I like to tell you that indeed we face several problems when purchasing a new products, commodities whether in terms of Electronics, Houseware, apparels and other stuff. We buy new items to replaced the old items.
Notwithstanding, New items create problems. In Today's Mumbai Mirror a family from Belapur bought an expensive kitchen hob or stove and barely two months after it was installed it got exploded . The new one which was bought to replace the old one gave this problem.
To respite from the old ones we purchased the new products and after wards some technical problem arises, no doubt we do get the benefits of warranty for one year and support from the company. The headache is that no one has a time for the follow up and again there would be a delay from the company side to send their engineers to look in to their products.
I preferably don't change my Mobiles frequently, In spite of spending extravagant amount and to invite headache for the technical problems and moreover one has to read the brouchers to use and handle the products. It is better to use your old one rather going to purchase for the new one. It is been rightly said "OLD IS GOLD".
Getref.com
Prajapita BrahmaKumaris Ishwariya Vishwa Vidyalaya (also called Brahma Kumaris in short)
Monday, 31 October 2011
Tuesday, 27 September 2011
Google Handy Tools
Google, the name which has rocked in the IT market. Googe is providing many services to its prospective clients.
1 ) Google Adwords : - Google represents our websites links to its directories and in SEO and it advertise our company's websites based on pay per clicks. The customer has to define his package for the pay per click. He has to fixed the target for an amount which he has to pay to the Google, when customer clicks his website links.It's a paid service and it is very minimal in costs.
2 ) Google Websites :- One can develop his own website totally free of costs under Google which is available at Google's home page. But his domain name will have google name in it.
The catch here only it would be that his website would be free and SEO friendly.
3 ) Google ASdsense :- One can make revenue from Google by advertising Google ads in his website. When a vistor in his wesite clicks the link (Google Links), he would generate the income as specified by the owner of Google Adwords. The main disadvantage here is normally you see the advertisement of your competitors which otherwise would not be advisable by any webowners.
4 ) Google Blogs :- One can create their own blog under Googe named as blogger which is available total free of costs at www.blogger.com. Blog is to write the article on a particular subject, as for instance If one is a shareholder he can write everyday in his blog the prices of the scripts, the sentiments of the markets, news of the company etc. His news will only be read as afar as how his blog is popular.
5 ) Google Toolbar :- It is a handy tool for everyone to use. You can install the toolbar in your browserand it is displayed under the browser navigation bar. The toolbar includes search bar, with search suggestions, a provision to add custom buttons and also one can add bookmarks.
6 ) Google Suggest :- This toolbar is there in front of you when you opened google home page. When you type any search words in search box, the drop down box of search box represents the likely search to narrow your searches. As for eg when you type the word Choclates the google suggest words in the drop down menu would be (Assorted Chocolates, Milk Chocolates, Dark Chocolates etc and etc.
Thanks & regards
Sahiwala Software Consultants
www.sahiwala.com
info@sahiwala.com
1 ) Google Adwords : - Google represents our websites links to its directories and in SEO and it advertise our company's websites based on pay per clicks. The customer has to define his package for the pay per click. He has to fixed the target for an amount which he has to pay to the Google, when customer clicks his website links.It's a paid service and it is very minimal in costs.
2 ) Google Websites :- One can develop his own website totally free of costs under Google which is available at Google's home page. But his domain name will have google name in it.
The catch here only it would be that his website would be free and SEO friendly.
3 ) Google ASdsense :- One can make revenue from Google by advertising Google ads in his website. When a vistor in his wesite clicks the link (Google Links), he would generate the income as specified by the owner of Google Adwords. The main disadvantage here is normally you see the advertisement of your competitors which otherwise would not be advisable by any webowners.
4 ) Google Blogs :- One can create their own blog under Googe named as blogger which is available total free of costs at www.blogger.com. Blog is to write the article on a particular subject, as for instance If one is a shareholder he can write everyday in his blog the prices of the scripts, the sentiments of the markets, news of the company etc. His news will only be read as afar as how his blog is popular.
5 ) Google Toolbar :- It is a handy tool for everyone to use. You can install the toolbar in your browserand it is displayed under the browser navigation bar. The toolbar includes search bar, with search suggestions, a provision to add custom buttons and also one can add bookmarks.
6 ) Google Suggest :- This toolbar is there in front of you when you opened google home page. When you type any search words in search box, the drop down box of search box represents the likely search to narrow your searches. As for eg when you type the word Choclates the google suggest words in the drop down menu would be (Assorted Chocolates, Milk Chocolates, Dark Chocolates etc and etc.
Thanks & regards
Sahiwala Software Consultants
www.sahiwala.com
info@sahiwala.com
Friday, 10 September 2010
On Line Etiquette's
Well, This is an interesting topic to discuss. This is indeed more in to professianalism in writing on the net with discipline and etiquette esp in chat rooms. Until and unless if you use a multimedia systems, more emphasis is not placed towards writing. Otherwise our each word and sentence counts since the opposite person cannot see us.
It goes here by,When you first contact someone, say hello with an e-mail. Lots of online dating services have smiles or flirts but you can't beat a personal message. You can mention parts of their profile that have caught your attention, and it shows them that you have actually read their profile.
Everyone is inquisitive when they start conversing with someone online but that doesn't mean you should continually ask questions. Don't give other singles a reason to be put off. You need to just let the questions flow with the conversation. Weave them in naturally. If they bring something up that can lead into a question then ask it. Also give some information about yourself as well then other singles will be more willing to let their guard down a bit.
Become a good listener. Most people like talking about themselves, and this can lead into you asking a few questions that they will be willing to answer. Plus this shows that you're paying attention, and that can only be in your favour.
Never ask questions or make statements that will put your date on the defensive. Subjects like politics and religion should be left alone for quite a while. Leave these topics of conversation till you know someone very well or even wait until you have met them offline.
Last but not the least, first impression is the last impression, so be careful talking or chatting with strangers. be polite, honest, sweet and simple in your approach.
It goes here by,When you first contact someone, say hello with an e-mail. Lots of online dating services have smiles or flirts but you can't beat a personal message. You can mention parts of their profile that have caught your attention, and it shows them that you have actually read their profile.
Everyone is inquisitive when they start conversing with someone online but that doesn't mean you should continually ask questions. Don't give other singles a reason to be put off. You need to just let the questions flow with the conversation. Weave them in naturally. If they bring something up that can lead into a question then ask it. Also give some information about yourself as well then other singles will be more willing to let their guard down a bit.
Become a good listener. Most people like talking about themselves, and this can lead into you asking a few questions that they will be willing to answer. Plus this shows that you're paying attention, and that can only be in your favour.
Never ask questions or make statements that will put your date on the defensive. Subjects like politics and religion should be left alone for quite a while. Leave these topics of conversation till you know someone very well or even wait until you have met them offline.
Last but not the least, first impression is the last impression, so be careful talking or chatting with strangers. be polite, honest, sweet and simple in your approach.
Friday, 16 April 2010
All Izz Well !!!!
Hi Folks ! This mantra you know is about from a movie "THREE IDIOTS", its wanna a good movie and lots of morals attahed to it. First and foremost, it's all about our stereotyped system of our society, These great degrees and diplomas are there only to give grief and sorrows and to commit suicides to the students.
My grandpa used to tell me that what's the use of schooling if you doesn't know how to fix a srew and nut bolt, how to do repairs to electricals, and all other pratical issues which come up in our life. He used to say that we are least bother that which flowers and trees are growing in which countries and all algebratic and geometric formullas that is not really applicable to your daily life.
One has to be pratical and your knowledge pays a dividend when you become useful to others besides earning regular income . Degrees, Awards, Certificates, Medals are counted when you put your knowledge in to practise and more towards human welfare. Remember, there are two types of accounts one has to maintain in their life one is monetory account and another is divine virtues and good deeds.
A doctor has to see its patients in terms of wealth, he should charged heavy from a wealthy patients and the same has to be contributed free of costs to the poor patients. Life is full of joy and guster and in anyways "All is well". Contribute everything to God. whatever will happen in your life , it will happen for good cause only. Problems and Sorrow will not remain forever. The shelther and sunlight are always there in one's life. So, let's be prepare and welcome with an open arms whatever comes in our life whether in terms of sorrow or happiness.
My grandpa used to tell me that what's the use of schooling if you doesn't know how to fix a srew and nut bolt, how to do repairs to electricals, and all other pratical issues which come up in our life. He used to say that we are least bother that which flowers and trees are growing in which countries and all algebratic and geometric formullas that is not really applicable to your daily life.
One has to be pratical and your knowledge pays a dividend when you become useful to others besides earning regular income . Degrees, Awards, Certificates, Medals are counted when you put your knowledge in to practise and more towards human welfare. Remember, there are two types of accounts one has to maintain in their life one is monetory account and another is divine virtues and good deeds.
A doctor has to see its patients in terms of wealth, he should charged heavy from a wealthy patients and the same has to be contributed free of costs to the poor patients. Life is full of joy and guster and in anyways "All is well". Contribute everything to God. whatever will happen in your life , it will happen for good cause only. Problems and Sorrow will not remain forever. The shelther and sunlight are always there in one's life. So, let's be prepare and welcome with an open arms whatever comes in our life whether in terms of sorrow or happiness.
Thursday, 1 April 2010
5 Mantras to survive from slowdown in the Stock Market
Hi Folks ! This is an interesting article from rediff the linked of the same has been mentioned above .Investors in the stock market and mutual funds have already seen great erosion in their wealth. That is, the Sensex is down from the highs of January, when it was over 20,000 points, to close at a dismal 9,975.35 points this Friday -- down a whopping 50 per cent in just 10 months. And the last 20-25 per cent decline in the stock market has been so swift that it has taken just seven trading sessions to achieve this feat. To top this, the entire banking and financial system is under a lot of duress. There is a crisis in terms of confidence, with banks sometimes unwilling to lend short-term money to other banks and companies. Does this mean that we are headed for doom and nothing can be done about it? Certainly not, in fact, the great news is that there are steps that we could possibly take now to better prepare ourselves for some tough times ahead. Though there is no silver bullet or short-cut that can save you from a financial crisis of such nature, because no asset can protect itself or generate real returns in a panic situation, there are some key things that a family can do to ensure that they are ready to weather these uncertain times.
Step one: Stay Calm. Don't panic and make rash decisions. Even though you know that selling shares of good companies or mutual funds is the worst thing to do, it is often the first thing that comes to your mind. Of course, this is not to say that if there is money in high-risk, high-return mid-or small-cap funds or stocks, you should not move them. But take a call after you have properly analysed losses that would have incurred in the process. Yes, these are times when you have to be more alert, but translating your alertness into immediate action need not be necessary. You should opt for rational decisions in such times.
Step two: Just a while ago, you would have got calls from head hunters and felt ultra-confident about yourself. But with changing times, it is more likely that these calls will slow down, and so will hikes being offered by companies that are recruiting. Even your own company may not give much of a hike in the next year. But it's time that you do not look at hikes and increments. Instead, be defensive about your existing job. There are several ways of doing this -- right from taking in more responsibilities to improving your skill sets. This could mean putting in more hours, if possible, and working harder and smarter. Be prepared for situations, where your company is pruning its existing workforce and more workload may be coming your way.
Step three: Create a contingency fund aggressively, if you have not already done so. It is far more important now to have that additional cushion. Have at least 4-12 months of expenses in the liquid form, that is, in savings account and fixed deposits, at all points of time. If only a single member of the family is working then it is imperative to have more funds in the emergency kitty. Additionally, take stock of what you can sell in such markets without incurring a loss. Can you borrow against fixed deposits, take a loan against your LIC [Get Quote] policy and withdraw from PPF or EPF? Do you have gold that you could possibly sell? Evaluate all possibilities and be ready for all contingencies.
Step four: Perhaps, not taken too seriously, but the most important point -- reduce your expenses. There are two types of expenses: mandatory (groceries, child's education, home loan) and voluntary (entertainment, vacation, eating out and others). While there might be no way of scaling down mandatory expenses, voluntary ones can certainly be scaled down. However, even dealing with your mandatory expenses smartly can help matters. For instance, if you have high-interest home loans (most would have gone up to 12.25 per cent), you can look at refinancing it as there are banks that will offer you a loan for around 10.00-10.5 per cent. This can result in a reduction of the equated monthly instalment (EMI) and improve your cash flows. But it comes at a cost. So you will need to do a cost-benefit analysis of the loan transfer before going for it. If you are paying very high interest rates on credit cards and personal loans, you could do a 0 per cent balance transfer for three months (or slightly more), but refrain from using them till you clear the debt. If you really need to raise cash, opt for relatives instead of institutions or use your fixed deposits, real estate and other investments.
Step five: Have a proper savings budget and continue with your investments in PPF, EPF, SIPs and gold. Most importantly, this is not the time to be adventurous for investing in short-term equity. Doing all the above means you are much better prepared to tackle the bad times. It's important to pre-empt rather than take drastic measures in the future.
Step one: Stay Calm. Don't panic and make rash decisions. Even though you know that selling shares of good companies or mutual funds is the worst thing to do, it is often the first thing that comes to your mind. Of course, this is not to say that if there is money in high-risk, high-return mid-or small-cap funds or stocks, you should not move them. But take a call after you have properly analysed losses that would have incurred in the process. Yes, these are times when you have to be more alert, but translating your alertness into immediate action need not be necessary. You should opt for rational decisions in such times.
Step two: Just a while ago, you would have got calls from head hunters and felt ultra-confident about yourself. But with changing times, it is more likely that these calls will slow down, and so will hikes being offered by companies that are recruiting. Even your own company may not give much of a hike in the next year. But it's time that you do not look at hikes and increments. Instead, be defensive about your existing job. There are several ways of doing this -- right from taking in more responsibilities to improving your skill sets. This could mean putting in more hours, if possible, and working harder and smarter. Be prepared for situations, where your company is pruning its existing workforce and more workload may be coming your way.
Step three: Create a contingency fund aggressively, if you have not already done so. It is far more important now to have that additional cushion. Have at least 4-12 months of expenses in the liquid form, that is, in savings account and fixed deposits, at all points of time. If only a single member of the family is working then it is imperative to have more funds in the emergency kitty. Additionally, take stock of what you can sell in such markets without incurring a loss. Can you borrow against fixed deposits, take a loan against your LIC [Get Quote] policy and withdraw from PPF or EPF? Do you have gold that you could possibly sell? Evaluate all possibilities and be ready for all contingencies.
Step four: Perhaps, not taken too seriously, but the most important point -- reduce your expenses. There are two types of expenses: mandatory (groceries, child's education, home loan) and voluntary (entertainment, vacation, eating out and others). While there might be no way of scaling down mandatory expenses, voluntary ones can certainly be scaled down. However, even dealing with your mandatory expenses smartly can help matters. For instance, if you have high-interest home loans (most would have gone up to 12.25 per cent), you can look at refinancing it as there are banks that will offer you a loan for around 10.00-10.5 per cent. This can result in a reduction of the equated monthly instalment (EMI) and improve your cash flows. But it comes at a cost. So you will need to do a cost-benefit analysis of the loan transfer before going for it. If you are paying very high interest rates on credit cards and personal loans, you could do a 0 per cent balance transfer for three months (or slightly more), but refrain from using them till you clear the debt. If you really need to raise cash, opt for relatives instead of institutions or use your fixed deposits, real estate and other investments.
Step five: Have a proper savings budget and continue with your investments in PPF, EPF, SIPs and gold. Most importantly, this is not the time to be adventurous for investing in short-term equity. Doing all the above means you are much better prepared to tackle the bad times. It's important to pre-empt rather than take drastic measures in the future.
Friday, 11 December 2009
Investment in Gold and Real Estate's is the better option than any other options.
Hi Folks ! You all Guys are getting shocked to discuss and read about the gold and real estate investments, I know rather this is a new topic that ever has been discussed in my blog uptill now. As the name suggests HOUCHPOUCH means the blog covers all the topics.
So, it's a first time I have been covering the entire new topic about the investments. Well, Gold is not needed for the jewellary but it is a one kind of investemnt to oppose inflation. As the price of the gold rises day by day and it has reached up to Rs 18,000/- per 10 grams and it is earmarked rise and has to be notify about it.
Secondly, investment in real estates also counts. A person taken a house at Mira Road with one bedroom hall and kitchen before 8 months at around 8 Lakhs sold at a premium of Rs 10,00,000/- within arange of 8 months. So, there is a immense growth of wealth in these two sectors and more obiviously one has to invest a huge capital.
With gold, one can buy the raw gold and also the Gold Bond issued by the government of india and commercial banks in the form of gold coins and bars and with real estate one has to buy a plot of land which costs no more than atleast 75,000/- more in the remote areas.
The other advantges of investing in Gold is it is not volatile like other currencies and it is more stable and the safest kind of investment. Secondly gold is the best security to obtain loans from the bank.
Saturday, 28 June 2008
Bill Payments on line - A Good Bet
Online bill payments are good medium of removing the hassle of bill payments. You no longer have to stand in line, keep track of last dates or go to numerous places to pay different bills.
You can pay all your bills whether electricity, mobile or credit card online. Today one can choose between using an independent bill payment service provider like BillJunction.com and TimesOfMoney.com or you can even opt for the service through your bank.
Banks like HDFC, ICICI and Citi provide this service to their customers and bills can be paid through phone or net banking or via the ATM (automatic teller machine).
The basic advantage to online bill payments is convenience. Different portals have different features. The advantage of the independent bill service provider is that you can hold any bank account and still use the facility.
However, you have to be a HDFC Bank account holder to use their service, which is a requirement for the other banks providing the service as well.
TimesOfMoney.com allows you to schedule future payments, issue standing instructions for automatic payments, use multiple bank accounts and it also provides you with an online archive of your bills.
All the service providers offer archival facilities for at least the last 36 months' bills. They also offer either SMS or email reminders for the bills that need to be paid.
You can choose from a manual facility, which requires you to view the bill and pay or an automatic pay route, through which you allow the bank or service provider to directly debit your account once the bill is presented for payment.
Unless the amount is unnaturally high, you will not be notified about the deduction. TimesOfMoney charges Rs 199 for a period of 12 months and allows you to pay unlimited number of bills.
TimesOfMoney offers the service in Mumbai, New Delhi and Bangalore while BillJunction offers the service in Mumbai, Delhi, Pune, Kolkata, Bangalore, Hyderabad, Ahmedabad, Chennai and Chandigarh. BillJunction charges a one-time registration fee of Rs 50 and has designed packages you can choose from.
For instance, under the Supremo plan you will be charged Rs 160 for 20 bills and the validity period is one year.
Similarly if you choose to use the SMS bill pay service provided by BillJunction then under the Supremo plan you will be charged Rs 160 for 12 bills in a period of one year.
Compared with this, Citibank charges a transaction fee of Rs 10 if you utilise the net banking facility and Rs 25 if you use the phonebanking facility.
However, the facility is free to all ICICI Bank credit card and account holders but they need to register as Internet banking customers. HDFC also charges Rs 10 per transaction
You can pay all your bills whether electricity, mobile or credit card online. Today one can choose between using an independent bill payment service provider like BillJunction.com and TimesOfMoney.com or you can even opt for the service through your bank.
Banks like HDFC, ICICI and Citi provide this service to their customers and bills can be paid through phone or net banking or via the ATM (automatic teller machine).
The basic advantage to online bill payments is convenience. Different portals have different features. The advantage of the independent bill service provider is that you can hold any bank account and still use the facility.
However, you have to be a HDFC Bank account holder to use their service, which is a requirement for the other banks providing the service as well.
TimesOfMoney.com allows you to schedule future payments, issue standing instructions for automatic payments, use multiple bank accounts and it also provides you with an online archive of your bills.
All the service providers offer archival facilities for at least the last 36 months' bills. They also offer either SMS or email reminders for the bills that need to be paid.
You can choose from a manual facility, which requires you to view the bill and pay or an automatic pay route, through which you allow the bank or service provider to directly debit your account once the bill is presented for payment.
Unless the amount is unnaturally high, you will not be notified about the deduction. TimesOfMoney charges Rs 199 for a period of 12 months and allows you to pay unlimited number of bills.
TimesOfMoney offers the service in Mumbai, New Delhi and Bangalore while BillJunction offers the service in Mumbai, Delhi, Pune, Kolkata, Bangalore, Hyderabad, Ahmedabad, Chennai and Chandigarh. BillJunction charges a one-time registration fee of Rs 50 and has designed packages you can choose from.
For instance, under the Supremo plan you will be charged Rs 160 for 20 bills and the validity period is one year.
Similarly if you choose to use the SMS bill pay service provided by BillJunction then under the Supremo plan you will be charged Rs 160 for 12 bills in a period of one year.
Compared with this, Citibank charges a transaction fee of Rs 10 if you utilise the net banking facility and Rs 25 if you use the phonebanking facility.
However, the facility is free to all ICICI Bank credit card and account holders but they need to register as Internet banking customers. HDFC also charges Rs 10 per transaction
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