AMAZON.IN.BOOKS/BOOKLOVERS 087-21

Friday, January 30, 2026

SOUTH INDIAN VEGETARIAN SPECIALITIES

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Thursday, January 22, 2026

TAMIL NADU BUS SERVICE






The Tamil Nadu State Transport Corporation (TNSTC) manages inter-city/state buses, with its head office in Chennai at Pallavan Salai, while intra-city Chennai public transport is run by its subsidiary, the Metropolitan Transport Corporation (MTC). You can book TNSTC buses online via tnstc.in

, use their app, call 9513948001 for bookings, or reach customer care at 149 for general queries or WhatsApp 9445014448 for complaints. 

  • Head Office (TNSTC): Thiruvalluvar House, Pallavan Salai, Chennai - 600002.
    • Online Booking/Queries: 9513948001 / 08066006572 (Toll-Free).
    • Customer Care (General): 149 (Arasubus).
    • Complaints/Suggestions: WhatsApp 9445014448.
    • Website: www.tnstc.in
       for bookings and info.       
    • TNSTC (Inter-State/City): Operates long-distance buses to other states and major cities within Tamil Nadu, including luxury options like AC sleepers.
    • MTC (Chennai City): Handles all local bus services within Chennai. 
    • MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
    • Tamil Nadu's transport sector financial health shows a mixed picture, with the funding arm, Tamil Nadu Transport Development Finance Corporation (TNTDFC), generally profitable and mobilizing public deposits for transport needs, while the actual State Transport Corporations (STCs) have faced significant financial challenges, accumulating large losses, as highlighted by CAG reports, despite efforts to increase ridership and fund new buses via TNTDFC. Key entities like TDFC
       (profit-making, managing deposits), TNSTC Villupuram
       (revenue-generating but facing losses), and the overall system (high)
    • Tamil Nadu Transport Development Finance Corporation (TNTDFC):
      • Role: Raises funds from the public through deposit schemes to finance State Transport Undertakings (STUs).
      • Performance: Consistently profitable, with revenue and profits growing in recent years (e.g., Rs. 1173.35 Cr revenue, Rs. 36.23 Cr profit after tax for FY2023).
      • Liquidity: Maintains healthy cash balances and credit lines to support STU working capital.
      • State Transport Corporations (STCs) (e.g., TNSTC Villupuram, Coimbatore, etc.):
        • Challenge: Accumulated substantial losses, reaching over ₹48,000 crore by 2022, noted by the CAG.
        • Operations: Manage bus fleets, facing high operating costs despite increasing ridership (e.g., 1.70 crore daily riders in 2022-23).
        • Financials: Some individual corporations show revenue (e.g., TNSTC Villupuram ₹2300 Cr revenue for FY2024), but overall system debt is a major concern. 
        • Overall Financial Health:
          • Debt Burden: High accumulated losses across the STCs are a significant liability, even as TNTDFC provides loans for new buses and working capital.
          • Social Investment: The government views STUs as crucial for public mobility, but this social objective often conflicts with financial viability, leading to reliance on funding from TNTDFC and government support. 
          To get detailed balance sheets, you typically need to access annual reports from TDFC or financial data providers like Tracxn for specific STCs.
        •  1. MAKE ALL BUSES ACCIDENT FREE, FULLY MAINTAINED, 

    • WELL MANAGED.
    • SEE THOSE DO NOT GET FIRED AND PUT THE PASSENGERS' LIVES IN DANGER.
    • APPOINT THE RIGHT EXPERIENCED DRIVERS WHO ARE MORE 
    • CAREFUL THE NON-SMOKING, NON-DRINKING ,NON-GANJA
    • GIVE THEM PROMOTIONS WHEN THEY PERFORM WELL.
    • FIRST TRY TO CLEAR THE LOANS .
    • NEVER GIVE ANY FALSE PROMISES.
    • NO MAN WHO HAS SELF-RESPECT WILL ACCEPT FREE TRAVEL
    • EXCEPT THOSE WHO ARE REGULAR VISITORS TO TASMAK.
    • RUN SPECIAL BUSES STRAIGHT TO TASMAK AND BACK.
    • IN WHAT WAY THE NEW ONE WILL BE DIFFERENT EXCEPT CHANGE IN THE GENDER. 
    • NOT ALL BUSES ARE WELL MAINTAINED, WHEELS RUNNING AWAY FROM THE BUS AND OTHER FREQUENT BREAKDOWNS.
    • DO NOT PROMISE FREE THINGS ANS MAKE EVERY ONE CRAVING FOR THAT. LET THEM NOT BE GLORIFIED BEGGARS.
    • MMMMMMMMMMMMMMMMMMMMMMMMMMM

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    Tuesday, January 20, 2026

    $IYRI and 25 YEARS DIV. PAYING COMPANIES









    • https://youtu.be/rvIwjesQG1M?si=2m9BQ2RoZberSq2J $IYRI
    • https://youtu.be/0xFt7LBVXlQ?si=ESOzj5H9X16-GYQh12 DIV
    • https://youtu.be/Nf6nv34gwSQ?si=SXghJgdgy6XliliC 25 YEARS
    • I own SPYI, QQQI, IWMI and IYRI - love my NEOS Funds!!
    • I replaced VNQ with IYRI, & I’m excited about the extra income! Great interview, very informative!
    • No joke I opened up YouTube this morning to see if there is any videos about IYRI and lo and behold what has Armchair been up to this week, but exactly what I was looking for. Great minds think alike.
    • I have SPYI, QQQI, and IWMI. Will look into this one as well. Good video.
    • IYRI and RIET are my 2 choices for monthly real estate
    • income
    • I've been a holder of IYRI since inception. Thanks for this pointed interview. I had to rewind a few times so I could understand the esoteric discussion. Great job as always. Garrett exudes confidence. Looking forward to the gold ETF distribution rate.
    • Thanks, Armchair, for your discussion with Garrett on IYRI. I currently do not own shares in IYRI but will dig deeper into it to see if it's an investment I might add to my income portfolio. Good stuff!
    • NEOS also hits a sweet spot for me. I bought some of this for my Roth for diversity. If interest rates drop, NAV goes up and it looks like that will happen. REITs are the best way to capture interest rate decreases and NEOS will catch options income on the other side when rates go up due to volatility. I like the entry point now.
    • Another great interview with Garrett. It put a smile on my face when I saw he would be your guest again. Always a pleasure to see the questions and answers from the fund managers. I also hold some of IYRI and other NEOS funds, I think I hold six of their funds. I will be looking into IAUI for future investment opportunities. Thanks Armchair Income, for continuing to bring like investors these wonderful and informative interviews.
    • A better way to estimate future dividend yield is to take the lowest payout, multiply it by 12 and divide by the current price or whatever price you pay for the shares. It will likely underestimate your actual return but anything over that is icing on the cake. The NAV is meaningless unless it's close to what you pay or can pay for the shares.

    I had some real estate (REITS) but got out of them due to recent volatility. I like the sound of this one and may look at if in a month or so. I hope my CSWC rebounds some in the next month, I might sell it after its EX date then use those funds to buy IYRI before its EX date to double dip in my IRA. I am up in total returns on CSWC but it seems a bit volatile lately and I am over represented in my BDC's and have no real estate holdings at the moment.




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    Monday, January 5, 2026

    INDU PHOTOS


     

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    Saturday, January 3, 2026

    SRIMAD BHAGAWATH GEETHA



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    HINDUISM-KNOW MORE


    mmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm
    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM

    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM


    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM

    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM

    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM


    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
    MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
    STILL WHAT WE KNOW IS VERY LITTLE.
    MUCH MORE TO KNOW.
    BE PROUD TO BE BORN AS HINDU.
    MMMMMMMMMMMMMMMMM


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    Friday, January 2, 2026

    Artificial Jewellery ...



    • Bangles
    • Available in various materials like acrylic, metal, and glass.
    • Perfect for traditional and modern outfits.
    • Rs. 200 - Rs. 1500
    • Necklaces
    • Comes in different designs, including choker, pendant,.....
    • Source: Justdial.com – Read more at: https://www.justdial.com/jdmart/buying-guide/Imitation-Jewellery-bg-jdm-1058386-ent-2-32822732
    • https://www.justdial.com/jdmart/buying-guide/Imitation-Jewellery-bg-jdm-1058386-ent-2-32822732
    • mmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm
    • Necklaces
    • Comes in different designs, including choker, pendant, and statement pieces.
    • Can be paired with both casual and formal attire.
    • nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn
    • Earrings
    • Varieties include studs, hoops, and danglers.
    • Enhances the overall look and can be worn daily.
    • bbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbb
    • Rings
    • Available in various styles including cocktail and stacking rings.
    • Great for both casual and formal occasions.
    • mmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm
    • Anklets
    • Stylish and trendy, suitable for ethnic wear.
    • Can be worn alone or stacked for a boho look.
    • mmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm
    • Low Range: Rs. 100 to Rs. 500 - This range includes simple earrings, bangles, and necklaces made from beads or basic metal alloys.
    • Medium Range: Rs. 500 to Rs. 2000 - This includes more intricate desi.....
    • Source: Justdial.com – Read more at:
    • https://www.justdial.com/jdmart/buying-guide/Imitation-Jewellery-bg-jdm-1058386-ent-2-32822732
    • mmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm
    • High Range: Rs. 2000 and above - This category features high-quality imitation pieces that replicate fine jewellery, such as gold-plated sets or designer-inspired collections.
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    • Basic Materials: Commonly found in low-range items, including plastic, acrylic, or basic metal.
    • Medium-Quality Materials: Often made from brass or alloy with gold plating, frequently used in medium-ra.....
    • Source: Justdial.com – Read more at:
    •  https://www.justdial.com/jdmart/buying-guide/Imitation-Jewellery-bg-jdm-1058386-ent-2-32822732
    • bbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbb
    • Material Quality: Look for high-quality metals like brass or copper, which provide durability and a premium feel.
    • Finish: A good polish and coating, such as gold or silver plating, can enhance the app.....
    • Source: Justdial.com – Read more at: 
    • https://www.justdial.com/jdmart/buying-guide/Imitation-Jewellery-bg-jdm-1058386-ent-2-32822732
    • Stone Setting: Ensure that stones are securely set, with attention to detail in the craftsmanship to avoid any loose pieces.
    • Design Complexity: Intricate designs often indicate better craftsmanship an.....
    • Source: Justdial.com – Read more at: 
    • https://www.justdial.com/jdmart/buying-guide/Imitation-Jewellery-bg-jdm-1058386-ent-2-32822732
    • nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn
    • Weight: A heavier piece usually suggests better quality materials, while lightweight items may feel cheap and flimsy.
    • Brand Reputation: Choose established brands known for their quality to ensure a re.....
    • Source: Justdial.com – Read more at:
    •  https://www.justdial.com/jdmart/buying-guide/Imitation-Jewellery-bg-jdm-1058386-ent-2-32822732
    • Brand Reputation: Choose established brands known for their quality to ensure a reliable purchase.
    • Price Point: Imitation jewellery typically ranges from Rs. 200 to Rs. 5000, depending on the material.....
    • Source: Justdial.com – Read more at: 
    • https://www.justdial.com/jdmart/buying-guide/Imitation-Jewellery-bg-jdm-1058386-ent-2-32822732
    • mmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm


    • nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn

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    ATTAR

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