CE Approved Beauty Equipment Supplier

CE Approved Beauty Equipment Supplier
Shanghai Easylaser Industry Co., Ltd., is specialized in supplying and exporting of all kinds of products including e-light product and hair removal products which have many years experience in this field.

Shanghai Easylaser Industry Co., Ltd. [province:Shanghai, China]

CE Approved Beauty Equipment Supplier
Shanghai Easylaser Industry Co., Ltd., is specialized in supplying and exporting of all kinds of products including e-light product and hair removal products which have many years experience in this field.

Shanghai Easylaser Industry Co., Ltd. [province:Shanghai, China]

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Find Beauty Equipment Manufacturer from China

Since OYAGA's establishment in 2003, we have been focus on introducing the high advanced techniques and instrument, with many excellent talents serving for us. Through years of instant teamwork and innovations, we developed and design more and more nice-looking and advanced beauty equipments.

Oyaga Beauty Equipment Factory [province:Guangdong, China]

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CE Medical Approved Beauty Equipment Supplier

We imported the advanced USA laser technology, and developed the photorejuvenation and hair/wrinkles removal instrument, skin-care laser machine and that sort of things. Through continuous technology innovation, the company has gain good reputation from its customers and the therapeutic cosmetic industry by offering its photorejuvenation equipment series with advanced USA laser technology.

Shanghai Apolo Medical Technology Co., Ltd. [province:Shanghai, China]

We imported the advanced USA laser technology, and developed the photorejuvenation and hair/wrinkles removal instrument, skin-care laser machine and that sort of things. Through continuous technology innovation, the company has gain good reputation from its customers and the therapeutic cosmetic industry by offering its photorejuvenation equipment series with advanced USA laser technology.

Shanghai Apolo Medical Technology Co., Ltd. [province:Shanghai, China]

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Professional Supplier of Beauty Equipment

The company devotes itself to studying and developing highly-technological products for medical care, health protection and beauty care. As a comprehensively-founded company, it focuses on scientific study, production and selling. Our principle is to benefit the people Implementing Independence; Union and creation belief is our spirits.

Guangzhou Inkue Technology Co., Ltd. [province:Guangdong, China]

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Latest Car Launch

Honda Brio

•   Starts at just Rs.3.95 lacs. •   i-VTEC, Petrol Engine. •   Displacement - 1198cc. •   Power - 89bhp@6200rpm. •   Torque - 110Nm@4800rpm.

Hyundai EON

•   Starts at just Rs. 2.75 lakhs •   814cc 3 cylinder petrol engine. •   Maximum power of 55 Bhp. •   Maximum torque of 76.5 Nm. •   Launched in six sizzling variants.

Latest Launches in India

Test your taste with the advanced concept and cutting edge technology. Every brand with its high-end skills is coming up to India and launching its latest advent. Those refreshing experiences can be felt by the following newly launched cars and two wheelers in India.

Bike Launches

Car Launches

Latest Launches at Auto Expo 2010
Skoda Yeti	Toyota Etios	Maruti New WagonR
Maruti Concetp r3	Volkswagen Polo	Hyundai i10 Diesel
Chevrolet Beat	Honda Jazz Automatic	Tata Indicruz
VE Series	BMW X1	Tata Sumo Grande MK II
New Volkswagen Polo	Mercedes-Benz GL..	Mahindra Small SUV
HMSI	Maruti EECO
Honda New Small Concept	Maruti Swift k-Series

Cars

» Cars In India

- Small Cars
- Mid Size Cars
- Premium Cars
- Luxury Cars
- Sport Utility Vehicle
- Multi Utility Vehicle
- Hatchback Cars
- Sedan Cars

» Cars by Company

- Audi
- BMW

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Upset CCI tells DoT, others to consult it on M&As

NEW DELHI: The country's competition authority has asked the department of telecommunications to consult it before finalising any merger-and-acquisition policy to avoid regulatory overlaps.


In its letter to DoT, the Competition Commission of India has emphasised that it has a clearcut responsibility to regulate anti-competition combinations while sectoral regulators such as the Telecom Regulatory Authority of India and the Insurance Regulatory and Development Authority have the mandate to frame policies to encourage competition.


The antitrust watchdog's missive, which has industry-wide ramifications, was prompted by a recent TRAI proposal to allow mergers even if the combined market share of the merged entity was less than 60%, a substantial increase over the current 40% limit.


"The TRAI proposals can have an adverse effect on competition as it will encourage companies to merge and dominate markets," a senior CCI official told ET Industry and experts have said that giving administrative agencies overlapping jurisdiction leads to duplication or conflicting regulation, which is inefficient and cumbersome.


Section 3 & 4 of the Competition Act 2002 prohibits anticompetitive agreements and abuse of dominant position, giving the CCI the powers to investigate arrangements that appear anti-competition. The commission also said the sectoral regulators may also not have the requisite expertise to deal with competition issues.


"( The commission) has the necessary resources and the expertise to analyse complex competition issues from a legal, economic and financial perspective, which may or may not be readily available with the sector-specific regulatory authorities," it said in the letter, adding that the CCI and other sector-specific regulatory bodies need to work in tandem to avoid policy uncertainty. Experts say M&A activities in the overpopulated telecom sector are likely to rise and some of these need a closer scrutiny.


"Market share is often used as proxy to determine whether an enterprise is in a position of dominance and, globally, enterprises with a market share exceeding 50% are viewed as being dominant," said Samir Gandhi, competition partner, Economic Law Practices, a legal consultancy firm.


A DoT panel, which examined Trai's recommendations, has called for rejecting the proposal as it could lead to a "monopoly market situation" and has suggested that the market share ceiling of the combined entity be reduced to 35%. But this has to be approved by the Telecom Commission, the apex decision-making body of the communications ministry.

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Nokia’s Asha phone to hit India this month

• Nokia Asha 200|
• Nokia Asha|
• Micromax|
• London

• 

(The phones, Asha 300 and Asha 200, run on Symbian S40 operating software.)

NEW DELHI: Unveiled with much fanfare at its global even in London in October, Nokia's Asha phones were announced in India. The phones, Asha 300 and Asha 200, run on Symbian S40 operating software. They are a crucial part of Nokia's strategy in India and African countries. While Asha 200 will be available from mid-December, Asha 300 will hit Indian market in early January.

The Finnish company hopes that with Asha phones it will be able to woo younger and price-conscious consumers even as it targets the smartphone segment with devices running on Windows Phone 7.
"At Nokia, we strive to offer our consumers the best technology suited to them through affordable and relevant innovations. Nokia Asha 200 and Asha 300 will set new benchmarks in the mobile internet and music space," said D Shivakumar, managing director at Nokia India. Both phones will be compatible with Nokia's 'unlimited music service'.
In markets like India, Nokia has faced stiff competition from local players like Micromax and Karbonn. Though it is still market leader in the country, its share has come down by over 20% in the last few years.
Asha 200 is Nokia's first QWERTY dual-SIM device, offering one-click access to email and chat via Nokia Messaging and other social networking services like Facebook. The device comes with a 2 megapixel camera with 4X zoom, and enhanced stereo FM radio. Asha 300 features both a touchscreen and keypad. It supports 3G and has a 5 megapixel camera for taking photographs, which can be organized and edited in the Nokia gallery.
On Thursday, the company also added a new phone - X2-02 - to its line of dual-SIM devices. Nokia X2-02 comes with easy swap and gives users the option to personalize up to five SIM cards. Nokia claimed that with features like play-via-radio feature, FM recording, and dedicated music keys Nokia X2-02 offers "complete music experience".
While the company did not announce any prices for the three phones, sources said that all of them are likely to cost between Rs 4000 to Rs 6000.
On Thursday Nokia also said that its music service, which was so far available only on a few high-end phones, will be now open to all phones running on Symbian 40 operating software.
Launching the service, Shivakumar said, "Nokia has been synonymous with digital music in this country. We have pioneered many initiatives in this space starting with pre-installed music, launch of music albums on mobile phones and then 'Nokia music unlimited' for our hi-end phones. Our latest offering on feature phones underscores our commitment to democratise music by taking it to the masses."

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Interview with a Tea Farmer

Mr. Chen is a 62 year-old tea farmer living in Chia Yi County, Taiwan. We visited his farm recently and talked with him about the business of tea farming and his life as a tea farmer.
Tea from Taiwan: How long have you been growing tea?
Chen: My grandfather bought this land in the 1920's when my father was small. I was born here and I've worked here all my life.
TfT: How has tea farming changed over the years?
Chen: Now we have modern equipment to help process the tea, but back then we had very primitive processing tools. But the actual planting and harvesting hasn't changed much. We've always picked the tea by hand, and all the plant care has to be done by hand.
TfT: Have you ever thought about machine harvesting?
Chen: That's impossible here because of the steep hills. They can harvest tea by machine down on the plains, but up here in the mountains it's not possible. Besides, machine harvesting is for low-grade tea, and we are interested in producing high-grade oolong.
TfT: Is your tea organic?
Chen: Yes, we stopped using pesticides and chemical fertilizer about 10 years ago. During my father's time we used more of that, but now my son is running the day-to-day operations and he insists on organic methods. I was skeptical at first, but I can see now that it produces better tea. And better tea produces better money (laughs).
TfT: You have many certificates and plaques on the wall here. Are they for tea competitions?
Chen: Yes, we used to enter competitions every year, and we got a lot of prizes for our tea. The past few years we haven't participated - our tea is known and we have our regular customers. All our tea is sold before we harvest it.
TfT: So tea farming can provide a good livelihood?
Chen: Now it's not too bad, but when I was young we were very poor. We got almost nothing for the tea. We grew most of our own food, kept chickens and pigs, so we had food, but no money for other things. We still keep chickens, and have a small garden, but we also have enough money to be comfortable.
TfT: You said your son is operating the farm now - do you all live together?
Chen: Yes - my son, his wife, their 3 children, my wife and me. My other children have moved to the city but they visit about once a month.
TfT: Your son didn't want to move away too?
Chen: He was always interested in the tea farm, even when he was small. He studied agriculture in university and always said that he was going to take over the farm when I got too old. I'm not too old now, but I'm happy to give him some of the work.
TfT: Tea farming seems like a nice life.
Chen: It's hard work, but it's a good life. You get back what you put in.
TfT: Thank you for taking the time to show us your farm.
Chen: You are welcome any time.

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indian eucalyptus farmer

 Other names : Tailapatra, Sugandhapatra, Tailaprana, and Nilgiri Taila are the other names used for the Eucalyptus.

Description : Eucalyptus is a tall evergreen tree. It attains the height of more than 300 feet. Leaves of the tree on juvenile shoots are opposite, sessile, cordate-ovate and covered with a bluish white bloom. The adult leaves are alternate, lanceolate and are 6-12 inches long and 1-2 inches broad. It flowers are cream in colour. The appearance of its bark varies with the age of the tree. Its bark consists of long fibers and can be can be pulled off in long pieces. Stems of the seedlings and coppice shoots are quadrangular. Flowers are in cymose panicles. The fruit is a capsule.

Other Species : Eucalyptus abdita, Eucalyptus acies, Eucalyptus apiculata, Eucalyptus albopurpurea, Eucalyptus alligatrix, Eucalyptus ammophila, Eucalyptus amplifolia, Eucalyptus andrewsii are the other related species of Eucalyptus. There are 700 species of Eucalyptus.

Location : It is widely grown in Tamil Nadu, Andhra Pradesh, Gujrat, Haryana, Mysore, Kerala and in the Nilgiri Hill. It grows well in deep, fertile, well drained loamy soil with adequate moisture. It is also found in Nagarhole National Park and Bandipur National Park in India. .

Cultivation methods :Eucalyptus grown in well drained sandy soil. It is propagated through seeds, soft wood cuttings and semi hard wood cuttings. At the time planting it must be taken into account that ts roots are not broken. It needs water before and after planting. It requires full sunlight.

Medicinal uses : Eucalyptus is known for its use either as an essential oil or leaf tea for its ability to relieve congestion and ease breathing in colds. It oil is also used as the pain reliever foe sore and overextended muscles. The essential oil of Eucalyptus contains cineole, a potent antiseptic that helps in killing the bacteria and fungi. It helps in increasing cardiac action. It is taken in all types of fever. It helps in purifying the blood. It lowers the blood sugar. It brings relief to the patients of Asthma and bronchitis. It is the excellent topical remedy for aching joints and rheumatism. It helps in improving the blood circulation.

Other uses : Eucalyptus is used as the pulpwood in the manufacture of the paper as well as raw material. It is used as the poles for the construction of huts and houses. It is used in making plywood, doors and windows.

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Growing and Maintaining Bamboo

Growing bamboo successfully is a simple and rewarding task and can be accomplished in most situations. Please read the guide  below for an outline of the most important points.
Call us at 503-647-2700 or email bamboo@bamboogarden.com if you need assistance or advice for anything bamboo related :  Members of our experienced staff are available do consultations, installations, maintenance, bamboo removal, and barrier installations in and around the Portland area.
Placement and Spacing Although most people have a place in mind as to where they want to plant their bamboo, one should keep in mind that most large bamboos (Phyllostachys) do best with 5 or more hours of direct sunlight. They must be given ample water, fertilizer, and protection from competitive weeds. They will benefit from a windscreen and light shade when first planted as well. This is especially true of smaller plants. Fargesias, Thamnocalamus and Sasas do well with light to moderate shade. In fact the Fargesias and most Thamnocalamus are happier with some shade during the hottest part of the day. Fargesia and Thamnocalamus are the hardiest of the clump type bamboos. They can be planted without fear of spreading. See this link for a photo of the Clumping type rhizome. Most other hardy bamboos can spread by their underground rhizomes and this must be taken into account when planting them. We recommend annual root pruning as the first option for control. Also, barrier of 60 mil by 30 inch deep, HDPE (high density polyethylene) can be used for rhizome control. For helpful information and photographs about controlling and maintaining bamboo see: control methods Bamboo should be spaced 3 to 5 feet apart to form a dense screen. The faster spreading types can be planted farther apart, if you are willing to wait a little longer for the screen to fill out. Starting from a small size, most bamboos will reach mature height within five or six years. As a very general rule, Clumping bamboo gain about 1-2 feet of height per year, and the Running types grow about 3-5 feet per year, and spread outward at the same rate. Height and spread rate is variable depending on the species and climate. If as instantaneous screen is desired, most bamboo will not suffer from being planted nearly back to back.  Feel free to contact us to discuss details about your project. Planting Your New Bamboos Most bamboos are happiest in a moderately acidic loamy soil. If your soil is very heavy you can add organic material. It can be dug into the soil where the bamboo is to be planted, but the easiest thing is to mulch very heavily and let the earthworms do the work. Spread two or more inches of mulch in the area around the bamboo, and where you want the bamboo to grow. Bamboo is a forest plant and does best if a mulch is kept over the roots and rhizomes. It is best not to rake or sweep up the bamboo leaves from under the plant, as they keep the soil soft, and moist, and recycle silica and other natural chemicals necessary to the bamboo. A low-growing shade-tolerant groundcover plant that will allow the leaves to fall through to form a mulch without being visible will work if you find the dry leaf mulch objectionable. Almost any organic material is a good mulch. Grass is one of the best, as it is high in nitrogen and silica. Home made or commercial compost is great. Hay is a good mulch too but hay and manure are often a source of weed seeds, so that can be a problem. Any kind of manure is good, if it isn't too hot. Limited amounts of very hot manures like chicken are OK if used with care. At our nursery we use a large amount of chipped trees from tree pruning services. This can harbor pathogens that can affect some trees or shrubs, but the bamboo loves it. Planting small starts When planting smaller size starts (1 or 2 gallon),  it is important to protect them from overexposure to the hot sun, especially Fargesias and other shade loving bamboo. This is most important in the summer and when the chosen site has concrete, or near a wall that could reflect light and heat on to the plant. In such a potentially hot spot, it may be best to use a larger more well established bamboo (5 gallon or larger), and/or plant in the spring or fall.. Timing and winter protection Bamboos can be planted at any time of the year in areas with mild climates such as we have in the maritime Pacific Northwest. In colder parts of the world they should be planted outdoors early enough to become established and to harden off sufficiently to survive their first winter. If the bamboo is planted late in the year, one should mulch the plant heavily and provide extra protection from any cold and drying winds. In colder climates where bamboos may be marginal, successful growers usually protect their bamboos through the winter with a heavy mulch. Even in very cold climates in an established bamboo grove with a heavy layer of bamboo leaves covering the ground, the soil will be soft and friable during periods when the surrounding soils are frozen hard and deep. In very hot climates, where summers routinely get over 100 degrees, it is best to wait until Fall or Spring to plant bamboo, unless it can be given a shady area or some kind of protection from the sun. Controlling the spread of bamboo See this link for an overview of control methods We recommend annual root pruning as the first option for control. Also, barrier of 60 mil thickness by 30 inch deep, HDPE (high density polyethylene) can be used for rhizome control. . If you plan to install a barrier to control the spread of running bamboos, it is important to install it properly to ensure its effectiveness. In other than very light soils, the bamboo rhizomes are usually in the top few inches of soil. However when the rhizome encounters an obstruction it will turn, and sometimes it will go down. It is important to avoid loose soil or air pockets next to the barrier or the bamboo may go deeper than you want and perhaps go under the barrier. When filling the hole after placing the barrier, tightly compact the soil next to the barrier. Any soil amendments must be added only in the top foot or so. You mustn't encourage deep rhizome growth if you want to contain the bamboo. If the bamboo planting can be surrounded by a shallow trench 8 to 10 inches deep, this can be a cheaper and easier method to control its spread. See link for pruning trench technique. You just need to check a couple of times in the late summer and fall to see if any rhizomes have tried to cross the trench, and cut them off. Checking for spreading rhizomes is very important. It must be done each fall, whether you are using barrier or a trench. King of Spades ™ We now sell the King of Spades root cutting shovel (13" blade, long handle): an excellent, professional grade tool, for cutting rhizomes and digging bamboo.  We have been using this shovel for many years at the nursery, highly recommended.  $105.00 Growing bamboo in containers  Many people ask us if bamboo can be grown in containers. The short answer is yes. However, there are a few key points to consider. Every two to five years they will need to be repotted or divided. The Black Bamboo on the right, has burst through the thin plastic nursery container (click on photo for larger image). Repotting or dividing is best done in the springtime. If over grown and root bound, most bamboos can escape or even break their confinement. Tight spaces, including pots and barriers, will restrict the culm size. For example, Phyllostachys nigra can grow over 30 feet tall in the ground but will often not top 15 feet when grown in a container. The larger the space, the larger bamboo will grow. Bamboo in containers require more care because they are much more susceptible to environmental stress. They are more sensitive to heat and cold, strong winds tip them over, and the restricted root space allows them to dehydrate quickly. A well established bamboo in a container should be watered 3 to 5 times per week during the summer, ensuring that the pot drains well. In containers bamboos, especially those that are not well adapted to hot sun, require more care in placement as they can be damaged if the pot overheats. During winter, container bamboos are susceptible to freezing and if not protected may die. Bamboo in containers is not nearly as hardy as the same bamboo would be in the ground. Bamboo can be a fine container plant if its needs are met. We recommend using wood planters or containers that have some insulation for the root mass.  If you use metal feed troughs, make sure they have adequate drainage and use only very hardy plants. We sell 30" cedar planters lined with rhizome barrier which provides a decent home for most bamboos for about 3-5 years before they need to be transplanted.     We sell decorative, 30 inch square cedar planters for $85 each. Staking tall plants When planting bamboo over 15 feet tall, it may need to be staked or guyed for the first year of growth or until well anchored by their root mass. This will prevent strong wind from uprooting them, or damaging new shoots and culms. Tall bamboo plants are best guyed with a rope tied to the same point on the culms, anywhere from about one third to halfway up the culm. Use three or four guy lines depending upon how much wind you expect. We recommend four ropes, one on each point of the compass. Drive two foot stakes one and one half feet into the ground at least 6 feet from the bamboo. Wood and bamboo stakes work well. If supporting very large bamboo, metal stakes are recommended. A useful method for supporting long, tall screens is to put a sturdy post at each end of the screen and run a strong line between the two posts. Each bamboo can be loosely tied off the main line. A fence can serve the same purpose for bamboo about 15 feet tall. Yellowing and falling leaves. In the spring there is considerable yellowing of the leaves, followed by leaf drop. This is natural and should not cause concern, as bamboos are evergreen and naturally renew their leaves in the spring. They should loose their leaves gradually as they are replaced by fresh new ones. In the spring on a healthy bamboo there should be a mixture of green leaves, yellow leaves and newly unfurling leaves. Water Newly planted bamboos need frequent and liberal watering. Twice a week during mild weather, and perhaps even daily during hot or windy weather, give your bamboo a good watering. Make sure that each plant under 5 gallon pot size gets at least ½ gallon of water. For plants over 5 gallon size more than 1 gallon is advised. Once a bamboo has reached the desired size, it can survive with much less irrigation. But until then you must water and fertilize copiously to achieve optimum growth. Lack of sufficient water especially during hot or windy weather is the leading cause of failure or poor growth of new bamboo plants. Watering newly planted bamboos every day, or for longer than a few minutes can cause excess leaf drop. Well-established bamboos are rather tolerant of flooding, but newly planted bamboos can suffer from too much as well as too little water. Fertilizing Bamboo if planted in a suitable site (full sun for most, partial shade for some) and given ample water can grow and eventually thrive. But if you want a healthy attractive vigorous plant, you must fertilize. We use a lawn fertilizer it is high in nitrogen. 21-5-6 is the formula. Organic fertilizer high in nitrogen is even better, though it is more expensive. Provide a 2-3 inch layer of compost or aged manure around the base of the plant, and outward where you want it to spread, for a natural source of plant food. Pruning Bamboo
Maintenance pruning for large running bamboo Bamboo, like other plants, requires some pruning to maintain its attractiveness. Individual bamboo culms live about 10-15 years, but a full grove producing many new canes each year can live for several decades. Once each year you should remove older, unattractive culms and cut off any dead or unattractive branches. You can prune most bamboo without fear of damaging it. Just trim so it looks attractive. Make cuts just above a node, so as not to leave a stub that will die back and look unsightly. If you cut back the top, you may want to also shorten some of the side branches so the plant will look more balanced, not leaving long branches at the top. See this link for photos and descriptions of the thinning process of a bamboo grove:	Thinning Clumping Bamboo Clumping Bamboo can be pruned to maintain upright growth, or thinned to maintain an airy appearance. If the plant gets too wide, just clip some of the outer canes back to ground level.  See this page for a photo illustrated guide to pruning clumping bamboo.
Topiary Bamboo may be trimmed in topiary fashion. You may top the culms, remove some lower branches, and shorten some side branches and remove others. Any culms or branches cut do not grow back longer but only grow more leaves. The photo on the right is a Phyllostachys aureosulcata 'Aureocaulis', pruned to about 6 feet tall, highlighting the bright yellow canes and dark green foliage. It is a very unusual design, but it works in this space. Click on photo for larger image.   For Screens or Hedges Bamboo may also be cut to form a hedge as one might do with boxwood or other traditional hedge plants if one wishes. This is best done after the new culms grow to full height in the spring or summer. (Most of the new growth on a bamboo plant happens at the same time of the year, usually late spring or early summer for temperate bamboos.) There should need be only one major pruning, with only minor touch up at other times of the year. If you want to control the size or height of your bamboo, and retain the natural look of the bamboo, this can be done by removing new shoots that are significantly larger in diameter than the culms that are the desired height. These shoots will be replaced by smaller diameter culms that will not grow so tall. This can be safely done with a plant that has been well established, not a newly planted bamboo. Legging up For display of colorful bamboos such as Phyllostachys nigra, Phyllostachys bambusoides ‘Castillonis’ and Phyllostachys vivax ‘Aureocaulis’ you can enhance the beauty by removing smaller culms and cutting off lower branches so that the beauty of the culms is visible. Groundcover Bamboos For dwarf bamboo we recommend cutting it to the ground each spring, so that the plant is rejuvenated. It will look much nicer when the new growth emerges, and it will be kept shorter and more dense. Dwarf bamboos are also often trimmed later in the season to keep them shorter and more uniform in height. In very cold climates such as zones 4 or 5 dwarf bamboos may have their tops freeze back in the winter and still be good for landscaping. Just mow them as you should do in places where they don’t freeze back.  (click on link) Bamboo inquiries: General questions and answers from our customers. Lots of good information about growing bamboo! Bamboo Pests see link for information about bamboo pests.   It looks like bamboo, but it ain't  see Imposters: Not bamboos at all also see From Terra Viridis Nursery Plants Commonly Mistaken for Bamboo

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Insurance Company

The growth of the insurance sector in India has been phenomenal. The insurance industry has undergone a massive change over the last few years and the metamorphosis has been noteworthy.

There are numerous private and government insurance companies in India that have become synonymous with the term insurance over the years. Offering a diversified product portfolio and excellent services the many insurance companies in India have managed to make their way into almost every Indian household.

Before we begin the analysis of Indian insurance industry, let us clear some basics on insurance.

• In the words of a layman, insurance means managing risk. For instance, in life insurance segment, the insurance company tries to manage mortality (death) rates among the wide array of clients.
  
• The insurance company works in a manner by collecting premiums from policy holders, investing the money (usually in low risk investments), and then reimbursing this same money once the person passes away or the policy matures. The greater the probability for a person to have a shorter life span than the average mark, the higher premium that person has to pay. The case is the same for all other types of insurance, including automobile, health and property.
  
• Ownership of insurance companies is of two types:
• Shareholder ownership
• Policyholder ownership

Types of Insurance

1. Life Insurance - Insurance guaranteeing a specific sum of money to a designated beneficiary upon the death of the insured, or to the insured if he or she lives beyond a certain age.
   
2. Health Insurance - Insurance against expenses incurred due to illness of the insured.
   
3. Liability Insurance - This insures property such as automobiles, property and professional/business mishaps.

Top Ten Insurance Company

Below is a list of the Top 10 insurance companies in India and their contact details zone wise.

Insurance Company	Products and Services	Contact Details
LIC Life Insurance Corporation of India	Insurance Policies Jeevan Anurag Unit Plans Samridhi Plus Pension Plus Special Plans Jeevan Madhur Jeevan Mangal Group Schemes	East Zone: LIC of India,P&GS Unit Jeevan Prakash,Calcutta Metro DO-I 16 Chittaranjan Avenue Kolkata West Bengal 700072 033-23346688 West Zone: Jeevan Prakash GHB Complex, 2nd Floor,Opp.to Rupal Park, Behind Ankur Bus stop, Naranpura, Ahmedabad Gujarat 380013 North Zone: Jeevan Prakash Post Box No 102 25 Kasturba Gandhi Marg New Delhi DELHI 110001 011-23762681 079-25502150 South Zone: LIC Building 102 Anna Salai Post Box No 324 Chennai TAMIL NADU 600002 044-28612871
ICICI Prudential Life Insurance Co Ltd	Education insurance plans Smartkid New Unit-Linked Regular Premium Smart Kid Regular Premium Savings (all ULIP) Life Time Super Premier Life Gold Life Time Plus Premium guarantee plans InvestShield Cash Back protection plans (All Traditional plans) Life Guard Save 'n' Protect Home Assure Health care plans Crisis Cover Diabetes Care/ Diabetes Care Plus Cancer Care	West Zone: A-32/B-32, 3rd Floor, Corporate house, Judges Bungalow Road, Above Hotel Honest, Off. S G Highway, Sarkhej-Bodakdev, Ahmedabad - 380015 Gujarat South Zone: Plot No. 11, 1st & 2nd Floor, K.R. Buildings, Lattice Bridge Road, Above Pizza Corner, Adyar, Chennai - 600020 Tamilnadu 9840877766 North Zone: ICICI Prudential Life Insurance Co. Ltd., 1 DLF Centre, Ground Floor, Opp Park Hotel, Sansad Marg, Connaught Place, New Delhi - 110001. Delhi 9818177766 East Zone: Plot No. C-653, 2nd Floor, Epari Plaza, Janpath,Unit-III, Bhubaneshwar - 751001 600222020
Bajaj Allianz Life Insurance Co Ltd	Insurance Policies iGain III Max Advantage Health care plans Star Package Personal Guard Silver Health Travel Insurance Student Elite Plan Brilliant Minds	East Zone: # 338, Calcutta Food Bazar, 2nd Floor, A Block, Lake Town, Kolkata, 700055 +91-33-32575382 North Zone: C-32, 1st Floor & 2nd Floor, Connaught Place, New Delhi - 110 002, 011 - 41490500 South Zone: 25/26,prince towers, 4th floor, college road, nungambakkam, chennai-600006 044-43904400 West Zone: 312, 3rd Floor , Megh Malhar Complex, near petrol pump, Sector 11,Gandhinagar - 382011 079-23244250-252
SBI Life Insurance Co Ltd	Individual Plans SBI Life - Unit Plus Super SBI Life - Smart Wealth Assure Group Plans Group Micro Insurance Plans Group Loan Protection Products	West Zone: SBI life insurance company ltd, 1st floor akshar arcade opp memnagar fire station , memnagar , ahmedaba 380014 079 -66103333 North Zone: SBI life insurance company ltd, 116, hargovind enclave,opp karkardooma community centre 011-40758700 East Zone: SBI LIFE INSURANCE company ltd, jeevandeep building ground floor,1 middleton street 033-22882323 / 22 South Zone: SBI LIFE INSURANCE company ltd, 2 nd floor, 96/04, south end road,basavangudi 080 26575460
Reliance Life Insurance Co Ltd	Protection Plans Reliance Life Insurance Money Multiplier Plan Reliance Special Term Plan Child Plan Reliance Child Plan Savings & Investment Plans Reliance Life Insurance Pay Five Plan Reliance Life Insurance Classic Plan - Limited Premium Reliance Life Insurance Highest NAV Advantage Plan Reliance Life Insurance Money Multiplier Plan North Zone: Level - II, C 4-5, Agrawal Cyber Plaza,Netaji Subhash Place,DelhiDelhi, 110092 011-32229807	West Zone: 201, Viva Complex, 42, Parimal Co-oprative Housing Society, Perimal Cross RoadAhmedabadGujarat,380009 079-30075191 South Zone: No.2940/E-5, GG Arcade,3rd floor, Service Road, West Of Chord, Opp Maruthi Mandir, Vijay Nagar,BangaloreKarnataka,560040 080-39826566 East Zone: 206, A.P.C, Bose Road, 2nd floor, Shyambazar (Opp-CESC Regional Office), Kolkata West Bengal,700004 033-30610530
HDFC Standard Life Insurance Co Ltd	Protection Plans HDFC Premium Guarantee Plan Savings and Investment Plans HDFC SL ProGrowth Flexi ClassicAssure Insurance Plan HDFC SL ProGrowth Maximiser	North Zone: HDFC SLIC, B-3/6,Ground Floor Asaf Ali Road, Delhi - 110002 011-43591300 South Zone: 2nd floor, Block 2 A, Esquire Centre, No. 9, M. G. road, Bangalore - 560 001 " 080-42791234 West Zone: HDFC Standard Life Insurance Co. Ltd.,2nd Floor, 'Shivalik Plaza', Opp Amam, IIM Road, Ahmedabad - 380 015 079 - 66101500 East Zone: 30SA/2, Block-B, New Alipore, Kolkata-700053 033-66125406
Birla Sun Life Insurance Co Ltd	Health and Wellness Solutions BSLI Saral Health Plan BSLI Bachat Money Retirement Solutions BSLI Dream Life Plan BSLI Immediate income Plan Rural Solutions Birla Sun Life Insurance Bima Dhan Sanchay Birla Sun Life Insurance Bima Kavach Yojana	North Zone: 1St Floor, Sco-14, Sector - Ii , Central Market, Punjabi Bagh, , New Delhi, Delhi 110026 Delhi 011-45062639 / 40 / 37 South Zone: Site No 70 , 2nd floor, Grace Towers,Above BMW Showroom, Old miller Road, Cunningham Road(Cr) Bangalore 560046 Karnataka 080 - 65398701 / 25 East Zone: 1St Floor, 110, Bose Pukur Para, , Kolkata- South, Kolkata 700042 West Bengal 033 - 66331915/16 West Zone: Pancharatna Upper Ground Floor, C. G. Road, Opp White House, Ahmedabad , Ahmedabad 380009 Gujarat 079-26409741
Max New York Life Insurance Co Ltd	Life Plans 20 year Endowment Max New York Life Platinum Protect Life Gain™ Plus 25 Growth Plans Max New York Life Flexi Fortune Max New York Life Shubh Invest Health Plans LifeLine MediCash™ Plus LifeLine Safety Net™	West Zone: 3rd Floor, Unit No.301 to 307, Aashth Mangal, Shahi Bagh, Near Rajasthan Hospital, Opposite Resham Bai Fertility Hospital, Ahmedabad-380004 Gujarat Tel: 079-40215433 North Zone: 2 & 3 rd Floor,C-6, Local Shopping Centre, Vasant Vihar, New Delhi, 110057 Delhi Tel: 011-46086900 South Zone: Vimal Chambers, No.70 & 70/1 4th Floor M.G.Road, Bangalore- 560001 Karnataka Tel: 080-66965700 East Zone: La Vida Mall, 2nd Floor, CK-III, Sector-II, Nr. Tank No. 9, Salt Lake City, Kolkata-700 091 Tel: 033-44079303 /04/05/01. 033-44079313-01
Kotak Mahindra Old Mutual Life Insurance Ltd	Protection Plans Kotak eternal Life Plans Saving and Investment Plans Kotak ace investment Plan Kotak surakshit Jeevan Child Plans Kotak headstart Child Assure	West Zone: Kotak Mahindra Old Mutual Life Insurance Ltd. Unit nos. 901 & 902, 9th floor, Wing A & B, Godrej Coliseum, Lokmanya Pan Bazar, Behind Evrard Nagar, Sion (E), Mumbai - 400 022 Tel : +91 22 6621 5999 East Zone: 190b Satin Sen Sarani Kankurgachi, Kolkata, West Bengal 700054 033 23648610 North Zone: Lower Ground Floor, 974/1 Dakha Plaza, Arya Samaj Road, Karol Bagh, New Delhi-110005, Beadonpura, Karol Bagh, New Delhi South Zone: RELCON PLAZA,FIRST FLOOR PATTOM, Kollam Road, Pattom Trivandrum, Kerala 695004 0471 6615600
Aviva Life Insurance Company India Ltd	Protection Plans Aviva LifeShield Platinum Aviva LifeShield Advantage Fund Management Rural Plans Aviva Anmol Suraksha Aviva Grameen Suraksha Savings Aviva Dhan Vriddhi Aviva LifeBond Advantage	North Zone: 2nd Floor, Prakashdeep Bldg., Tolstoy Marg,New Delhi Delhi I, Delhi 110001 Phone: 011-23462548 East Zone: 45 Bhupen Bose Avenue ,3rd flr, ShyambazarKolkata Kolkata 4, West Bengal 700004 Phone: 025304610 South Zone: Shubharam Complex 4th Floor,No 144 M G Road , Bangalore 560001 Bangalore, Karnataka Phone: 080 -25580777 West Zone: Mordern Centre, A Wing, 2nd Floor, Sane Guruji Marg, Mahalaxmi (E), Mumbai -11 Mumbai I, Maharashtra Phone: 02266207777

Challenges facing Insurance Industry

• Threat of New Entrants: The insurance industry has been budding with new entrants every other day. Therefore the companies should carve out niche areas such that the threat of new entrants might not be a hindrance. There is also a chance that the big players might squeeze the small new entrants.
  
• Power of Suppliers: Those who are supplying the capital are not that big a threat. For instance, if someone as a very talented insurance underwriter is presently working for a small insurance company, there exists a chance that any big player willing to enter the insurance industry might entice that person off.
  
• Power of Buyers: No individual is a big threat to the insurance industry and big corporate houses have a lot more negotiating capability with the insurance companies. Big corporate clients like airlines and pharmaceutical companies pay millions of dollars every year in premiums.
  
• Availability of Substitutes: There exist a lot of substitutes in the insurance industry. Majorly, the large insurance companies provide similar kinds of services - be it auto, home, commercial, health or life insurance.
  

How to choose an insurance company?

• There are many factors to probe into when an investor chose an insurance company.
• The consumers as well as the investors should only focus on the insurer's financial strength and capability to meet ongoing responsibilities to its policyholders.
• The fundamentals of the insurance company should be strong and should not indicate a poor investment opportunity as this might also deter growth.

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Indian Share Market

A Share market/stock markets is an open market for fiscal operations such as trading of a firm's share and derivatives at a fixed cost. These securities are further listed on a stock exchange. A Share market does not offer any corporeal service and is not a separately owned business entity.


It was in 1875 that the Indian Share Market first started functioning. The first share trading association in India was known as the Native Share and Stock Broker's Association, only to become the Bombay Stock Exchange (BSE) later on. This trading association started off its operations with around 318 members.

Main components of Indian Share Market

Bombay Stock Exchange (BSE)

Bombay Stock Exchange is known to be the oldest stock exchange in the entire Asian region. If someone wants to know about the history of the India share market, it becomes synonymous with the history of the Bombay Stock Exchange. It started functioning in 1875 with the name 'The Native Share and Stock Broker's Association'. Under the Securities Contracts (Regulation) Act, 1956, the association got its recognition as a stock exchange in 1956. When it started, it was just an association of persons but with the recognition it got transferred to a corporate and demutualised entity.

• Trading items in Bombay Stock Exchange -
• Equity or Shares
• Derivatives (Futures and Options)
• Debt Instruments

The main index of BSE is known as the BSE SENSEX or simply SENSEX (Sensitivity Index). It is an index which comprises of 30 financially sound company scrips, with an option to be reviewed and modified from time-to-time. The index calculation is based on the 'Free-float Market Capitalization' methodology. Leading bourses like the Dow-Jones also follow this methodology. Currently the Sensex is hovering around the 17,000 mark, all expected to touch 20K by 2010. But then volatility has its important role to spoil the entire game.

National Stock Exchange (NSE)

National Stock Exchange (NSE) is considered to be the leader in the stock exchange scenario in terms of the total volume traded. The market capitalisation the National Stock Exchange touched about $921.31 billion at the end of May 2009. The National Stock Exchange received the recognition of a stock exchange in July 1993 under Securities Contracts (Regulation) Act, 1956. The products that are traded in the National Stock Exchange are:-

• Equity or Share
• Futures (both index and stock)
• Options (Call and Put)
• Wholesale Debt Market
• Retail Debt Market

NSE has a fully automated screen based trading system which is known as the NEAT system. The transactions are carried on with speed, efficiency, and are all transparent. The risk management system of the National Stock Exchange is world class and can be considered as the benchmark for other bourses.

The leading index of NSE is known as Nifty 50 or just Nifty. It comprises of 50 diversified benchmark Indian company scrips and is constructed on the basis of weighted average market capitalization method.

Regulatory Authority of Indian Share Market

SEBI or Securities and Exchange Board of India is the market watchdog and has the responsibility of protecting the investors' interests, develops regulatory norms and helps in the development of the securities market in India.

Why to invest in Indian share market ?

• An investor does not require a lot of money to start investing in India share market unlike buying property and paying off a monthly mortgage.
• Time of trading involved spans from small to big. One can trade for a short period of time or even a lengthy span.
• It helps you to see 'fast' cash if the market is in robust mood and helps in fast liquidation.

Essential rules of Indian Share Market

• Whenever share market is at its crest it is bound to dip at some point of time.
• If the share market is down, it will only increase if there are no external aspects influencing it.
• Unlike the common belief of investing in booming share market, it is advisable not to block your hard earned money in already flourishing Sensex and NIFTY. It is better to wait for market bottom trend and then purchase shares at lower cost in order to trade it later.
• The excellent time for investment is when the market is low keeping the basics in consideration.
• Seek the advice of professionals who will not only provide you tips on best investment options but also on favorable market conditions.
• Update yourself on the prevailing market conditions
• Whenever market witness an upward trend always purchase first and then sell the securities, and when the market dips always buy later and sell first.

Tips on investing intelligently in Indian Share Market

• Consider selling the shares which you have bought long time back and are indicating gains. Even if they are not willing to offer you considerable gains then its time to get rid of them are invest your money in productive schemes.
• Diversify your shares buy investing in different sectors. Also consider investing in equity funds and to stabilize your equity investments invest a part in fixed income options like the bonds, Public Provident Fund, National Savings Certificates and post office deposits. You can also consider a balanced or debt fund if you have restrained budget.
• Do not consider the shares based on layman's advice. Stride carefully and invest in shares that you are comfortable investing in. Judge the firm by its past records and assess it personally. Take the advice of the fund manager who manages that specific fund.
• If you have allocated more than half of your investments in equity, then stick to your plan. Do not surpass that pre-decided perimeter and believe in the performance of the market.

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indian gold invetsment

Until 1990, the Gold Control Act forbade the private holding of gold bars in India. There was physical investment in smuggled ten tola bars, but it was limited and often amounted to keeping a few bars ready to be made into jewellery for a family wedding. Gold investment essentially was in 22 carat jewellery.

Reserve Bank of India

Since 1990, investment in small bars, both imported ten tolas and locally-made small bars, which have proliferated from local refineries, has increased substantially. GFMS estimate that investment has exceeded 100 tonnes (3.2 million oz) in some years, although it is hard to segregate true investment from stocks held by the 16,000 or more gold dealers spread across India. Certainly gold has been used to conceal wealth, especially during the mid-1990s, when the local rupee price increased steadily.

It was also augmented in 1998 when over 40 tonnes (1.3 million oz) of gold from bonds originally issued by the Reserve Bank of India were restituted to the public. In the cities, however, gold is having to compete with the stock market, investment in internet industries, and a wide range of consumer goods. In the rural areas 22 carat jewellery remains the basic investment.

The Gold Deposit Scheme

The government announced a new initiative in its 1999/2000 budget to tap the hoard of private gold in India by permitting commercial banks to take gold deposits of bars, coins or jewellery against payment of interest. Interest levels can be set by each bank, and deposits must be for three to seven years. Interest and any capital gains on the gold will be exempt from tax. The banks can lend the gold to local fabricators or sell it in the Indian market or to local banks. However, the depositor has to declare the origin of the gold, so that metal bought illegally to hide wealth cannot be deposited. The State Bank of India was the first to accept deposits. To date, the amount of gold collected under this scheme (less than 10 tonnes or 0.32 million oz) has fallen well short of the 100 tonnes (3.2 million oz) that was mentioned when it was launched.

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insurance polices condition

1. Application

   • Fill out insurance forms completely and accurately.

     Insurance policies require an application and premium payment to become effective. On the application, an applicant is asked a series of questions that help the insurance underwriter decide on the level of risk involved with insuring the individual.

   Contract

   • Policies may be approved, denied or accepted with changed provisions. Policies may be rated as an exceptional risk, demanding a higher premium, or may include exclusions, allowing a company to deny claims in certain specific situations.

   Claim

   • An insurance adjuster reviews your claim.

     When a catastrophe hits and you need to file a claim, insurance companies require basic information about what happened to thoroughly investigate the claim. Insurance adjusters then decide if the claim is valid and how much payment the contract requires.

   Payout

   • Employer-paid insurance benefits are taxable.

     Insurance companies pay out claims either to the individual or to a service provider based on the terms of the contract. If policy premiums have been paid with pretax dollars or paid by an employer, the payout will be taxable. Premiums that were paid with after-tax money are tax free.

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Types of car insurance

Whichever type of driver you are - male or female, old or young, experienced or novice - the type of insurance you take out can affect the cost of your policy. Even within each category, it may be possible to save money by shopping around and playing insurers off against each other.

Third Party Car Insurance

The basic option, a 3rd party policy covers injury to passengers in your car and damage to other vehicles. It will typically cover any emergency medical costs too, although it is unlikely that any ongoing costs will be included in the policy.
Furthermore, broken windows, overheating engines and theft or damage to property within the car all usually fall outside the scope of the cover.
As it is the basic option, 3rd party cover is also generally the most affordable, so might be a good idea for newly qualified drivers, students or those in a high-risk category such as young males. However, if you know you are at risk of needing to make a claim, it may be worth spending a little extra and ensuring you get the cover you need.

Third Party Fire and Theft

This provides the same cover as 3rd party, but with a few extra benefits. For instance, if your car catches fire - or is torched - your insurance company should still pay out. If it is stolen, you should also still be covered.
Other kinds of accidental damage may be included, but it is likely that these will vary between providers. As always, it is a good idea to check the small-print before signing any contracts.

Fully Comprehensive Car Insurance

The most complete insurance policy generally available, fully comp - short for fully comprehensive - includes a wealth of features not usually covered by other policies.
These typically include broken windows and audio-visual equipment such as your car radio, CD or DVD player.
Some providers will include extra features under this designation, which also means that a change in provider may mean a change in what's covered - again, the small-print will make clear exactly what is included.

Short Term Car Insurance

Short-term car insurance provides cover in a range of different circumstances including emergencies and when it's convenient to be insured for less than a month or so.
If you are purchasing a new car, short-term cover may provide you with the opportunity to test-drive the vehicle or, if you've already bought it, to drive it home legally.
If something happens and you cannot drive your own vehicle, short-term car insurance may be required to allow you to take control of a courtesy car or a privately obtained extra vehicle.

Pay As You Drive

A relatively new introduction to the range of policies available, pay-as-you-drive is based on global positioning systems (GPS) and tracks where and when you drive your car. Insurance premiums are usually charged by the mile at different rates depending on the time of day and the class of road on which you drive.
For example, a car driving in the rush hour every morning might be charged more per mile than one driving on an empty motorway in the middle of the night. Insurance companies say this is a good option for those who don't drive often or who only drive at off-peak times, as it may be able to save money overall.

Female Car Insurance

Since women are statistically less likely to have an accident, there have been many policies and insurers designed to provide female drivers with cheaper insurance.
This practice will be coming to an end in December 2012, however, as a 2011 European Court ruling has banned insurers from using gender in their premium calculations.
Therefore, women drivers can still find cheaper policies tailored to them on the market - but not for long.

Student Car Insurance

Because a student is normally a young person they typically pay a higher premium for car insurance.
Students should consider the options on what type of car insurance policy to have. Overall there are 3 main types of car insurance: Third party only insurance, third party fire and theft and fully comprehensive.

Young Driver Car Insurance

If you are a newly qualified or learner driver (provisional licence) with a you have probably discovered that it is difficult to find cheap car insurance.
Many factors can influence the quote price you receive such as car modifications, not having an alarm fitted.
Try to get as many quotes as possible as some insurance companies deal specifically with insuring younger drivers.

Grey Import Car Insurance

If you have a car that is not built and designed for the UK market then you must look to a specialist company to provide your car insurance.
In order to classify your car as a grey import it must have no British equivalent. Many of the bigger companies offer this kind of insurance, but its worth checking before you ask for a quote.
Many of these grey import car insurance providers can be found on specialist car insurance websites or classic car magazines.

Northern Ireland Insurance

Many insurance providers provide comprehensive car insurance cover to most UK countries, although it can be difficult to find a UK based company that will cover Northern island.
You should make sure that your car is covered if you are a resident of Northern Island.

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