Friday, August 26, 2011

Hurricane Irene latest updates

Tuesday, August 23, 2011

Demat Account

Demat refers to a dematerialised account. Demat account is just like a bank account where actual money is replaced by shares. Just as a bank account is required if we want to save money or make cheque payments, we need to open a demat account in order to buy or sell shares. A Demat Account holds portfolio of shares in electronic form and obviates the need to hold shares in physical form. The account offers a secure and convenient way to keep track of shares and investments without the hassle of handling physical documents that get mutilated or lost in transit. The Securities and Exchange Board of India (SEBI) mandates a demat account for share trading involving more than 500 shares.

Benefits of Demat Account
  • Eliminates risks associated with physical certificates such as bad delivery, fake securities, delays, forgery, counterfeiting, thefts and loss due to fire.
  • Reduces brokerage charges
  • Pledging/Hypothecation of shares is easier
  • Enables quick ownership of securities on settlement thereby resulting in increased liquidity
  • Reduction in paperwork involved in transfer of securities
  • Demat account obviates the need to pay stamp duty (in case of physical shares, 0.5 per cent stamp duty is payable).
  • There is no odd lot problem. Even one share can be bought or sold.
Documents Required for Opening a Demat Account
You can open a demat account with a bank or a depository participant (DP). Banks usually give preference to those customers who have a savings or current account with the bank. Along with the application form, following documents are required:
  • A cancelled MICR cheque
  • Identity proof
  • Address proof
  • Copy of PAN card (mandatory)
  • Photograph of the applicant.
Procedure for Dematerialisation
For dematerialization of physical share certificate(s) you have to first fill the demat request form (DRF). The form can be obtained from the DP with whom your demat account is opened. Deface the share certificate(s) by writing across Surrendered for dematerialisation. Submit the DRF & share certificate(s) to DP. DP would forward them to the issuer. After dematerialisation, your depository account would be credited with the dematerialised securities.

Recurring Bank Deposits

Under a Recurring Deposit account (RD account), a specific amount is invested in bank on monthly basis for a fixed rate of return. The deposit has a fixed tenure, at the end of which the principal sum as well as the interest earned during that period is returned to the investor. Recurring Bank Account provides the element of compulsion to save at high rates of interest applicable to Term Deposits along with liquidity to access those savings any time. Since a recurring deposit offers a fixed rate of return, it does not provide protection against inflation.

There is great flexibility in period of deposit with maturity ranging from 6 months to 120 months. The minimum monthly deposit varies from bank to bank. In most of the public sector banks, one can start a Recurring Deposit Account with a monthly installment of Rs. 100/- only. There is no upper limit on investing. The rate of interest varies between 7 and 11 percent depending on the maturity period. Loan/overdraft facility is also available against Recurring Bank Deposits.

The deposit for RD account is paid in monthly installments and each subsequent monthly installment has to be made before the end of the calendar month and is equal to the first deposit. In case of default in payment, penalty is levied for delayed deposit at the rate of Rs. 1.50/- for every Rs. 100/- per month for deposits up to 5 years and Rs. 2/- per Rs. 100/- in case of longer maturities.

In case of Recurring Deposit being closed before completing the original term of the deposit, interest will be paid at the rate applicable on the date of deposit, for the period for which the deposit has remained with the Bank. Premature withdrawal is also permissible but penalty is levied. TDS is not applicable on Recurring Deposits.

How to open a RD Account
A Recurring Bank Deposit account can be opened at any bank that offers this facility. However, some banks insist that you open a savings bank account with them to operate a Recurring Deposit account.

Senior Citizen Saving Scheme 2004

The Senior Citizen Saving Scheme 2004 had been introduced by the Government of India for the benefit of senior citizens who have crossed the age of 60 years. However, under some circumstances the people above 55 years of age are also eligible to enjoy the benefits of this scheme. These prerequisites include voluntary retirement of the beneficiary before making the investment, a maximum time limit of three months to make the investment after the retirement and a certificate from the employer stating the details about the employment and retirement of the beneficiary. The scheme is not allowed for Non Resident Indians (NRIs) and Hindu Undivided Families.

The investment under the Senior Citizens Savings Scheme can be made in any Post Office, although the beneficiary has to open an account for making the investment. Also, one account can hold only one deposit from a beneficiary, which indicates multiple accounts are mandatory to be opened for making multiple deposits under the scheme. The deposits can be made only in the multiples of Rs. 1,000 and the maximum limit for a deposit has been restricted to Rs. 15,00,000. One important condition is that if a person opens multiple accounts for making more than one deposits, the total amount of all the deposits should not cross the maximum limit of Rs. 15,00,000. Also, a beneficiary can't open two or more accounts in a single Post Office during the same month.

Interest and Nomination 
The Senior Citizen Saving Scheme 2004 offers an interest rate of 9 percent per annum, which will be payable on a quarterly basis on the 31st of March, 30th of June, 30th of September and 31st of December of every year. The interest earned upon the savings is fully taxable, and the tax is deducted at the source itself. The scheme offers nomination facility so that in case of death of the beneficiary, the funds might be paid to the nominee of the beneficiary.

Maturity and Withdrawals 
The tenure of Senior Citizen Saving Scheme 2004 is 5 years, which can be further extended for a period of 3 years by making an application to that effect. After a period of 1 year, the beneficiary can withdraw his or her amount with some conditions, but a penalty between 1% and 1.5% of the deposit is deducted before the withdrawal is made.

Saturday, August 20, 2011

Money Management Tips

How To Manage Money
Prioritize Your NeedsPrioritize your expenditure. Spend money only on items that are an absolute necessity for you. Trim expenses that are not essential. For example, you can opt for reading the newspaper online so that you can save those extra bucks. Become a member of your local library and borrow books instead of buying a new one. You may also ask your friends or family to lend you books that are not required by them in the near future. Make a list of all your needs and then see which of them are not essential for your living. This way you can save a good deal of money. With certain adjustments in your lifestyle you can definitely save a few bucks.
Smart ShoppingSmart shopping helps save money. Look for stores offering discount coupons so that you can save money on your next purchase. Many stores offer a rebate if you buy groceries in bulk. If you are fascinated by brands, why don’t you try generic brands? This will help you to save a lot of money as well. Buying food items that are on sale and checking out thrift stores and garage sales for good deals is also a great idea.
Say “No” To Junk FoodIf you eat out often, start cooking your own meal at home. It might sound clich├ęd, but never miss eating your breakfast daily. Not only will it help you to stay fit and healthy, but you can stay away from your mid-morning snack attacks that will save you a couple of bucks as well. Now, isn’t that a smart tip?
Limit Your Monthly ExpenditureLimit your monthly expenditure at the beginning of the month. Make a list of utility bills, groceries, mortgage, etc and make a note of how much money you need to spend on each of them. Make a budget and try to restrict yourself within that limit.
Avoid Credit CardsTo abstain from such a shopping spree, avoid using credit cards. Leave your credit cards at home to restrict yourself from unnecessary spending.
Drive SmartUse public transport as much as possible. Take a bus or train to your workplace instead of using your car or bike. If public transport is not available, opt for carpooling with other commuters instead of driving to office. Walk down or cycle to go to the next block. This will drastically bring down your fuel bills.
Open A Savings AccountAnother good idea to save money is to open a savings account with a bank. Make it a habit to deposit a fixed amount every month. In this way you will save a neat sum of money.
The Little Things That Make All The DifferenceDo you forget to switch your fan and lights off before you march to work, leaving the fan to rotate aimlessly and the bulb to illuminate an ant’s lost path? The production of these wasted kilowatts not only contributes to power shortages and global warming but inflates your electricity bills. Train yourself to tap every button on your switchboard towards the “off” position before you exit your residence. This applies to the socket of your cell phone or laptop charger as well.
Appreciate A Coin’s WorthAs people shed thousands and thousands on expensive cars and clothes, it’s time you take a deep breath and contemplate the worth of a coin, the lowest denomination. Go back to your younger days, buy a piggy bank and drop in the change you acquire after grocery shopping. Break it open after a few months and be amazed with the full amount! A coin that you would cast aside without thinking twice is the base of your money tower. Never underestimate the worth of 50 cents. Dig into the pockets of your jeans and discover another 50 cent. Voila! You have a whole dollar now. Go buy a cookie and a soda pop!
Invest In The Best!While others invest in game shows and lotteries that hold a zillion in one chance of winning, be the wise one as you invest your money with a given return and then reinvest your earnings as you receive them. Do not be too hasty and rush into an investment proposition that appears lucrative on the surface. Follow your instincts but think rationally at the same time. Remember that you have to assume a fair amount of risk in order to earn high rewards.
Let The Computer Take ChargeComputer programs and sophisticated technology greatly aids one’s endeavours in managing money properly. They provide you with unmatched information and guidance in organizing money matters. From balancing check books to paying taxes, computers can be a lifesaver and deter you away from making regrettable mistakes.
Save, Or Else Start Digging Your Own GraveKeep an eye on where your income goes. Try building a good credit reputation by controlling bad spending habits and clearing all debts beforehand. Never go overboard with debts and don’t be enticed by every product in the market. Save to lead a beautiful life in the future. Moreover, it is crucial to save cash for unexpected events and emergencies. Sometimes we fall ill and need to pay off fat medical bills. Maintaining fixed deposits is the best solution to dealing with unexpected circumstances.
Track Your Income And SpendingAdd the number of cheque stubs you have for a quarter year and divide by 13, the number of weeks in a quarter. This gives you a wider view of your earning power. Once you get this, perhaps you could find out where your money goes. Make your first purchase a small notebook and pen you can carry in purse or pocket. Record it all and make suitable alterations. Pay bills on time to avoid late fees or look around for and switch to credit cards with lower rates.

How to Earn Money From Your Website

Text Advertisements 
Text advertisements are one of the most common ways of making money with a website. Text advertisements are nothing but ‘short text ads’ that get automatically displayed on a page of a website. The distribution of the ad on the website will be based on the context of its content.
Video Advertisements 
Video advertisements are improvised versions of text advertisements. You more often than not would have come across them in quite a number of websites. Video advertisements are incorporated into websites in the form of ‘short video ads’. These advertisements come in two options. They either are auto-played or will need to be clicked on to be played.
In-Content Advertisements 
Almost every website has content and in-content advertisements are ads that are linked to ‘keywords’ that exist within the content. In-content ads are a great way of increasing traffic to your website.
Jobs Board And Paid Reviews 
‘Jobs board’ refers to the act of embedding paid job listings on pages of your website. Paid reviews, on the other hand, refers to the process of a company charging another company or individuals for books, services or products reviewed.
For this, you may need to possess great negotiation skills. The idea of sponsorship can be put together when you charge for the whole or part of the sponsorship of your website. Standard operating procedures dictate that fixed price agreements between sponsors and websites should last for a fixed period of time.  
Listing Of Directories 
This one’s pretty simple. You can begin by creating a directory on your website and then go ahead to charge suppliers who are looking to be listed on your site. Alternatively, you can list all of the suppliers and simply charge for an enhanced listing.
The term subscription is just another name for a ‘great way of making money. If you are not aware of it, it might surprise you to know that a large number of websites make most of their money via subscriptions. People or users of services can be asked to subscribe to podcasts, archive materials, online courses and maybe even key content. To ensure that you do well with the subscriptions, you will have to make it a point to offer niche services as opposed to offering run-of-the-mill services or products.
Sales, Sales And More Sales 
With the boom in e-commerce, you can bring in the bucks by making your website a souk of sorts. Think on the lines of global e-business giants and get going. You can sell a host of things with the assistance of your website. From e-books and software to audio and video files, you can sell almost anything. In any case, it’s not what you sell that matters; it’s all about making sure that what you are selling actually does sell. For the success of whatever it is you plan on selling, focus on making the whole process of buying and selling friendly to all parties involved. You might also want to be a little aggressive and innovative with your marketing efforts.

Must Read Classic Books

Don Quixote (Miguel de Cervantes)
Don Quixote is one of the greatest fictions ever published. This novel by a Spanish author Miguel de Cervantes is a story of a Moorish chronicler which was published in two editions. The first edition was published in 1605 and the second one in 1615. The novel reveals the ironic side of orthodoxy, truth, veracity and nationalism.
Gulliver’s Travels (Jonathan Swift)
This particular novel brings forth totally fascinating and extremely imaginary and exotic expeditions of Gulliver. The book was written by Jonathan Swift and was published in 1726. Gulliver was introduced as a surgeon in the first few editions after which his role was changed to that of a captain for various ships. An amended version of the book was published later in 1735. 
Vanity Fair (William Makepeace Thackeray)
This literary work by Makepeace Thackeray is a sarcastic masterpiece on the pretentious and hypocritical upper classes in the British society. It is a story of the protagonist Becky Sharp who uses her bewitching charm along with manipulative thoughts and deceit to attract rich men in the society and extract as much wealth as possible to climb up the superficial class ladder existing in the society.
Oliver Twist (Charles Dickens)
Oliver Twist is one of the masterpieces coming out of the creative mind of one of the most celebrated and prolific writer’s English literature has ever seen- Charles Dickens. In this classic novel Dickens brings forth the brutal realities of the existing social evils through the innocence of the character Oliver. The book revolves around the personal experiences of Oliver an orphan boy as a child labourer.
Pride And Prejudice (Jane Austen)
This book is an entertaining masterpiece and the most famous book of the author Jane Austin. The book got published first in 1813 and revolves around the life in a civilized rural society. The tale starts with misunderstandings in the society of that time. It is the lively and witty character of Elizabeth Bennet that attracted readers making the book one of the most celebrated classic work of all ages.
Wuthering Heights (Emily Bronte)
This classic masterpiece by Emily Bronte gives you a similar picture of that of any love story. It is a tale of love, passion and tragedy which gave to the literary world the powerful protagonist figure of Heathcliff who is a passionate lover in the beginning, but turns out to be an angry man wanting for revenge as the novel progresses. 
The Confessions (St. Augustine)
This autobiographical work by Saint Augustine is one of the best and most popular in the genre of autobiographies. The book was written in AD 397 and AD 398. The book is about the sinful youth times of Saint Augustine before he got converted to Christianity.

All Time Bestseller Books

  • 1984 by George Orwell
  • To Kill a Mockingbird by Harper Lee
  • The Catcher in the Rye by J.D. Salinger
  • The Lord of the Rings by J.R.R. Tolkien
  • Pride and Prejudice by Jane Austen
  • The Great Gatsby by F. Scott Fitzgerald
  • Crime and Punishment by Fyodor Dostoevsky
  • Catch-22 by Joseph Heller
  • Lolita by Vladimir Nabokov
  • The Brothers Karamazov by Fyodor Dostoevsky
  • On the Origin of Species by Charles Darwin
  • The Republic by Plato
  • Walden by Henry David Thereau
  • The Wealth of Nations by Adam Smith
  • The Diary of a Young Girl by Anne Frank
  • The Prince by Niccolo Machiavelli
  • A People's History of the United States by Howard Zinn
  • The Principia by Sir Isaac Newton
  • Mere Christianity by C.S. Lewis
  • 1776 by David McCullough
Best Autobiographies/Biographies
  • The Autobiography of Malcolm X: As Told to Alex Haley by Alex Haley
  • Black Boy (The Restored Text Established by The Library of America) (Perennial Classics) by Richard Wright
  • The Heart of a Woman by Maya Angelou
  • Assata: An Autobiography (Lawrence Hill & Co.) by Assata Shakur
  • Bone Black: Memories of Girlhood by Bell Hooks
  • Long Walk to Freedom: The Autobiography of Nelson Mandela by Nelson Mandela
  • Indian Pilgrim: an unfinished autobiography by Subhas Chandra Bose
  • The Bell Jar: A Novel (Perennial Classics) by Sylvia Plath
  • The Bolivian Diary of Ernesto Che Guevara by Ernesto Guevara
  • The Ice Opinion: Who Gives a Fuck? by (Musician) Ice-T
Fantasy Novels
  • The Lord of the Rings by J. R. R. Tolkien
  • Harry Potter (series) by J. K. Rowling
  • The Wheel of Time (series) by Robert Jordan
  • The Lion, the Witch & the Wardrobe by C.S. Lewis
  • The Hobbit by J. R. R. Tolkien
  • A Song of Ice and Fire (series) by George R. R. Martin
  • The Golden Compass by Philip Pullman
  • Wizard’s First Rule by Terry Goodkind
  • Magician by Raymond E. Feist
  • The Belgariad (series) by David Eddings
Children Books
Picture Books
  • Alfie (series), by Shirley Hughes
  • Arthur (series), by Marc Brown
  • Babar (series), by Jean De Brunhoff
  • Bread and Jam for Frances, by Russell Hoban, illustrated by Lillian Hoban
  • A Chair for My Mother, by Vera Williams
  • Chicka Chicka Boom Boom, by Bill Martin Jr., illustrated by Lois Ehlert
  • Chrysanthemum, by Kevin Henkes
  • Doctor DeSoto, by William Steig
  • Dog Heaven, by Cynthia Rylant
  • Frog and Toad (series), by Arnold Lobel
Chapter Books
  • Alice’s Adventures in Wonderland, by Lewis Carroll, illustrated by Sir John Tenniel
  • Anastasia Krupnik, by Lois Lowry
  • Anne of Green Gables, by L.M. Montgomery
  • Are You There God? It’s Me, Margaret, by Judy Blume
  • Because of Winn-Dixie, by Kate DiCamillo
  • The Borrowers (series), by Mary Norton
  • Bridge to Terabithia, by Katherine Patterson
  • Charlotte’s Web, by E.B. White
  • The Devil’s Arithmetic, by Jane Yolen
  • Fallen Angels, by Walter Dean Myers

Best Books For Children

Alice In Wonderland – Lewis CarrollThis book really makes for a great read and surprisingly so for both children and adults. The author, it is said, invented the characters in the book for the sake of his friend’s daughter, but before he knew it, he had with him what it would take to churn out ONE of the best stories known to kids and adults alike. If your kid is looking to wander into wonder land with characters like the ‘White Rabbit’ and the ‘Mad Hatters’, ‘Alice In Wonderland’ is a must read.
Listen To The Wind – Greg Mortenson ‘Listen to the wind’ is one of the greatest ways of introducing a kid to the magnificent Himalayas. This book comprises a great description of the adventures of the author. Step by step it builds into details on how he got lost in the mountains after a failed attempt to scale the mighty K2. This book is blessed with a lot of positivity owing to the fact that it throws light on how a single person can help install positive change in the lives of thousands of people.
Peter Pan – J.M. Barrie If a kid fails to read this masterpiece by J.M. Barrie, the particular kid is really missing out on something. The book revolves around the adventures of Peter Pan, the leader of the ‘The Lost Boys’ in the mystical land of Neverland. How Peter faces and triumphs over his nemesis Captain Hook makes for the essence of this book. Make it a point to get your kid’s hands on it!
The Harry Potter Series – J.K. RowlingCome on now, can there even be any list of tops books for children without ‘The Harry Potter Series’ being a part of it? When the first book of the series hit the stands, not a soul could have predicted that the book and its successors would go on to become the global sensations that they are now. If the kid in question is an avid reader, or even if you are looking to make the kid in question addicted to the printed word, the Harry Potter series is the way to go. To describe the series in just three words – A page turner! Now you know why there exists so much fuss over the books and maybe even the movies inspired by the books.
Charlie And The Chocolate Factory – Roald DahlYour kid may have seen the movie, but has he read the book, most probably not. ‘Charlie and the Chocolate Factory’ tells the reader about Willy Wonka, an over-the-top owner of a chocolate factory. The story also revolves around Charlie Bucket, the boy who along with other children wins a competition and gets an opportunity to tour the chocolate factory. Reading this book makes for a sweet adventure of sorts. So, don’t let this one go, just like you shouldn’t be letting go of any of the books on this list!  

Classic Books For Kids
Alice In WonderlandWritten by English author Lewis Carroll, Alice in Wonderland is an interesting book for children to read. The book tells the story of a little girl, Alice, and her journey to a different world of fantasy. The story begins with Alice who falls down a rabbit’s burrow and meets strange creatures in wonderland. Children of all ages will love this fantasy story.
The Adventures Of Tom SawyerThe Adventures of Tom Sawyer, written by Mark Twain, is a popular novel about a young boy who lives with his aunt. The story tells some fascinating adventures of Tom Sawyer that every kid is bound to enjoy and cherish for a long time to come.  
Black BeautyBlack Beauty is one of the best-selling books of all time. Anna Sewell, the author of the book, has well depicted the autobiography of a horse. The horse tells the story of his life where he started as a young carefree colt in an Englishman’s farm, to his hardship days pulling cabs in the streets of London. 
Gulliver’s TravelsGulliver’s Travels is another best selling kid’s book written by Jonathan Swift. The book is a narrative of a traveler and his experience in the Land of Lilliput. Gulliver is washed ashore after a shipwreck where he gets captivated by men who are less than 6 inches tall and the story continues.
Twenty Thousand Leagues Under The SeaAs the name suggests, this book is a science fiction novel. The plot of the story goes like this. A mysterious creature is sinking all ships. Finally, the US government sets up a commission to identify the mysterious creature. As the story progresses, it is found that the mysterious creature is actually a submarine and not a sea monster! This fascinating book is another popular best seller of all time.
A Christmas CarolWritten by the famous novelist, Charles Dickens, A Christmas Carol is yet another famous classic book for children. The story begins on a Christmas Eve seven years after the death of Jacob Marly the business partner of Ebenezer Scrooge. Scrooge is a greedy person who has no place for kindness, charity, and compassion in his life. Marley’s ghost warns him to change his attitude but of no use. He is next visited by three other spirits, each taking him through scenes with the hope of transforming him.
Other Popular Classoc Books For Kids
  • Ivanhoe
  • The Jungle Book
  • The Three Musketeers
  • Peter Pan
  • Heidi
  • Kidnapped
  • Adventures of Huckleberry Finn
  • The Merry Adventures of Robin Hood

Popular Personality Development Books

31 Mantras For Personality Development
Abhishek Thakore
It is a well known fact that living in the present moment is the secret to a happy life. But, leading your life based on this whole idea gets a bit difficult because of the practical problems of life. ‘31 Mantras for Personality Development’, will teach you to apply this particular formula in real life by providing you with practical tips and techniques to live each moment of the day to the fullest. By the simple expedient of making you follow one step in a day, the book takes you forward to becoming a better, more successful, happy and satisfied person. Unlike other books on the topic, the tips provided in this book are both practical and practicable, and these steps are capable of transforming a person into a new person in 31 days.
The Top 101 Experts That Help Us Improve Our Lives
David Riklan
This book is a life-changing, powerful and inspiring collection of the lives of great personalities. Each chapter in the book exposes you to a life story of a new person, revealing the secrets of how these gurus travelled through their path to success. This book also introduces you to the core belief of success of these gurus and their definition of success. The book also suggests and recommends some great ways to start on quickly and will guide you to relate to the program/s most suited to your needs. The ‘Top 101 Experts’ will help you set your goals, find your purpose in life, improve your relationships, improve your skills and lead a happy life.
Personality Development; Transform Yourself
Rajiv K. Mishra
This book by Rajiv K. Mishra is a book of techniques to know, improve and develop the most important attribute of a person: his/her personality. The book has been written in simple and clear language, for people to relate to it easily. The book provides time-tested, simple to follow techniques and guidelines that will help you develop into a confident and successful personality.
The Power Of Charisma
Race Kale
This book teaches you to mold yourself into a powerful, pleasing and charismatic personality. The book also provides a report on the success story of the most popular personalities who grew from scratch into dynamic people. By resorting to this book, you can also learn the secrets of personal power often shown by politicians, media personalities and movie stars. This book is a remarkable and inspirational report on the power of charisma.
Personality Plus
Florence Littauer
Florence Littauer, in this book, provides you an insight for appreciating your own personality. She gives a personality profile test in her book that reveals how your unique blend of traits affects your emotions, work performance and relationships. Personality plus, with the help of straight forward explanations and a few humorous accounts, guides you to improve your strengths and correct your weaknesses. This book also provides keys for you to understand the people you come in contact with better. It is a book that makes it easier for you to accept the different traits that make everyone different and unique. This book is a tool that will help you change your life and the one who you care about, for the good.
Personality Development
S. K. P. Selvam
This book on personality development by S.K.P. Selvam brings forth a very important aspect, i.e. ‘motivation’. The book is based on the simple idea that success in any field, whether it be work, education, art or science, depends mainly on a person’s motivation to excel in the particular field. The book covers a wide range of issues like the psychological basis of motivation, types of motivation, inhibitory factors and ways to stimulate motivation.
You'll See It When You Believe It
Dr. Wayne W. Dyer
Through this bestselling book, Dr. Dyer has put forward the importance and power of the human mind and the various thought processes that get generated. Our thoughts carry us to places that have no boundaries and no limitations. In the book, Dr. Dyer emphasizes on the importance of self-realization beyond self-help. This book will take you on a journey to activate your mind and to put forward the ways in which we can transform our lives using our thoughts in a constructive way. Success depends on the thought, the focus on the thought and the belief to live the thought in reality. This book is an inspirational work, which, using witty language, examples and a humorous tone, forces an individual to think and visualize and explore the path to personal transformation.
The Little Book Of Personal Development
Tony Nutley
‘The Little Book…’ is a great, concise and helpful book with practical ideas to keep you inspired and get going. It is a motivational piece of work written in lucid language, which makes a reader want to get back to the pages to find out the answers. This book provides you the boost you need at times of depression and despondency. The book is a perfect work to motivate and instill confidence in those who stop believing in themselves.
How To Develop Self-Confidence And Influence People
Dale Carnegie
The book, as the name suggests, is a confidence pill that will make you forget all the apprehensions and fears and move forward in life with belief in oneself. Dale Carnegie has put together his years of experience as a business trainer in this book and has tried to focus on communication skills as an important aspect of a good personality. This book will make you a confident and fearless speaker.
Human Development
Grace J. Craig And Don Baucum
This book takes a chronological approach to human development by combining together many disciplines and providing an up-to-date presentation of key questions, topics and controversies related to life. The book focuses on complex and changing cultures and attributes these cultural changes to personal and personality development. It focuses on the growth and development of personality in infancy, toddlerhood, early and middle childhood, adolescence and all other stages of human life.
Feel The Fear And Do It Anyway
Susan Jeffers
This book offers readers help to unclean their misconceptions about fear and replace them with attitudes of strength and conviction. The book emphasizes positive thinking and eradication of fears that cause hindrances to the personal development of a person.

Friday, August 5, 2011

Customer Care Numbers

  • ICICI Bank Customer Care Number
    • Bangalore – 4113 1877
    • Karnataka – 98455 78000
    • For other cities, click here. Phone Banking workflow click here.
  • Citibank Customer Care Number
    • All Citibank customers – Bangalore – 2227 2484. For other cities, click here
    • Citibank Suvidha account holders – Bangalore – 2227 2265. For other cities,click here
    • CitiBusiness Customers – Bangalore – 2229 4653. For other cities, click here
    • Citibank Credit Card – Bangalore – 2227 2484. For other cities, click here
    • Priority service to CitiGold Customers, Diners Club Members & Citibank Gold Card members – Bangalore – 2229- 4653. For other cities, click here
  • HSBC Customer Care Number
    • Banking related – Bangalore – 2558 9595
    • Credit card related – Bangalore – 2558 9696
    • For other cities, click here
  • HDFC Customer Care Number
    • Debit card related – 9945863333
    • Banking related – Bangalore – 6600 3333. For other cities, click here
    • Credit card related – Bangalore – 6622 4332. For other cities, click here
  • ABN AMRO Customer Care number
    • Bangalore – 4124 5555
  • SBI Credit Card Customer Care Number
    • All India Toll Free – 1600 180 1290 (works only on BSNL and MTNL Line)
    • Try : 1800 180 1290 too. May work!!!
    • Other lines : 39 02 02 02
  • Axis Bank Customer Care number (earlier known as UTI Bank)
    • Bangalore (M G Road) – 2537 0615
    • Bangalore – 2531 7830
    • Mumbai – 022 5598 7700
    • For other cities, click here
  • IDBI Bank Customer Care Number (Phone Banking)
    • Karnataka – Bangalore – 080 22297000
    • Mumbai – 022 66937000
    • Delhi – 011 23627000
    • Chennai – 044 28295550
    • For other cities, click here
  • Manhattan Credit Card Customer Care Number
    • Bangalore – 3030 1969. (this number seems to work in Mumbai too! Give it a try in your local city!)
  • Standard Chartered Credit Card Customer Care Number
    • Bangalore – 3940 4444 & 66014444 (updated). For other cities, click here
  • Deutsche Bank Customer Care Number
    • 6601 6601 (this number is available in Aurangabad, Bangalore, Chennai, Delhi, Kolhapur, Kolkata and Mumbai. If dialing from Gurgaon / Noida please prefix 9511 before dialing.)
  • Airtel Customer Care
    • Dail 121 from your airtel mobile
    • Karnataka – 98450 98450 – For prepaid if you are calling from landline
    • Karnataka – 98450 12345 – For postpaid if you are calling from landline
  • Hutch Customer Care
    • Karnataka – Dial 111 from your Hutch phone or dial 98860 98860
  • BSNL Mobile Customer Care (Cellone & Excel)
    • All India  – 94000 24365
  • Reliance Mobile Customer Care
    • 1 800 3000 7773 – Toll Free
    • Call 3033 3333 Or dial *333 from your Reliance Mobile
    • For other numbers, click here.
  • Reliance Broadband Customer Care
    • 1 800 3000 7773 – Toll Free
    • Call 022 – 3033 7777 Or dial *377 on your Reliance phone
  • SpiceJet Customer Care
    • From BSNL/MTNL : 1800 180 3333
    • Others (GSM/CDMA): +91 98718 03333
  • LIC Policy Details (Life Insurance Corporation)
    • Call – 1251 or
    • New Delhi – 011-23762681
    • Chandigarh – 0172-2678107
    • Indore – 0731-2528213
    • Jaipur – 0141-2741299
    • Kolkata – 033-23346688
    • Guwahati – 0361-2600564
    • Hyderabad – 040-23437997
    • Bangalore – 080-26659230
    • Mumbai – 022-26137545
    • Pune – 020-25514248
    • Ahmedabad -079-25502150
    • Chennai – 044-25300030
    • Jamshedpur – 0657-2320600
    • Ernakulam – 0484-2383883
    • Lucknow – 0522-2627470
    • Vijaywada – 0866-2484803
    • Vizag – 0891-2523473
    • Kanpur – 0512-2307443
    • Agra – 0562-2527755
    • Jalandhar – 0181-2480918
  • Yahoo! India Customer Care
    • I am not sure if these numbers work, but give it a try & leave a comment!
    • Bangalore : (080) 39805078
    • Chennai : (044) 39119494
    • Yahoo! US “Customer Service”: 1-866-562-7219 (for
    • Yahoo! Small Business/Store: 1-866-800-8092
    • Other US Yahoo! numbers to try
      • +1 866-850-4303
      • +1 866-562-7228
      • +1 408-349-1572
      • +1 408-349-3300
      • +1 408-329-5151
      • +1 800-318-0631
  • If you feel some service is missing and would be useful to list, drop a comment.
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HDFC Bank Customer Care Number, HDFC Bank Customer Service Phone Number, HDFC Bank Call Center Toll Free Contact Number

HDFC Bank Customer Care Number Delhi & NCR

(011) 4151 4332

HDFC Bank Customer Care Number Chandigarh
(0172) 469 3333

HDFC Bank Customer Care Number Punjab
98153 31111

HDFC Bank Customer Care Number Haryana
99962 43333

HDFC Bank Customer Care Number Jaipur
(0141) 500 3333

HDFC Bank Customer Care Number Rajasthan
98750 03333

HDFC Bank Customer Care Number Indore
(0731) 407 4332

HDFC Bank Customer Care Number Madhya Pradesh / Chhattisgarh
98936 03333

HDFC Bank Customer Care Number Lucknow
(0522) 400 3333

HDFC Bank Customer Care Number Uttar Pradesh / Uttarakhand
99359 03333

HDFC Bank Customer Care Number Jammu & Kashmir / Himachal Pradesh
(Toll-free from BSNL landline)
1800 180 4333

HDFC Bank Customer Care Number Kolkata
(033) 2210 3838

HDFC Bank Customer Care Number West Bengal / Sikkim
98310 73333

HDFC Bank Customer Care Number Assam
99571 93333

HDFC Bank Customer Care Number Orissa
99379 03333

HDFC Bank Customer Care Number Patna / Bihar / Jharkhand
(0612) 250 3333

HDFC Bank Customer Care Number Meghalaya / Tripura / Nagaland / Mizoram
(Toll-free from BSNL landline)
1800 345 3333

HDFC Bank Customer Care Number Mumbai
(022) 2856 1818

HDFC Bank Customer Care Number Pune
(020) 6609 3333

HDFC Bank Customer Care Number Maharashtra (except Mumbai) / Goa
98906 03333

HDFC Bank Customer Care Number Ahmedabad
(079) 6662 3333

HDFC Bank Customer Care Number Gujarat
98982 71111

HDFC Bank Customer Care Number Chennai
(044) 6600 3333

HDFC Bank Customer Care Number Tamil Nadu / Pondicherry
98406 73333

HDFC Bank Customer Care Number Bangalore
(080) 6600 3333

HDFC Bank Customer Care Number Karnataka
99458 63333

HDFC Bank Customer Care Number Hyderabad
(040) 6600 3333

HDFC Bank Customer Care Number Andhra Pradesh
99494 93333

HDFC Bank Customer Care Number Cochin
(0484) 408 3333

HDFC Bank Customer Care Number Kerala
98956 63333


Mail your letters at:

HDFC Bank House
Senapati Bapat Marg
Lower Parel, Mumbai 400 013.

For Credit Cards mail at:

Manager, HDFC Bank Cards Division,
PO BOX # 8654
Thiruvanmiyur PO
Chennai - 600 041.