Credit information Bureau (India) Limited (CIBIL)

CIBIL- was incorporated in 2000.The relationship between CIBIL and the Banks is that of close interdependence. Banks provide Cibil the information of its customers who have taken credit and there payments behavior and track record. CIBIL on the basis of information collated from all Banks, helps its member Banks to make faster credit decisions when they acquire new customers as they will be able to check his previous credit history.

The CIBIL Credit Score System:
It will be on a scale ranging from 100 to 999. Cibil collates data from its member Banks and creates a track of all loans, Credit taken by an individual and impart him a score based on his behavior of repayments of Emi’ s and Credit card from member Banks. Lower the CIBIL credit score lower the chances of getting money on credit. Say if your credit score is close to 100, then this implies, outright refusal of credit, requirement of additional security / guarantee, higher down payment, shorter duration and higher interest rates. If you have a very high CIBIL credit score, say 800, this implies, lower interest rates, waiver of processing fees and faster disbursement of funds.
So then, how can I improve my CIBIL Credit Score?
• Pay all your EMIs on Loans in time. And when you have more than one loan running it gets difficult to repay them or keep a track. So, it’s very important to make regular & timely re-payments of your loan to maintain your credit level.
• Never fail to pay the Minimum Payment required by your Credit Card. What is advisable is making full payments on your credit card every time. Credit Card is categorized as revolving credit and it helps in building a good credit history if payments are regular.
• Always make a budget for yourself & ensure your monthly income permits you to take a loan.
• Do not apply for loans or credit cards if not required. As this would mean more credit exposure. This could affect your credit score. Instead of applying for another loan, try checking for a top-up loan option on your existing loan. This will make your debt burden easier to manage.
• Use some of your savings to repay some of your debt. Always plough back extra income to reduce your debts. This will increase your credit score level.
• A cheque bounce on your credit card or on a loan also affects your credit rating.
• Avoid going in for settlements, although you make payments only for your purchases in a settlement it does bring down your score level. And never get into a write off case. This means not paying for your dues at all.

Now that you are aware of the CIBIL scoring system, please work on maintaining your score. Ensure that you are always in control of your finances. However, even if your credit score is low don’t be disheartened. The credit system always gives scope for improvement. You can start improving your credit score by simply paying of your debt and not opting for more until your score improves.

Lessons of Mumbai Terror Attack

As per the news being circulated the Mumbai Terror Attack problem is over with a few dozens dead and over 350 injured. We must congratulate our NSG, Marine Commandos, Army personnel who all had to operate in the danger zone around the Action areas for over 65 hours with a few of them losing their lives in action. We salute all of them who took part in the operation and flushed out the terrorists dead or alive. We also salute those of the finest IPS Officers of ATS and Police men who lost their lives in the starting phase of the battle between the law and order keeping forces and the Terrorists.

What are the lessons of the event?

That, the country was one, is one and will remain one against all such external or internal attacks, disturbances and disorders being created by vested interest groups outside the country and also inside it.

That, Maratha warriors like Bal Thakrey and his Shiv Sainiks and Raj Thakrey and his MNS Sainiks were seen nowhere in action of saving their very own Marathi Manush Mumbai. A shameful act on part of these Maratha warriors. Mumbaikars and the Marathis must have now more faith in the United India with brotherhood between the people of different linguistic, cultural and religious background and not in so called sainiks and their leaders.

That , major part of Police administration in Mumbai, except for ATS, seemed to be paralysed and fainted. This was the same force which flashed their bravery in killing Raj, a Bihari boy from a short distance a month ago.

That, neither CM Deshmukh nor his loud mouth Home Minister RR Patil who was shouting at the top of his voice about a month ago that guns will be met with guns (against the same Bihari boy Raj ) was not visible this time with his boys and the guns when the terrorist guns were spitting fire. There were many other brave Marathas like Praful Patel who matched his frequency with Raj Thakrey and challenged just a month ago whoever challenged the Marathas and their ego which in his opinion was not the rights or property of Northies, Hindi speaking population and last but not the least Biharis and Jharkhandis. All this Maratha talk was a shameful act then and now. Otherwise they should have been in the forefront of the Save Mumbai campaign from Terrorists. Is it possible that the Terrorists fixed the exact dates for action after making sure that Mumbai in particular had become weak due to the recent MNS action against the Biharis and Northies in Mumbai and Maharashtra? This may be a major probable cause.

This also has a lesson for us and our rulers in Delhi as to why we have a non-political PM and a weak Home Minister who seemed to be totally unaware of his job, that is, the situation prevailing in the country. They are certainly not pro-active. They are reactive. Therefore, we, over 100 crore people are not safe in these hands. It is not to say that BJP or their NDA will do anything better.

What we, the citizens of this country need to do is to reject all such defective people whose total perspective is to look at the Unity and existence of this country through the eyes of BSE and NSE indices, or divide the populace for votes on linguistic , caste and communal lines and are not interested in a sensible governance and development of a United and strong India.

One of the best interview

Interviewer : Why are you interested to work in our Company?

Interviewee: Yeah, the reason is pretty simple. I must work in one of
idiotic company, only then I can run my life. It is necessary that I have to work for the stupid who appoints me. Other than that I don’t have any special respect/opinion on your company.

Interviewer: Can you tell me why must I appoint you?
Interviewee: If not I, some fool must be appointed, so why not me.

Interviewer: What are your peculiar talents?
First, I will see how to make fun. I will check what all can be stolen
from the office. By saying this appointment, I will borrow money from several fools. I will try to get a better job than this. Other than this, I don’t have any idea of working hard and sincere and develop your company.

Interviewer: What is your strength?
Interviewee: Once I get a job which pays me even one rupee more than this, immediately I will quit this job. I will not compromise this for anything.

Interviewer: Your weakness?
Interviewee: He,he, Money and Liquors…

Interviewer: What are your achievements in the previous company?
Interviewee: Nothing as such. If anything as that why I come to your
company? I would have exaggerated and earned more salary there itself.

Interviewer: What was your great challenge? How did you overcome that?
Interviewee: By Gods grace only. So far, no boss or manager found me
useless till my third salary.

Interviewer: Why did you quit your last job?
Interviewee: for the same reason for which you conduct this interview.

Interviewer: What do you expect?
Interviewee: Good Salary, 0% work and a few idiots to make fun.

Let's change -- In view of terror attack in Mumbai

dear all,
we all have seen what happened in mumbai and also what happened in past(from 93 mumbai blast to attack on parliament, to train blast of mumbai, bomb blasts of bangalore, delhi, assam, ahemedabed). the terrorists are taking us for granted they think we indian only know to get victimized.

we see the news, discuss about it find out whether our relative and all are safe or not and then forget or rather ignore it thinking at least I'm not affected directly.but, i think it's time we started thinking that this is my country's problem, my problem. today many country's have asked their people not to travel India ( you must have seen the news). what's it? it is not our loss? it is loss of our country's reputation, economy, image.

we as a citizen of this great country need to take some responsibility to correct it.no need to go out with the weapon and do something stupid. we need to create an environment around where we think beyond the small barriers like, state, religion, region, caste and gender. we need to create a cohesive culture where people empathize others problems as if it was theirs.
and we have to ensure that our workplace, our home and our society where we have our influence we try to change and keep trying till it becomes united.

United we stand and divided we fall.

And if as a country we are united and thinking for others then no body in this world will even dream of attacking on INDIA.

and we know that at least now we need to get united. let's become one for the bigger cause- that's our beloved India. we may think that i alone can't change much. but, if everyone thinks the same, then we will always have the repetition of what happened now and we will have only ourselves to blame. so let's change for a better future and let's change because we do not want to give our next generation this India(where nobody is sure whether he will be alive tomorrow or not).


Let's change

DB2 Manual Installation on Linux

Install

* Login as root.
* Create groups:
o groupadd -g 999 db2iadm1
o groupadd -g 998 db2fadm1
o groupadd -g 997 dasadm1

* Create users for each group:
o useradd -u 1004 -g db2iadm1 -m -d /home/db2inst1 db2inst1
o useradd -u 1003 -g db2fadm1 -m -d /home/db2fenc1 db2fenc1
o useradd -u 1002 -g dasadm1 -m -d /home/dasusr1 dasusr1

* Set password for each users created:
o passwd db2inst1
o passwd db2fenc1
o passwd dasusr1

* cd to installation file directory:
o Example: /tmp/db2/exp/disk1

* Run installation script:
o ./db2_install.sh

Post Install

* Login as root.
* Install license (example):
o /opt/ibm/db2/V9.1/adm/db2licm –a /tmp/db2/exp/disk1/db2/license/db2exp_uw.lic

Create the DB2 Administration Server (DAS)

* Login as root.
* Create DAS with dasusr1
o /opt/ibm/db2/V9.1/instance/dascrt -u dasusr1

* Login as dasuser1
o Start the DAS: db2admin start

* Optional: to enable autostarting of the DAS upon reboot
o /opt/ibm/db2/V9.1/instance/dascrt/dasauto –on

Create DB2 instance

* Login as root.
* Create instance with users db2fenc1 and db2inst1:
o /opt/ibm/db2/V9.1/instance/db2icrt -a server -u db2fenc1 db2inst1
* Optional: enable autostarting of the db2inst1 instance
o /opt/ibm/db2/V9.1/instance/db2iauto –on db2inst1

Update environment variables

* Example:
* Login as db2inst1
* edit .bash_profile
o vi /home/db2inst1/.bash_profile
o insert the following line at the end of the file – “. /home/db2inst1/sqllib/db2profile”

* Do the same for dasusr1, using its corresponding directory.

Database service

* Login as root:
* Add new service entry:
o vi etc/services
o insert this line “DB2_TMINST 50000/tcp” at the end of the file

Verification

* Login as db2inst1
* List installed DB2 products and features: db2ls
* Display the default instance: db2 get instance
o Result: The current database manager instance is: db2inst1
* Start the database instance: db2start
o Result: SQL1063N DB2START processing was successful.
* Stop the database instance: db2stop
o Result: SQL1064N DB2STOP processing was successful.