CTU - Chandigarh Transport Undertaking bus routes
I just found a PDF that is really useful for any body who is moving to Chandigarh or even living in Chandigarh. The document lists buses and their routes with timing etc. CTU - Chandigarh Transport Undertaking bus routes
I have used CTU services for more than 3 years and though it is not a world class service but its still much better than Noida. New buses are also good.
ULIPs are not doing good!
Last year, when I was looking for better way to save my money, some one suggested me to put all my money in ULIP. At that time Sensex was booming. Though the sub prime crisis in USA were starting to show up but still Indian markets were rising and shining every morning. The guy who sold me the policy assured me that market will touch 20K and when I talked skepitically he again assured me that even if the market sank it will touch 16K and may hover around 15K in worst case scenario.
I invested my money and the starting NAV for the units in my ULIP were at 13 Rs. Cool, I said to my self. 
Today the Sensex is 8900 points. I have invested more than 1.5 Lac Rs in ULIP and the NAV values of Units I have is 7.5 Rs. which even touched 16Rs. Yes the markets touched 20K. And despite global economic slowdown India is still shining though we have lost some shine.
My investment of 150K plus now stands at 80K 
but am hopeful and am determined not to give up easily. I have decided to continue with this investment. The brighter side of this slowdown is that I can buy the same units at 7.5Rs which I purchased at 16 Rs and then I can hope that markets touch atleast 12-15K after one and half year and I can get return on my invesment.
kis kis ka naam le ye kaafir, kis kis ki bewafai ke kisse sunaye aap ko,
ik maut se wafa ki umeed hai, kambakhat wo bhi bewafa hai ab tak kya batayen aapko
I still feel the couplet is not balanced, but still a start.
Simple way to torture urself
is to fall in love with a life less and emotion less thing.
Call this faith or religion but in the end you end up suffering. Stones dont move untill and unless a force is applied. Images dont move untill and unless animated. And humans dont love untill and unless they see some thing in return.
