Microwave Recipes: Vegetable Chowmein

A very popular Chinese Recipe: Vegetable Chowmein

Ingredients: For boiling Noddles you will need -
1 cup Noodles
4 cups Water
2 tsp Oil
1 tsp Salt

Ingredients for frying:
2 Capsicums
2 Carrots (shredded)
2 Spring Onions (shredded)
5-6 Beans (shredded)
100 gm Cabbage (shredded)
2-3 Dry red chillies (flaked)
5-6 Baby Corns (sliced)
5-6 Garlic flakes (crushed)
2 tbsp Tomato sauce
2 tsp Oil
1 tbsp Vinegar
a pinch of ajinomoto
salt and pepper (to taste)

Method to prepare in Microwave:
  • Take a big microwave safe bowl, add water , oil and salt and boil for 7-8 minutes at 100% micro wave power.
  • Add noodles and boil for 6-7 minutes at 100% power. Stir in between.
  • Strain and wash noodles under cold water to avoid sticking. Keep aside.
  • Take another Microwave safe bowl, add oil and all chopped vegetables and microwave for 4-5 minutes at 100% microwave power.
  • Add soya sauce, tomato chilli sauce, vinegar and ajinomoto and stir it properly.
  • Add boiled noodles to it and mix it well. Microwave it for 2 minutes at 80% power.
  • Serve hot with sauce and soup.

Credit Rating Agencies in India

A Credit Rating agency is a Corporate body/company that assigns credit ratings for issuers of certain types of debt obligations as well as the debt instruments themselves. Mostly the issuers of securities are Government body, state and local government, companies, non-profit organizations who issues debt like instruments or securities like bonds etc that can be traded in secondary market. The role of credit rating agencies. A credit rating of an issuer takes into consideration the issuer's credit worthiness. (i.e. its ability to pay back a loan), and effect the interest rate applied to the particular security being issued. A company that issues credit scores for individual credit-worthiness is generally called credit bureau or consumer credit reporting agency. ( Source: Wikipedia)

The major Credit Rating Agencies in India are:

CARE - Credit Analysis and Research Limited
ICRA - Investment Information and Credit Rating Agency of India
CRISIL - Credit Rating Inormation Services of India Limited.
DCR India - Duff and Phelps Credit Rating India Pvt. Ltd.
ONICRA Credit Rating Agency of India Ltd.

Rating awarded by major Credit Rating Agencies in India are:

AAA - Highest Safety
AA - High Safety
A - Adequate Safety
BBB - Moderate Safety
BB - Sub moderate Safety
B - Inadequate Safety
C - Substancial Risk
D - Default

Credit ratings are very important aspect to know the financial health of a company. All Mutual funds debt schemes and Fixed Maturity Plans (FMP)provide details of investments made with their respective Credit ratings in their portfolio. Investors should always check credit ratings before making any investments in such Debt funds or any other debt instruments.

Microwave Recipes: Thai Fish Curry

Microwave Recipes: International Thai Recipe-Thai Fish Curry
This Thai dish can be prepared in solo microwave and takes 10-12 minutes to prepare.

Ingredients:


500 gm Full fish or cut into pieces
2 tbsp Tamarind Paste
2 tbsp oil
2 tbsp Onion Garlic paste
2-3 dry red chillies (soaked in water and minced
2 tbsp chopped lemongrass
1 tsp mustard sauce
1 tsp soya sauce
1 tbsp brown sugar
1 tsp white sugar
1/2 cup water
salt and pepper to taste

Method of preparation:
  • Take a microwave safe bowl and add oil, soaked red chillies paste, onion garlic paste, lemongrass and microwave it for 5-6 minutes at 100% power.
  • Add Fish, mustard and soya sauce, tamarind paste, brown and white sugar, water salt, pepper etc and microwave covered at 80% power for 5-6 minutes. Stir in between. Allow 5 minutes of standing time.
  • Serve hot with rice.

Educational Loans for higher studies in India and abroad

Educational Loan/ Student Loan scheme for pursuing higher studies in India and abroad:
Education is the key point for the human resource development and overall development of any country. Every country in the world use to frame policies to look after the basic educational needs of the population. Here important role comes for financial institutions like public sector and private sector banks to provide financial support by providing loans and financial assistance to the meritorious students

Indian Banks association had prepared a model for Educational loan scheme in 2001. Reserve Bank of India had advised all the banks to implement the educational scheme vide circular no.
RPCD.PLNFS.BC.NO.83/06.12.05/2000-01 dated April 28, 2001

Todays meritorious youth want to make a career in Management, Engineering, Medical, Information Technology etc but the huge expenses of 5-10 lacs deter their parents and makes them hopeless. Though these type of courses are cheap in normal universities in India and middle class and lower middle class can easily afford but doing professional course from reputed Institutes are very costly. The aim of educational loan is to help those meritorious students who cannot afford professional courses, through various banks.

The broad guidelines of IBA for Educational Loans are as under:

Eligibility: Student should be Indian National. He must have secured admission in Professional/Technical courses in India or Abroad through entrance test or Merit based selection.

Eligible courses:
  • Graduation course like B.Com. B.A. B.Sc etc
  • Post Graduation Courses like PhD MA, etc
  • Computer related courses of Institutes accredited to department of electronics or Institutes affiliated to Universities.
  • Professional Courses like Engineering, Agriculture, Medical, Law, C.A. ICWA
  • Courses conducted by IIM, IIT, IISC, XLRI etc.
  • Courses offered in India by foreign Institutes
  • Other Degree/Diploma courses conducted by universities and colleges approved by Govt. AICTE, UGC
  • Many other eligible courses for which banks should be contacted.
Education Expenses covered for Loan:
  • Fee payable to school/college
  • Purchase of Books, Uniforms, equipments, etc.
  • Examination Fee, Laboratory/Library fee
  • Travel Expenses for studies abroad
  • Purchase of Laptop or computers essential for course
  • Insurance premium paid for borrower
  • Any other expenses which are necessary for completion of course

Quantum of Education Loan: Loan is granted according to the need and repayment capacity of parents.
  • The maximum amount of loan for studies in India is 7.5 lacs.
  • Studies Abroad: the maximum amount of loan is 20 lacs
However some banks like HSBC gives Education loan upto 25 lacs for studies abroad.

Security:
  • For loans up to Rs. 4 Lacs no security is required. Loan is granted on appraisal of Income and financial status of parents.
  • For Education loan above 4 lacs to 7.5 lacs- Co-obligation of parents along with collateral security in the form of third party guarantee is required. It is on the discretion of banks to wave of third party guarantee if satisfied with the net worth of parents.
  • For loans above 7.5 lacs- Co-obligation of parents together with tangible security of suitable value and assignment of future income for payment of installments is required.
Rate of Interest:
  • For Loan up to 4 lacs - BPLR (Benchmark Prime Lending Rate)
  • For loans above 4 lacs - BPLR + 1%
  • Penal Interest are charged as fixed by respective Banks.
Repayment of Education Loan: Repayment Holiday/Moratorium is Course period plus 1 year or 6 months after getting job, whichever is earlier. The Educational loan is to be repaid in 5 to 7 years from the commencement of repayment.

Documents required for Education Loan: A form is filled for applying for Education loan from banks. The following other documents are generally required:
  • Photograph
  • Proof of Identity
  • Residence proof
  • Income Proof
  • Certificates of Educational qualification
  • Mark sheet of senior secondary school
  • Graduation or Post Graduation Mark Sheet for MBA course
  • Other documents as required on case to case basis by banks
Tax benefit of Education loan: Under 80E of Income Tax Act of India repayment of an educational loan is eligible for deduction. The deduction will be available for the maximum of 8 years from the starting date of repayment .The yearly limit of deduction is Rs. 40,000 (for both principle and interest) The claim for deduction is only for loans taken for higher education, Full time studies in any graduate and post graduate, professional and pure and applied science courses.

Important points to remember before applying for Education loan:
  • Check and compare various banks for rate of interest, repayment and other details.
  • The education loan amount should not be more than required so that you can easily repay.
  • Analyze various courses and then apply for loan.
  • Take education loan/Student Loan for those courses only which can guarantee you an assured job.
Links of various Indian Public sector Banks for Education loan schemes>
Free Online Business Management Courses>>

Wish all visitors a very HAPPY HOLI

Holi is a one of the important and most popular festivals of India. On 22nd March 2008 whole India and Indians abroad will celebrate HOLI... The festival of Colours, sweets, joy and happiness. I am wishing all my blog reader's a
VERY
HAPPY HOLI

Know your Credit Card to prevent debt trap

Today more and more people have been lured by credit card companies to increase the use of credit cards and offering various types of credit cards like 0 % interest credit card, lifetime free credit card, petro cards, cash back credit cards, co-branded creditcards, EMI cards and so on. Credit Card is the latest form of money used worldwide.

People have become so much used to it that many keep multiple credit cards. But the important question here is how many of you really know each and every aspect of credit card?

Have you read the fine prints on your credit card agreement while applying for credit card?

Did the credit card company executive gave you all the details such as balance transfer fees, revolving credit charges etc?

Most would say NO and that's the truth. Most of us applying for credit card agreement never go through the fine prints.(most credit card companies have a clause which allows them to change the rate of interest any time, for any reason with a certain notice period) Most of the Americans are inattentive about their credit card account.

The important charges one should know about credit cards are:
  • Late payment fees or overdue fees
  • Returned cheques fee
  • Membership fee
  • Joining fee
  • Annual fee
  • Cash advance fee
  • Foreign exchange premium
  • Balance transfer charges
The convenient and comfortable use of credit card, most of the time invoke the card holder to buy things which are not very important. Avoid insensible usage of credit card.

So it is very important to know your credit card details, terms and conditions thoroughly to avoid debt trap and bad credit. To repay credit card dues you apply for another credit card and so on. Once you fall in a debt trap of credit card it becomes difficult to get out, and the various charges and interest aggravate the debt which may lead you to bankruptcy.
Related: Remeber To Use Your Credit Card Safely

Remember to use Credit Card Safely

Safety measures for Credit Card:
Credit Card
which is also known a Plastic Money is very popular these days. Every bank is offering different types of Credit cards and luring their customer by giving points, cash back and other such offers. No doubt that credit card is a very popular mode of payment but it can become very risky if if you are not aware about its safety issues. To avoid misuse and unauthorized access of your credit card please follow these safety measures:

The credit card should be signed on signature panel as soon as it is received. You can also write "ASK FOR ID" on signature panel.

Never ever give or disclose your Credit Card number to unknown person.

If you have a personal Identification Number (PIN), do not write it on Credit Card. Always keep your PIN in safe and secure place.

In case you no longer need the credit card details, do not simply discard them but destroy all the details of credit card.

If you have withdrawn cash from ATM through your credit card, don't simply throw the receipt if no longer needed. Instead tear them up in pieces or shred them up.

Most of the credit card users don't know or keep the credit card number in records. The credit card number and company phone numbers should be readily available and kept in safe place credit card is stolen or misplaced.

If you believe that your credit card is stolen call and inform the company immediately.

While shopping through Internet buy from reputed companies only.

While buying from merchant establishment make sure that sales person does not note down your credit card details.

Make eye contact while swiping your credit card. It may be swiped twice for other charge slips.

Do not give you credit card details to tele callers trying to sell or offering gifts to you you through telephone and asking your credit card number.

Notify your credit card company in advance of a change in address.

Keep a photocopy of all your credit cards both front and back side and keep it in a safe and secure location.
Related:
Know Your Credit Card To Prevent Debt Trap
Credit Card For Small Business may Be Useful

Budget Mobile with 25 days battery backup

Intex Technologies of Delhi, India, has launched a new mobile phone IN 2020 with a battery backup of whooping 25 days. This is probably the first mobile phone having such a good battery backup and talk time of non stop 7.5 hours. The mobile phone is priced below Rs. 2000/-

The battery backup in this mobile phone is remarkable with such a low price handset. It also has good features:

Dual band GSM 900/1800
25 days battery backup
7.5 hours of non stop talk time
Blacklist facility to block unwanted calls
500 phone book memory
Hindi, English twin language support
FM radio
8 games
Pre loaded singtones
Polyphonic ringtones
2*5 minutes of voice recording facility
Currency and unit converter
Calendar
World clock
Alarm Clock
Stop Watch
Health Checker (BMI, Menstrual)
To Do list

This mobile phone is targeted to both mid and lower segment market which is 60-70 % of total mobile market in India. A mobile phone with such a powerful battery backup and user friendly features is certainly an asset to any user.

LIC Housing Finance Lauching Reverse Mortgage Scheme

LIC Housing Finance Ltd., who is a major Home Loan provider in India is going to launch Reverse Mortgage Scheme in coming month for senior citizens. In this scheme, senior citizens above 60 years of age would get loans against house or property. Loan amount will be considered according to the age of customer, rate of interest and value of property.

Reverse Mortgage scheme is a financial scheme in which a loan is provided by the lender against the value of the property. Loan amount can be borrowed in lump sump or in installments The loan amount is repayable by selling the property either on the death of the owner or at the end of mortgage tenure.

Reverse Mortgage scheme will benefit aged couples who don't have anybody to look after or don't have any source of income.

LIC hosing finance will provide loan by assessing the value of property and loan amount would be between 40 to 75 percent value of property under reverse mortgage scheme. Loan will be offered at fixed interest rate, and will be reviewed after five years.

Loan amount received by senior citizens under reverse mortgage scheme will remain tax free as announced by Finance minister in the budget this year.

Further readings:
Love traveling and adventure? Stay in budget hotels >
Drink black tea to reduce the risk of cancer >
Not breastfeeding? Let your baby die? >

Microwave Recipe: Stuffed Mushroom

Microwave Recipe: Stuffed Mushroom: Stuffed Mushroom are served as starters. Here is the recipe to prepare in Microwave oven.

Ingredients you need:

Fresh Mushroom 100 gms.
Chopped Onions 1 no.
Salt, Pepper as per taste
Chopped walnuts 1/4 cup
Cream 2 tsp
Butter 2 tsp
Crushed Ajwain 1/2 tsp

Method of preperation:

Wash Mushroom and remove the stem. Chop the stem finely. Mix the walnuts, onions, half of the butter and the seasoning. Fill into the Mushroom caps, spread the remaining butter over it. Arrange Mushroom on a plate and keep it on Grill stand. Keep it in Combi-2 mode for 15 minutes. Now it is ready to serve. Serve it with Mustard sauce and green salad. Enjoy....

Read other Microwave recipe's:
Grilled Fish >
Spicy potato salad >
Mushroom Soup >
Mexican Rice >
Chiken Soup >

Microwave Recipe: Rasam, a south Indian Dish

Microwave Recipe: Rasam, a south Indian Dish Tomato Rasam is a very delicious south Indian dish. It's recipe to prepare in microwave is as follows:

Ingredients:

Tomatoes 3-4 nos.
Water 5 cup
Garlic cloves 5-6 flakes
Pepper corn 5-6 nos.
Salt to taste
Water 1 cup
Tamarind 50 gms
Rasam Powder 2 tsp
Oil 1 tbsp
Dry red chillies 3-4
Curry leaves 5-6 nos.

Method:

Place tomato, garlic and pepper corn with water in a microwave safe bowl. Microwave it for 5 minutes, strain and keep it aside. Microwave the tamarind in one cup of water for 5 minutes. Allow it to cool. Strain and retain the extract, pour it in tomato juice. Now heat oil in a microwave safe bowl for one minute and add mustard seeds, dry red chillies, curry leaves and microwave on 80 % power for 2 minutes. Add the strained tamarind extract to it. Add Rasam powder, salt and mix it well. Microwave it for 5 minutes. Stir well and it is ready to serve. Serve hot.

Other microwave recipe:

Tomato Soup >
Chicken Soup >
Mushroom Soup >
Sweet Sour sauce >

Few tips for Domain name purchase

There are many different reasons why you would want to make a domain name purchase. Some people do this as the first step of their Internet business, while others wait until after they have a better grasp of their business strategy, plan and direction. Whenever you decide to do it, at some point you will have to purchase your domain name. And while the process is actually very straightforward, the choices that you make can be quite complex. Here is a basic rundown on your purchase, domain name features and choices that you have available to you.

In order to find your domain name, you should first run a search to make certain that the name you have chosen is available. Many people are surprised, especially if it is their first time purchasing a domain to find that many names are unavailable. In fact, at one particular time, up to 80,000 of these domain names were being sold on a daily basis. It didn't take long until almost all of the good one and two name domains were taken. Fortunately, there are always options.

One of the best things that you can do when deciding on a domain name is to be a bit creative. Of course, if you are attempting to have your domain name match an existing business, purchasing a domain with your business name in the URL is very important.

If, however, you are starting a new business on the Internet, you might find that coming up with a catchy domain name far outweighs having one that is descriptive in nature. Think of the website "google.com", for example. That particular name has nothing to do with searching the Internet, but through smart and clever branding, the name "Google" is now synonymous with Web search.

One of the next things you're going to have to decide is if you are going to get a .com, .net, .org or any of the other available extensions. If you plan on branding your name in one way or another, you most certainly should look for a .com as it is the most widely recognized domain name extention. Going back with our example of Google, many people will tell you that they went to Google, not that they went to Google.com. The extension is simply understood. Unless it is absolutely necessary, you may want to stay away from the less recognized extensions, such as .info or .biz.

Once you have finally found the domain name that you plan to use, purchasing it is a simple matter. You only need to choose a domain registrar and then register your new domain through them.

Your domain may be purchased for as little time as one year, up to 10 years or more in advance. However, for several reasons we won't go into here, purchasing the domain for at least a three-year term is recommended.

All that is necessary from the point of purchasing your domain, is to direct it to your Web server and then upload your website. From there, you will continue to work your business from behind the scenes and build your way to success.

Kimberly Clay is a successful business woman with over twenty years of experience and success to her credit. She is an online entrepreneur with a passion for educating and helping others to develop online success and create wealth. For more information, visit Domain Name Management or her blog at http://www.blog.GetMyWealthNow.com

Microwave Recipe: Chinese Fried rice

Microwave Recipe: Chinese Fried rice: Do you love Chinese dishes. Yes! then note down the recipe of Chinese fried rice.

Ingredients:


Rice 1 cup ( soaked for 1/2 an hour)
Water 2 cup
Cabbage 1/4 cup
Onion 1 pc.
Beans 4-5 nos.
Capsicum 1 Chopped with vegetables
Carrot 1
Vinegar 2 tsp
Soya sauce 1/2 tsp
Salt To taste
White pepper 1/2 tsp
Oil 2 tbsp

Method :

Take oil and chopped vegetables in a microwave safe dish and microwave for 2 Minutes.
Add all the ingredients with water, and microwave it for 15 minutes. Give standing time.
Its now ready to serve. Enjoy its called Chinese fried rice.

Other delicious recipes:

Chicken biryani >
Mexican Rice >
Sweet Rice >
Shahee Kheer >

Microwave Recipe: Grilled Fish

Microwave Recipe: Grilled Fish

Grilled fish is a low calorie dish. It becomes very tasty when grilled. So here is the recipe:

Ingredients you need:

Whole fish 500 gm
Onion paste 3 tbsp
Chilli paste tbsp
Ginger/ Garlic paste 2 tbsp
Lemon juice 1 tbsp
Vinegar 1 tbsp
Edible red colour 1 pinch
Oil 1 tbsp
Salt and pepper to taste

Method:

First wash and clean the fish properly and make deep cuts on both sides.

Mix all the ingredients (except oil) and apply this mixture on both side of fish.

Keep it in refrigerator to marinate for at least an hour.

Place the marinated fish in a microwave safe shallow dish and microwave it at 60% power for 5-6 minutes.

Now brush oil on both side of fish an put it on Grill rack. Grill the fish for about 10-15 minutes. Turn in between until it becomes golden brown on both sides.

Serve it with chutney and salad. Enjoy :-)

Other Non Vegetarian Recipes:
Nawabi Kabab >
Chicken Soup >
Roasted Chicken >
Chicken biryani >

Microwave recipe: Saboodana Kheer

Microwave recipe : Saboodaana Kheer: Saboodaana Kheer is very light dish, easy to digest and loved by little angels. Here is the recipe to prepare in microwave:

Ingredients are:

Saboodaana 1 tsp
Sugar 1tbsp
milk 1 cup
Fresh cream or
Chopped malai 2 tbsp

Method:

Wash saboodaana properly and soak for 15-20 minutes.

Mix all ingredients together in a deep microwave safe bowl and microwave it at 100% power for 4-5 minutes. Do not cover it. Stir in between.

Again microwave it covered at 50% power for 2-3 minutes.

Give standing time and serve it lukewarm.

Other microwave recipes:

Sweet Rice : a punjabi sweet dish >
Carrot Halwa >
Shahee Kheer >
Suji Halwa >