for final approval.” The ministry has proposed blanket VAT waiver on import of farm machineries.
Likewise, to encourage farmers to opt for crop insurance, the agriculture ministry has proposed 50 percent discount on insurance premium as announced through the budget. The budget has promised subsidising 50 percent premium amount that the farmers have to pay to the insurers. The government had introduced ‘Fisheries, Poultry and Agriculture Insurance Scheme’ on January 14, 2013.
“The budget has allocated Rs 20 million for this purpose,” said Pathak. The scheme aims to minimise the risk in commercialisation of agriculture sector investment and ensure the investment by farmers and ensure security in the investment made by the farmers.
Meanwhile, Minister for Agriculture Development Tek Bahadur Thapa Gharti said on Saturday that the government is mulling setting up an ‘Agriculture Departmental Store’ which will make agriculture goods available to consumers, while farmers will be able to sell their produce to it.
He also said the government is doing homework to take the ownership of the Agriculture Development Strategy (ADS) that will be completed by this April. According to Gharti, they will make arrangements for a farm scheme and subsidy to ensure better farm productivity as recommended by the ADS.
Source: The Kathmandu Post
Thursday, April 18, 2013
Either become a banker or a businessman, not both: Guv
Nepal Rastra Bank ( NRB ) Governor Yuva Raj Khatiwada on Thursday advised bank directors “either to become a banker or a businessman”, saying their dual role has been “self-contradictory”.
First the directors complain about liquidity crunch and say interest rates cannot be slashed, but the same directors, presenting themselves as businessmen the next day, complain about higher interest rates, the governor said. “It is not necessary for a businessman to become a banker. It is better they part ways,” he suggested while addressing the “National Directors Conference” organised by National Banking Training Institute.
Traditionally, proprietors of business houses hold crucial positions like chairman and board members in banks and financial institutions (BFIs) they have promoted. Against this backdrop, the governor said it is not necessary that the one putting in money should hold positions on the board. He suggested appointment of professional and capable persons on the board so as to maximise profits.
Indicating most of the bank directors lack adequate banking knowledge, Khatiwada said many promoters have an illusion that they are the “masters of their banks”. “You must get out of the illusion that the company is yours,” he told the
directors. “Promoters have the mindset that why they can’t get loans from banks they have
promoted.”
The governor suggested bankers to study the existing laws which clearly define the roles and responsibilities of the board and the management. The Bank and Financial Institution Act has barred board members and promoters having more than 1 percent stake in a particular BFI from taking loans from the same BFI. He asked the bankers to understand that banks are not only their possessions, but also of employees and the society at large.
The governor flayed bank directors’ tendency to ‘lobby’ for allowing them to sanction loans to a certain interest group even if the loan seekers are not eligible. He also hit out at promoters working as employees. “The practice of taking two benefits — bonus as an employee and dividend as an investor — must end,” Khatiwada said.
Governor Khatiwada stressed on check-and-balance between the board and the management. “The situation of board members complaining about the CEO and the CEO complaining about the board must end,’ he said.
Asking bank directors not only to focus on making profits, the governor said: “Banking is not a business in which profit can be magnified within a short period, but by offering good services to customers.”
He requested BFIs to maintain strong internal control mechanism to minimise operational risks. Risks at operational levels have emerged as a big challenge in the banking sector. This is evident with recent incidents of unauthorised withdrawals from ATMs in collusion of bank staff.
Deputy Governor Mahaprasad Adhikari said BFI boards should not intervene much in day-to-day operation. “The best corporate practice can help increase the management’s efficiency without making any intervention in their daily functioning,” he said.
Adhikari added the board should hand over the job of devising strategic plans to the management and only take up the job of forming guidelines and giving necessary approvals to plans presented by the management.
First the directors complain about liquidity crunch and say interest rates cannot be slashed, but the same directors, presenting themselves as businessmen the next day, complain about higher interest rates, the governor said. “It is not necessary for a businessman to become a banker. It is better they part ways,” he suggested while addressing the “National Directors Conference” organised by National Banking Training Institute.
Traditionally, proprietors of business houses hold crucial positions like chairman and board members in banks and financial institutions (BFIs) they have promoted. Against this backdrop, the governor said it is not necessary that the one putting in money should hold positions on the board. He suggested appointment of professional and capable persons on the board so as to maximise profits.
Indicating most of the bank directors lack adequate banking knowledge, Khatiwada said many promoters have an illusion that they are the “masters of their banks”. “You must get out of the illusion that the company is yours,” he told the
directors. “Promoters have the mindset that why they can’t get loans from banks they have
promoted.”
The governor suggested bankers to study the existing laws which clearly define the roles and responsibilities of the board and the management. The Bank and Financial Institution Act has barred board members and promoters having more than 1 percent stake in a particular BFI from taking loans from the same BFI. He asked the bankers to understand that banks are not only their possessions, but also of employees and the society at large.
The governor flayed bank directors’ tendency to ‘lobby’ for allowing them to sanction loans to a certain interest group even if the loan seekers are not eligible. He also hit out at promoters working as employees. “The practice of taking two benefits — bonus as an employee and dividend as an investor — must end,” Khatiwada said.
Governor Khatiwada stressed on check-and-balance between the board and the management. “The situation of board members complaining about the CEO and the CEO complaining about the board must end,’ he said.
Asking bank directors not only to focus on making profits, the governor said: “Banking is not a business in which profit can be magnified within a short period, but by offering good services to customers.”
He requested BFIs to maintain strong internal control mechanism to minimise operational risks. Risks at operational levels have emerged as a big challenge in the banking sector. This is evident with recent incidents of unauthorised withdrawals from ATMs in collusion of bank staff.
Deputy Governor Mahaprasad Adhikari said BFI boards should not intervene much in day-to-day operation. “The best corporate practice can help increase the management’s efficiency without making any intervention in their daily functioning,” he said.
Adhikari added the board should hand over the job of devising strategic plans to the management and only take up the job of forming guidelines and giving necessary approvals to plans presented by the management.
Source: The Kathmandu Post
Monday, April 15, 2013
4 Predictions for the Next 40 Years in Mobile
It is a remarkable 40 years since Motorola researcher Martin Cooper called his Bell Labs rival from New York in 1973 using the DynaTAC handheld phone and, in doing so, making what is widely acknowledged as the world's first public mobile phone call.
At nine inches tall the DynaTAC was handheld in the loosest possible terms, weighing the same as one and a half bags of sugar and would have cost consumers the equivalent of nearly $10,000 in today's money. It's worth reading this copy of the original Motorola press release.
So what will the next 40 years of mobile communications hold in store for us? Here are just four of the innovations I predict we will see.
1. Beyond touch
For years the BlackBerry QWERTY keyboard was seen as the most effective and productive way of using a mobile device for text-based tasks such as email and editing documents on the go. Apple's touchscreen iPhone with a virtual keyboard and swipe gestures changed all that and now we are starting to see even more innovation around controlling devices through eye-scrolling and gesture control as seen with Samsung's Galaxy S4 and the Google Glass prototype. Also, check out the Myo gesture control armband (https://getmyo.com/) which is shipping at the end of this year.
For years the BlackBerry QWERTY keyboard was seen as the most effective and productive way of using a mobile device for text-based tasks such as email and editing documents on the go. Apple's touchscreen iPhone with a virtual keyboard and swipe gestures changed all that and now we are starting to see even more innovation around controlling devices through eye-scrolling and gesture control as seen with Samsung's Galaxy S4 and the Google Glass prototype. Also, check out the Myo gesture control armband (https://getmyo.com/) which is shipping at the end of this year.
2. More video and data
In the early years of consumer mobile phone development, size mattered and the market produced ever smaller and lighter devices. With the arrival of the internet, 3G (and now 4G) combined with cheaper and more compact processing power the phones (and screens) got bigger and smarter. As high-speed connectivity becomes ever more ubiquitous the screen is once again becoming more important as we do more video-based tasks and consume entertainment on our devices. Indeed the GSMA predicts data will overtake voice revenues in mobile within the next five years.
In the early years of consumer mobile phone development, size mattered and the market produced ever smaller and lighter devices. With the arrival of the internet, 3G (and now 4G) combined with cheaper and more compact processing power the phones (and screens) got bigger and smarter. As high-speed connectivity becomes ever more ubiquitous the screen is once again becoming more important as we do more video-based tasks and consume entertainment on our devices. Indeed the GSMA predicts data will overtake voice revenues in mobile within the next five years.
3. Machine-to-Machine (M2M)
Previously 'dumb' everyday devices and sensors will become increasingly connected to the vast web we call the internet of things. Almost everything will have the capacity to become 'smart' and this will lead to a revolution in work and society as wearable devices monitor our health, cars become smarter and more efficient and intelligent city ecosystems become interconnected.
Previously 'dumb' everyday devices and sensors will become increasingly connected to the vast web we call the internet of things. Almost everything will have the capacity to become 'smart' and this will lead to a revolution in work and society as wearable devices monitor our health, cars become smarter and more efficient and intelligent city ecosystems become interconnected.
4. Graphene and new mobile form factors
The developments around graphene in particular are hugely exciting. Not only is graphene the thinnest material ever made (it's one atom thick), it's incredibly strong (300-times stronger than steel), flexible and a better conductor than copper. We are already starting to see some early prototype development around bendable and flexible super-thin mobile phones. I believe we've barely scratched the surface of what might be possible in this field, not only for mobile but wider computing and engineering.
The developments around graphene in particular are hugely exciting. Not only is graphene the thinnest material ever made (it's one atom thick), it's incredibly strong (300-times stronger than steel), flexible and a better conductor than copper. We are already starting to see some early prototype development around bendable and flexible super-thin mobile phones. I believe we've barely scratched the surface of what might be possible in this field, not only for mobile but wider computing and engineering.
Forty years since that first mobile call the telecoms industry is worth £800billion a year, there are almost 7 billion connected devices and the number of mobile devices is predicted to outstrip the number of people on our planet this year
By: Olaf Swantee
राजनीतिक नेतृत्वलाई १२ प्रश्न !
अनिल शाह
मलाई अझै पनि हाम्रा मूख्य राजनीतिक दलहरुले समहतिको यात्राको शुरुवात गर्ने भनी हस्ताक्षर गरेको १२ बुँदे सम्झौताको दिनको सम्झना छ, जसले मुलुकले सहि दिशा लिने र मुलुकमा समानता र कामको अवसरको लागि उपयुत्तः बातावरण निर्माण गर्ने नयां संविधान जारी गर्नेछ भन्ने विश्वास जनमानसमा थियो ।
१२ बुँदे समझदारीको केहि बर्ष र अरबौंं रुपैयाँको खर्चपछि आज हामीलाई नेतृत्व गर्ने दलहरुमा हामीले आपसी विश्वासको गहिरो संकट पाएका छौं । अहिलेको अवस्थामा मूख्य राजनीतिक दलका नेतृत्व वर्गले मित्रराष्ट्रका ८९ बषिर्य राष्ट्रपतिका सद्भावपूर्ण स्पन्दनको प्रयोग गरी असारबाट सारेर मंसिरमा चुनाव गर्न सकिने नसकिने अवस्था कस्तो रहन्छ भन्ने बुझ्न पनि आवश्यक भएको छ । १२ बुँदे सम्झौताबाट मुलुकको वर्तमान अवस्थासम्म हामीले के शिक्षा लियौं भन्दा पनि अब हामीले अग्रगामी दृष्टिकोण राखेर हेर्नु पर्छ भन्ने मेरो बुझाई हो । मलाई लाग्छ, हाम्रा नेतृत्व पंक्तिले पनि १२ बुँदे सम्झौतादेखि हालसम्मका उपलब्धिविहीन बर्षहरु पार गर्दा निकै शिक्षा लिएका छन ।
मलाई निर्वाचनको पूर्व सन्ध्यामा हामी ठीकठीक मुद्दाहरुलाई उठाउने तर्फ ध्यान केन्दि्रत गर्दै राजनीतिक नेतृत्व वर्गमा केही प्रश्नहरु राख्नु पर्छ भन्ने लाग्दछ, ता कि विगतका गल्तिहरु पुनः दोहोरिन नपाउन् । यद्यपी राजनीतिमा सक्रिय अधिकांशलाई अवको निर्वाचन २०७० को असारमा या मंसिरमा हुनेछ भन्ने महत्वपूर्ण सवाल हो भन्ने लाग्ला, तर यो हाम्रोलागि महत्वूर्ण प्रश्न होइन । हो, सकेसम्म छिटो स्वतन्त्र र निष्पक्ष निर्वाचन हाम्रो लागि महत्वपूर्ण छ तर, विगत बर्षहरुको अनुभवबाट मलाई नेपाली जनताहरु कुनै नेतालाई वा कुनै दलको चुनाव चिन्हलाई मात्रै हेरेर संविधान निर्माण र जनताको भावना र चाहनाको प्रतिनिधित्व हुने सरकार निर्माण गर्न मात्रै आफ्नो मतको प्रयोग गर्दैनन् जस्तो लाग्छ ।
म जस्तै मेरा नेपाली दाजुभाई दिदी बहिनीहरु सवैले आफ्नो मताधिकारको प्रयोग गर्नु अघि हामीलाई प्रतिनिधित्व गर्न चाहने राजनीतिक दल तथा दलका नेतृत्ववर्गबाट केही महत्वपूर्ण मुद्दाहरुमा स्पष्टता चाहेका छन् । यसै सन्दर्भमा संविधानसभाको निर्वाचनको मतदान गर्नु भन्दा अघि मुलुकका सवै राजनीतिक दलहरुबाट निम्नलिखित एकदर्जन मुद्दाहरुमा स्पष्ट जवाफ माग गर्नु जरुरी देखिन्छः
१. तपाईं कस्तो प्रकारको राजनीतिक संरचनालाई समर्थन गर्नु हुन्छ?
क. संघिय गणतन्त्र/ गणतन्त्र
ख. जनताको संघिय गणतन्त्र/ जनताको गणतन्त्र
ग. हिन्दु संघिय गणतन्त्र/ हिन्दु गणतन्त्र
घ. अन्य कुनै प्रकारको राजनीतिक संरचना
२. कस्तो प्रकारको विधायिकाको पक्षमा तपाई हुनुहुन्छ? कतिवटा विधायिका र कतिजना सांसदहरुको पक्षमा तपाईं हुनुहुन्छ ।
३. कस्तो प्रकारको सरकार प्रमूख तपाईं चाहनुहुन्छ ? संसदीय प्रधानमन्त्रिय पद्धती अथवा जनताबाट सिधै निर्वाचित सरकार या राष्ट्र प्रमूख अथवा राष्ट्रपति वा प्रधानमन्त्रिका विच शक्तिको बांडफांड गर्ने प्रकारको ?
४. तपाईं जातिय वा भौगोलिक आधारमा राज्यको सिमांकन हुनु पर्छ भन्ने अवधारणालाई समर्थन गर्नु हुन्छ?
५. तपाई हरेक राज्यमा कस्तो प्रकारको निर्वाचित विधायिका चाहनुहुन्छ? कति जना सदस्यहरु, मूख्यमन्त्रिहरु, राज्यमन्त्रि तथा मन्त्रिपरिषदका सदस्य तथा कस्तो कर्मचारीतन्त्र हुनु पर्छ भन्ने तपाईलाई लाग्छ ।
६. कर प्रणाली कस्तो हुनु पर्छ? विभिन्न राज्यहरुको विच सामानहरुको स्थानान्तरण वा विक्रीको व्यवस्थापनको लागि कस्तो प्रकारको संरचना तपाई प्रस्ताव गर्नु हुन्छ?
७. तपाइर्ं सामाजिक तथा आर्थिक दृष्टिबाट पिछडिएका वर्गहरुको उत्थानकोलागि आरक्षण वा कोटाको ब्यवस्थालाई प्रबर्द्धन गर्नु हुन्छ?
८. नेपाली नागरिकहरुको आधारभूत मानवअधिकारको संरक्षण तथा अपराधिलाई संरक्षण दिने दण्डहिनताको ब्यवस्थाको अन्त्य गर्न लागि तपाईंले कस्तो ब्यवस्था अपनाउनुहुन्छ?
९. तपाईं राज्य र ब्यक्तिविरुद्धका अपराधहरु जस्तै जबर्जस्ती करणी, हत्या, मानव वेचविखन, आतंकबाद भ्रष्टाचार जस्ता अपराधमा संलग्न अपराधिको सजायको लागि मृत्युदण्डको पक्षमा हुनुहुन्छ?
१०.तपाई राज्यको कस्तो आर्थिक संरचनाको पक्षमा हुनुहुन्छ? स्वतन्त्र बजारको पक्षधर निजी क्षेत्रलाई प्रोत्साहन गर्ने आर्थिक संरचना, सरकारी नियन्त्रणमा रहने अर्थ ब्यवस्था वा मिश्रीत अर्थ ब्यवस्था।
११. मुलुकको प्राकृतिक स्रोत जलश्रोत, सिमेन्ट, खनिज पदार्थ आदीको विकास र परिचालनको लागि कस्तो प्रकारको ब्यवस्थाको पक्षमा हुनुहुन्छ? निजी क्षेत्रलाई प्रबर्द्धन गर्ने, सरकारले संचालन गर्ने वा मिश्रति ।
१२. निजी सम्पत्तिको सुरक्षाको लागि यहांको दृष्टिकोण के छ? कुनै हदबन्दि लगाइ सम्पत्ती स्थानान्तरणको लागि मौका दिनु पर्छ वा राज्यले हदबन्दि लगाई हदभन्दा माथिको सम्पत्तिलाई जफत गर्नु पर्छ ?
अहिलेको परिस्थितीमा म हाम्रा सवै नेपाली दाजुभाई दिदीबहिनीहरु तथा राजनैतिक दलका नेतृत्वतहमा रहेका ब्यक्तिहरुसंग के आग्रह गर्न चाहन्छु भने हामी नयां संविधानको निर्माणको लागि पुनः संविधानसभाको निर्वाचनको तयारीमा रहेको बेला हामीले हाम्रा मूख्य मुद्दाहरुमा ध्यान केन्दि्रत गर्नु जरुरी छ । त्यसैले हाम्रो मूख्य मुद्दाहरु अहिले मुलुकको भौतिक संरचनाको आधारहरु जस्तै बाटो निर्माण, विद्यालय भवन तथा अस्पतालहरुको निर्माण भन्दा पनि संविधान निर्माण नै हो, संविधान बनिसकेपछि भौतिक संरचनाको निर्माण र ब्यवस्थापनका विषयवस्तुहरु त स्वतः नै आइहाल्ने छन् । माथि उल्लेखित प्रश्नहरुका कुनै गलत र सहि उत्तरहरु हुँदैनन तर हामीले अब हुने भनिएको निर्वाचनको मतदान भन्दा अघि माथिका प्रश्नहरुको माध्यमबाट राजनीतिक दलहरुको स्पष्ट दृष्टिकोण बुझ्न अत्यन्त जरुरी छ ताकि हामीले अब कसलाई मतदान गर्ने भन्नेतर्फ सहि निर्णय लिन सकियोस ।
सवै राजनीतिक दलका नेतृत्वतहमा रहेका हाम्रा नेताहरुलाई पनि माथि उल्लेखित प्रश्नहरुका सम्बन्धमा स्पष्ट धारणा अघि सार्नुहुन म आग्रह गर्न चाहन्छु । अनुमान गरौं, तपाईको राजनीतिक दलले अबको निर्वाचनमा ८० प्रतिशत स्थान जित्नेछ र तपाईले चाहेको संविधान संविधान सभाबाट पारित गराउन सक्नुहुनेछ भने माथि उल्लेखित १२ प्रश्नहरुमा यहांको जवाफ के हुनेछ । यदी तपाईसंग माथिका एक दर्जन प्रश्नहरुको जवाफ छैन भने कृपया तपाईं आफ्नो दलका साथिहरुसंग छलफल गरी विचार विमर्श गर्नुहोस र निर्वाचनको मतदान हुनु अघि स्पष्ट धारणा लिएर आउनुहोस । अन्यथा गन्तब्य निश्चित नभएको सवारी सधानमा यात्रीलाई चढ्नको लागि आग्रह गरिएको जस्तै हुन्छ निर्वाचनमा मतदानको लागि गरिने आग्रह पनि । मलाई विश्वास छ, नयां संविधान बनाउने बर्षौंको पर्खाइपछि प्रारम्भ गरिएको मुलुकको शान्ति, सम्बृद्धि तथा प्रगतीको लागि नयां यात्राबाट पनि केहि नतिजा ननिस्केपछि नेपालीहरु माथि उल्लेखित प्रश्नहरुका सत्य र स्पष्ट जवाफ खोजिरहेका छन् । कृपया यहांले आफ्नो दृष्टिकोण सहितको जवाफ दिनुहोला । यदि उल्लेखित प्रश्नहरुमा यहांको जवाफप्रति सहमत हुन सक्यौं भने हामी एक कदम अघि बढेर यहांलाई समर्थन गर्ने छौं एउटा विश्वासका साथ कि अब मुलुकले नयां संविधान पाउनेछ ।
प्रजातन्त्रको मूख्य सौन्दर्य भनेको नै मुलुक कुनै ब्यक्तिको हुंदैन, सवैको हुन्छ । राजनीतिक नेतृत्वलाई चयन गार्दा जनताले निर्वाचनका दौरान गरिएका प्रतिज्ञाहरुलाई मनन गरेर नै आफ्नो मतको प्रयोग गर्दछन् । आज १२ बुंदे सम्झौता पछिको विगत बर्षहरुको सहयात्रापछि मुलुकको नेतृत्व सम्माननिय प्रधान न्यायाधिशले गरिरहनु भएकोछ भने हामी जनताहरु असमन्जसमा परेका छौं -वास्तवमा हाम्रा राजनीतिक नेतृत्वहरु के का लागि लडेका थिए त? मलाई विश्वास छ, हाम्रा दाजुभाइ दिदी बहिनीहरु अझै पनि अर्को चुनावको लागि पर्खेर बसिरहेका छन् तर जब तपाई राजनीतिक दलहरु हामीसंग मत माग्नको लागि आउँदा माथि उल्लेखित एक दर्जन प्रश्नहरुका जवाफ सहित आउनुहोला ताकि हाम्रो मुलुकको भविश्यको लागि के आधारमा कसलाई मतदान गर्ने भनेर निर्णय गर्न सकियोस । मुलुकको नेतृत्व राजनैतिक दलहरुले नै गर्नु पर्छ तर, प्रजातन्त्रमा नेपालका नागरिकहरुलाई मतदानको अधिकारको प्रयोग गर्ने मात्र होइन कि सही नेताको चुनाव गर्न पनि उल्लेखित १२ प्रश्नहरु नेतृत्व सामु उठाउनु जरुरी भएको छ, जसले मुलुकको अग्रगामी निकासको लागि एउटा भिजनरी नेतृत्वको चयन गर्न सकोस-ब्यक्तिगत वा दलगत ब्यानरको विच मात्रै निर्वाचन नहोस ।
Saturday, April 13, 2013
Eight companies seek Sebon nod for IPO
Eight companies have applied to the Securities Board of Nepal (Sebon) for its approval to do their initial public offering (IPO). The IPOs have a combined worth of Rs 1.45 billion.
Among the eight companies, seven are banks and financial institutions (BFIs) and one is a hydropower company — Mega Bank, Mission Development Bank, Small Farmers’ Development Bank, Rural Microfinance Development Centre (RMDC), Manaslu Development Bank, Mount Makalu Development Bank, Samriddhi Development Bank and Sanima Mai Hydropower Company.
Almost all the companies are planning to IPO by the end of the current fiscal year. Mega Bank’s IPO, which is scheduled to be held by April-end, is worth Rs 699 million.
The bank recently launched an IPO savings account with the aim of assisting prospective subscribers.
RMDC, which is involved in the microfinance sector, has planned to issue shares worth Rs 280.08 million.
The company, which has been providing wholesale lending to microfinance institutions, is also expected to attract a large number of investors due to its encouraging financial performance in the past several years.
According to Sebon, Manaslu Development Bank has planned an IPO worth Rs 36 million.
Similarly, Mission Development Bank is planning to do an IPO worth Rs 30 million, Mount Makalu Development Bank Rs 6 million and Samriddhi Development Bank Rs 30 million.
Likewise, Small Farmers’ Development Bank has planned to issue shares worth Rs 60 million. The bank in which the government also has a stake has been providing services all over the country.
Meanwhile, stock traders have expressed doubts about the response to the IPOs.
Anjan Poudel, past president of the Nepal Stockbrokers’ Association, said potential buyers had started showing concern over the performance of the companies.
Poudel said that investors now look at the financial records of the institutions doing an IPO before purchasing stock.
“Now investors are also showing concern over the mergers that are going on between many B and C class financial institutions while contemplating buying stock,” he added.
Sanima Mai is the only company from the real sector among the applicants for Sebon’s approval.
Its planned IPO is worth Rs 211 million. According to Sebon, the company is at the final stages of receiving the go-ahead. As per a source
at Sebon, it could happen within a week.
Sanima Mai is constructing a power plant with a capacity of 22 MW in Ilam district. The company will allocate shares worth Rs 105.5 million to the local people from nine village development committees in the affected area.
Poudel said that the IPO of a hydropower company may attract subscribers as the sector has been described as a national level priority.
Meanwhile, Sindhu Bikas Bank and Jhimruk Development Bank have recently been okayed to issue their primary shares.
Sindhu Bikash Bank has planned to do an IPO worth Rs 49 million. Jhimruk, a hydro project based in Pyuthan district, is scheduled to issue shares worth Rs 16 million.
UPCOMING IPOs
Among the eight companies, seven are banks and financial institutions (BFIs) and one is a hydropower company — Mega Bank, Mission Development Bank, Small Farmers’ Development Bank, Rural Microfinance Development Centre (RMDC), Manaslu Development Bank, Mount Makalu Development Bank, Samriddhi Development Bank and Sanima Mai Hydropower Company.
Almost all the companies are planning to IPO by the end of the current fiscal year. Mega Bank’s IPO, which is scheduled to be held by April-end, is worth Rs 699 million.
The bank recently launched an IPO savings account with the aim of assisting prospective subscribers.
RMDC, which is involved in the microfinance sector, has planned to issue shares worth Rs 280.08 million.
The company, which has been providing wholesale lending to microfinance institutions, is also expected to attract a large number of investors due to its encouraging financial performance in the past several years.
According to Sebon, Manaslu Development Bank has planned an IPO worth Rs 36 million.
Similarly, Mission Development Bank is planning to do an IPO worth Rs 30 million, Mount Makalu Development Bank Rs 6 million and Samriddhi Development Bank Rs 30 million.
Likewise, Small Farmers’ Development Bank has planned to issue shares worth Rs 60 million. The bank in which the government also has a stake has been providing services all over the country.
Meanwhile, stock traders have expressed doubts about the response to the IPOs.
Anjan Poudel, past president of the Nepal Stockbrokers’ Association, said potential buyers had started showing concern over the performance of the companies.
Poudel said that investors now look at the financial records of the institutions doing an IPO before purchasing stock.
“Now investors are also showing concern over the mergers that are going on between many B and C class financial institutions while contemplating buying stock,” he added.
Sanima Mai is the only company from the real sector among the applicants for Sebon’s approval.
Its planned IPO is worth Rs 211 million. According to Sebon, the company is at the final stages of receiving the go-ahead. As per a source
at Sebon, it could happen within a week.
Sanima Mai is constructing a power plant with a capacity of 22 MW in Ilam district. The company will allocate shares worth Rs 105.5 million to the local people from nine village development committees in the affected area.
Poudel said that the IPO of a hydropower company may attract subscribers as the sector has been described as a national level priority.
Meanwhile, Sindhu Bikas Bank and Jhimruk Development Bank have recently been okayed to issue their primary shares.
Sindhu Bikash Bank has planned to do an IPO worth Rs 49 million. Jhimruk, a hydro project based in Pyuthan district, is scheduled to issue shares worth Rs 16 million.
UPCOMING IPOs
Mega Bank Rs 699m
RMDC Rs 280.08m
Manaslu Dev Bank Rs 36m
Mission Dev Bank Rs 30m
Mount Makalu Dev Bank Rs 6m
Samriddhi Dev Bank Rs 30m
Small Farmers’ Dev Bank Rs 60m
Sanima Mai Hydropower Rs 211m
Source: The Kathamndu Post
Friday, April 12, 2013
Mutual Fund
Mutual Fund is a pool of fund generally of several small investors. The collected fund is then invested in financial instruments such as Stocks, Bond/Debentures, Govt. Securities, and Fixed Deposits (as prescribed by Mutual Fund Regulation, 2067). Such investment decisions are made by a Fund Manager. Returns from the investment are shared proportionately among the investors on the basis of the units held by them. Thus, Mutual Fund is the most suitable investment vehicle for the small investors as it offers an opportunity to invest in a professionally managed diversified basket of securities at a relatively low cost.
Mutual Fund in Nepal is regulated by SEBON (www.sebon.gov.np). Mutual Fund in Nepal can be issued, supervised and managed only by entities/individuals fulfilling the criteria led in Mutual Fund Regulation, 2067 and as authorized by SEBON.
Thursday, April 11, 2013
1.5 million new jobs could be generated by the European internet economy
By Daniel Hunter
A new study published by Vlerick Business School in Belgium and carried out on behalf of IAB Europe has revealed that Europe has the potential to generate an additional 1.5 million jobs in the EU through the digital economy.
The study titled, Online Jobs Boosting Europe's Competitiveness revealed that the internet sector in the EU already employed 3.4 million people, but that the sectors full potential, both in terms of growth and job creation, has yet to be fully realised.
Key findings in the Vlerick study reveal that given the impact of the internet sector on GDP growth —particularly in the UK, Sweden, Germany, France and Italy where the internet was found to directly contribute between 1.7% and 6.3% of GDP — there is potential for the sector to create between 400,000 and 1.5 million jobs within the European digital economy.
Steve Muylle, Professor at Vlerick Business School, said: “Our research reveals that the internet sector has become significant in the EU27 and that it can serve as a powerful catalyst for economic growth. The latter will not only bring employment yet also foster innovation, such as in digital advertising.”
Kimon Zorbas, Vice President of IAB Europe, said: "We have discovered that if all European countries performed as well as Europe's leading internet economy — Sweden — Europe has the potential to generate up to an additional 1.5 million jobs in the sector. Even if we align with the US average output we will be able to generate an additional 400,000 digital jobs in Europe. At a time of crisis this makes our sector a beacon for an economic recovery model."
Business Letters' Collection
Indirect Inquiry Letter
785/75, Kathmandu-8,
Baneshwor Height
Telephone: 01-4751860,
Mobile:
9846135697/9814171937
2
October 2012
Loken Thapa
Coordinator
Delta Institute
Dear Mr. Thapa,
I have come across the advertisements about the Professional
Communication Training Program in various magazines and newspapers that
your organization is going to organize from 15th October to 29th
October.
This program will help to improve my communication and presentation
skills, so this will be fruitful for me throughout my life. The advertisement
is very short and creates interest to know the further information about the
program. So, Could you provide me with more details about the
Professional Communication Training Program through email? I am more than happy
if you provide information about the time-frame, costs, who is the trainer,
venue and refreshment for the trainee.
It will be
my pleasure to receive your answers and session schedule (if possible)
regarding this program within two week, which will ultimately enhance and boost
up my level of energy, enthusiasm and interest in it.
I look forward to getting your response as soon as possible but
not later than 12th October, 2012.
Sincerely yours
Bikram Thapa
Direct Inquiry Letter
785/75, Kathmandu-8,
Baneshwor Height
Telephone: 01-4751860,
Mobile:
9846135697/9814171937
2
October 2012
Loken Thapa
Coordinator
Delta Institute
Newroad, Kathmandu
Dear Mr. Thapa,
Will you
please provide me the information regarding the following questions related to
your “Professional Communication Training” that will be held from 15th
October 2012 to 29th October,
2012? The answers of these questions will be very helpful and supportive for me
to join the session.
1.
What is the estimated cost
of training program?
2.
Who is the expert you have
selected for training program?
3.
What is the exact time and
venue for the program?
4.
Who are the main focused and
targeted to participate?
5.
Is there any refreshment
facility for the trainee?
6.
Where can I register my name
to participate in this program?
I am
eagerly waiting for an early response from you but not later than 12th October
2012. I feel happy if I able to participate in the Professional Communication
Training Program. Thank you in advance for giving your valuable time.
Sincerely yours
Bikram Thapa
Favorable Response
Delta Institute
Newroad, Kathmandu
October 10, 2012
Bikram Thapa
785/75, Kathmandu-8,
Baneshwor Height
Subject:
Your October 2 inquiry about “Professional Communication Training”.
Dear Mr. Thapa,
The following information
should tell you about the “Professional Communication Training” program. Here
are the answers regarding to your questions.
1.
The
cost that needs for the training program is Rs. 1200 which also includes the
lunch facility as well.
2.
The
expert that we have selected for the training program is headed by Dr. Aanand
Sharma and his team member.
3.
The
program start at sharp 11:30 A.M. and the venue is Alfa House Baneshwor.
4.
The
main focused or targeted participant is the student from management background
who wants to develop their communication skills.
5.
Yes,
there is refreshment facility as well at 3:00 P.M.
6.
You can register your name at Delta Institue,
Newroad as well as in Alfa House, Baneshwor.
We sincerely appreciate
your interest regarding “Professional Communication Training Program”. If you need
any further information, please mail us again. I believe that, this program
will be fruitful for you, so you will register you name as soon as possible to
attend the program.
Sincerely Yours
Loken Thapa
Bad News Letter
Himshree Foods
Industrial Estate,
Pokhara, Nepal
Pokhara, Nepal
20 November, 2012
Adarsha Tandukar
Manager, International
Business
ABC Suppliers
Delhi-9, India
Dear Sir,
This email is with reference to the materials for noodles sent on September 15th 2012. We are very sorry to say that the material which you had sent on the above mentioned date is not of good quality as it is having flaws and it is not in usable state having some insects in it.
ABC Suppliers
Delhi-9, India
Dear Sir,
This email is with reference to the materials for noodles sent on September 15th 2012. We are very sorry to say that the material which you had sent on the above mentioned date is not of good quality as it is having flaws and it is not in usable state having some insects in it.
If we use this material to
manufacture noodles, it may end up our relationship with the customers and this
issue will be approaching to consumer court. Kindly let me know whether you
will be visiting here for inspection of the goods or let me know whether should
I need to send the material back to the address from where we received the material.
We will be thankful to you
if you could take any action at the earliest, which will make us comfortable.
The sample screen shot of the material quality compared to the good quality
also attached here. And the numbers of units rejected also given in the Excel
sheet attached, please go through the same and respond us back for any further
clarification. Appreciate your quick response.
Yours Sincerely
Surya Bdr K.C.
Complain Letter
785/75, Kathmandu-8,
Baneshwor Height
Telephone: 01-4751860,
Mobile:
9846135697/9814171937
22
November 2012
Anup Gurung
Customer Care Centre
Unique Fashion House
Newroad, Kathmandu
Dear Mr. Gurung,
Unique Fashion House is a
renowned fashion store in town regarding the quality product in the town. So,
my needs and my friends recommendation push me to reach your store to buy the
leather jacket on 7th August 2012.
You explained me that this
is the original jacket from Pakistan and will not fade out for 2, 3 years if it
is protected from water and fire. You gave me a guarantee card if it is fade
out within a year. Despite of my protection from water and fire, the color of
jacket has faded out and there are several wrinkles lines in it within this
short period of three months. It looks so very different within a short period
of time.
So, please refund my
amount of Rs.18,250 as per the terms and conditions of purchase. If it is not
possible, you can exchange another original jacket of similar price and of better
quality. For your conformity, a photo of jacket while I purchase and the photo
of now as well as photocopy of invoice are attached herewith.
Sincerely yours
Bikram Thapa
Sales Letter
Sales Manager
Benchmark Office
Automation Pvt. Ltd.
Putalisadak, Kathmandu
7th December
2012
Subject: Loadsheeding, No
problem !
Dear Customers,
We, the Benchmark Office
Automation is here to serve you. As we know, Christmas and New Year 2013 is at your door and it will
bring lots of happiness, pleasure and enjoyment in your life however the
loadsheeding sometime create problem for you. But we are here to solve your
problem.
Our office offers a lot of offers on
the occasion of Christmas and New Year. We are providing you the invertor at easy
Installment basis starting from Rs. 1,000 to Rs. 5,000 per month. You can light
your house at the time of loadsheeding as well. This is an incredible scheme
because it also includes one year’s spare parts guarantee and one year free
servicing.
For more details, we request you to
visit our website www.benchmarkautomation.com.np and showroom as soon as possible.
This scheme is available before January 15, 2013. We believe that, we are here
to served you and we assumed that you will value our service.
Thanking you !
Sincerely,
Bikram Thapa
Persuasive
Letter
ABC Cruise
Goa, India
Mr. Smith,
XYZ Corp.
Respected Mr. Smith,
How long has it been since you and your spouse had a really good time? How long has it been since you last took a week off to enjoy the more beautiful things in life? How long has it been since you saw the sea, basked in the sun during the day and gazed at the stars at night?
We thought it's been a long time too.
At ABC Cruise we are offering very few selected people an offer to stay on board our cruise for a week, in the lap of luxury like no other in this world. We will pamper you and indulge your every little desire. We will ensure that you and your spouse get a lovely time together and get a bit of romance going! And that too at a 50% discount over our normal rates!
Hard to say no, isn't it?
Regards,
ABC Cruise
ABC Cruise
MEMORANDUM
Manchester
City International College
New
Baneshwor, Kathmandu
TO: Coach Mr. Bikram Thapa
FROM: Ajay Thapa
DATE: December 15, 2012
SUBJECT: Football
I was very pleased with the football
team’s performance at Friday night’s game. You have trained a group of young
men not only to play football well and with all the energy they have, but
you’ve also taught them how to represent our school well. The opposing coach
stopped me after the game to let me know how courteous and polite our boys
were; I am proud of all of you.
Good luck Friday night as you and the
boys get ready to head into district play. Win or lose, we are proud of the
team you have built!
Thank You
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