Valli went into town looking at the beautiful natural view outside the bus and even saw a beautiful young cow. But she saw the real side of life on her way back. She witnessed the death of the young cow. She was shaken by how something that was alive a few moments ago could die without any warning. Something which seemed beautiful when alive looked so horrible when dead. Thus, she learnt that there were so many things that happened in life beyond our knowledge.

The chloroplast is known as food factories of the plant because chloroplast food are made in the presence of chlorophyll by sunlight and carbon dioxide.

The smallest 4− digit number with three different digits is only 1002.

Earthworms and their relatives live anywhere there is moist soil and dead plant material. Earthworms are most abundant in rainy forest areas, but can be found in many habitats on land and in freshwater. All earthworm species need moist soil conditions to survive. They may live up to eight years, though one to two is more likely. Full size for an earthworm varies among species, ranging from less than half an inch long to nearly 10 feet. Worms help to increase the amount of air and water that gets into the soil. They break down organic matter, like leaves and grass into things that plants can use. When they eat, they leave behind castings that are a very valuable type of fertilizer. Earthworms are like free farm help.

• Increased revenues. 
• Decreased competition.
• Longer product lifespan.
• Easier cash-flow management. 
• Better risk management. 
• Benefiting from currency exchange. 
• Access to export financing. 
• Disposal of surplus goods.

Advantages

Reaching new customers

You probably have a good idea of how your business performs in its home country, but who knows how many more consumers and clients you could reach in a new location? The available pool of prospects will expand dramatically, and they may even have an enthusiasm for your products and services that outmatches the customers at home.

Spreading business risk

If your business should unfortunately encounter hard times in one location, continuing to operate in another will relieve some of the pressure. The more countries in which you have a presence, the more the ups and downs of business fortune will become smoothed out and easier to manage.

Accessing new talent

The success of your company may depend as much on the people you work with as the actions and decisions of you personally. Expanding to an international location could give you access to talented, invaluable new employees and business partners who would take your enterprise to the next level.

Amplifying your brand

Expanding your business out from its home country will have the effect of increasing the visibility and therefore brand equity of your name, logo and ethos. You can enjoy a reputation boost from international growth, and your new customers in the target location may perceive your business as having an exotic prestige. You will also have a great opportunity to extend the reach of your intellectual property, trademarks and copyrights to new regions.

Securing foreign investment

Investment firms and individuals are not distributed evenly across the globe, with large concentrations of investment money available in some areas and little in others. Depending on the target country for expansion, you may find that growing your business internationally gives you access to investment capital far beyond that which is available in your original location.

The water requires heat when it changes from liquid to Vapour state. The water gives back heat when vapour condenses into liquid and a very low pressure area is created. This is how a thunderstorm becomes a cyclone. Cyclones are produced over the sea in tropical areas when the air is warm and humid. A cyclone is a natural calamity caused by a difference in air pressure in the atmosphere. ... They are associated with strong winds, heavy rains, and tidal waves. In tropical regions like India, thunderstorms are common, but very few thunderstorms become cyclones.

A courier service is a service that allows someone to send a parcel or consignment from one location to another. ... Senders have the option to have their parcels collected by a courier or drop their parcel off at a nearby location to be picked up later by the courier. A courier service is a premium, all-inclusive service which collects and delivers shipments in the shortest possible time frame, while postal services are generally used for transporting letters and parcels which can sometimes take some time to arrive at their final destination.

The NSC is a one-time investment. The investment can start from as low as Rs 100 and there is no maximum limit. However, once you touch the limit under Section 80C (Rs 1 lakh), the investments in NSC do not qualify for a tax deduction. TDS is deducted before being re-invested again in case of bank FD. NSC, in comparison with SBI and IDFC Bank FDs, is offering higher maturity value. ... NSC certificates can be used as collateral to obtain loan. However, a bank tax-saving FD cannot be used for the same as per Bank Term Deposit Scheme Rules.

VARIOUS FORMS OF E-BANKING:
INTERNET BANKING:
Internet Banking helps you manage many banking transactions online via your PC.

AUTOMATED TELLER MACHINES (ATM):
An automated teller machine or automatic teller machine (ATM) is an electronic computerized telecommunications device that allows a financial institution’s customers to directly use a secure method of communication to access their bank accounts, order or make cash withdrawals (or cash advances using a credit card) and check their account balances without the need for a human bank teller.

TELE BANKING:
By dialing the given Telebanking number through a landline or a mobile from anywhere, the customer can access his account and by following the user-friendly menu, entire banking can be done through Interactive Voice Response (IVR) system.

SMART CARD:
A smart card usually contains an embedded 8-bit microprocessor (a kind of computer chip). The microprocessor is under a contact pad on one side of the card. Think of the microprocessor as replacing the usual magnetic stripe present on a credit card or debit card.

The microprocessor on the smart card is there for security. The host computer and card reader actually “talk” to the microprocessor. The microprocessor enforces access to the data on the card.

The chips in these cards are capable of many kinds of transactions.

DEBIT CARD:
Debit cards are also known as check cards. Debit cards look like credit cards or ATM (automated teller machine) cards, but operate like cash or a personal check. Debit cards are different from credit cards. While a credit card is a way to “pay later,” a debit card is a way to “pay now.” When you use a debit card, your money is quickly deducted from your checking or savings account.

E-CHEQUE:
An e-Cheque is the electronic version or representation of paper cheque.

The main difference between Fire Insurance and Life Insurance is, fire insurance covers the losses caused by the properties of the policyholder whereas life insurance covers the losses that happened to the person of the policyholder. Life insurance covers your life. In case of policyholder’s premature demise within the policy term, the insurance company pays the sum assured to the nominee. One of the most essential financial instruments, life insurance helps your family to stay financially independent, square off liabilities taken in the form of loans, maintain the lifestyle provided, and keep essential goals on track.

DTH stands for Direct-to-home television. It is defined as the reception of satellite programmes with a personal dish in an individual home. Only cable operators can receive the satellite programmes which are transferred by them to individual homes. Hence, DTH services are provided by cellular companies. Direct-to-Home (DTH) television is a method of receiving satellite television by means of signals transmitted from direct-broadcast satellites. The Government of India permitted the reception and distribution of satellite television signals in November 2000.

The main features of recurring deposit account are as follows:-

1. The main objective of recurring deposit account is to develop regular savings habit among the public.
2. In India, minimum amount that can be deposited is Rs.10 at regular intervals.
3. The period of deposit is minimum six months and maximum ten years.
4. The rate of interest is higher.
5. No withdrawals are allowed. However, the bank may allow to close the account before the maturity period.
6. The bank provides the loan facility. The loan can be given upto 75% of the amount standing to the credit of the account holder.

Statutory Corporation:

• This type of organization is formed by passing a special act of Parliament. It is an initiative of private enterprises.
• It is completely owned by the state.
• Departmental Undertaking:
• It is a department which works under a minister and ensures high degree of public accountability.
• It is completely owned by government.

Government Company:

• This form of organization gets established under the Indian Companies Act of 1956.
• In this at least 51% of the share is owned by the central government or partly by both; central and states.