Spectrum, December 2010 Page 1 From the Editor’s Desk Dear Members We are glad to present the December2010 edition ofthe CGI India Newsletter. Please send your contributions, suggestions and feedback atIndia Newsletters([email protected]) We endeavor to bring you a quality newsletter that informs and entertains. To that effect, we invite you to showcase your talents over and above the realm ofsoftware engineering. So, here's calling out to all the writers, poets, photographers, artists, to send your entries. Sincere thanks to all the members for sharing their feedback and contributions. P.V.Venkataram On behalf ofTeam SpectrumBanking and Finance Corner Snippets Are Gold Loans safe Optimizing the usage of Credit Cards Pension Vs PPF Sports Lounge India & 2011 Asia Cup Football Health Tip Nature Cure Benefits of Tulsi Test Your IQPicturesque Members Corner Members & Team Events New Members Long Service Club Spectrum, the IGDC NewsletterDecember, 2010