your answers ???

Q1. If it took eight men ten hours to build a wall, how long would it take four men to build it?
A. No time at all it is already built.
**********

Q2. If you had three apples and four oranges in one hand and four apples and three oranges in the other hand, what would you have?
A. Very large hands.
**********

Q3. How can you lift an elephant with one hand?
A. It is not a problem, since you will never find an elephant with one hand.
**********

Q4. How can a man go eight days without sleep?
A. He sleeps at night.
**********

Q5. Why it is impossible to send a telegram to Washington today?
A: Because he is dead.
**********

Q6. If you throw a red stone into the blue sea what it will become?
A: It becomes wet.
**********

Q7. What often falls but never gets hurt?
A : Rain
**********

Q8. What is that no man ever saw which never was but always will be?
A : TOMORROW
**********

Q9. What looks like half apple?
A : The other half.
**********

Q10. What can you never eat for breakfast?
A : Dinner.
**********

Q11. What gets wet with drying?
A : A towel
**********

Q12. What 3 letters change a girl into a woman?
A : AGE.
**********

Q13. What happened when wheel was invented?
A : It caused a revolution.
**********

Q14. Why is it easy to weigh a fish?
A : Because it has its own scales.
**********

Q15. Why does a bike rest on its leg?
A : Because it is too tyred.
**********

Q16. Bay of Bengal is in which state
A : liquid
 **********

Q17. Approximately how many birthdays does the average Japanese woman have?
A. Just one. All the others are anniversaries.

Steps to Creating a Smart Financial Plan

Step 1: Discover Where Your Money Goes Now

The first and most important step to creating a financial plan is to develop a budget detailing where your money goes now. All you have to do is get yourself a notebook small enough to fit in a pocket or purse and carry it with you wherever you go. Every time you spend money, make a note detailing what you bought and how much it cost. For a more tech-savvy approach, there are a number of personal finance apps and websites that can keep track of your spending for you, such as Pageonce.com.
At the end of the week, spend half an hour going over your notes and categorizing them. How much did you spend on food? On transportation? On housing, clothing, entertainment, healthcare, rent, mortgage, and utilities? At the end of a month, your notes. At the end of the next month, do the same, and at the end of three months, add everything up and devote some study time to the result.
Don't worry just yet about these expenditures, since the job at hand is not to identify -- much less rid yourself of -- guilty pleasures. The job is only to figure out where your money is going now.
It's also important to carry on this exercise for at least three months, if not four. You want to capture every expenditure you make, including those you don't make every month -- for example, car repairs.

Step 2: Set Financial Goals
Now ask yourself a simple question: "Where do I want to be 20 years down the road?" But avoid generic answers like, "I want to be rich." Answer with more specificity: "I want to own a house with the mortgage half paid off, and I want to have an investment portfolio of 5000000 plus a side fund of half that to help my kids get a college degree."
Be realistic in setting out your goals, and be specific. You want to succeed, not fail, and you can do that only if you start out with attainable, specific goals.

Step 3: Prepare For The Unexpected With Insurance
Do you have a family? If not, purchase yourself some disability insurance to protect your earning power. If you do have a family, you'll want some disability coverage and lots of life insurance to protect your loved ones. Adequate health insurance auto coverage, and homeowners or renters insurance are also important. No matter your financial situation, insuring against the unexpected can help keep you on the right track should accidents create a financial burden.

Step 4: Keep an Eye on Your Credit
You can't get anywhere these days without good credit.  Once a year, check on your score with each of the three big credit agencies, TransUnion (www.transunion.com (link is external), Experian (www.experian.com (link is external)), and Equifax (www.equifax.com (link is external)). You can also get a free copy of these reports once per year at AnnualCreditReport.com (link is external).
Make sure that there are no discrepancies between your records and the credit reports. If there are errors, you need to dispute them with the agency that is reporting them. Instructions on how to dispute errors are included at the agencies' websites.


Step 5: Start Saving
Here's where guilty pleasures come back into the picture. The key to any savings plan is not income but outgo. In plain English, this means worrying about your expenditures, not just your paycheck. Even if you earn a high wage, you can outspend your income -- lots of people do. But if you control your outgo, on the other hand, it doesn't matter how much you bring home, because it will be more than enough.
After looking at your list of expenditures, determine where you might be spending too much. Are you splurging on entertainment? What about your car payments, vacations, or food?
Look for ways to save here and there, but don't be too harsh on yourself. Your goal is not to eliminate guilty pleasures, only to control them so that you can free up some part of your income -- say 10% -- for a savings plan.
You'll want to put this money aside and add to it until you have at least three months' worth of income in a money market or savings account. If an emergency comes along forcing you to dip into this money, don't feel guilty -- that's what this cushion is for. Just make it your first priority to replace it as soon as possible.

Step 6: Begin to Build a Portfolio
After saving enough for an emergency fund, you should begin to look toward investing extra cash. For new and seasoned investors alike, the easiest way to start building a portfolio is with mutual funds. For one thing, you can find mutual funds to match your particular risk tolerance. For another, they spread your investment risk. Last but not least, mutual funds give you professional money management -- a great idea if you don't have the time or expertise to go it alone.


Step 7: Keep Track of Your Plan
Manage your financial plan, in part with an annual checkup to ensure that it remains congruent with your personal situation. Have your goals changed? How about your income, debt, family needs, health? How have your investments performed? More important, have they performed as you expected?
Depending on circumstances, it may make sense to review your plan semi-annually, even quarterly. If you do, however, don't confuse your long-term goals with short-term ups and downs in your personal situation -- meaning, don't be quick to change your plan.

Step 8: Plan Your Exit Strategies
Plan an exit strategy to match every financial goal in your plan. If, for example, you want to buy that 10,000 square foot house in ten years, you will probably need to free up some of your portfolio at that point to get the job done. Similarly, if you expect to need college money for two children, you will need an exit strategy for that money, too. Last but not least, you will need an exit strategy for yourself at retirement and an estate plan for your heirs.

The Investing Answer: Creating a financial plan takes some work, as you can see. And no amount of planning can guarantee the outcome you want. But planning is better than the alternative -- namely, not planning. That's what other folks do, and it's often why they fail to reach their goals.

'Neki ki deewar' Help the poor people

Robert Frost in his poem 'Mending Wall' indicates how existence of walls are a reminder of distance. But the 'Neki ki Deewar' (wall of kindness) situated along a road in Ravindrapuri locality here has been bringing people closer to each other from the last two weeks.

A citizen-driven initiative that was first started in Mashhad, a north-eastern city of Iran with installation of few hooks and hangers on a wall called 'Deewar-e-Mehrbani' with words 'If you don't need it, leave it. If you need it, take it,' written next to it. The initiative soon became a viral movement and spread like wildfire across the globe with people painting walls and joining this humanitarian initiative.

On a warm sunny Tuesday morning, 60-year old Mumina of Nagwa area could be seen standing under the shade of a tree, about a few metres away from a banner that reads 'Neki ki Deewar', waiting for it to be opened for the homeless, needy and impoverished.

"I beg at Assi ghat and heard a bunch of youngsters talk about a place that gives away clothes to homeless and needy. I did not ask them the exact location and decided to figure it out myself and landed up here in want of clothes," she said, pointing towards her tattered saree.

As the clock struck half-past-nine, hordes of people assembled outside a yellow fenced kiosk waiting for it to be unlocked and their opportunity to bag a new pair of clothes and shoes and even toys for their children.

"I am a rickshaw-puller and do not make enough earning to afford quality clothes for my children and wife. A friend told me about this place and I am glad to have found clothes that would fit them," said Ramesh.