Samsung unveils 3 smartphones to run on own platform

Samsung Electronics unveiled three smartphone models that run on its own operating system, as it seeks to expand market share in the low-end segment and diversify its lineups heavily focused on Google's Android software.

The Wave series models backed by Samsung's proprietary system "bada" reflects the South Korean firm's shift in strategy from being a pure hardware manufacturer to become more software-focused.

Samsung on Tuesday unveiled Wave 3 with a 4-inch AMOLED screen and a 5 megapixel camera, as well as cheaper Wave M and Wave Y. The Wave M will have Samsung's first instant messaging tool chatON installed and entry-level Wave Y with 3.2-inch display will go on sale in October.


Samsung, whose flagship Android-based Galaxy S models helped it become the world's No.2 smartphone maker in the second quarter, is now focusing on emerging markets with cheaper phones costing $200 or below.

Samsung Wave 3 offers 4″ SAMOLED display and metal design made of anodized aluminum. The phone is powered by Bada 2.0 and it adds Samsung Chaton product. The Samsung Wave M offers 3.65″ HVGA TFT LCD screen while Samsung Wave Y offers 3.2″ screen. Take a look at following chart for a comparison of tech specs.

The Reality of Singapore’s Lokpal Bill--check for yourself

The message claims the following statement:

[In 1982, in Singapore, bill similar to Jan Lokpal was implemented and 142 Corrupt Ministers & officers were arrested in one single day. Today, Singapore has only 1% poor people & no taxes are paid by the people to the government, 92% literacy rate, better medical facilities, cheaper prices, 90% money is white & only 1% unemployment exists.]

I would like everyone to read report on “Eradicating Corruption – The Singapore Experience” by Mr. Muhammed Ali, acting assistant director of Corrupt Practices Investigation Bureau (CPIB), Singapore. CPIB is the agency responsible for combating corruption in Singapore and it was formed after the Singapore got self-government in 1959 not in 1982 as claimed by message.

Next, message claims that it (CPIB) is similar to Jan Lokpal, claiming CPIB same as Jan Lokpal is madness and can be claimed by only those people who don’t analyse facts before opening their big mouths. CPIB is not a self appointed civil society without accountability and without representation of common people as proposed by Anna and his team. CPIB works directly under the supervision of Prime Minister’s Office, Singapore but Jan Lokpal Committee as proposed by Anna and Team will be independent body with the power of making rules and regulations and will also have the power of courts and police. After reading the above report by Mr. Muhammed Ali, I think CPIB works almost same as CBI of India works. CPIB worked well because it was given powers with good salaries and they gave emphasis over making people aware of their rights. The fact CBI couldn’t make an impact was opposite, there was no emphasis over making people aware of their rights. Another important aspect that made CPIB successful was streamlining cumbersome administrative procedures and I don’t think it’s going to happen in India with Jan Lokpal Bill. Government contractors (private bodies) were also included CPIB and were debarred for a period of five years from any public contract if they were found guilty. Jan Lokpal Bill doesn’t approve private institutions, NGOs, businessmen, media etc under its cover. In terms of selection of CPIB members it’s way different from the Jan Lokpal. There is another big difference that CPIB can only recommend the people found in corruption to be guilty to the courts, but Jan Lokpal does have powers of prosecution and impose penalties.

I searched, searched, and searched one more time to get any detail on the arrest of 142 corrupt ministers & officers in one single day as claimed in the message, but I couldn’t find a single report on such an incident. Has Google gone crazy or I’m searching for the report that was never written? There is not a single report on such an incident and all the results I got on Google and Bing search were the comments of the people. It was more interesting to note that almost everyone has Ctrl+Ced and Ctrl+Ved the same comment! No one even dared to edit a bit or make it look like original one!

Another important thing claimed in the message that in Singapore there is no tax is absurd, misleading and completely wrong. Singapore does have taxes and the upper limit of taxes is 20%. One more claim made in the message is about cheaper prices, but in reality Singapore is in the list of top 10 most expensive cities.

Other claims made in message are bit rational and one can agree with those claims. Medical facilities are no doubt better than India but Singapore is still way behind many other nations.Literacy rate is 96% not 92% in Singapore and unemployment rate is more than 2% not 1% as claimed in the message.

ALL YOU WANT TO KNOW ABOUT CREDIT RATING

What is a credit rating?  A credit rating represents the rating agency's opinion on the likelihood of a rated debt obligation being repaid in full and on time. A simple alphanumeric symbol is normally used to convey a credit rating. Is a credit rating a recommendation to invest in a debt instrument?  A credit rating is not a recommendation to buy, hold, or sell a debt instrument. A credit rating is one of the inputs used by investors to make an investment decision Does a credit rating assure repayment?  A credit rating is not an assurance of repayment of the rated instrument. Rather, it is an opinion on the relative degree of risk associated with such repayment. This opinion represents a probabilistic estimate of the likelihood of default. Who regulates a rating agency?  The capital market regulator regulates rating agencies in most regions. In India, the capital markets regulator, the Securities and Exchange Board of India (SEBI), regulates the rating agencies in the country. Who pays for a credit rating?  Most credit rating agencies across the world use a revenue model where the issuer pays for the credit rating. Alternative revenue models (such as the one based on investor fees) pose numerous challenges in terms of ease and practicality of implementation that have not yet been overcome.   If the issuer pays for the rating, how does a credit rating agency maintain its independence?  Although the issuer pays for the rating, the investor uses it. Like any other product or service, the 'value' of the rating depends entirely on the perceptions of the investor. Investor perceptions are based on the credibility of the past ratings assigned by each rating agency. How does a rating agency operate when issuers' disclosure levels are low?  During a credit rating exercise, issuers provide rating agencies with confidential information and insights into business strategy that are not normally available in the public domain. As a policy, CRISIL does not assign credit ratings without issuer interaction, except when a previously rated instrument is outstanding or when a specific investor asks for a private exercise. In cases where CRISIL believes that the information is inadequate to assign a rating, it may not do so. Also, for rated clients, if subsequent information is not adequate, CRISIL may suspend the rating and inform the investors. How do investors benefit from a credit rating?  Credit ratings help investors facilitate comparative assessment of investment options, complement the investors' own credit analysis, and allow asset monitoring. What do the various credit rating symbols mean?  CRISIL uses simple alphanumeric symbols to convey credit ratings. CRISIL assigns credit ratings to debt obligations on three basic scales: the long-term scale, the short-term scale, and the fixed deposit scale. To illustrate, CRISIL's long-term credit rating scale and the description associated with each category on the rating scale is given below:   Symbol (Rating category). Description (with regard to the likelihood of meeting the debt obligations on time) AAA Highest Safety AA High Safety A Adequate Safety BBB Moderate Safety BB Inadequate Safety B High Risk C Substantial Risk Does the minus sign in a rating symbol have negative connotations relating to the issuer's performance or its debt-servicing capability?  Plus and minus symbols are used to indicate finer distinctions within a rating category. The minus symbol associated with ratings has no negative connotations whatsoever. What is the validity period of a credit rating?  Credit ratings are assigned either to specific instruments or to the general debt obligations of issuers. CRISIL assigns credit ratings to debt obligations. A rating is valid until the rated debt obligation is fully paid. How are credit rating changes communicated?  Once a credit rating is assigned and published, CRISIL keeps the credit rating under surveillance until the instrument is fully repaid. The surveillance process may result in credit rating changes from time to time. All changes in CRISIL's credit ratings are communicated publicly through CRISIL's website (www.crisil.com) and media releases. Why do credit ratings change?  Credit ratings are assigned based on certain expectations and assumptions about variables that impact the issuer's performance. However, these variables can change, causing the rated entities' performance to deviate materially from expectations. This is reflected in their changed credit ratings. If a credit rating is downgraded, does it mean that a default is imminent?  Not necessarily. In most cases, a downgrade does not mean that a default is anticipated. All it indicates is that the risk associated with the debt obligation is relatively higher than what it was before the downgrade. Does the size of the rated debt obligation affect its credit rating?  No. What matters is the size of the total debt in the company, and not the amount that is sought to be rated. Does a credit rating assure repayment?  A credit rating is not an assurance of repayment of the rated instrument. Rather, it is an opinion on the relative degree of risk associated with such repayment. This opinion represents a probabilistic estimate of the likelihood of default.

National anthem of INDIA

Bengali Transcription	English Translation
Stanza 1 (National Anthem of India):-
Jano Gano Mano Adhinaayako Jayo Hey,Bhaarato Bhaagyo Bidhaataa Panjaabo Sindhu Gujaraato Maraathaa,Draabiro Utkalo Bango Bindhyo Himaachalo Jamunaa Gangaa, Uchchhalo Jalodhi Tarango Tabo Shubho Naamey Jaagey, Tabo Shubho Aashisho Maagey Gaahey Tabo Jayogaathaa Jano Gano Mangalo Daayako, Jayo Hey Bhaarato Bhaagyo Bidhaataa Jayo Hey, Jayo Hey, Jayo Hey,Jayo Jayo Jayo, Jayo Hey	Oh! the ruler of the minds of people, Victory be to You, dispenser of the destiny of India! Punjab, Sindhu, Gujarat, Maharashtra,Dravida(South India), Orissa, and Bengal, The Vindhya, the Himalayas, the Yamuna, the Ganges,and the oceans with foaming waves all around Wake up listening to Your auspicious name, Ask for Your auspicious blessings, And sing to Your glorious victory. Oh! You who impart well being to the people! Victory be to You, dispenser of the destiny of India! Victory to You, victory to You, victory to You, Victory, Victory, Victory, Victory to You! (refrain repeated five times)
Stanza 2:-
Ohoroho Tobo Aahbaano Prachaarito,Shuni Tabo Udaaro Baani Hindu Bauddho Shikho Jaino,Parashiko Musholmaano Christaani Purabo Pashchimo Aashey,Tabo Singhaasano Paashey Premohaaro Hawye Gaanthaa Jano Gano Oikyo Bidhaayako Jayo Hey,Bhaarato Bhaagyo Bidhaataa Jayo Hey, Jayo Hey, Jayo Hey,Jayo Jayo Jayo, Jayo Hey	Your call is announced continuously,we heed Your gracious call The Hindus, Buddhists, Sikhs, Jains, Parsees, Muslims, and Christians, The East and the West come,to the side of Your throne And weave the garland of love. Oh! You who bring in the unity of the people! Victory be to You, dispenser of the destiny of India!
Stanza 3:-
Potono Abhbhudoy Bandhuro Ponthaa,Jugo Jugo Dhaabito Jaatri Hey Chiro Saarothi, Tabo Ratha Chakrey Mukhorito Potho Dino Raatri Daaruno Biplabo Maajhey,Tabo Shankhodhwoni Bajey Sankato Dukkho Traataa Jano Gano Potho Parichaayako,Jayo Hey Bhaarato Bhaagyo Bidhaataa Jayo Hey, Jayo Hey, Jayo Hey,Jayo Jayo Jayo, Jayo Hey	The way of life is somber as it moves through ups and downs,But we, the pilgrims, have followed it through ages. Oh! Eternal Charioteer, the wheels of your chariot echo day and night in the path In the midst of fierce revolution, your conch shell sounds. You save us from fear and misery Oh! You who guide the people through tortuous path... Victory be to You, dispenser of the destiny of India!
Stanza 4:-
Ghoro Timiro Ghono Nibiro,Nishithey Peerito Murchhito Deshey Jagrato Chhilo Tabo Abicholo Mangalo,Noto Nayoney Animeshey Duhswapney Aatankey,Rokkhaa Koriley Ankey Snehamoyi Tumi Maataaa Jano Gano Duhkho Trayako,Jayo Hey Bhaarato Bhaagyo Bidhaataa Jayo Hey, Jayo Hey, Jayo Hey,Jayo Jayo Jayo, Jayo Hey	During the bleakest of nights,when the whole country was sick and in swoon Wakeful remained Your incessant blessings,through Your lowered but winkless eyes Through nightmares and fears,You protected us on Your lap Oh Loving Mother Oh! You who have removed the misery of the people... Victory be to You, dispenser of the destiny of India!
Stanza 5:-
Raatri Prabhatilo Udilo Rabichhabi, Purbo Udayo Giri Bhaaley Gaahey Bihangamo Punyo Samirano, Nabo Jibano Rasho Dhaley Tabo Karunaaruno Ragey,Nidrito Bhaarato Jagey Tabo Chorone Noto Maatha Jayo Jayo Jayo Hey, Jayo Rajeshwaro, Bhaarato Bhaagyo Bidhaataa Jayo Hey, Jayo Hey, Jayo Hey,Jayo Jayo Jayo, Jayo Hey	The night is over, and the Sun has risen over the hills of the eastern horizon. The birds are singing, and a gentle auspicious breeze is pouring the elixir of new life. By the halo of Your compassion India that was asleep is now waking On your feet we lay our heads Victory, Victory, Victory be to You, the Supreme King, the dispenser of the destiny of India!

Whereas the song "Jana gana mana" actually consists of 5 stanzas only the 1st stanza is taken as the national anthem of INDIA.