Facebook cant survive for too long, can it?

Facebook has evolved a fair bit
It initially started off as a photo sharing/commenting tool started by Zuckerberg (another Harvad Univ grad). Story goes he was dumped by some girl & created this coz he wanted to get her off his mind. It became like an online student directory for Harvard with photos etc. It gradually spread and went on to add more colleges , schools and then went on to become the soc networking tool that it is today.
In India, orkut had a headstart-it largely helped people get in touch with long lost friends, school mates etc. But as orkut stagnated, facebook became all of this plus an exciting front-end allowing various things like status updates & several custom apps. The viral nature of social netowrking caught on much more with facebook and it kept adding users. Today, I guess college kids types use it for the apps etc whilst the older bunch use it to keep others informed on what they r upto (a bit of a show-off site from time to time !!"Awesome view frm the top of the Himalayas types!":))
What next? I get the feeling that they are looking to:
1. Charge for membership and/or
2. Create a forum where transactions happen on facebook (friends getting togethter and doing stuff etc etc)
Am not sure either of the above will ever become very huge or popular. Creating a network and then milking it for transactions seems intiutive. The issue is that most people in this kind of a network are in the 3rd or 4th degree!! Your 1st or 2nd degree network are the ones with whom you will make plans, transactions etc and for that you wont need facebook.com.
My take is:
1. It will remain an average networking site
2. People will get fed up of putting up global, glowing status updates & pics and move on or reduce their usage
3. Transactions etc will not really take off
4. The site will stagnate by 2015
Lets see...Could be proven wrong but unlikely !:)

Kam aur galat Insurance lene ki bimaari !

I aint no expert on personal investing. But I have always been amazed at the manner in which insurance policies are sold (& more importantly, bought!!) in India.
Quick step back to basics- Objective of insurance is to provide dependants with savings in the event of any untoward happening. THAT's IT.
This is achieved by the classic Term insurance policy- In such a policy, you pay a premium which covers you for anything untoward. If nothing like that happens, you dont get money back.
Then, there is the range of policies from endowment to money back to spurious unit-linked stuff in which you get various sums of money back in case the untoward event doesnt hapen.

Let me look at some premiums for these various kind of policies.
Assumptions: Age: 30
Sum insured: 1 cr
Tenor: 15 years
Premiums p.a.
Term - 30k
Endowment - 6.5 lac
Money Back- 10 lac
Unit Linked- Something devilish like 20 lac
I hope the numbers speak for themselves. In the effort of getting money back, you end up paying disproportionately large sums of money for the same sum insured.
Net-net, you end up under-insuring substantially. For a premium like 6.5 lac you could get much much much more sum insured cover in a term policy . This is a big worry in case something untoward happens (which is why you buy insurance). To achieve investment gains, there are many other products from equities to MFs to real estate to what not- get investing gains from those, not from insurance.
Of course, the agent will sell the costlier ones since his / her commission is linked to the premiums. Please do not wrongly under-insure. If insurance, then go for the simple term insurance.