Latest news and Worldwide Tv News Update: February 2012

Wednesday

Womens Day Special Sex Tips Yoga Poses That Improve Your Sex Life

Yoga Poses That Improve Your Sex Life
Spend time on the mat in order to prime your mind and body for romance
By Jill Provost

Has your love life gone from sizzle to fizzle? You don’t have to memorize the Kama Sutra to spice things up between the sheets. In fact, it’s the positions you assume outside the bedroom that could really heat things up. According to research in The Journal of Sexual Medicine, sexually dissatisfied women who took up yoga and practiced mindfulness techniques reported higher levels of arousal and desire, and better orgasms. To reap similar benefits, perform the 10 poses below at least three times a week, spending a minute or so in each position. If this is your first time practicing yoga, don’t worry; we’ve linked each pose to a video tutorial so you can learn them at your own pace.

Wide-Legged Straddle Pose (Upavistha Konasana)

“This move is good for low libido,” says yoga instructor Kate Hanley, author of The Anywhere, Anytime Chill Guide. “It improves blood flow to the pelvic area, and where the blood goes, so do energy and vitality.” Research shows that below-the-belt circulation is directly linked to arousal. The more blood coursing through your veins, the higher your “state of enlightenment.” See the move here. Photo: Shutterstock

Shoulder Stand (Salamba Sarvangasana)

Sagging skin isn’t the only effect of the Earth’s downward pull. The lower half of your body is more likely to suffer from sluggish circulation because the blood returning to your heart faces an uphill climb. Beat gravity at its own game by flipping upside-down. According to Hanley, this pose works on many woes that can plague a healthy sex life. “It relieves fatigue, calms the mind, lessens symptoms of depression and anxiety, and eases digestive problems,” she says. See the move here. Photo: Shutterstock

Child’s Pose (Balasana)

“Many women are so in their head that they can’t get into their body,” says Ellen Barrett, yoga instructor and author of Sexy Yoga. When your mind gets in the way of a good romp in the hay, try this pose to help you focus and relax. “Everything that helps you to be in the moment is going to help you be more sensual,” she explains. Child’s pose is very soothing and can really tune the mind to the body. See the move here. Photo: Shutterstock

Lizard Pose (Utthan Pristhasana)

“Lizard is a great way to ease the hips open and calm the mind,” says Tara Stiles, yoga instructor and author of Slim Calm Sexy Yoga. Take long, deep breaths while resting in this position. “When your attention is focused on your breath instead of your thoughts, you are brought right into the moment, which helps for all sort of things, including time in between the sheets.” See the move here. Photo: Shutterstock

Womens Day Sex Tips 9 Ways to Initiate Sex

9 Ways to Initiate Sex
Jump-start your love life by learning how to put the moves on your man
By Denise Schipani

Read more: Initiating Sex - How to Initiate Sex - Woman's Day

You’ve heard all about the benefits of having sex—it can improve your health, help you sleep and, obviously, strengthen your relationship. And the best way to have more sex is to ask for it. But for some women, that’s easier said than done. It may be because you can’t figure out a way to get the message across, or you’re exhausted, shy or just plain out of practice, says Aline Zoldbrod, Ph.D., sex therapist and author of Sex Talk. No matter what the reason, if you’re not sure how to give your man the hint, read on for nine tips to initiate romance.

1. Put it in writing.

Sometimes, saying, “I want you, now” out loud can feel intimidating or embarrassing, especially if that kind of talk doesn’t come naturally to you, says Tammy Nelson, Ph.D., a couples and sex therapist and author of Getting the Sex You Want. But writing down your desires can help shake off your inhibitions, since you can get your point across without face-to-face contact. Pop a note in your husband’s coat pocket before you leave for work, send him an email (to his personal account!) or tap out a quick text message. What you say depends on your relationship, but, “Try to break out of your comfort zone to help build erotic anticipation,” says Dr. Nelson. Texting things like, “Can’t wait until tonight,” or “Having a naughty thought about you right now” can work to build excitement for what’s to come. Or, Dr. Nelson says, you can be more graphic than you might feel comfortable doing in person, saying something like, “Tonight, I’m getting into bed naked and will do XYZ to you…” Photo: Yuri Arcurs/Thinkstock

2. Establish an “I’m in the mood” code.

Between the two of you, come up with a word or phrase that is a secret call for sex. “Make it something that you can say in front of your kids, or even your in-laws,” says Dr. Nelson. The contrast between how ordinary the code sounds to others and what it really means to you stirs up excitement and fosters intimacy. Try something like, “Honey, can you help me balance the checkbook later?” or, “I really have a headache!” Photo: Thinkstock

3. Get—and stay––in the mood.

When it comes to summoning sex, getting yourself in the mood is half the battle. “You are more likely to initiate sex later if you pay attention to your own feelings first,” says Dr. Zoldbrod. Look at some erotic images, such as those in the Kama Sutra, or read a few passages from a favorite romance novel to put you in a sexual state of mind. If that’s not your speed, just spend some time thinking in detail about the last time you had sex, which will help rev your appetite. Dr. Zoldbrod also recommends going for a walk to boost endorphins, wearing lingerie to work or even thinking about your favorite celebrity crush. By reminding yourself to keep sex at the forefront of your mind all day, the positive vibes will last well until bedtime, inspiring you to make a move. Photo: Thinkstock

Women's Day Special sex tips 10 Exercises for Better Sex

Boost your bedroom skills by adding these moves to your exercise routine
By Sarah Jio

Read more: Exercises for Better Sex - Sexual Health at WomansDay.com - Woman's Day

Want to improve the quality of your sex life—or just have better luck getting in the mood? Start with fitness! Our experts share the moves they recommend most for ramping things up in the bedroom.

Squats

You already know this move as a terrific leg and butt toner, but did you know that it can also get the blood flowing to the places that may energize your libido? “Sometimes your heart might be there, but you don’t feel anything in the ‘southern hemisphere,’” explains Debbie Mandel, MA, a stress and fitness expert and the author of Addicted to Stress: A Woman’s 7-Step Program to Reclaim Joy and Spontaneity in Life. “Many women need a little physical help with arousal to get blood flowing to the genitalia.” She suggests squats. With your feet spread shoulder-width apart, “make sure your heels stay on the floor as you ‘sit’ on an imaginary chair,” she explains. “The lower you squat, the more you recruit your glutes and reap the benefits. Push off from your heels and hold your abdominals in tightly [as you return to standing position].” Do them slowly, aiming for 15 to 30 reps. Photo: Cavan Images/Getty Images

Happy Baby Pose

Limberness goes hand in hand with great sex—after all, who wants to deal with aching legs or a stiff lower back while in the heat of the moment? That’s why Marta Montenegro, MF, MS, CSCS, NSCA-CPT, a fitness expert and the creator of the fitness DVD series Montenegro Method, suggests certain stretches to prepare you for agility between the sheets. “One of the most common reasons for lower back pain is tight hamstrings and hip flexors,” she says. “Also, after spending eight hours asleep, there is a natural inflammation of the spinal discs due to the increase of the homeostatic pressure.”

The happy baby pose to the rescue! “It will stretch the spine while loosening up the adductor muscles and the hamstrings, which are heavily compromised in traditional positions such as the missionary,” she says. Lie on your back with your knees bent toward your chest. Grasp the outside of each foot with your hands, allowing the knees to drop down toward the floor. Align your ankles with your knees so that the shins are perpendicular to the floor. Apply downward pressure with your hands to encourage deeper opening. You can allow the tailbone to curl up off the floor slightly to decompress the lower back. Hold the pose for three to five minutes.Photo: Thinkstock

Pelvic Tilts

Want a move that will strengthen the muscles you use most during intercourse? Try the pelvic tilt. “Women tend to suffer from lower back pain, and this sometimes affects sexual positions as well as desire,” says Mandel. “Pelvic tilts give you a bonus of core strength and strengthening the lower back.” Lie on your back with knees bent and feet flat on the floor, shoulder-width apart. Raise your pelvic region in a straight line like a bridge. Hold your abdominals in while you tighten your glutes and push your inner thighs toward each other. Slowly lower to the floor and repeat, 20 to 25 reps, if possible. Photo: Ruth Jenkinson/Getty Images

Biceps Curls

How can you get toned, gorgeous arms and also boost your sex drive? Grab your hand weights and work in 15 to 20 reps of biceps curls! Here’s why: “Medical studies show that testosterone plays a role in sexual drive in both men and women,” explains Mandel. “Giving a woman with low libido testosterone is controversial, and could lead to undesirable side effects,” she says. “However, strength training increases levels naturally and is healthy too. The testosterone levels that are generated create the tipping point for desire.” And don’t worry—weightlifting is not going to give you facial hair or a lower voice. The testosterone that’s released is at healthy, natural levels. Photo: RUNSTUDIO/Getty Images

CBSE class XII board exams begin today

Seven lakh students are sitting for class XII of Central Board of Secondary Examinations (CBSE) this year that begin on Thursday.
The secondary and higher secondary board examinations for class 10 and class 12 will be held between March 1 and March 29.

2 fisherman killed in ship boat cllision in alappuzha

Breaking News about fisherman killed in alappuzha : 2 fisherman killed in ship boat cllision in alappuzha

Poonam Pandey, Poonam Pandey without bikini, Poonam Pandey hot

Internet sensation Poonam Pandey has partially done what she had committed last year- strip to nude! Though the lady has not gone full monty, she has posed topless for her fans.
Finally, Poonam Pandey strips for Team India

Finally, Poonam Pandey strips for Team India

“Finally on Public demand Sharing a pic #PoonamPandeyWithoutBikini Tweethearts!! Thanx for Loving me so Much .. Luv u all .. lot more to come in future its just a Trailor "Picture Abhi Baaki hey Mere Tweethearts"(sic).” And it seems as if she has a surprise in store for her fans.

POONAM PANDEY LATEST PICTURE, POONAM PANDEY HOT PICTURE, POONAM PANDEY BIKINI PICTURE

I am a New Generation Girl!!! 19 year Model from Mumbai, india & THE MOST DOWNLOADED MODEL ON THE INTERNET

Poonam Pandey ‏ Finally, Poonam Pandey strips for Team India

Handle stress like a dog; if you can’t eat it or play with it, just piss on it and walk away .. GM Tweethearts!!!

India V/S Sree lankha match high light | veerad kohli performance

STAR HOME LOANS - Bank Of India Festival offer

1 Provides loans to purchase a Plot for construction of a House, to purchase/construct house/flat, as well as for renovation/ repair/alteration/addition to house/flat, furnishing of house.

2 Maximum loan amount is Rs.300 lacs and repayment ranges upto 20 years, with reasonable margin and nominal processing charges. No commitment /administrative charges.

3 The loan is available at very competitive rates of interest, currently available in the industry.

4 Option for different EMI amounts for different periods during tenure of loan to suit customers repayment capacity.

5 Prepayment of Loan permitted

6 Interest is calculated on daily balance basis which is of great advantage to customer as it results in lower interest amount.

7 Loan to NRIs as well as Persons of Indian Origin.

8 Simplified application form/procedures for convenience of customers, and speedy approvals.

9 Free Personal Accident Insurance cover

10 Life Insurance Cover to borrowers for Loan Protection(optional)

11 Please visit our nearest Branch and avail loan to own your dream home

Eligibility Salaried employees , Professionals like Doctors Lawyers, Engineers , Chartered Accountants, Self –employed persons. Group of Individuals , NRIs, PIOs, HUF, Prop. Firm. Partnership Firm and Corporates(for purchase/construction of houses/flats for their employees).
Purpose
To Purchase / construct house / flat
To renovate /extend / repair existing house /flat
To purchase a plot of land and construction of house. (Composite Loan)
To acquire household articles along with house / flat for furnishing the house /flat
To take over housing loans extended by other banks/FIs /NBFCs
Quantum of Loan For Construction/ Purchase of a house/ flat –
At Metros (Mumbai/Delhi/Kolkata/Chennai) – Rs.500 lacs. Other Places Rs.300 lacs.
For repair/renovation / extension /addition to house / flat – Rs 50 lacs.
For purchase of a plot – Rs 100 lacs (part of composite loan)
For furnishing the house / flat -15% of Home loan, max. Rs 5 lac.
Loan eligibility :

Salaried employees : 72 times of gross monthly salary or 6 times of gross annual income based on I.T.Returns
Self –employed Professionals /Individuals engaged in Trade / Commerce / Business : 6 times of gross annual income based on I.T. Returns
HUF/ Proprietorship / Partnership Firm / Company ; 6 times of cash accruals (PAT + Depreciation) as per their balance Sheet / P&L account
Other stipulations :

In case of Individuals : Net take home pay/Income (net of EMI on proposed Home loan) Min.40% of Gross pay/income
In case of HUF/ Prop / Partnership firm / Company/DSCR: Min 1.5
Margin :
1st House 2nd & subsequent house
For limits upto Rs 20 lacs 20% 25%
For limits over Rs 20 lacs upto Rs 50 lacs 25% 30%
For limits over Rs 50 lacs 30% 40%
of the project cost, i.e. cost of construction / acquisition /renovation/ extension /repair etc.

cost incurred for purchase of plot and / or Pledge of liquid securities like Bank TDRs /NSCs/ KVPs etc. (to the extent of face value only) can be treated as margin.

Repayment :

Maximum 20 years including moratorium period of 18 months in equated monthly installments
Progressive / Step-up EMI also permitted.

Processing charges
For Individuals - For Loans upto Rs.25 lacs One time @ 0.50% of loan amount – min.
Rs.4000/- and max. Rs.10,000/-
For Loans over Rs.25 lacs upto Rs.75 lacs - One time flat Rs.20,000/-
For loans over Rs.75 lacs upto Rs.300 lacs - One time flat Rs.25,000/-
For loans over Rs.300 lacs - One time flat Rs.50,000/-
For Firms/Corporates - charges double that of Individuals
For Rural Areas - 75% of charges that of applicable to individuals for borrowers of rural areas from Rural Branches.
Conversion Charges
For switch over from fixed to floating or vice-versa:
i. Fixed to Floating ROI:@0.25% p.a on o/s balance for the remaining maturity of the loan;
(Maximum Charge :2.10% of the outstanding balance )

Documentation charges Rs.1000/-
Other Charges Charges applicable in case of deviation of Rs.5,000/- per deviation from scheme norms. Stipulated charges for availing switch over from floating to fixed and vice versa.
Rate of Interest

Floating-p.a at monthly rests (Under Festival Offer valid upto 31.03.2012):-

Upto 5 years

>5 -10 years

>10-15 years

>15-20 years

Upto Rs.25 lacs

Base Rate

Base rate

Base Rate

Base Rate

>Rs.25 lacs to Rs.75 lacs

0.25% >BR

0.25% >BR

0.25% >BR

0.25% >BR

>Rs.75 lacs

0.75% >BR

0.75% >BR

0.75% >BR

0.75% >BR

Rate of Interest –Floating (Normal Rate of Interest)

Upto 5 years

>5 -10 years

>10-15 years

>15-20 years

FOR LIMITS UPTO RS.25 LACS:

Base Rate

Base Rate

0.25%>BR

0.25%>BR

FOR LIMITS OVER RS.25 LACS BELOW RS.75 LACS :

0.25%>BR

0.50%>BR

0.75%>BR

1%>BR

FOR LIMITS OF RS.75 LACS & ABOVE

0.75% >BR

1%>BR

1.25%>BR

1.50>BR

Interest on daily reducing balances. Interest applicable to residents as well as non-residents.

Present Base Rate is 10.75% p.a. w.e.f 28.07.2011
Salient Features –
Higher loan eligibility ; * Flexible EMI ; * Competitive Interest Rate;
No 3rd Party Guarantee – where mortgage is available before disbursement;
Free Personal Accident insurance Cover (Death and Permanent disablement);
Optional Life Insurance Cover from Star Union Dai-ichi LIC Ltd;
No Pre-Payment charges[Pre-Payment charges in case of take over of accounts abolished w.e.f 16.12.2011];No hidden charges;
No Administration fees ;* No commitment charges;
Terms and Conditions apply.Loan at the sole discretion of Bank of India.
For further information, you may contact nearest branch of the Bank.

Download document Read more

Education Loan India | Student Loans | Educational Loan

Star Education loan that cares for careers

1.OBJECTIVE & PURPOSE:

The Star Educational Loan Scheme aims at providing financial support from the bank to deserving/ meritorious students for pursuing higher education in India and abroad. The main emphasis is that every meritorious student is provided with an opportunity to pursue education with the financial support on affordable terms and conditions.

2. ELIGIBILITY CRITERIA:

a) STUDENT'S ELIGIBILITY:
Should be an Indian National;
Secured admission to professional/technical courses in India or Abroad through Entrance Test/Merit based selection process.
Good academic career.
The student should not have outstanding education loan from any other Institution.
Father/Mother should be co-borrower.
Branch nearest to the permanent residence of student will consider the loan.
b) ELIGIBLE COURSE: (i) Studies in India (Indicative list):
Graduation courses : BA, B.Com., B.Sc., etc.
Post Graduation courses : Masters & Phd.
Professional courses : Engineering, Medical, Agriculture, Veterinary, Law, Dental, Management, Computer, etc
Computer certificate courses of reputed institutes accredited to Department of Electronics or institutes affiliated to university.
Courses like ICWA, CA, CFA, etc.
Courses conducted by IIM, IIT, IISc, XLRI, NIFT, NID and other Institutes set up by Central/State Govt.
Evening courses of approved institutes.
Other courses leading to diploma/degree, etc. conducted by colleges/universities approved by UGC/Govt./AICTE/AIBMS/ ICMR, etc.
Courses offered by National Institutes and other reputed private institutions with prior approval of Head Office.
Courses offered in India by reputed foreign universities with prior approval of Head Office.
Note : 1. Professional courses not approved by AICTE and conducted by Institutes not recognised by State Universities is outside the purview of the eligibility under the scheme.
2. Special scheme for students admitted to IITs, at concessional rate of interest.

(ii) Studies abroad:
Graduation : For job oriented professional/technical courses offered by reputed universities.
Post Graduation : MCA, MBA, MS, etc.
Courses conducted by CIMA - London, CPA in USA, etc.
3. EXPENSES CONSIDERED FOR LOAN :
Fee payable to college/school/hostel*
Examination/Library/Laboratory fee.
Purchase of books/equipments/instruments/uniforms.
Caution deposit/building fund/refundable deposit supported by Institution bills/receipts.
Travel expenses/passage money for studies abroad.
Purchase of computers - essential for completion of the course.
Insurance cover for the student.
Any other expense required to complete the course - like study tours, project work, thesis, etc.
* As per brochure/ demand letter from the institution.
4. QUANTUM OF FINANCE :
Need based finance subject to repaying capacity of the parents/students with margin and the following ceilings :
Studies in India - Maximum Rs.10.00 lakh
Studies abroad - Maximum Rs.20.00 lakh.

5. MARGIN :
Upto Rs.4 lakh : Nil
Above Rs.4 lakh - Studies in India : 5%
Studies Abroad : 15%· Scholarship could be included in margin.· Margin to be brought in on year to year basis as and when disbursements are made.

6. SECURITY:

Upto Rs. 4 lakh : No security

Above Rs.4 lakh &upto Rs.7.5 lakh : Collateral security in the form of a suitable third party guarantee.

Above Rs.7.5 lakh : Co-obligation of Parents together with tangible Collateral security of suitable value alongwith the assignment of future income of the student for payment of installments.

Note : The security can be in the form of land/building/Govt. Securities/Public Sector Bonds/NSC/KVP/LIP/ Banks Term Deposit etc.,in the name of Student/Parent/Guardian/Guarantor with suitable margin.

7. RATE OF INTEREST*: (w.e.f. 28.07.2011) (Floating)

Upto Rs.7.50 lacs – 3% above Base Rate, presently 13.75% p.a.

Above Rs.7.50 lacs – 2.50% above Base Rate,presently 13.25% p.a.

Int. Concession of 0.50%p.a. for woman beneficiaries for limits upto Rs.50,000/- and 1% for limits over Rs.50,000/-

For Professional courses (like Engg./Medical/ Management, etc.) int. concession : 0.50%

1% int. concession if interest is serviced during moratorium period, where repayment holiday is specified for interest/repayment under the scheme (concession available for moratorium period only)

Simple interest during the repayment holiday/moratorium period. Penal interest @2% for loans above Rs.4 lakh for the overdue amount and overdue period.

No processing charges.

One time charges for any deviations from the scheme norms including approval of courses outside the scheme -

Upto Rs.4.00 lacs - Rs. 500/-

Over Rs.4.00 lacsupto Rs.7.50 lacs - Rs.1000/-

Over Rs.7.50 lacsupto Rs.20.00 lacs - Rs.2000/-

In respect of loans availed by borrowers from rural areas from the Rural Branches – Charges Nil

8. INSURANCE : All the student borrowers are offered a specially designed Term Insurance cover and the premium can be included as an item of finance.

9. REPAYMENT:

Repayment holiday/Moratorium : Course period + 1 year or 6 months after getting job, whichever is earlier.

The loan is to be repaid in 5-7 years after commencement of repayment.

10. BANK CHARGES:

Processing/upfront charges

For Studies in India- NIL.

For Studies Abroad – Rs.1000 for issuance of sanction letter for obtention of VISA. Amount refundable on availing loan.

Document /Stamp Charges

At Actuals

Change of Institution

Studies in India – Rs.250/-

Studies Abroad- Rs.500/-

One time charges for any deviations from the scheme norms including approval of courses outside the scheme –

Upto Rs.4.00 lacs - Rs.500/-

Above Rs.4.00 lacs to Rs.7.50 lacs - Rs.1,000/-

Over Rs. 7.50 lacsupto Rs.20.00 lacs – Rs.2,000/-

In respect of loans availed by borrowers from rural areas from the Rural Branches – Charges NIL.

11. OTHER CONDITIONS :

i) Loan to be disbursed in stages as per requirement / demand, directly to the Institution/ Vendors of books/equipments/instruments to the extent possible;

ii) Student to produce mark list of previous term/semester before availing next installment ;

iii) Student / Parent to provide latest mailing address, in case of any change ;

iv) Student /Parent to inform Branch immediately on change of course /completion of studies/termination of studies/ any refund of fees by college /institution /successful placement /obtention of job/change of job etc.,

On Line facility available for submission of application, tracking of application status and resume completion of incomplete application .

For further information, you may contact nearest branch of the Bank. Loan at the sole discretion of Bank of India.

Apply Online Now Click Here Read More study Loans

UPSC Preliminary Civil Services Examination 2012

The Union Service Public Commission (UPSC) will conduct the Civil Services (Preliminary) Examination 2012 on May 20, 2012 for recruitment to the Indian Administrative Service, Indian Foreign Service, Indian Police Service and certain other Group 'A' and Group 'B' Central Services / Posts. The examination will be held at various centers across the country.

Candidates must apply online using the Union Service Public Commission website. In case of any difficulty in filling up of the on-line application form, candidates are advised to contact the facilitation counter of the Commission or over telephone no. 011-23389366 / Fax No.011-23387310, on working days during working hours.

For more information visit : http://www.upsc.gov.in/

ibps clerk result 2011 declared

Latest information related with ibps clerk result 2011. ibps clerk result 2011 has been announced. ibps clerk result 2011 can easily be downloaded from following links. It is very easy to see ibps clerk result 2011. Yes friends ibps clerk result 2011 has been released. You can see youribps clerk result 2011here. Just Check it here for ibps clerk result 2011. click here and download your result Click Here And Read More

NSS FORMER GENERAL SECRETARY P K NARAYANA PANICKER PASSES AWAY

P.K. Narayana Panicker, General Secretary of Nair Service Society and a dominant public figure in Kerala for the last several decades, died at his home at Changanassery near Kottayam on Wednesday, NSS sources said.

He was 82 and had been keeping indifferent health for quite some time, sources said.

Monday

No Tendulkar, Sehwag for Asia Cup: Reports

New Delhi: India's poor form in the CB series has left the national team selectors in a quandary for the selection of the team for the Asia Cup.

Reports suggest Virender Sehwag and Sachin Tendulkar will not be a part of the squad that will be announced on Wednesday, 29 February.

Latest news and Worldwide Tv News Update