Top 25 FREE programs you should know about

The top 25 Free Programs

There are thousands of pieces of software on the Internet offered for free. Some of them very good and some of them very bad. Here is our toplist of 25 free bits of software you should know about from anti-virus programs to useful utility’s and browsers. Feel free to comment about your favorite bit of freeware and what makes it so good and dont forget to give us a link to it.

1. Avast – Download here

Avast is a free anti-virus program that is widely used by home users (estimated 180 million users in September 2012). Avast is available free for non-commercial use but other versions that are not free are available. In 2012 it made it into the top 10 of most downloaded programs on CNET.

2. AVG –  Download here

AVG is a free anti-virus program used to detect and remove malicious items from a computer. AVG is a widely used anti-virus program with millions of downloads worldwide. It is available for non-commercial use but other version that are not free are available

3. Avira – Download here

Avira is the 3^rd anti-virus program in our list simply because anti-virus is so important nowadays. Again it is free for home (non-commercial use) and is widely used and recognised as one of the best anti-virus programs available.

4. Comodo - Download here

Comodo is a free firewall program for those who want more than the firewall that comes with the operating system. Easy to use with a clear user interface makes it great for those more security conscious or who are not happy with security suites and prefer their ant-virus and firewall separate.

5. MalwareBytes – Download here

Malwarebytes is an effective malware removal tool with high detection rates and fast scans. It is worth noting that the free version does not have real time protection so it is something that has to be run manually.

6. SuperAntiSpyware – Download here

This is another effective tool in the fight against spy-ware. Includes quick, full and custom scanning. It is also light on resources. It is worth noting that the free version does not have real time protection so it is something that has to be run manually.

7. Open Office – Download here

Open office is an open source office software suite which includes the following tools: word processor, spread sheet, presentation, database and more. The program can also read and save as popular .doc extensions as well as many others. It is freely available and has no restrictions on use.

8. CCleaner – Download here

CCleaner is system utility for scrubbing your system. It helps to clean up junk, temporary files, history, broken shortcuts and a host of other problems quickly and effectively. It is freely available but has no support.

9. Defraggler – Download here

Defraggler lets you defragment your hard drive in essence speeding up your PC by reorganising files into a system that makes them quicker to access. It is freely available but has no support.

10. 7-Zip – Download here

7-zip is open source software and is a file archive tool

11. Skype – Download here

Skype is a widely used program for communicating with friends and family from all over the world for free!

12. GnuCash – Download here

GnuCash is personal and small business accounting software freely available and feature packed.

13. My Lockbox – Download here

My Lockbox allows you to hide, lock or password protect almost any folder on your computer.

14.LogMeIn – Download here

LogMeIn allows you to control a computer from another computer connected to the Internet. For example control your work PC from home.

15.Filezilla – Download here

Filezilla is a fast and reliable FTP client that allows you to transfer files between websites and your computer.

16.TrueCrypt – Download here

TrueCrypt is free open source software disk encryption software for securing your confidential files.

17.CutePDF – Download here

CutePDF is free software that enables you to output to PDF documents via the print function.

18.Firefox – Download here

Firefox is a free and open source web browser. It is fast has a friendly user interface and is regularly updated.

19.Google Chrome – Download here

Google chrome is another freeware web browser.

20.Thunderbird – Download here

Thunderbird is an email client that can be used as an alternative the windows mail.

21.VLC media Player – Download here

VLC media player is a free cross platform media player that can play most multimedia files and various streaming protocols.

22.ITunes – Download here

ITunes is a popular digital media player and store used for downloading, playing saving and organising music and video as well as audio books and pod casts.

23.Audacity – Download here

Audacity is a free and easy to use audio editor and recorder for multiple platforms. Among other things it enables you to record live audio, convert tapes and records, mix sounds and more.

24.Easeus Todo – Download here

Easeus Todo is a free to use backup utility. It also offers the ability to clone you hard drive for backup purposes or upgrades.

25.Dropbox – Download here

Drop box is a free (2GB) backup service that allows you to backup you photos, documents, and videos and access them from anywhere. Note that the free version is 2GB see our data post if you are not sure how much 2GB is here.

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POSB Interest_calculator new version included RD PMC & PMI Calculation Download from here...

https://www.box.com/s/hxmjyc7ifnxid5wpkzft

Interest_Calculator 01.04.2013.xls - File Shared from Box - Free Online File Storage

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Updated as per revised rates

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Comparison between New Pension Scheme & Old Pension Scheme

New Pension Scheme (Defined Contributory Pension Scheme) PRELIMINARY STUDY REPORT Presented by K.V.RAMESH, SSE/ICF JGS (Finance & Administration) /IRTSA

Pension - Greatly Valued Pension is valuable in the sense that it is secure. Supreme Court held that pension is a valuable right vested in a Govt. servant. Refusal, reduction, forfeiture of pension not allowed unless on extreme conditions. Pension is secured against attachment & seizure.

Defined Benefits Pension & GPF  (prior to 1.1.2004) Pension   Commutation of Pension   Retirement Gratuity   Death Gratuity   Service Gratuity   Leave Encashment   Family pension   Group Insurance

Types of Pension (1) Superannuation calculated as 50% of average emoluments of last 10 months salary drawn subject to the minimum of Rs.3500 and maximum of Rs.45000. (2) Family Pension At the rate of 30% of basic pay subject to the minimum of Rs.3500 and maximum of Rs.27000. (3) Voluntary Retirement (VR ) Maximum of 5 years weightage in the Qualifying Service

COMMUTATION OF PENSION Can commute a lumpsum payment not exceeding 40%. Reduced pension in proportion to the % of commutation and age factor. Commuted portion of pension shall be restored after the completion of 15 years. Lumpsum amount received on commutation of pension is not liable for Income tax. Dearness relief calculated to the original pension not on the reducedpension.

Gratuity Retirement Gratuity: Admissible (along with pension) on retirement after completion of 5 years of qualifying service.  Calculated @ 1/4th of a month’s Basic Pay + DA for each completed six monthly period of qualifying service. Maximum retirement gratuity payable is 16. times of emolument limited to Rs. 10 lakhs.  Death Gratuity: Payable to the nominee in the event of employees death.  Service Gratuity: entitled for service gratuity (and not pension) if total qualifying service is less than 10 years.

New Pension Scheme(Defined Contributory Pension Scheme) Salient Features Operational with effect from 1.1.2004. Implemented by Central Government and 22 states. Existing provision of Defined Benefit Pension & GPF would not be available to new Govt. servants joining service on or after 1.1.2004. Will have tiers – Tier-I & tier-II. CONTRIBUTION TO TIER-I  10% of BP+DA contribution by the Govt. servant every month. Equal matching contribution by the Government. Kept in the non-withdrawable Pension Tier-I account. Tier-II voluntary contribution will be kept in a separate withdrawable account. The scheme is implemented by Central Record keeping Agency & Several Pension Fund mangers. An independent Pension Fund Regulatory and Development Authority (PFRDA) will regulate the pension market.  Permanent Retirement Account Number (PRAN) allotted after 1.4.2008.  Govt. servant can exit at or after 60 years of age.  60% of pension wealth can be withdrawn lumpsum.  40% of pension wealth to be invested in annuity - mandatory – to provide pension for life time for self and dependent. To leave the scheme before 60 years of age 80% of pension wealth mandatory for investment.  Benefit of Invalid pension, Disability pension, Family pension, Extraordinary Family pension are extended.  Retirement Gratuity for discharge from duty due to Disease / Injury or invalidation also extended.

  

Six Pension Fund Managers ICICI Prudential Pension Funds Management Company Limited IDFC Pension Fund Management Company Limited Kotak Mahindra Pension Fund Limited Reliance Capital Pension Fund Limited SBI Pension Funds Private Limited UTI Retirement Solutions Limited

  

Comparison of Earnings of Old Pension Scheme and NPS CIRCUMSTANCES ASSUMED Date of Appointment - 1.1.2006 Entry Grade - GP - 4200, PB-2, 9300 – 34800 VI CPC period - 1.1.2006 to 31.12.2015 VII CPC period - 1.1.2016 to 31.12.2025 (with the multiplication factor of 2.06 + 40% fixation) VIII CPC period - 1.1.2026 to 31.12.2035 (with the multiplication factor of 2.06 + 40% fixation) Dearness Allowance - Jan 2006 to Dec 2011 actual, From Jan 2012 to Dec 2015 assumed increase @ 6% every half year for the periods 1.1.2016 to 31.12.2025 & 1.1.2026 to 31.12.2035. Promotion / MACPS - First promotion/ MACPS during Jan-2016 and second promotion / MACPS during Jan-2026

Inflation proof for new Pension not available (Rs. in thousands)





Inflation proof for new Pension not available (Rs. in thousands)

THE

IMPLICATIONS

ARE 

QUITE DEEP

Right for dignified life stripped

• In a single swoop the idea of pensions being rights of workers, has been thrown into the neo-liberal dustbin.
• Fundamental issue of stripping of employees’ right to a life of dignity
• The return under NPS is market driven.
• There is no guaranteed/defined amount of return.
• The returns generated through investments are accumulated and is not distributed as dividend or bonus

Why Armed Forces kept away

• If the expected return under NPS is much higher than the return under existing old Pension Scheme, why does not the government allow the members of the Armed Forces to exercise this option? Armed force are the most valued functionaries of the nation. That the members of the Armed Forces are being kept under old pension scheme does indicate that there is something shady in the argument that NPS would earn better; at least the government itself is not convinced that NPS would give better benefits to its employees. One can never be sure that the returns from equities would always be better than the guaranteed returns.

Govt arguments not true

• While introducing the NPS, the Government had argued in the same way as one would find in the IMF Report (2001).
• Briefly speaking, the argument is that DBS is unsustainable because thepension expenditure is increasing at a very high rate.
• Thus, over 1993-94 to 2004-05, the pension expenditure of the GOI has increased by 21 per cent; for the state governments, the rate of increase is still higher (27 per cent over the same period).

Is DBS unsustainable in India

• What the Government did not mention is that the government’s pension expenses as a percentage of GDP is quite negligible in India (less than 0.1 per cent).
• In South Korea or in Hongkong it is about 2 per cent.
• In Italy, France and Germany where the coverage under DBS pension is wide, the pension expenses as percentage of GDP is much higher in these countries.
• In Italy it is 14 per cent; in France and Germany the ratio is 12 per cent. In Japan 9 per cent of the GDP is spent on DBS pension.
• One wonders how it becomes unsustainable in India where the expenses on DBS pension is so low.

NPS SHOULD GO

• The argument that DBS would render all governments ‘bankrupt’ thus appears to be untenable.
• Why should the small pensioners who usually do not have savings to tideover the crisis should be driven to uncertain situation?
• Global capital does not have any moral obligation to honour the right of the citizen to live with dignity even in the retired life.

Thank you
M. SHANMUGAM, Central President,
# 4, Sixth Street, TVS Nagar,
Padi, Chennai- 600050.
Email- cpirtsa@yahoo.com
Mob: 09443140817
K.V.RAMESH, Zonal Secretary, IRTSA,
G3-LIKITH HOMES, 3-Lakshmanan Nagar west street,
Peravallur, Chennai-600082
Email: rameshirtsa@yahoo.co.in
(Mob:9003149578, 09444100842

Source: http://www.irtsa.net

via : http://karnmk.blogspot.in/

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Postal Assistant / Sorting Assistant exam 21st April 2013 ,Questions with Answer Key (Booklets series D)

1. The present deputy chairman of Rajya Sabha is elected Member of Parliament from which state of India.                       Kerala (P.J Kurien)

2      The constitution of India was adopted on  26 November 1949

3     The present strength of rajya Sabha members is ___out of which ____are representatives of states and UT of delhi and pudhucherry and ___ are nominated by president. 245,233,12

4   Which of the following glands produces insulin in  human body    Pancreas

5 Which  of the following is food poisoning organism (A) Clostridium botulinum (B) Streptomyces fecalis   (C) Lacto Bacillus (D) None of these

6   Development of goiter (Enlarged thyroid gland ) is mainly due to deficiency of  Iodine

7        The emission of which causes global warming.    carbon dioxide

8  Who was adjudged player of the tournament by scoring most number of  runs in the tournament in women world cup cricket held recently. Suzie Bates

9  Who won the inaugural hockey India league ended in Ranchi recently?     Ranchi Rhinos

10     Wanchoo Committee  dealt with      Direct Taxes

11  Kyoto Protocol is       An International agreement to reduce the green houses gases

12 Kyoto Protocol is  Answer: An International agreement to reduce the green houses gases

13 India successfully completed its 101th space mission by lauching indo French satellite SARAL recently this satellite is for  Oceanographic Study

14  Government of India has recently granted “Maharatna” status to two more navratna Public  Sector  Enterprises which are the these new companies joining the club of maharatna Public  Sector  Undertaking          Bharat Heavy Electrical Ltd & Gas Authority of India Limited

15.   India newly built and tested missile “Astra” Meant for Air to Air Strike

16   The governor general who adopted a policy of Europeanization of bureaucracy and an exclusion of Indian from higher postsCornwallis

17.   During which movement bal Gangadhar tilak was given the epithet Lokmanya and Gandhiji give the slogan “Swaraj in a year” respectively         Home Rule Movement and non cooperation movement

18  Recently dargah muinudin chisti at Ajmer was in news due to visit of Pakistani prime minister dargah Muinuddin chisti at Ajmer was built by Alauddin  Khilji

19  Bauxite is an ore of  Aluminium

20    Which is one of the following is the land area I the extreme south of India. Cape Comorin near Kanyakumari

21.   The ozone layer lies in the     ------------------------------------------------------------------------------------- 22.   In union budget 2013-2014 “Voluntary Compliance encouragement scheme” was launched by government of India. This scheming is related to    Service tax

23  Economic survey 2012-2013 states that nonperforming assets of increased from 2.36% to 3.57% in September 2012. The description of nonperforming assets was with reference to which sector.  Banking sector

24 This is the rate at which reserve bank of India borrows money from commercial banks                  Reverse Repo rate

25 As per election  commission of  India, how many recognized national political parties are there in India.    6

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