JVR INFORMATION

Simple interest is a straightforward way to calculate interest on a loan or investment, where the interest earned is only based on the initial principal amount and a fixed interest rate over a specific time period, without any compounding of interest.  This means that the interest earned remains constant throughout the loan term, making it a simple calculation to determine the total cost of borrowing or the total return on an investment.  Unlike compound interest, which adds interest to the principal amount, simple interest only applies the rate to the original principal, making it a commonly used method for short-term loans or savings accounts where the time frame is relatively short. Key points about simple interest: Formula: Simple Interest (SI) = (Principal amount x Interest rate x Time) / 100 Principal: The initial amount of money borrowed or invested. Interest Rate: The percentage charged on the principal amount per year. Time: The duration for which the money is borrowe...

Essay on Debit Card A debit card is a financial tool that has revolutionized the way individuals handle their day-to-day transactions. It serves as an electronic form of payment linked directly to a person’s bank account, allowing for seamless purchases and cash withdrawals without the need for physical currency. In the modern era, debit cards have become an essential part of financial systems worldwide, providing convenience, security, and accessibility to users. Features of a Debit Card A debit card is equipped with features that make it an indispensable financial instrument. It typically has a magnetic stripe, an embedded chip for added security, and a personal identification number (PIN) for authentication. Most debit cards are also contactless, enabling quick transactions with a simple tap. Users can use them to withdraw cash from ATMs, pay bills, and shop online or in physical stores. Benefits of Using a Debit Card One of the primary benefits of a debit card is its convenience. U...

Back during college days we had a little fun with a dewar flask and liquid nitrogen. Kind of like this Someone scooped up a handful of liquid nitrogen and threw it in my face. What do you think happened? Did my face freeze solid? No. I didn’t have frostbite either. It felt like a splash of cold water for a second and then nothing, I was dry. Quite an interesting experience really. Liquid nitrogen is denser than air and has a temperature well below -150 F. It’s only about 3% as dangerous as you think, but nonetheless well above the dangers of the air you mention. You could get frostbite within minutes, the guy who doused his t-shirt in liquid nitrogen and then put it on did get second degree frostbite on his back, but you won’t freeze solid or anything like that. The greatest danger is the shock you’ll suffer from breathing in such cold air. After that it’s the frostbite and the bitter cold, yes.

My girlfriend is a urologist, and once found this in a patient when she was assisting a surgeon as a trainee: The patient had been rushed in with extreme pain in his abdomen and was feeling very sick. The doctors had opened him up as soon as they could, not knowing what to expect. But once they saw his colon, they knew  exactly  what it was. Bowel infarction  — also known as “gangrenous bowel” or “necrotic bowel.” A bad case. The patient’s bowel was  dead . The only thing they could do was close the patient, and send him back to intensive care — there was no time left to start up palliative sedation. He died a couple of hours later. SOURCES : Phone Gallery.

I am in Pattaya right now and have been staying here for the last three days and the following are the deductions from what I have heard from cab drivers, YouTube vlogs and seen from own experience. If you don't want to land in any trouble, stay away from the massage parlours. They will lure you into something else and take you upstairs or into a separate room and they will claim that you have misbehaved with the masseuse and will call the police on you. They will blackmail you basically and you will end up parting ways with at least a couple of thousands of bahts. Similarly, stay away from any over-friendly freelancer, especially at the Pattaya Walking Street. They will try to touch you, hug you but they are not being friendly. They are finding ways to get inside your pockets and steal your wallet or snatch a chain or a ring. If you are on a very tight budget trip, avoid taking the local tuk-tuks because they charge an exorbitant price to the tourists. Either get a shared taxi or ...

"Did you know that high blood pressure doesn’t just strain your heart? It can also silently damage your kidneys, the body’s filtration system." High blood pressure, or hypertension, forces the tiny blood vessels in your kidneys to work harder. Over time, this constant pressure weakens these vessels, making it harder for the kidneys to filter waste and toxins efficiently. This strain can eventually lead to kidney failure if left unchecked. I had a patient in her early 30s with autosomal dominant polycystic kidney disease (ADPKD), where hypertension was one of her first signs of trouble. Even before her kidney function declined, her blood pressure climbed, highlighting how intimately connected the kidneys and cardiovascular system are. With medication, dietary changes, and regular monitoring, we managed her condition, but it was a reminder of how crucial early intervention is. If you have hypertension, prioritize kidney health by reducing salt intake, staying hydrated, and mana...

This incident happened in 2018, back when I was in college. During those days, I used to commute via sharing auto. The thing with these auto drivers is they won’t start the trip until there are 5 passengers seated in the auto. Since it was peak afternoon no one was there and I was sitting in the auto, for almost 30 min. I was continuously asking the driver to start the trip but he was still waiting for the passengers. But finally, after waiting for nearly an hour, he started the trip. And here comes the best part…as soon as we started the trip..he got around 7–8 passengers between the whole trip. By the time he dropped me, he had dropped all of them. That time he said something.. that I still remember “Madam, aap k kadam itne ache padhe mere auto mei, itne sawari mil gye hume” Translation: Madam, you were so lucky for my auto, I got so many passengers. A small instance that truly made me smile.

2 years ago, it was during Holi time, We had to come from Delhi to Prayagraj, we were not getting reservation in  '  AC coach  ' in any train, I was compelled to book a reservation in a sleeper coach on a train going to Bihar, West Bengal  (  via Prayagraj  ) . I thought, it's okay, at least I got a reservation in sleeper  ,  I won't have to travel in general.  :-)  We reached the platform at  '  Nizamuddin Railway Station  ' (  Delhi  ) where the train was to arrive, There was already a huge crowd on the platform and as soon as the train arrived, there was a stampede to get into the train, many people even fell here and there! It took us 10 minutes to board the train…and when we all reached our seats, we saw that there were 6 people sitting on each berth and none of them had a reservation! They all had to be removed forcefully and had to be explained that, " Brother we have reservation in this seat, and you peop...

1.Microsopic view of Table Salt Crystals. 2.That's dew drops on Lady Beetle. 3.A hypo dermic Needle piercing human skin 4.Here comes human Retina surrounded by capillaries.. 5.A Bread Mould 6. Water drop dancing. 7.Ant's hard work and persistence.

Long Post!! Hindu priests writing religious texts in the modern-day state of Jammu and Kashmir, the 1890s. 2. Portrait of four seated men, described as bankers in the caption, from Delhi in India, taken by Shepherd and Robertson in c.1863. 3. Image of two men, seated with account books and piles of coins, money changers at Delhi. 4. Market Place in Kathmandu, Nepal – 1901 5. Lion capitals, Torana beams and other sculpture fragments lying on the ground near the Great Stupa, Sanchi, Bhopal State – 1875 6. Pendant with Narasimha 9th-10th century 7. Sword From Serirangapatna - 16Th Century 8. Gupta Period Gold Coin Showing King Chandragupta II as an Archer 9. Seal Of Rajendra Chola 1 - Chola Kingdom 10. Gold dinar, c. 200-225 CE Left - Crowned, diademed king standing facing, nimbate, holding trident and sacrificing at the altar Right - Four-armed Shiva standing facing, holding trident and diadem, lotus and water pot, Bull Nandi right behind 11. Two bronze Pumps (pichkari) for the festival ...