SUNDAY, SEPTEMBER 27, 2015 (PAGE-2) CAREER COUNSELLING THIS WEEK FOR YOU 27TH SEPT. TO 03RD OCT. 2015 1. ARIES: 7. LIBRA : The ruler of your Sign Mars, posited in the 6th With your spouse raking up old issues, you Schemes for self employed House and Saturn posited in the 9th may be in for a difficult time this week, House, aspect each other's position. foretells Ganesha. Avoid all arguments and Professionals are likely to have a stressful one-upmanship to maintain peace and Gauri Chhabra eligible segments are Micro Enterprise time at work, on account of this conflict harmony at home. From Wednesday, you (manufacturing/ services) as defined between Mars and Saturn. Your superiors may relax and focus on other relevant may pressurise you to raise the bar, and you issues. Professionals are likely to feel comfort- China just devalued its currency. under MSMED Act and by RBI. are likely to have a tough time satisfying them. With Mars able. Businessmen are likely to be happy about striking a This kicked off a chain of events - a bat- Unlike any other loan scheme where aspecting the 1st House, your self-esteem will be high. You profitable deal on Wednesday or Thursday. On the health may strongly resent this continuous monitoring by your boss front, things will be fine, and even if any problem crops up, tle of currencies, a downslide of glob- banks ask for collateral, track record, rev- and may feel like rebelling. However, Mars is posited in con- the influence of Jupiter is likely to help you recover fast. al stocks, an erosion of exports. Is the enue flow to the company, last 3 years junction with Jupiter in the 6th House. Jupiter is likely to have For old niggling health issues, you are likely to come across a soothing effect on you and make you tolerate the situation the right medicine to help cure it at the earliest. In money current market turmoil foreshadowing balance sheet etc, under this scheme and focus on the task on hand without complaining. Some matters, the situation may be a bit tight. Refrain from mak- yet another region-wide bust?Will the those are not the parameters to analyze monetary gains are likely to accrue towards the end of the ing fresh investments this week so that you can meet your a proposal. Banks analyze the promoter week, which will put you in a happy frame of mind. You shall increasing expenses. On the romantic front, you are likely economy slow down? If yes, should we enjoy quality time with your family over the weekend. to find that 'special someone' you have been dreaming be keeping our food where the mouth team, investor's profile, innovative idea 2. TAURUS: about. is? If you are about to start a new ven- and revenue visibility and the following Personal expenses, particularly those relat- 8. SCORPIO: ed to some addiction, are likely to become Some unexpected health issue is likely to crop ture or have just invested in one, you terms and conditions: difficult to manage this week, says up this week, predicts Ganesha, and you may should know from where you can get *It should be a private limited compa- Ganesha. Returns from investments have to be hospitalised for a couple of days. made earlier may get delayed. This is like- Your strong immune system is likely to help money to start, survive and thrive. ny and should have SME /SSI registra- ly to add to your worries. A friend is likely to you recover fast and get back to work. Like all financial tsunamis do, they tion come to your rescue to help you in this finan- Wednesday onwards you are likely to get cial crisis. You may need liquid funds for your investment busy with professional activities. With the ruler teach us to be innovative. We think of *Should have been funded by angel plans. Professionals may have to ask for a loan from the com- of your Sign Mars in conjunction with the benevolent ways to cut costs and explore options investor. pany you work for. Old health issues are likely to continue to Jupiter in the 11th House, you are likely to make good bother you this week. There is a possibility of getting injured monetary gains. Make the best use of available opportu- to generate cash. So, if you have been *There should be a share purchase around Monday and Tuesday. However, no major damage is nities. You need to control your personal expenses to toying with the idea of setting shop,do agreement and share allotment proof is foreseen. Problems related to the digestive system may increase savings. On the romantic front, it is likely that you cause anxiety. Freshers looking for a suitable job opportunity may develop a soft corner for a colleague. Love birds are not be bowed down by the current turn mandatory may have to compromise on the position offered. However, likely to have a fun time this week. In marital life things long-term prospects look encouraging. Those of you looking of events. As they say, man and the *Extent of financing of the project cost: are likely to run smoothly and you will be satisfied with for an opportunity to express your love for someone will moment seldom unite, and when they 10% from promoters, 20% from investors have to wait patiently for a more auspicious time. Overall, the state of affairs. Freshers looking for a suitable job this does not appear to be a very favourable week. opportunity may not be able to clear the interview. do, time is always opportune and mag- (any angelfunds, VCs, individuals 3. GEMINI : 9. SAGITTARIUS : *Term loan or working capital assis- Mars positioned in the 10th House aspects your ic is created. You are likely to be stressed due to strained tance will be provided relations with an old friend this week, Sign, which is likely to energize you and you So, if you are looking at starting foresees Ganesha. Your efforts to mend may then apply yourself with renewed your own business, here are some *Term loan is for a maximum period of vigour and conviction to your tasks. Mars fences may not work for the time being. 7 years and maximum moratorium period On the financial front, you may lose some and Jupiter in conjunct, are likely to help options that have existed and you can money unwittingly on Wednesday or enhance your prospects in general. Jupiter consider exploring: of 3 years Thursday. Issues related to personal life are like- aspects the 2nd House, related to money mat- *Expenses eligible for assistance are handing over a share of the business nor- (TBIS), University of Delhi , South Cam- ly to bother you over the weekend. A negative planetary ters, so it is likely to help strengthen your financial position. SELF-FUNDING configuration is that Mars and Saturn are having a square Jupiter also aspects the 6th House from your Sign. If you have enough cash, now is the Product development expenses, Pur- mally comes from venture capitalists or pus aspect over each other's position. Mars stationed in the Professionals are likely to be better placed and feel comfort- time to invest. The investment will create chase of machinery, tools, computers etc business angels who are "high net worth" *Microsoft Accelerator at Bangalore 4th House and Saturn in the 7th House is not a good able with their position. On the health front, if you have any proposition. Relations with your better-half are likely to niggling problems, the influence of Jupiter is likely to help you a virtuous cycle and by the time the econ- Besides, ICICI Bank also provides two individuals.Unlike lenders, these kinds of *NSRCEL, IIM Bangalore: Physical take a dip. Both of you are likely to criticise each others' root it out once and for all. With the ruler of the 7th House, omy revives itself, your business would types of collateral free loans- the Smart investors don't normally have the legal incubation facility at IIM Bangalore cam- conduct. Raking up old issues is likely to further deterio- related to marital life, Mercury moving in retrograde mode, rate relations. Professionals may not get along well with you may be unhappy with the conduct of your life partner. have overcome the initial hiccups and Business Loan (SBL), which is an unse- right to charge interest or to be repaid by pus. Support includes subsidized facili- superiors. You may feel that you deserve a better position Your spouse is likely to become indifferent and may not would be in full swing. Nitin Maheshwari, cured overdraft facility up to Rs. 25 lakh a particular date. The return on their ties like office space, power and infra- and more money. This may prompt you to look at alterna- respond to your needs. Harmony in marital life is likely to get investment is usually paid in dividend pay- tive options. However, planetary alliances do not seem to disturbed. co-founder and Chief Executive of Medix- given to existing ICICI Bank customers structure and services like finance, legal, support a change for now. Hence, you need to have 10. CAPRICORN : ion, a Chandigarh based community and under CGTMSE scheme up to Rs. 1 ments and depends on the growth and HR etc. patience and bide your time. You are likely to face serious problems on the profitability of the business. 4. CANCER: domestic front in the initial stages of the space for Physiotherapists says: "Many Crore CROWD FUNDING You are likely to be concerned about con- week with Moon posited in the 4th House people keep working in their job or con- GOVERNMENT SCHEMES You can share your business idea with One of the new concepts of raising straints experienced while performing in conjunction with malefic Ketu. You may any incubator. In case they like your idea, your professional duties, says Ganesha. incur some expenses on the repair and tract in order to slowly get their business You can also explore the option of 'The capital through the use of internet or social There does not seem to be any way out maintenance of your refrigerator or home started. You keep on testing the waters, Pradhan Mantri MUDRA (Micro Units they would invest in it for a dividend in networking sites is Crowd funding. In this of this tricky situation. You need to PC. You may even think of replacing your ram- return. There are all kinds of efforts in this remain focused, and wait patiently for the shackle TV. On Wednesday and Thursday you shall have an but if you do that for too long, the disad- Development Refinance Agency) method, if you want to raise funds, you right opportunity to surge forward. The influ- enjoyable time with your life partner. This can be attributed vantage can be that you lag behind as Yojana', which has a corpus of Rs 20,000 direction - Govt supported Institute based would be required to create an online pro- ence of Mars over its own Sign in the 10th House will to the ruler of the 7th House, Moon, being exalted in the 5th crore, can lend between Rs 50,000-Rs 10 technology incubators, Private business keep you energised and you will act with conviction. The House, related to love and intimate relations. Your spouse someone else may have the first - mover file and explain your project and fund-rais- ruler of the 9th House, related to fortune, Jupiter will also be a pillar of support for you while you carry out advantage. By the time you enter the mar- lakh to small entrepreneurs and will act incubators started by industry veterans ing goals and share the same with public aspects its own House. This alignment will help you in your professional or business responsibilities. However, it ket, you would already have a set of com- as a regulator of all 'Micro-Finance Insti- and startup accelerators supported by at large, including your peers, relatives, making concrete progress towards your goals. So do not will be the same old grind at the workplace, and the monot- companies and VC funds. There are dif- despair, and peg on with your work in a positive frame of ony may get under your skin. Businessmen may be in for petitors who are ahead of you just by tutions'.MUDRAscheme is aimed at fund- and the like. It connects investors with mind. No negative planetary alignments will take place some disappointment with turnover likely to take a dip. virtue of their timing and speed. So, in ing the unfunded.It has been set up for ferences between how they incubate, small business startups and projects this week to stop you from performing efficiently. Ganesha advises you to plan alternative marketing strategies structure the program, operate, fund and Freshers looking for employment are likely to land a job, to increase sales, and thereby profits. case you are sitting on a pile of cash, you development and refinancing activities through an online transaction portal that but you may not get your desired position. However, accelerate the ventures. 11. AQUARIUS: can start your new venture before you go relating to micro units. removes barriers to entry. future growth prospects are bright. Love birds are likely Ganesha foretells that this week the planetary SOME INCUBATORS AND to have an enjoyable time this week. configurations suggest that certain health in for other options". It also provides refinance to banks and Of the three crowdfunding models, 5. LEO: other institutions at 7 per cent.MUDRA's ACCELERATORS issues may crop up suddenly, and you may COLLATERAL FREE LOANS namely the Donation model, lending mod- You are likely to become tentative and hes- have to be hospitalised for a couple of days. If you thought that taking a loan would delivery channel is conceived to be *Indian Angel Network (IAN) Incuba- itant to take risks this week, predicts This is bound to involve a considerable el and the investment model - donation- amount of monetary outflow. Since traveling be an extra burden on you, hold on. You through the route of refinance primarily to tor: Established from the support of Ganesha. From around Wednesday after- based crowd funding is the most pragmat- noon till the weekend, you may remain is also foreseen this week, you will have to take can go in for collateral free loans covered NBFCs / MFIs, besides other intermedi- National Science and Technology Entre- busy attending pressing job-related mat- extra care of your health while you are away from home. ic approach as of now. Lending-based Totally avoid junk food. Stick to a simple and nutritious diet, under Credit Guarantee Fund Trust for aries including Banks, Primary Lending preneurship Development Board (NST- ters. Professionals, be warned that peers may microfinance platforms like KIVA need such as seasonal fruits and fruit juices. Domestic matters may Micro and Small Enterprises (CGTMSE) Institutions etc.It has already created its EDB), Department of Science & Technol- try to misguide you regarding official procedures to fol- need attention on Wednesday and Thursday. The academic initialproducts / schemes. The interven- approvals from the central bank. Howev- low. Don't get carried away by anything that anyone says, performance of your children may leave you frustrated, but scheme, introduced by Government of ogy (DST), Govt. of India. The ventures tions have been named 'Shishu'-covering and remain focused on your work. Freshers in search of a instead of scolding them, try to motivate them to do better. India and SIDBI. are incubated for 18-24 months. er, there are legal issues around crowd- suitable job opportunity are likely to receive a favourable On Thursday and Friday you may expect monetary gains from loans upto 50,000/, 'Kishor'-covering Under this scheme, the bank offers *Technology Business Incubator, IIT funding in India, since equity-based online response. In marital life, you are likely to feel happy and unexpected sources, which will raise your spirits. Returns from loans above 50,000/- and upto 5 lakh and will enjoy sensuous pleasures without reservations. investments made earlier, too, may be very encouraging. collateral free loans up to Rs. 1 crore to Delhi: Proposals are accepted from ven- crowdfunding is not legalized in India. Those of you looking for a romantic relationship may also However, on the domestic front, there may be no respite from 'Tarun'-covering loans above 5 lakh to 10 bothersome issues. realize the areas of those entrepreneurs tures that should be initiated by one or SUMMING UP be in luck. On the health front, you may fall prey to skin lakhto signify the stage of development 12. PISCES : who have viable projects or proposals but more members of academic staff, stu- Therefore, if you are planning to start diseases or blood related problems. You need to get a This week your focus is going to be on family and funding needs of the beneficiary micro complete blood check-up done at the earliest, which will and finances, as Moon is posited in the 2nd lacks adequate collateral security to offer. unit or entrepreneur and also provide a ref- dents or alumni of the Institute or a facul- your business, do not be under the down- diagnose the exact problem. The week is auspicious for House in conjunction with malefic Ketu, The purpose is Fund Based: Working erence point for the next phase of gradu- ty-student led company for this technolo- turn weather. Weather it out by exploring planning a pleasure trip with your family and dear ones, says Ganesha. This indicates that you may Capital and Term Finance for capital gy incubator. which will strengthen your bonds. have difficulties in resolving matters ation growth.Bank of Baroda has started the options you have hitherto unexplored, 6. VIRGO: related to these two issues. There may be expenditure or takeover of existing loans providing loans under Mudra Scheme. *GSF: multi-city accelerator with pres- and turn it around- into an opportunity. Monday blues are likely to torment you as some old unresolved domestic issues which and non-fund based limit viz., Bank Guar- EQUITY FINANCE ence in Delhi, Mumbai and Bangalore. this week begins, says Ganesha. You may may come to the fore again, but this time instead of post- For queries contact gauri_nagpal @yahoo.com be very tentative while applying yourself poning them, Ganesha advises you to resolve them once antee (BG) and Letter of Credit (LC). The You can also raise capital in return for "*Technology based Incubator Society to the tasks of the day. However, from and for all. Businessmen are likely to be upset that some Tuesday you are likely to get back in your outstanding dues are not being repaid, and at last you may elements. You shall organise things and set have to write them off as bad debts. Some old friend is like- your priorities to improve your efficiency. For the rest of ly to come calling on Wednesday, and you may enjoy walk- the week, you are likely to remain busy clearing up the ing down memory lane with him/her. On Thursday, you may SPORTS SPHERE INNER VOICE backlog. Professionals handling offshore projects may be blamed for no fault of yours in domestic matters. Take it have to rush things to meet the requirements of the easy, as this is only the effect of a transiting planet. You may clients. Mars, now posited in your Sign and Saturn posited incur extra expenses for some requirement of children on Born in the year 1973, Leander Paes is an in the 4th House from your Sign, aspect each other. On the Friday. Indian Tennis Star from Calcutta. He is the third BELIEVE ME! negative side, you may get injured accidentally. Though it will not be too serious, you may be advised to take a cou- Indian to win Junior Wimbledon title and second You can climb any mountain But letting it go is the toughest, ple of days off to rest. Those of you having cardiac or You can bear any pain, Believe me! blood pressure related problems need to be careful and after Ramesh Krishnan to win two junior titles in have regular check-ups. Love birds are likely to have an You can fail and again try You can overcome your worst fear enjoyable time this week, assures Ganesha. Grand Slam Tournament. He won two team gold Show tears or not, you can cry, You can listen to God if u hear, medals and one individual bronze in Hiroshima But letting it go is the toughest You can become one if u preach Games,1994. In 1995, he beat the twice Believe me! You can be a bird, CIPHER DECIPHER Wimbledon finalist, Goran Ivanisevic in the You can survive like’s worst phase anywhere u can reach You can win any race, But letting it go is the toughest, e-mail: [email protected] Davis Cup zone match. Leander Paes won You can be anything you dream Believe me! Hi Friends! We are back with your favourite column for the week. Please bronze medal for India at Atlanta Olympics in You can shout, you can scream Jogi have a look at OUR MESSAGE before you send in your message to us. 1996. He won six titles in men's doubles in 1997 1. To all from Suraj Singh: “ The most important thing is to try and inspire people so that they can as also 1998 Italian Open alongwith Compatriot Mahesh Bhupathi but 1998 GAMBLE be great in whatever they want to do”. proved unlucky for the India duo losing Austalian and Wimbledon in men's dou- Life is nothing but a gamble Now the ghost of the 2. From Golu Jamwal to all: “ What we fear doing most is usually what we most need to do”. In which you either win or lose past comes to you 3. To all from Shyam Lal Mehra: “ The farmers are the founders of civilization and prosperity”. bles. He is the second Indian after Vijay Amritraj to win the Hall of Fame Tennis A smart player gets to be the winner, It tells you to have a 4. From Radhika Mehra to all: “ Let your life lightly dance on the edges of time like dew on the tip Award. He proved a giant killer by defeating No-1 Pete Samprass in ATP Tour. of a leaf”. Others have to pay their dues look at your mistakes 5. To all from Anil Kumar Nanda: “ Courage is what it takes to stand up and speak. Courage is also Earlier, Paes enrolled with the Britania Amritraj Tennis Academy in Madras The world becomes your audience You feel sorry. what it takes to sit down and listen”. (Chennai) in 1985, where he was coached by Dave O Meera. The Academy They see you place your bets What will you do now? 6. From Dr Poonam Nanda to all: “ If you are not willing to learn, no one can help you. If you are played a key role in his early development. He shot into International fame when You put everything at stake Thinking about tomorrow willing to learn, no one can stop you”. 7. To all from Anil Kumar Nanda: “ The will to win is important but the will to prepare to win is he won the 1990 Wimbledon Junior title and rose to No-1 in Junior World And pretend you have no regrets. your heart aches You put your mind and Then, you wipe your tears vital”. Rankings. Leander currently features in the doubles events in the ATP Tour and 8. From Sanjay Dhar to all: “ Success is the ability to go from failure without losing your enthusi- soul in the game and come out of your trance. asm. A minutes success pays the failure of years”. the Davis Cup Tournament. You make sure you No longer will you cry and plead 9. To all from Faizan Sheikh: “ The person who says it cannot be done should not interrupt the per- ever step is right So what if your life is a gamble, son who is doing it”. 10. From Anl Kumar Nanda to all: “ Peace begins with smile”. Alas! You realize, Grab another table, 11. To all from Usha Raina: “ All our dreams can come true if we have the courage to pursue them”. Identify the Player: you took a wrong turn who knows, 12. From Rishab Raina to all: “ Efforts and courage are not enough without purpose and direction”. And you find yourself in you might succeed. 13. To all from Aryaman Tickoo: “ Life is a difficult game. You can win it only retaining by your birth the dead of the night Ayushi Mahajan right to be a person”. BEST MESSAGE Write a brief description LIFE The award of rupees 200 for this week’s best message has gone to NYSA HANGLOO To pass life is sign of weakness Living life is antidote of pass time D/o RAKESH KUMAR R/o 1/7, VIKAS NAGAR, JAMMU for the message “ Silence is one great about him in 250 words. art of conversation”. Most of us pass life brave live life Idle brain pass time Congrats. The prize money would be sent to you through money order Questions of this week: Circumstances do not disturb brave occupied live life The Contestants are requested to send their mobile numbers, 1. Who will lead India A team against forthcoming Series against South Africa-A? Brave adjust life to make worth living Pass time is to throw time as the winner will be intimated through SMS 2. For which team Paras Dogra played in IPL-8? To pass life is wastage of time in waste basket Cut it Here 3. Which faction of JKCA fielded the team in the first match against Punjab in Under- To live life is to enjoy life Journey of life become throny CIPHER—DECIPHER 19 Girls BCCI Tournament? Never pass life, utilize time Make journey rosy, by living life 4. Who partnered Sania Mirza in Guangzhou Open women's doubles event? Time lived well, give pleasure S.P. Gandotra 5. Who is Amitabh Choudhary? MESSAGE CHIT To live life, make journey 109/1 Trikuta Nagar, Answers of the last week: Name...... of life pleasant Jammu Address...... 1. Sanju Samson 2. Delhi Daredevils 3. Ansari faction (so far) 4. 42nd 5. Con- gress leader and chairman IPL...... The best entry of this week was received from Sanjay Dhar, Lane No 1, H No-3, UNFORGETTABLE UDHAMPUR Message...... Upper Laxmi Nagar, Sarwal Jammu. It’s been seven years away and I miss you my Udhampur, ...... The other entries of the week were from Gaurav Sharma, Gandhi Nagar, Jam- from my motherland, I am proud to be born ...... mu; Satish Kumar, New Plots, Jammu; Ramesh Singh Jasrotia, Vijaypur, Samba; But still the memories of in Udhampur and Udhampur are unforgettable, Cut it Here Anubhav Anand, Bakshi Nagar, Jammu and Sachin Singh, Gadigarh, Jammu. I thank God for giving My school and temples near me the best family, OUR MESSAGE Dear Contestants, please send your reply within five days to:- Devika River are still fresh One day, I am sure, # Please do mention pin code number of areas while sending your mes- in my memories, sage to EXCELSIOR. I will make Udhampur proud. SPORTS SPHERE, DAILY EXCELSIOR Kalari, cheese and food # Your message must reach us by Friday evening. Anish Kumar made by mom is the # To send your message, use CIPHER-DECIPHER message chit. C/O EXCELSIOR HOUSE, JANIPUR, JAMMU. PIN 180007 (Udhampur) # Your entries should be brief and original. We use those messages devoid best in the world, Or through e-mail: [email protected] Vit University, Vellore, India of hurting the sentiments of the people. The Contestants are requested to send their mobile numbers, Dogri folk songs now also # Out of the messages we receive, one of the message is selected for the as the winner will be intimated through SMS. bring tears in my eyes e-mail: [email protected] award. HARESH SINGH — RAJESH DHAR Edited by: Neeraj Rohmetra, E-mail: [email protected]