Thursday, August 21, 2008
Wednesday, August 20, 2008
Mother's Sacrifice
My mom only had one eye. I hated her... she was such an embarrassment. My mom ran a small shop at a flea market. She collected little weeds and such to sell... anything for the money we needed she was such an embarrassment. There was this one day during elementary school.
I remember that it was field day, and my mom came. I was so embarrassed.
How could she do this to me? I threw her a hateful look and ran out. The next day at school..."Your mom only has one eye?!" and they taunted me.
I wished that my mom would just disappear from this world so I said to my mom, "Mom, why don't you have the other eye?! You're only going to make me a laughingstock. Why don't you just die?" My mom did not respond. I guess I felt a little bad, but at the same time, it felt good to think that I had said what I'd wanted to say all this time.
Maybe it was because my mom hadn't punished me, but I didn't think that I had hurt her feelings very badly.
That night...I woke up, and went to the kitchen to get a glass of water. My mom was crying there, so quietly, as if she was afraid that she might wake me. I took a look at her, and then turned away.
Because of the thing I had said to her earlier, there was something pinching at me in the corner of my heart. Even so, I hated my mother who was crying out of her one eye. So I told myself that I would grow up and become successful, because I hated my one-eyed mom and our desperate poverty.
Then I studied really hard. I left my mother and came to Seoul and studied, and got accepted in the Seoul University with all the confidence I had. Then, I got married. I bought a house of my own. Then I had kids, too. Now I'm living happily as a successful man. I like it here because it's a place that doesn't remind me of my mom.
This happiness was getting bigger and bigger, when someone unexpected came to see me "What?! Who's this?!" ...It was my mother...Still with her one eye. It felt as if the whole sky was falling apart on me. My little girl ran away, scared of my mom's eye.
And I asked her, "Who are you? I don't know you!!!" as if I tried to make that real. I screamed at her "How dare you come to my house and scare my daughter! GET OUT OF HERE! NOW!!!" And to this, my mother quietly answered, "oh, I'm so sorry. I may have gotten the wrong address," and she disappeared. Thank good ness... she doesn't recognize me. I was quite relieved. I told myself that I wasn't going to care, or think about this for the rest of my life.
Then a wave of relief came upon me...one day, a letter regarding a school reunion came to my house. I lied to my wife saying that I was going on a business trip. After the reunion, I went down to the old shack, that I used to call a house...just out of curiosity there, I found my mother fallen on the cold ground. But I did not shed a single tear. She had a piece of paper in her hand.... it was a letter to me.
She wrote:
My son...
I think my life has been long enough now. And... I won't visit Seoul anymore... but would it be too much to ask if I wanted you to come visit me once in a while? I miss you so much. And I was so glad when I heard you were coming for the reunion. But I decided not to go to the school.... For you... I'm sorry that I only have one eye, and I was an embarrassment for you.
You see, when you were very little, you got into an accident, and lost your eye. As a mother, I couldn't stand watching you having to grow up with only one eye... so I gave you mine...I was so proud of my son that was seeing a whole new world for me, in my place, with that eye. I was never upset at you for anything you did. The couple times that you were angry with me.
I thought to myself, 'it's because he loves me.' I miss the times when you were still young around me
I miss you so much. I love you. You mean the world to me.
My world shattered!!!
Then I cried for the person who lived for me... My Mother
I remember that it was field day, and my mom came. I was so embarrassed.
How could she do this to me? I threw her a hateful look and ran out. The next day at school..."Your mom only has one eye?!" and they taunted me.
I wished that my mom would just disappear from this world so I said to my mom, "Mom, why don't you have the other eye?! You're only going to make me a laughingstock. Why don't you just die?" My mom did not respond. I guess I felt a little bad, but at the same time, it felt good to think that I had said what I'd wanted to say all this time.
Maybe it was because my mom hadn't punished me, but I didn't think that I had hurt her feelings very badly.
That night...I woke up, and went to the kitchen to get a glass of water. My mom was crying there, so quietly, as if she was afraid that she might wake me. I took a look at her, and then turned away.
Because of the thing I had said to her earlier, there was something pinching at me in the corner of my heart. Even so, I hated my mother who was crying out of her one eye. So I told myself that I would grow up and become successful, because I hated my one-eyed mom and our desperate poverty.
Then I studied really hard. I left my mother and came to Seoul and studied, and got accepted in the Seoul University with all the confidence I had. Then, I got married. I bought a house of my own. Then I had kids, too. Now I'm living happily as a successful man. I like it here because it's a place that doesn't remind me of my mom.
This happiness was getting bigger and bigger, when someone unexpected came to see me "What?! Who's this?!" ...It was my mother...Still with her one eye. It felt as if the whole sky was falling apart on me. My little girl ran away, scared of my mom's eye.
And I asked her, "Who are you? I don't know you!!!" as if I tried to make that real. I screamed at her "How dare you come to my house and scare my daughter! GET OUT OF HERE! NOW!!!" And to this, my mother quietly answered, "oh, I'm so sorry. I may have gotten the wrong address," and she disappeared. Thank good ness... she doesn't recognize me. I was quite relieved. I told myself that I wasn't going to care, or think about this for the rest of my life.
Then a wave of relief came upon me...one day, a letter regarding a school reunion came to my house. I lied to my wife saying that I was going on a business trip. After the reunion, I went down to the old shack, that I used to call a house...just out of curiosity there, I found my mother fallen on the cold ground. But I did not shed a single tear. She had a piece of paper in her hand.... it was a letter to me.
She wrote:
My son...
I think my life has been long enough now. And... I won't visit Seoul anymore... but would it be too much to ask if I wanted you to come visit me once in a while? I miss you so much. And I was so glad when I heard you were coming for the reunion. But I decided not to go to the school.... For you... I'm sorry that I only have one eye, and I was an embarrassment for you.
You see, when you were very little, you got into an accident, and lost your eye. As a mother, I couldn't stand watching you having to grow up with only one eye... so I gave you mine...I was so proud of my son that was seeing a whole new world for me, in my place, with that eye. I was never upset at you for anything you did. The couple times that you were angry with me.
I thought to myself, 'it's because he loves me.' I miss the times when you were still young around me
I miss you so much. I love you. You mean the world to me.
My world shattered!!!
Then I cried for the person who lived for me... My Mother
Tuesday, August 19, 2008
Shortcut Keys
To Be Faster - Short Cut Keys
GENERAL SHORTCUTS
ALT- F4 - Quit a program / Shut down
ALT-TAB - Hold down the ALT key and hit tab to cycle through open windows.
CTL-ESCAPE - Display the Start menu
SHIFT - TAB - tab backwards through a form
CTRL - X - Cut
CTRL - C - Copy
CTRL - V - Paste
F1 - Help menu
CTRL - Z - Undo
SHIFT & Restart - To restart just windows and not your whole computer, hold down the shift key when you click the OK button on the shutdown screen. Saves lots of time. (Not for XP)
CRTL-TAB - Navigate tabs on a tabbed screen
FILE & DESKTOP SHORTCUTS
Hold SHIFT while inserting a CD - Prevents the CD from "autorunning"
If an item is selected:
CTRL while dragging a file - Copies the file
CTRL - SHIFT while dragging a file - Creates a shortcut to the file
SHIFT - DELETE - Deletes an item without sending it to the recycle bin.
ALT-ENTER - Display a file's properties.
F2 - To rename the file
In Windows Explorer:
LEFT ARROW - Collapse the current selection if it is expanded
NUM LOCK-MINUS SIGN (-) - Collapse the selected folder
RIGHT ARROW - Expand the current selection if it is collapsed -Or- Select the first subfolder
NUM LOCK- * Expand all folders below the current selection
NUM LOCK- PLUS SIGN (+) - Expand the selected folder
F6 - Switch between left and right panes
In My Computer:
BACKSPACE - View the folder one level up
ALT- RIGHT ARROW - Move forward to a previous view
ALT- LEFT ARROW -Move backward to a previous view
INTERNET BROWSER SHORTCUTS
For Internet Explorer 6 and Netscape 7 (may work in older versions)
Open History Window – Ctrl+H
Reload - Ctrl+R
Back (previous page) – Alt+Left or Alt+Backspace
Forward (Next page) – Alt+Right Arrow
Stop – Esc
Home - Alt+Home
Go to Bottom of Page – End
Go to Top of Page – Home
New Window - Ctrl+N
Close Window- Ctrl+W
Go Up one Line - Up Arrow
Go Down One Line - Down Arrow
Full Screen (toggle) - F11
Find on Page - Ctrl+F
Add Current Page to Favorites - Ctrl+D
Print Current Page or Active Frame - Ctrl+P
Organize Favorites (IE)/ Manage Bookmarks (NS) - Ctrl+B
Maximize a Window - Alt+Space+x
Minimize a window- Alt+Space+N
Scroll page up - Alt+Up Arrow
Scroll page down - Alt+Down Arrow
Internet Explorer ONLY
Open Favorites Bar - Ctrl+I
Select text in address bar - Alt+D
A faster way to type in addresses with IE is to just type in the name of the site:
Worldstart
and hit CTRL + Enter. The "http://www . " and ".com" will be added for you!
Netscape ONLY
Open / Close Sidebar Panel (toggle) - F9
Select text in Location Bar - Ctrl+L
Force Reload (not from Cache) - Ctrl+Shift+R
Zoom Text Smaller - Ctrl+- (minus)
Zoom text larger - Ctrl+= (plus sign)
WINDOWS KEY SHORTCUTS
The Windows key can be used in conjunction with other keys to act as a keyboard shortcut for faster access to menu commands. Now, while the Alt key tends to open program menus (ex: Alt+F opens the File menu and Alt+E opens the Edit menu) and the Ctrl key performs actual operations (ex: Ctrl+C will copy and Ctrl+V will paste), the Windows key will open various Windows tools...
Win key + R will open the Start menu's Run box
Win key + F will open the Start menu's Find window
Win key + E will quickly launch Explorer
Win key + Pause/Break will open the System Properties window
Win key + M will Minimize all windows
Win key + Shift + M will undo Minimize all windows
Win key + D will switch between minimizing all open programs and showing them all
Win key + Tab will cycle through items on the taskbar
Win key by itself will open the Start menu
You can also open programs or folders on your desktop by pressing the Windows key + the first letter of the program/folder/shortcut + Enter . Sounds kinda tedious, but if you're in a bind with your mouse, it can come in quite handy.
ARROW TRICKS
Here's a cool little arrow trick to try with word processing programs. Next time you're using your arrow keys to go from one area of a sentence to another (left and right arrows), hold down your CTRL key. Instead of moving one space at a time, you'll go one word at a time.
If you're using the up and down arrows to go from line to line, holding down the CTRL key will make your cursor jump from paragraph to paragraph (well, from carriage return to carriage return anyway).
One last thing, if you hold down the SHIFT key while you do this (i.e. hold down SHIFT + CTRL at the same time), you select text as you arrow along.
I've tested this in MS Word and Wordpad, but it *should* work no matter what word processing program you use.
HOME / END KEY FUN
Do you ever find yourself scrolling through a huge folder ? Well, if you need to get to the beginning or the end quickly, just press Ctrl+Home . If you want to get to the end, click Ctrl+End.
Hey, that's not all!
This little trick works on more than just folders. If you use the Home key in a word processor, it goes to the beginning of the line you're currently working on. If you hit the END key, it should head to the end of the current line. If you pair Home & End up with the Ctrl key in a word processor, you will be whisked away to the beginning or end of the document. Again, this should work, but it depends on your word processor.
Speedup your work by using keyboard more and mouse less.
Useful Shortcut:
Start + M: Minimizes all open windows
Start + Shift + M: Maximizes All Windows
Start + E: Runs Windows Explorer
Start + R: Open the RUN Dialog Box
Start + F: Open the Search Results Dialog box
Start + CTRL + F: Opens the Search Results-Computer dialog Box (if the computer is connected to a network)
Start + Pause (Break): Opens the System Properties Dialog Box
Windows System Key Combinations:
F1: Help
CTRL + ESC: Open Start menu
ALT + TAB: Switch between open programs
ALT + F4: Quit program
SHIFT + DELETE: Delete item permanently
Windows Program Key Combinations:
CTRL + C: Copy
CTRL + X: Cut
CTRL + V: Paste
CTRL + Z: Undo
CTRL + B: Bold
CTRL + U: Underline
CTRL + I: Italic
Mouse Click/Keyboard Modifier Combinations for Shell Objects:
SHIFT + right click: Displays a shortcut menu containing alternative commands
SHIFT + double click: Runs the alternate default command (the second item on the menu)
ALT + double click: Displays properties
SHIFT + DELETE: Deletes an item immediately without placing it in the Recycle Bin
General Keyboard-Only Commands:
F1: Starts Windows Help
F10: Activates menu bar options
SHIFT + F10: Opens a shortcut menu for the selected item (this is the same as right-clicking an object
CTRL + ESC: Opens the Start menu (use the ARROW keys to select an item)
CTRL + ESC or ESC: Selects the Start button (press TAB to select the taskbar, or press SHIFT+F10 for a context menu)
ALT + DOWN ARROW: Opens a drop-down list box
ALT + TAB: Switch to another running program (hold down the ALT key and then press the TAB key to view the task-switching window)
SHIFT: Press and hold down the SHIFT key while you insert a CD-ROM to bypass the automatic-run feature
ALT + SPACE: Displays the main window's System menu (from the System menu, you can restore, move, resize, minimize, maximize, or close the window)
ALT +- (ALT + hyphen): Displays the Multiple Document Interface (MDI)child window's System menu (from the MDI child window's System menu, you can restore, move, resize, minimize, maximize, or close the child window)
CTRL + TAB: Switch to the next child window of a Multiple Document Interface (MDI) program
ALT + underlined letter in menu: Opens the menu
ALT + F4: Closes the current window
CTRL + F4: Closes the current Multiple Document Interface (MDI) window
ALT + F6: Switch between multiple windows in the same program (for example, when the Notepad Find dialog box is displayed
ALT + F6: switches between the Find dialog box and the main Notepad window)
Shell Objects and General Folder/Windows Explorer Shortcuts For a selected object:
F2: Rename object
F3: Find all files
CTRL + X: Cut
CTRL + C: Copy
CTRL + V: Paste
SHIFT + DELETE: Delete selection immediately, without moving the item to the Recycle Bin
ALT + ENTER: Open the properties for the selected object
To Copy a File: Press and hold down the CTRL key while you drag the file to another folder.
To Create a Shortcut: Press and hold down CTRL+SHIFT while you drag a file to the desktop or a folder.
General Folder/Shortcut Control:
F4: Selects the Go To A Different Folder box and moves down the entries in the box (if the toolbar is active in Windows Explorer)
F5: Refreshes the current window.
F6: Moves among panes in Windows Explorer
CTRL + G: Opens the Go To Folder tool (in Windows 95 Windows Explorer only)
CTRL + Z: Undo the last command
CTRL + A: Select all the items in the current window
BACKSPACE: Switch to the parent folder
SHIFT + click + Close button: For folders, close the current folder plus all parent folders
Windows Explorer Tree Control:
Numeric Keypad *: Expands everything under the current selection
Numeric Keypad +: Expands the current selection
Numeric Keypad -: Collapses the current selection.
RIGHT ARROW: Expands the current selection if it is not expanded, otherwise goes to the first child
LEFT ARROW: Collapses the current selection if it is expanded, otherwise goes to the parent
Properties Control:
CTRL + TAB/CTRL + SHIFT + TAB: Move through the property tabs
Accessibility Shortcuts:
Press SHIFT five times: Toggles Sticky Keys on and off
Press down and hold the right SHIFT key for eight seconds: Toggles FilterKeys on and off
Press down and hold the NUM LOCK key for five seconds: Toggles ToggleKeys on and off
Left ALT + left SHIFT+NUM LOCK: Toggles MouseKeys on and off
Left ALT + left SHIFT+PRINT SCREEN: Toggles high contrast on and off
Microsoft Natural Keyboard Keys:
Windows Logo: Start menu
Windows Logo + R: Run dialog box
Windows Logo + M: Minimize all
SHIFT + Windows Logo+M: Undo minimize all
Windows Logo + F1: Help
Windows Logo + E: Windows Explorer
Windows Logo + F: Find files or folders
Windows Logo + D: Minimizes all open windows and displays the desktop
CTRL + Windows Logo + F: Find computer
CTRL + Windows Logo + TAB: Moves focus from Start, to the Quick Launch toolbar, to the system tray (use RIGHT ARROW or LEFT ARROW to move focus to items on the Quick Launch toolbar and the system tray)
Windows Logo + TAB: Cycle through taskbar buttons
Windows Logo + Break: System Properties dialog box
Application key: Displays a shortcut menu for the selected item
Microsoft Natural Keyboard with IntelliType Software Installed:
Windows Logo + L: Log off Windows
Windows Logo + P: Starts Print Manager
Windows Logo + C: Opens Control Panel
Windows Logo + V: Starts Clipboard
Windows Logo + K: Opens Keyboard Properties dialog box
Windows Logo + I: Opens Mouse Properties dialog box
Windows Logo + A: Starts Accessibility Options (if installed)
Windows Logo + SPACEBAR: Displays the list of Microsoft IntelliType shortcut keys
Windows Logo + S: Toggles CAPS LOCK on and off
Dialog Box Keyboard Commands:
TAB: Move to the next control in the dialog box
SHIFT + TAB: Move to the previous control in the dialog box
SPACEBAR: If the current control is a button, this clicks the button. If the current control is a check box, this toggles the check box. If the current control is an option, this selects the option.
ENTER: Equivalent to clicking the selected button (the button with the outline)
ESC: Equivalent to clicking the Cancel button
ALT + underlined letter in dialog box item: Move to the corresponding item
GENERAL SHORTCUTS
ALT- F4 - Quit a program / Shut down
ALT-TAB - Hold down the ALT key and hit tab to cycle through open windows.
CTL-ESCAPE - Display the Start menu
SHIFT - TAB - tab backwards through a form
CTRL - X - Cut
CTRL - C - Copy
CTRL - V - Paste
F1 - Help menu
CTRL - Z - Undo
SHIFT & Restart - To restart just windows and not your whole computer, hold down the shift key when you click the OK button on the shutdown screen. Saves lots of time. (Not for XP)
CRTL-TAB - Navigate tabs on a tabbed screen
FILE & DESKTOP SHORTCUTS
Hold SHIFT while inserting a CD - Prevents the CD from "autorunning"
If an item is selected:
CTRL while dragging a file - Copies the file
CTRL - SHIFT while dragging a file - Creates a shortcut to the file
SHIFT - DELETE - Deletes an item without sending it to the recycle bin.
ALT-ENTER - Display a file's properties.
F2 - To rename the file
In Windows Explorer:
LEFT ARROW - Collapse the current selection if it is expanded
NUM LOCK-MINUS SIGN (-) - Collapse the selected folder
RIGHT ARROW - Expand the current selection if it is collapsed -Or- Select the first subfolder
NUM LOCK- * Expand all folders below the current selection
NUM LOCK- PLUS SIGN (+) - Expand the selected folder
F6 - Switch between left and right panes
In My Computer:
BACKSPACE - View the folder one level up
ALT- RIGHT ARROW - Move forward to a previous view
ALT- LEFT ARROW -Move backward to a previous view
INTERNET BROWSER SHORTCUTS
For Internet Explorer 6 and Netscape 7 (may work in older versions)
Open History Window – Ctrl+H
Reload - Ctrl+R
Back (previous page) – Alt+Left or Alt+Backspace
Forward (Next page) – Alt+Right Arrow
Stop – Esc
Home - Alt+Home
Go to Bottom of Page – End
Go to Top of Page – Home
New Window - Ctrl+N
Close Window- Ctrl+W
Go Up one Line - Up Arrow
Go Down One Line - Down Arrow
Full Screen (toggle) - F11
Find on Page - Ctrl+F
Add Current Page to Favorites - Ctrl+D
Print Current Page or Active Frame - Ctrl+P
Organize Favorites (IE)/ Manage Bookmarks (NS) - Ctrl+B
Maximize a Window - Alt+Space+x
Minimize a window- Alt+Space+N
Scroll page up - Alt+Up Arrow
Scroll page down - Alt+Down Arrow
Internet Explorer ONLY
Open Favorites Bar - Ctrl+I
Select text in address bar - Alt+D
A faster way to type in addresses with IE is to just type in the name of the site:
Worldstart
and hit CTRL + Enter. The "http://www . " and ".com" will be added for you!
Netscape ONLY
Open / Close Sidebar Panel (toggle) - F9
Select text in Location Bar - Ctrl+L
Force Reload (not from Cache) - Ctrl+Shift+R
Zoom Text Smaller - Ctrl+- (minus)
Zoom text larger - Ctrl+= (plus sign)
WINDOWS KEY SHORTCUTS
The Windows key can be used in conjunction with other keys to act as a keyboard shortcut for faster access to menu commands. Now, while the Alt key tends to open program menus (ex: Alt+F opens the File menu and Alt+E opens the Edit menu) and the Ctrl key performs actual operations (ex: Ctrl+C will copy and Ctrl+V will paste), the Windows key will open various Windows tools...
Win key + R will open the Start menu's Run box
Win key + F will open the Start menu's Find window
Win key + E will quickly launch Explorer
Win key + Pause/Break will open the System Properties window
Win key + M will Minimize all windows
Win key + Shift + M will undo Minimize all windows
Win key + D will switch between minimizing all open programs and showing them all
Win key + Tab will cycle through items on the taskbar
Win key by itself will open the Start menu
You can also open programs or folders on your desktop by pressing the Windows key + the first letter of the program/folder/shortcut + Enter . Sounds kinda tedious, but if you're in a bind with your mouse, it can come in quite handy.
ARROW TRICKS
Here's a cool little arrow trick to try with word processing programs. Next time you're using your arrow keys to go from one area of a sentence to another (left and right arrows), hold down your CTRL key. Instead of moving one space at a time, you'll go one word at a time.
If you're using the up and down arrows to go from line to line, holding down the CTRL key will make your cursor jump from paragraph to paragraph (well, from carriage return to carriage return anyway).
One last thing, if you hold down the SHIFT key while you do this (i.e. hold down SHIFT + CTRL at the same time), you select text as you arrow along.
I've tested this in MS Word and Wordpad, but it *should* work no matter what word processing program you use.
HOME / END KEY FUN
Do you ever find yourself scrolling through a huge folder ? Well, if you need to get to the beginning or the end quickly, just press Ctrl+Home . If you want to get to the end, click Ctrl+End.
Hey, that's not all!
This little trick works on more than just folders. If you use the Home key in a word processor, it goes to the beginning of the line you're currently working on. If you hit the END key, it should head to the end of the current line. If you pair Home & End up with the Ctrl key in a word processor, you will be whisked away to the beginning or end of the document. Again, this should work, but it depends on your word processor.
Speedup your work by using keyboard more and mouse less.
Useful Shortcut:
Start + M: Minimizes all open windows
Start + Shift + M: Maximizes All Windows
Start + E: Runs Windows Explorer
Start + R: Open the RUN Dialog Box
Start + F: Open the Search Results Dialog box
Start + CTRL + F: Opens the Search Results-Computer dialog Box (if the computer is connected to a network)
Start + Pause (Break): Opens the System Properties Dialog Box
Windows System Key Combinations:
F1: Help
CTRL + ESC: Open Start menu
ALT + TAB: Switch between open programs
ALT + F4: Quit program
SHIFT + DELETE: Delete item permanently
Windows Program Key Combinations:
CTRL + C: Copy
CTRL + X: Cut
CTRL + V: Paste
CTRL + Z: Undo
CTRL + B: Bold
CTRL + U: Underline
CTRL + I: Italic
Mouse Click/Keyboard Modifier Combinations for Shell Objects:
SHIFT + right click: Displays a shortcut menu containing alternative commands
SHIFT + double click: Runs the alternate default command (the second item on the menu)
ALT + double click: Displays properties
SHIFT + DELETE: Deletes an item immediately without placing it in the Recycle Bin
General Keyboard-Only Commands:
F1: Starts Windows Help
F10: Activates menu bar options
SHIFT + F10: Opens a shortcut menu for the selected item (this is the same as right-clicking an object
CTRL + ESC: Opens the Start menu (use the ARROW keys to select an item)
CTRL + ESC or ESC: Selects the Start button (press TAB to select the taskbar, or press SHIFT+F10 for a context menu)
ALT + DOWN ARROW: Opens a drop-down list box
ALT + TAB: Switch to another running program (hold down the ALT key and then press the TAB key to view the task-switching window)
SHIFT: Press and hold down the SHIFT key while you insert a CD-ROM to bypass the automatic-run feature
ALT + SPACE: Displays the main window's System menu (from the System menu, you can restore, move, resize, minimize, maximize, or close the window)
ALT +- (ALT + hyphen): Displays the Multiple Document Interface (MDI)child window's System menu (from the MDI child window's System menu, you can restore, move, resize, minimize, maximize, or close the child window)
CTRL + TAB: Switch to the next child window of a Multiple Document Interface (MDI) program
ALT + underlined letter in menu: Opens the menu
ALT + F4: Closes the current window
CTRL + F4: Closes the current Multiple Document Interface (MDI) window
ALT + F6: Switch between multiple windows in the same program (for example, when the Notepad Find dialog box is displayed
ALT + F6: switches between the Find dialog box and the main Notepad window)
Shell Objects and General Folder/Windows Explorer Shortcuts For a selected object:
F2: Rename object
F3: Find all files
CTRL + X: Cut
CTRL + C: Copy
CTRL + V: Paste
SHIFT + DELETE: Delete selection immediately, without moving the item to the Recycle Bin
ALT + ENTER: Open the properties for the selected object
To Copy a File: Press and hold down the CTRL key while you drag the file to another folder.
To Create a Shortcut: Press and hold down CTRL+SHIFT while you drag a file to the desktop or a folder.
General Folder/Shortcut Control:
F4: Selects the Go To A Different Folder box and moves down the entries in the box (if the toolbar is active in Windows Explorer)
F5: Refreshes the current window.
F6: Moves among panes in Windows Explorer
CTRL + G: Opens the Go To Folder tool (in Windows 95 Windows Explorer only)
CTRL + Z: Undo the last command
CTRL + A: Select all the items in the current window
BACKSPACE: Switch to the parent folder
SHIFT + click + Close button: For folders, close the current folder plus all parent folders
Windows Explorer Tree Control:
Numeric Keypad *: Expands everything under the current selection
Numeric Keypad +: Expands the current selection
Numeric Keypad -: Collapses the current selection.
RIGHT ARROW: Expands the current selection if it is not expanded, otherwise goes to the first child
LEFT ARROW: Collapses the current selection if it is expanded, otherwise goes to the parent
Properties Control:
CTRL + TAB/CTRL + SHIFT + TAB: Move through the property tabs
Accessibility Shortcuts:
Press SHIFT five times: Toggles Sticky Keys on and off
Press down and hold the right SHIFT key for eight seconds: Toggles FilterKeys on and off
Press down and hold the NUM LOCK key for five seconds: Toggles ToggleKeys on and off
Left ALT + left SHIFT+NUM LOCK: Toggles MouseKeys on and off
Left ALT + left SHIFT+PRINT SCREEN: Toggles high contrast on and off
Microsoft Natural Keyboard Keys:
Windows Logo: Start menu
Windows Logo + R: Run dialog box
Windows Logo + M: Minimize all
SHIFT + Windows Logo+M: Undo minimize all
Windows Logo + F1: Help
Windows Logo + E: Windows Explorer
Windows Logo + F: Find files or folders
Windows Logo + D: Minimizes all open windows and displays the desktop
CTRL + Windows Logo + F: Find computer
CTRL + Windows Logo + TAB: Moves focus from Start, to the Quick Launch toolbar, to the system tray (use RIGHT ARROW or LEFT ARROW to move focus to items on the Quick Launch toolbar and the system tray)
Windows Logo + TAB: Cycle through taskbar buttons
Windows Logo + Break: System Properties dialog box
Application key: Displays a shortcut menu for the selected item
Microsoft Natural Keyboard with IntelliType Software Installed:
Windows Logo + L: Log off Windows
Windows Logo + P: Starts Print Manager
Windows Logo + C: Opens Control Panel
Windows Logo + V: Starts Clipboard
Windows Logo + K: Opens Keyboard Properties dialog box
Windows Logo + I: Opens Mouse Properties dialog box
Windows Logo + A: Starts Accessibility Options (if installed)
Windows Logo + SPACEBAR: Displays the list of Microsoft IntelliType shortcut keys
Windows Logo + S: Toggles CAPS LOCK on and off
Dialog Box Keyboard Commands:
TAB: Move to the next control in the dialog box
SHIFT + TAB: Move to the previous control in the dialog box
SPACEBAR: If the current control is a button, this clicks the button. If the current control is a check box, this toggles the check box. If the current control is an option, this selects the option.
ENTER: Equivalent to clicking the selected button (the button with the outline)
ESC: Equivalent to clicking the Cancel button
ALT + underlined letter in dialog box item: Move to the corresponding item
Monday, August 11, 2008
A Nice Story about Love
I once had a friend who grew to be very close to me.
Once when we were sitting at the edge of a swimming pool, she filled the palm of her hand with some water and held it before me, and said this: "You see this water carefully contained on my hand? It symbolizes Love."
This was how I saw it: As long as you keep your hand caringly open and allow it to remain there, it will always be there. However, if you attempt to close your fingers round it and try to posses it, it will spill through the first cracks it finds.
This is the greatest mistake that people do when they meet love...they try to posses it, they demand, they expect... and just like the water spilling out of your hand, love will retrieve from you .
For love is meant to be free, you cannot change its nature. If there are people you love, allow them to be free beings.
Give and don't expect.
Advise, but don't order.
Ask, but never demand.
It might sound simple, but it is a lesson that may take a lifetime to truly practice. It is the secret to true love. To truly practice it, you must sincerely feel no expectations from those who you love, and yet an unconditional caring."
Passing thought... Life is not measured by the number of breaths we take; but by the moments that take our breath away.....
Life is beautiful!!! Live it !!!
Once when we were sitting at the edge of a swimming pool, she filled the palm of her hand with some water and held it before me, and said this: "You see this water carefully contained on my hand? It symbolizes Love."
This was how I saw it: As long as you keep your hand caringly open and allow it to remain there, it will always be there. However, if you attempt to close your fingers round it and try to posses it, it will spill through the first cracks it finds.
This is the greatest mistake that people do when they meet love...they try to posses it, they demand, they expect... and just like the water spilling out of your hand, love will retrieve from you .
For love is meant to be free, you cannot change its nature. If there are people you love, allow them to be free beings.
Give and don't expect.
Advise, but don't order.
Ask, but never demand.
It might sound simple, but it is a lesson that may take a lifetime to truly practice. It is the secret to true love. To truly practice it, you must sincerely feel no expectations from those who you love, and yet an unconditional caring."
Passing thought... Life is not measured by the number of breaths we take; but by the moments that take our breath away.....
Life is beautiful!!! Live it !!!
FAQ's on Income Tax
1. If I have paid excess tax how and when will it be refunded?
The excess tax can be claimed as refund by filing your income tax return. It will be refunded by issue of cheque or by crediting to your bank account. The department has been making efforts to settle refund claims within four months from the month of filing return.
2. Why is return filing mandatory even though all my taxes and interests have been paid and there is no refund due to me?
Amounts paid as advance tax and withheld in the form of TDS or collected in the form of TCS will take the character of your tax due only on completion of self-assessment of your income. This self-assessment is intimated to the department by way of filing of return. Only then does the government acquire rights over the prepaid taxes as its own revenue. Filing of return is critical for this process and, hence, has been made mandatory. Failure will attract levy of penalty.
3. Am I liable for any criminal prosecution [arrest/imprisonment etc] if I don’t file my income tax return even though my income is taxable?
Non-payment of tax attracts interests, penalty and prosecution. The prosecution can lead to rigorous imprisonment from 6 months to 7 years and fine.
4. What are the benefits of obtaining a Permanent Account Number [PAN] and PAN card?
A PAN number has been made compulsory for every transaction with the Income Tax department. It is also mandatory for numerous other financial transactions such as opening of bank accounts, availing institutional financial credits, purchase of high-end consumer item, foreign travel, transaction of immovable properties, dealing in securities etc. A PAN card is a valuable means of photo identification accepted by all government and non-government institutions in the country.
5. Is it mandatory to file return of income after getting PAN?
No. Return is to be filed only if you have taxable income.
6. During the year, I had worked with three different employers and none of them deducted any tax from salary paid to me. If all these amounts are clubbed, my income will exceed the minimum exemption limit. Do I have to pay taxes on my own?
Yes. You will have to pay self-assessment tax and file the return.
7. Even if no taxes have been deducted from salary, is there any need for my employer to issue Form-16 to me?
Form-16 is a certificate of TDS and in your case it will not apply. However your employer must issue a salary statement.
8. What is TDS?
TDS means Tax Deducted at Source. It is the amount withheld from payments of various kinds such as salary, contract payment, commission etc. This withheld amount can be adjusted against your tax due.
9. What can I do if I am unable to get the TDS certificate [form-16 or 16A]?
It is the duty of every person deducting tax to issue TDS certificate. In spite of your asking if you are denied the certificate then there is a chance that the tax deducted has not been deposited by the deductor to the government account. Please inform the department [PRO or TDS section] which will then do the needful.
10. If I have committed any mistake in my original return, am I permitted to file a corrected return?
Yes, provided the original return has been filed before the due date and provided the department has not completed assessment. However it is expected that the mistake in the original return is of a genuine and bona fide nature.
The excess tax can be claimed as refund by filing your income tax return. It will be refunded by issue of cheque or by crediting to your bank account. The department has been making efforts to settle refund claims within four months from the month of filing return.
2. Why is return filing mandatory even though all my taxes and interests have been paid and there is no refund due to me?
Amounts paid as advance tax and withheld in the form of TDS or collected in the form of TCS will take the character of your tax due only on completion of self-assessment of your income. This self-assessment is intimated to the department by way of filing of return. Only then does the government acquire rights over the prepaid taxes as its own revenue. Filing of return is critical for this process and, hence, has been made mandatory. Failure will attract levy of penalty.
3. Am I liable for any criminal prosecution [arrest/imprisonment etc] if I don’t file my income tax return even though my income is taxable?
Non-payment of tax attracts interests, penalty and prosecution. The prosecution can lead to rigorous imprisonment from 6 months to 7 years and fine.
4. What are the benefits of obtaining a Permanent Account Number [PAN] and PAN card?
A PAN number has been made compulsory for every transaction with the Income Tax department. It is also mandatory for numerous other financial transactions such as opening of bank accounts, availing institutional financial credits, purchase of high-end consumer item, foreign travel, transaction of immovable properties, dealing in securities etc. A PAN card is a valuable means of photo identification accepted by all government and non-government institutions in the country.
5. Is it mandatory to file return of income after getting PAN?
No. Return is to be filed only if you have taxable income.
6. During the year, I had worked with three different employers and none of them deducted any tax from salary paid to me. If all these amounts are clubbed, my income will exceed the minimum exemption limit. Do I have to pay taxes on my own?
Yes. You will have to pay self-assessment tax and file the return.
7. Even if no taxes have been deducted from salary, is there any need for my employer to issue Form-16 to me?
Form-16 is a certificate of TDS and in your case it will not apply. However your employer must issue a salary statement.
8. What is TDS?
TDS means Tax Deducted at Source. It is the amount withheld from payments of various kinds such as salary, contract payment, commission etc. This withheld amount can be adjusted against your tax due.
9. What can I do if I am unable to get the TDS certificate [form-16 or 16A]?
It is the duty of every person deducting tax to issue TDS certificate. In spite of your asking if you are denied the certificate then there is a chance that the tax deducted has not been deposited by the deductor to the government account. Please inform the department [PRO or TDS section] which will then do the needful.
10. If I have committed any mistake in my original return, am I permitted to file a corrected return?
Yes, provided the original return has been filed before the due date and provided the department has not completed assessment. However it is expected that the mistake in the original return is of a genuine and bona fide nature.
Wednesday, August 6, 2008
How Bad Are iPods for Your Hearing?
Hearing loss is more common than ever before. About 16% of American adults have an impaired ability to hear speech, and more than 30% of Americans over age 20 — an estimated 55 million people — have lost some high-frequency hearing, according to a new study published Monday in the Archives of Internal Medicine. The finding has got experts — and concerned parents — wondering anew: Does listening to loud music through headphones lead to long-term hearing loss? Brian Fligor, director of diagnostic audiology at Children's Hospital Boston, explains how much damage your headphone habit might cause — and how to mitigate your risk.
Q: How much hearing loss does an iPod cause?
A: It depends on the person, it depends on how long you're listening, and it depends on the level at which you're setting your iPod.
If you're using the earbuds that come with an iPod and you turn the volume up to about 90% of maximum and you listen a total of two hours a day, five days a week, our best estimates are that the people who have more sensitive ears will develop a rather significant degree of hearing loss — on the order of 40 decibels (dB). That means the quietest sounds audible are 40 dB loud. Now, this is high-pitched hearing loss, so a person can still hear sounds and understand most speech. The impact is going to be most clearly noted when the background-noise level goes up, when you have to focus on what someone is saying. Then it can really start to impair your ability to communicate.
This would happen only after about 10 years or so or even more of listening to a personal audio device. One patient I had used his headphones instead of earplugs when he was on his construction job. He thought as long as he could hear his music over the sound of his saws, he was protecting his ears — because he liked the sound of his music but didn't like the sound of the construction noise. He had a good 50 dB to 55 dB of noise-induced hearing loss at 28 years old. We asked a few pointed questions about when he was having difficulty understanding people, and his response was classic. "When I'm sitting at home with the TV off, I can understand just fine," he said, "but when I go out for dinner, I have trouble."
There is huge variation in how people are affected by loud sound, however, and this is an area where a number of researchers are conducting studies. Certainly a huge part of this is underlying genetics. We know how much sound causes how much hearing loss based on studies that were conducted in the late '60s and early '70s, before employers were required to protect workers' hearing in noisy work environments. What was found is that when people are exposed to a certain level of noise every day for a certain duration, they're going to have a certain degree of hearing loss on average. But the amount of hearing loss might differ by as much as 30 dB between people who had the toughest ears and those with the most tender ones — a huge variation. Unfortunately, we don't know who has the tougher ears and who has the tender ones until after they've lost their hearing. So, as a clinician, I have to treat everyone as if they had tender ears.
Particularly with noise-induced hearing loss, the primary area where the ear is damaged is not the eardrum, not the part of the ear that you can see and not the bones that are inside the middle ear — it is actually deeper inside. It's where the nerve that brings the sound message up to the brain connects with the inner ear, and it involves some very specialized cells. These are hair cells, and specifically we're looking at the outer hair cells. When they're overexposed or stimulated at too high a level for too long a duration, they end up being metabolically exhausted. They are overworked. They temporarily lose their function, so sound has to be made louder in order for you to hear it. These cells can recover after a single exposure, but if you overexpose them often enough, they end up dying, and you lose that functional ability inside your inner ear. The cells that die are not replaceable.
As far as a rule of thumb goes, the figures we got in our studies were that people using that standard earbud could listen at about 80% of maximum volume for 90 minutes per day or less without increasing their risk for noise-induced hearing loss. But the louder the volume, the shorter your duration should be. At maximum volume, you should listen for only about 5 minutes a day.
I don't want to single out iPods. Any personal listening device out there has the potential to be used in a way that will cause hearing loss. We've conducted studies of a few MP3 players and found very similar results across the MP3 manufacturers. Some in-the-ear earphones are capable of providing higher sound levels than some over-the-ear earphones. That said, studies we've done on behavior show that the type of earphones has almost nothing to do with the level at which people set their headphones. It's all dictated by the level of background noise in their listening environment. When we put people in different listening environments, like flying in an airplane — we used noise we'd recorded while flying on a Boeing 757 commercial flight, and we simulated that environment in our lab — 80% of people listened at levels that would eventually put their hearing at risk. On the subway system here in Boston, the ambient noise levels are very comparable to the level on an airplane, although it sounds very different. The noise is sufficiently high that it induces people to listen to their headphones at excessively loud volume.
I'm a self-professed loud-music listener. I use my iPod at the gym, and I love it. I think it's one of the greatest inventions ever. I even advocate that people listen to music as loud as they want. But in order to listen as loud as you want, you need to be careful about how long you're listening. I would also strongly recommend that people invest in better earphones that block out background noise. Some of the research we did studied earphones that completely seal up the ear canal. These are passive sound-isolating earphones, as opposed to the ones that are active noise cancelers that block out some of the noise. As far as I can tell, both would allow people to listen to their headphones at their chosen level — and more likely at a lower volume than if they were using the stock earbuds.
Q: How much hearing loss does an iPod cause?
A: It depends on the person, it depends on how long you're listening, and it depends on the level at which you're setting your iPod.
If you're using the earbuds that come with an iPod and you turn the volume up to about 90% of maximum and you listen a total of two hours a day, five days a week, our best estimates are that the people who have more sensitive ears will develop a rather significant degree of hearing loss — on the order of 40 decibels (dB). That means the quietest sounds audible are 40 dB loud. Now, this is high-pitched hearing loss, so a person can still hear sounds and understand most speech. The impact is going to be most clearly noted when the background-noise level goes up, when you have to focus on what someone is saying. Then it can really start to impair your ability to communicate.
This would happen only after about 10 years or so or even more of listening to a personal audio device. One patient I had used his headphones instead of earplugs when he was on his construction job. He thought as long as he could hear his music over the sound of his saws, he was protecting his ears — because he liked the sound of his music but didn't like the sound of the construction noise. He had a good 50 dB to 55 dB of noise-induced hearing loss at 28 years old. We asked a few pointed questions about when he was having difficulty understanding people, and his response was classic. "When I'm sitting at home with the TV off, I can understand just fine," he said, "but when I go out for dinner, I have trouble."
There is huge variation in how people are affected by loud sound, however, and this is an area where a number of researchers are conducting studies. Certainly a huge part of this is underlying genetics. We know how much sound causes how much hearing loss based on studies that were conducted in the late '60s and early '70s, before employers were required to protect workers' hearing in noisy work environments. What was found is that when people are exposed to a certain level of noise every day for a certain duration, they're going to have a certain degree of hearing loss on average. But the amount of hearing loss might differ by as much as 30 dB between people who had the toughest ears and those with the most tender ones — a huge variation. Unfortunately, we don't know who has the tougher ears and who has the tender ones until after they've lost their hearing. So, as a clinician, I have to treat everyone as if they had tender ears.
Particularly with noise-induced hearing loss, the primary area where the ear is damaged is not the eardrum, not the part of the ear that you can see and not the bones that are inside the middle ear — it is actually deeper inside. It's where the nerve that brings the sound message up to the brain connects with the inner ear, and it involves some very specialized cells. These are hair cells, and specifically we're looking at the outer hair cells. When they're overexposed or stimulated at too high a level for too long a duration, they end up being metabolically exhausted. They are overworked. They temporarily lose their function, so sound has to be made louder in order for you to hear it. These cells can recover after a single exposure, but if you overexpose them often enough, they end up dying, and you lose that functional ability inside your inner ear. The cells that die are not replaceable.
As far as a rule of thumb goes, the figures we got in our studies were that people using that standard earbud could listen at about 80% of maximum volume for 90 minutes per day or less without increasing their risk for noise-induced hearing loss. But the louder the volume, the shorter your duration should be. At maximum volume, you should listen for only about 5 minutes a day.
I don't want to single out iPods. Any personal listening device out there has the potential to be used in a way that will cause hearing loss. We've conducted studies of a few MP3 players and found very similar results across the MP3 manufacturers. Some in-the-ear earphones are capable of providing higher sound levels than some over-the-ear earphones. That said, studies we've done on behavior show that the type of earphones has almost nothing to do with the level at which people set their headphones. It's all dictated by the level of background noise in their listening environment. When we put people in different listening environments, like flying in an airplane — we used noise we'd recorded while flying on a Boeing 757 commercial flight, and we simulated that environment in our lab — 80% of people listened at levels that would eventually put their hearing at risk. On the subway system here in Boston, the ambient noise levels are very comparable to the level on an airplane, although it sounds very different. The noise is sufficiently high that it induces people to listen to their headphones at excessively loud volume.
I'm a self-professed loud-music listener. I use my iPod at the gym, and I love it. I think it's one of the greatest inventions ever. I even advocate that people listen to music as loud as they want. But in order to listen as loud as you want, you need to be careful about how long you're listening. I would also strongly recommend that people invest in better earphones that block out background noise. Some of the research we did studied earphones that completely seal up the ear canal. These are passive sound-isolating earphones, as opposed to the ones that are active noise cancelers that block out some of the noise. As far as I can tell, both would allow people to listen to their headphones at their chosen level — and more likely at a lower volume than if they were using the stock earbuds.
Monday, August 4, 2008
For Rs 25 lakh home loan, you may have to repay Rs 1 cr
If the current interest rates stay, you might end up shelling out more than Rs1 crore to pay off a Rs25 lakh home loan. How? Read on.
Six months is a long time, especially if you happened to take a home loan back then.
Banks were charging a floating interest rate of 11% on their home loans. The equated monthly instalment (EMI) on a 20-year loan (or 240 months) of Rs25 lakh would have worked out to Rs25,805 a month.
Around one-month back, banks raised the interest rate on floating rate home loans to 11.5% and have now raised it by another 0.75% to 12.25%.
Last time, hike in interest rates were not accompanied by an increase in EMI. Banks did the smarter thing and increased the tenure of the loan. The remaining tenure of the loan went up from 240 to 269 months.
If banks were to follow the same strategy now and increase the tenure of the loan, instead of increasing the EMI, the remaining tenure of the loan would go up to 394 months. Add to this the six months of EMI you have already paid, and you are looking at a total tenure of 400 months. If you keep paying an EMI of Rs25,805 for a period of 400 months, you would have paid Rs1.03 crore (Rs25,805 x 400 months) by the end of it.
However, the bigger question is will banks allow tenures to shoot up to 400 months?
Six months is a long time, especially if you happened to take a home loan back then.
Banks were charging a floating interest rate of 11% on their home loans. The equated monthly instalment (EMI) on a 20-year loan (or 240 months) of Rs25 lakh would have worked out to Rs25,805 a month.
Around one-month back, banks raised the interest rate on floating rate home loans to 11.5% and have now raised it by another 0.75% to 12.25%.
Last time, hike in interest rates were not accompanied by an increase in EMI. Banks did the smarter thing and increased the tenure of the loan. The remaining tenure of the loan went up from 240 to 269 months.
If banks were to follow the same strategy now and increase the tenure of the loan, instead of increasing the EMI, the remaining tenure of the loan would go up to 394 months. Add to this the six months of EMI you have already paid, and you are looking at a total tenure of 400 months. If you keep paying an EMI of Rs25,805 for a period of 400 months, you would have paid Rs1.03 crore (Rs25,805 x 400 months) by the end of it.
However, the bigger question is will banks allow tenures to shoot up to 400 months?
Friday, August 1, 2008
Mobile phones double up as credit cards
Credit cards came into India long before mobile phones did. But when it comes to penetration levels, credit cards are nowhere close to mobile phones. India has over 250 million mobile phone subscribers, as opposed to only around 10 million credit card holders.
There could be many reasons why credit cards have not picked up in India. Foremost amongst them is the fact that banks are rather choosy when it comes to issuing credit cards. They often turn down applications on bizarre grounds.
For instance, two banks turned down my application for a credit card on the ground that I am a journalist (cops, lawyers and scribes are a dangerous customer segment, too, I am told).
Besides, few people meet the minimum income criteria set by the banks. In India, taking large chunks of payments in cash in order to avoid tax is still a very common practice, especially amongst the self-employed, traders and business communities. As a result, the legitimate annual income (or income in white) is often much lower than the actual income, making the person ineligible for owning a credit card.
Today, there was news that the apex bank--the Reserve Bank of India (RBI)--is in the process of formulating guidelines for a payment system using mobile phones. RBI is in discussions with banks, service providers and industry bodies to develop the payment system.
"The rapid expansion of this mode of communication has thrown up a new delivery channel for banks," RBI said in the policy statement. The apex bank plans to post the draft guidelines for this payment system on its Web site by Jun. 15.
Mobile phones as credit cards may well face some of the challenges that banks have faced issuing credit cards, such as meeting the minimum annual income criteria, checking the track record of the mobile user, hiring recovery agents to deal with defaulters etc.
But, on the whole, mobile phones have wider acceptability than other gadgets. Even the educated, upper-middle class in India has concerns using the credit card for transacting over the Internet. It would be interesting to see if people get over those fears when their mobile phone doubles up as a credit card.
There could be many reasons why credit cards have not picked up in India. Foremost amongst them is the fact that banks are rather choosy when it comes to issuing credit cards. They often turn down applications on bizarre grounds.
For instance, two banks turned down my application for a credit card on the ground that I am a journalist (cops, lawyers and scribes are a dangerous customer segment, too, I am told).
Besides, few people meet the minimum income criteria set by the banks. In India, taking large chunks of payments in cash in order to avoid tax is still a very common practice, especially amongst the self-employed, traders and business communities. As a result, the legitimate annual income (or income in white) is often much lower than the actual income, making the person ineligible for owning a credit card.
Today, there was news that the apex bank--the Reserve Bank of India (RBI)--is in the process of formulating guidelines for a payment system using mobile phones. RBI is in discussions with banks, service providers and industry bodies to develop the payment system.
"The rapid expansion of this mode of communication has thrown up a new delivery channel for banks," RBI said in the policy statement. The apex bank plans to post the draft guidelines for this payment system on its Web site by Jun. 15.
Mobile phones as credit cards may well face some of the challenges that banks have faced issuing credit cards, such as meeting the minimum annual income criteria, checking the track record of the mobile user, hiring recovery agents to deal with defaulters etc.
But, on the whole, mobile phones have wider acceptability than other gadgets. Even the educated, upper-middle class in India has concerns using the credit card for transacting over the Internet. It would be interesting to see if people get over those fears when their mobile phone doubles up as a credit card.
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