Avoiding common problems faced by credit card customers
Author Name : Harsh Roongta
Tuesday,14th August 2007
Here are some common problems faced by credit card customers along with possible solutions.
1) No feed back from the bank after submitting all the documents and the application form. You need to take down the details of the name of the person who met you, the DSA's name which employs him and his mobile number and the exact date on which the form was handed over to him. Keeping his visiting card is a good idea but you should also note these details down on your copy of the credit card application form (as in many cases the executive meeting you may not have a visiting card). There is no point in following up with the executive for a feedback. You will be better off calling the common call centre of the concerned bank and providing them with all these details. In some cases even that may not help in which case you may have to apply again if you are very insistent on taking a credit card from the same bank.
2) Fees charged despite the promise of a free card. Get all promises in writing (or on email).
3) Subscription to insurance services or publications started without your approval: Keep a photocopy of the application form and take acknowledgment with full name and designation and mobile number of the bank representative to prove your case that you had never asked for the service.
4) If you still face a problem file an official complaint on the bank's website. If the issue is not resolved to your satisfaction within a couple of weeks you can file a complaint with the banking ombudsman. Details of how to file an online complaint with banking ombudsman are available on www.bankingombudsman.rbi.org.in
Related links: How to select the right credit card for you
Things to watch out for while using a credit card
Credit Cards: Safety Features
Related Articles : • Credit Card Statement Made Easy•
Banks and Recovery Agents: People we all love to hate
Saturday, February 16, 2008
February 16, 2008
Credit Card Comparators
Here is an easy credit card comparator. The table enumerates all the important parameters of all the basic credit cards offered by the major banks. This table will help you compare disparate features such as interest rate on revolving credit, over-limit charges, cash withdrawal fee, and so on.You can also apply for the credit card by filling up the form on the right.Silver Credit Card Gold Credit Card
Visit the link Below to know the comparators :
http://www.apnaloan.com/credit-card-india/comparators.html
Monday, February 11, 2008
February 11, 2008
Hi Folks, Valentine Day is round the corner, a day of love and Sympathy, Humanity and gratefulness.This Day is especially meant for the couples i.e. married and unmarried couples, teenagers, College Goers, Office Goers and not to say a Boss and his Secretary.In this day they show their regards and love to each other in various forms.
I know the BAGHBAAN movie, where Bachhan Sahaab remember his beloved wife where he gets physically estranged with her.
Today the people have become showy and artificial in their dealings. Love or rather real love is not there between them. There is superflous, gigantic parties, show-offs, excessive interactions and only want a cry for sex and only sex.
In this day, people buy the products which directly relates to orgasm and erotic. The another day of Valentine people generally forgets their partners and their love goes off in the air forever.
Valentine means interacting, enjoying, drinking, hugging, smooching, dancing, partying, kissing and last but not the least going in to bed.
I remember amovie called "Dil To Pagal Hai" where Karishma Kapoor narrates that
the valentine day is very important day for the lovers and she said that only in this they forget everything and found themselves in each other. They have a true love and affection for each other. Sharukh says that in the next year in the same valentine day, you would see the same couples hugging with each other are already got seperated from each other, either they get break off or started disliking each other.
Valentine is only the attraction and attachment of the youth age and body relaions and sex and attachment.
I know the BAGHBAAN movie, where Bachhan Sahaab remember his beloved wife where he gets physically estranged with her.
Today the people have become showy and artificial in their dealings. Love or rather real love is not there between them. There is superflous, gigantic parties, show-offs, excessive interactions and only want a cry for sex and only sex.
In this day, people buy the products which directly relates to orgasm and erotic. The another day of Valentine people generally forgets their partners and their love goes off in the air forever.
Valentine means interacting, enjoying, drinking, hugging, smooching, dancing, partying, kissing and last but not the least going in to bed.
I remember amovie called "Dil To Pagal Hai" where Karishma Kapoor narrates that
the valentine day is very important day for the lovers and she said that only in this they forget everything and found themselves in each other. They have a true love and affection for each other. Sharukh says that in the next year in the same valentine day, you would see the same couples hugging with each other are already got seperated from each other, either they get break off or started disliking each other.Valentine is only the attraction and attachment of the youth age and body relaions and sex and attachment.
Sunday, February 03, 2008
February 03, 2008
Hi Folks, No one likes degeneration or any decoy, defective, dull and bad in whichever form it may be. People dislikes and hate them without any reason. It is not a matter of solution to dislike when somthing or someone is there since hierarchy. It is well go on saying that even the mud of this earthl will come to use at any time and in any solution so hence forthwith don't try to oversee anything which is under its control.
The other way round is start finding the qualities in him which is offbeat and unconventional. Today's man are always want to choose those paths which are familair and understood by others. The hidden qualities are mainly overlooked. A lion is always arrogant and proud being the king of the Jungle and he takes in to consideartion to others. A mouse who is very trival in his looks is often overlooked by others.
A lion when get caught in cages by hunters cannot rescue himself other than by mouse who cuts the strings of cages by his mouth. Everybody and everyone is important in this life according to their capacity and limitations. You cannot expect lawyer to treat a patience, One cannot expecta businesman to become expert in any service like proffessionals. Cobblers are expert in their fields, Jewel Smiths in theirs and Glaziers in their fields.
Tare Zameen Par focuses on these issues that how a Dyslexic boy has been overlooked and forbidden by his friends and family. The Actor Amir Khan forcasts his hidden qualities and made a boy to arouse his morale and breaking personality to the top norch personality.
Indeed, the film is very good and a role of a dyslexic boy played by a junior artist is indeed the backbone of the movie. Its song like Title song and Tu Dhoop He, Jam ke Bichar have become popular and included in Top ten. Its back Ground music, Lyrics, Dialogues and Ambience made the film to boost still futher.
Likewise, KOi Mil Gaya is also a Block buster in bollywood movies which also shows the Dyslexic child. This filw was a fiction but a good film and a song Kaacha Nahin kuch bhi Pakka Nahin is an awesome song to hear and dialogue of Hritik Roshan that everyone is mental is a very good dialogue.
The other way round is start finding the qualities in him which is offbeat and unconventional. Today's man are always want to choose those paths which are familair and understood by others. The hidden qualities are mainly overlooked. A lion is always arrogant and proud being the king of the Jungle and he takes in to consideartion to others. A mouse who is very trival in his looks is often overlooked by others.
A lion when get caught in cages by hunters cannot rescue himself other than by mouse who cuts the strings of cages by his mouth. Everybody and everyone is important in this life according to their capacity and limitations. You cannot expect lawyer to treat a patience, One cannot expecta businesman to become expert in any service like proffessionals. Cobblers are expert in their fields, Jewel Smiths in theirs and Glaziers in their fields.
Tare Zameen Par focuses on these issues that how a Dyslexic boy has been overlooked and forbidden by his friends and family. The Actor Amir Khan forcasts his hidden qualities and made a boy to arouse his morale and breaking personality to the top norch personality.
Indeed, the film is very good and a role of a dyslexic boy played by a junior artist is indeed the backbone of the movie. Its song like Title song and Tu Dhoop He, Jam ke Bichar have become popular and included in Top ten. Its back Ground music, Lyrics, Dialogues and Ambience made the film to boost still futher.
Likewise, KOi Mil Gaya is also a Block buster in bollywood movies which also shows the Dyslexic child. This filw was a fiction but a good film and a song Kaacha Nahin kuch bhi Pakka Nahin is an awesome song to hear and dialogue of Hritik Roshan that everyone is mental is a very good dialogue.
Saturday, February 02, 2008
February 02, 2008
Monday's Promise: Responsibility I will take complete responsibility for my health, my happiness, my success, and my life, and will not blame others for my problems.
Tuesday's Promise: Accountability I will not allow low self-esteem, self-limiting beliefs, or the negativity of others to prevent me from achieving my authentic goals and from becoming the person I am meant to be.
Wednesday's Promise: Determination I will do the things I'm afraid to do, but which I know should be done. Sometimes this will mean asking for help to do that which I cannot do by myself.
Thursday's Promise: Contribution I will earn the help I need in advance by helping other people now, and repay the help I receive by serving others later.
Friday's Promise: Resilience I will face rejection and failure with courage, awareness, and perseverance, making these experiences the platform for future acceptance and success.
Saturday's Promise: Choice I will have faith that, though I might not understand why adversity happens, by my conscious choice I can find strength, compassion, and grace through my trials.
Sunday's Promise: Faith My faith and my gratitude for all that I have been blessed with will shine through in my attitudes and in my actions
Tuesday's Promise: Accountability I will not allow low self-esteem, self-limiting beliefs, or the negativity of others to prevent me from achieving my authentic goals and from becoming the person I am meant to be.
Wednesday's Promise: Determination I will do the things I'm afraid to do, but which I know should be done. Sometimes this will mean asking for help to do that which I cannot do by myself.
Thursday's Promise: Contribution I will earn the help I need in advance by helping other people now, and repay the help I receive by serving others later.
Friday's Promise: Resilience I will face rejection and failure with courage, awareness, and perseverance, making these experiences the platform for future acceptance and success.
Saturday's Promise: Choice I will have faith that, though I might not understand why adversity happens, by my conscious choice I can find strength, compassion, and grace through my trials.
Sunday's Promise: Faith My faith and my gratitude for all that I have been blessed with will shine through in my attitudes and in my actions
February 02, 2008
Hi Folks, This is avery good story from which one can learn to conquer the challenges in your life. challanges are like efforts in your life, without which your life becomes dull and boring. To face challenge one should have a strong confidence in himself. Wothout challenge, life will get boring and routine.
The Japanese have always loved fresh fish. But the water close to Japan has not held many fish for decades. So to feed the Japanese population, fishing boats got bigger and went farther than ever. The farther the fishermen went, the longer it took to bring the fish.
If the return trip took more time, the fish were not fresh. To solve this problem, fish companies installed freezers on their boats. They would catch the fish and freeze them at sea. Freezers allowed the boats to go farther and stay longer.
However, the Japanese could taste the difference between fresh and frozen fish. And they did not like the taste of frozen fish. The frozen fish brought a lower price. So, fishing companies installed fish tanks. They would catch the fish and stuff them in the tanks, fin to fin.
After a little thrashing around, they were tired, dull, and lost their fresh-fish taste. The fishing industry faced an impending crisis! But today, they get fresh-tasting fish to Japan . How did they manage? To keep the fish tasting fresh, the Japanese fishing companies still put the fish in the tanks but with a small shark.
The fish are challenged and hence are constantly on the move. The challenge they face keeps them alive and fresh!
* Have you realized that some of us are also living in a pond but most of the time tired and dull ? Basically in our lives, sharks are new 'Challenges' to keep us active. If you are steadily conquering challenges, you are happy.Your challenges keep you Energized. Don't create success and revel in it in a state of inertia. You have the resources, skills and abilities to make a difference. Put a shark in your tank and see how far you can really go! *
The Japanese have always loved fresh fish. But the water close to Japan has not held many fish for decades. So to feed the Japanese population, fishing boats got bigger and went farther than ever. The farther the fishermen went, the longer it took to bring the fish.
If the return trip took more time, the fish were not fresh. To solve this problem, fish companies installed freezers on their boats. They would catch the fish and freeze them at sea. Freezers allowed the boats to go farther and stay longer.
However, the Japanese could taste the difference between fresh and frozen fish. And they did not like the taste of frozen fish. The frozen fish brought a lower price. So, fishing companies installed fish tanks. They would catch the fish and stuff them in the tanks, fin to fin.
After a little thrashing around, they were tired, dull, and lost their fresh-fish taste. The fishing industry faced an impending crisis! But today, they get fresh-tasting fish to Japan . How did they manage? To keep the fish tasting fresh, the Japanese fishing companies still put the fish in the tanks but with a small shark.
The fish are challenged and hence are constantly on the move. The challenge they face keeps them alive and fresh!
* Have you realized that some of us are also living in a pond but most of the time tired and dull ? Basically in our lives, sharks are new 'Challenges' to keep us active. If you are steadily conquering challenges, you are happy.Your challenges keep you Energized. Don't create success and revel in it in a state of inertia. You have the resources, skills and abilities to make a difference. Put a shark in your tank and see how far you can really go! *
Tuesday, January 29, 2008
January 29, 2008
Hi Folks! Being an etiquette and proffessional only counts upon your dress which you wear. Dress makes you a person of a selected calibre. Dress plays a very important role in displaying your image, background and social status.
Dr Thomas Lee concluded from the research that people want their doctor to look like a doctor. He maintains that people prefer a doctor who looks like he deserves their respect, may be even their reverence. If you are a physician, the study suggests you would be smart to dress conservatively.
Thourlby claims that others make atleast ten decesions about you based solely on your dress, they will decide:
1. Your economic level.
2. Your educational level.
3. Your trustworthiness.
4. Your social position.
5. Your Level of sophistication.
6. Your economic heritage.
7. Your social heritage.
8. Your attitude and understanding level.
9. Your level of success
10. Your moral character.
The Queen of England once wrote this to her son: "Dress gives one the outward sign from which people in general can and do judge upon the inward state of mind and feelings of a person; for this they can see, while the other they cannot see. On that account, clothes are of particular importance."
Like it or not, agree or not, how you dress is vitally important. As Daniel Webster wrote, " The world is governed more by appearance than by realities, so that it is fully as necessary to seem to know something as it is to know it.
Dr Thomas Lee concluded from the research that people want their doctor to look like a doctor. He maintains that people prefer a doctor who looks like he deserves their respect, may be even their reverence. If you are a physician, the study suggests you would be smart to dress conservatively.
Thourlby claims that others make atleast ten decesions about you based solely on your dress, they will decide:
1. Your economic level.
2. Your educational level.
3. Your trustworthiness.
4. Your social position.
5. Your Level of sophistication.
6. Your economic heritage.
7. Your social heritage.
8. Your attitude and understanding level.
9. Your level of success
10. Your moral character.
The Queen of England once wrote this to her son: "Dress gives one the outward sign from which people in general can and do judge upon the inward state of mind and feelings of a person; for this they can see, while the other they cannot see. On that account, clothes are of particular importance."
Like it or not, agree or not, how you dress is vitally important. As Daniel Webster wrote, " The world is governed more by appearance than by realities, so that it is fully as necessary to seem to know something as it is to know it.
Saturday, January 26, 2008
January 26, 2008
If you are young and restless and into the stock markets then this is for you.
For the Indian stock markets are caught in a whirlwind and you might need a straw to hold on to something. Some words of wisdom, some nuggets that may help you to relax, howsoever often you may have heard them before.
Waking up this morning would you have imagined the 30-stock benchmark index, the Sensex, would crash by more than 1,500 points after noon?
The US markets seemed a bit stable with the Dow Jones down by about 0.5 per cent. The Indian stocks too had been on a downslide since January 15. However, the shock and awe that the Sensex witnessed today must have made a few of the weak-hearted amongst you stop and take heed.
Weak-hearted we all are but if you also have some patience -- considering your age -- here's what you should keep in mind to weather stock market turbulences.
1 ) Start nibbling in
If you believe in India's growth story every steep fall should be seen as a buying opportunity. If you haven't yet entered the market but want to then tighten your belts. Market crash like the one today is an ideal time to buy. However, since these are very tumultuous times don't put all your eggs in one basket.
That is, if you have Rs 100 to invest then put only Rs 25 or even less during such crashes. If you have heart for some risk then put Rs 25 out of that Rs 100 today and keep the rest for later. However, do this only if you are willing to stake your money for at least five-seven years. The long-term stock market story in India still looks positive.
2. Don't panic
If you are already invested in the market and are sitting on huge losses, don't panic. The macro economic story in India led by the consumption, infrastructure and engineering sectors still have chances to remain insulated from what's happening in the US markets. This because many believe that the US recession is responsible for the current weakness across global markets.
If the US can't buy our goods, no problem. India and Indians have the purchasing capacity believe some experts, who say that the US recession will not have a huge impact on the Indian growth story.
Moreover, India's demographics, skewed heavily in favour of the young, will help India overcome external pressures in the long run. Young Indians like you are spending more on their daily needs thereby increasing the consumption demand.
So if you are a brave heart and believe that there are bound to be minor hiccups along the way this is your time. Add more and good quality stocks to your portfolio.
3. Avoid averaging
If you are a short-term trader and think that you can buy more of the same stocks to average your buying price then you may be in for a rough ride. Nobody knows for sure about which direction the markets will take in the weeks ahead.
Any bad news coming from global giants like the US, Europe and China can only have multiplier effects. If the markets were to tank further your losses are likely to increase manifold. So book your losses and get out of the market.
However, if you want to invest with a long-term perspective start nibbling in on good quality stocks.
4. Don't go by tips
If you are young and eager to make money then you are an ideal target for those who give stock tips. They will start flying thick and fast from tomorrow. Or may have started doing rounds even today for all we know. Some of your friends will ask you to buy stocks; some other will advise you to sell them.
Agreed you will find a lot many stocks at prices far lower than what they were a fortnight ago. Check for their credentials. For this is the time when gullible investors go for the bait thrown by stock market manipulators. Don't buy any stock merely because a broker or a market punter advised you to.
Similarly, there will be a host of technical advisors jostling for your attention. "This particular stock looks weak on the charts. Traders can make some profits by selling them now and buying the same at lower levels with strict stop losses." Shun the thought. For you never know when the markets will bounce back.
Bottom line: don't trade on tips. Better still don't trade at all. Go for long-term investments. For the time being forget what Lord Maynard Keynes said: "In the long-term we are all dead."
God knows what will happen in the long-term but in the current scenario if you were to act on tips then you will only be responsible for your own ruin.
5. Mutual funds are your best friends
In such times let experts manage your money if you find stock markets to be a hot potato. Put your money in mutual funds for the mutual fund manager is a market expert and is assisted by a big team of market specialists. A decision made by a team of experts will help you make far greater profits than what you will try to do on your own.
The stock market hammering of the last few days should be taken as an opportunity to buy into good diversified equity funds. For, they put their money into the markets irrespective of any sector, theme, or market cap limitation.
When the markets will bounce back they will have a far higher chance of appreciating faster than any other type of mutual funds.
6. Don't try to time the markets
As an individual you are in no way going to buy when the market falls and sell when the market rises. Believe in investing money into stocks or mutual funds' systematic investment plans, SIPs, regularly. This is the only key to avoid getting ruined in the stock markets.
The stock market crashes -- like the one witnessed today -- get evened out by long-term gains. For instance, those who had been regularly investing from the time markets crashed steeply during the May 2006 crash would not feel bothered about the crash today.
The market had crashed to some 12,000 points then from about 16,000 levels in just a month's time. Today even after the crash the market was trading at 17,000 plus levels.
Remember that age is on your side. If you are in your early, mid or late twenties then this is the right time for you to put your money in stock markets. Historically, stock market gains have outweighed gains from other asset classes over 10-year, 15-year and 20-year time horizons.
Who knows, by the time you are in your 40s or 50s, twenty years from this day, you might look back at this crash as your first stepping stone towards building wealth for yourself and your family.
This article has been taken from http://www.rediff.com/getahead/2008/jan/21crash.htm
For the Indian stock markets are caught in a whirlwind and you might need a straw to hold on to something. Some words of wisdom, some nuggets that may help you to relax, howsoever often you may have heard them before.
Waking up this morning would you have imagined the 30-stock benchmark index, the Sensex, would crash by more than 1,500 points after noon?
The US markets seemed a bit stable with the Dow Jones down by about 0.5 per cent. The Indian stocks too had been on a downslide since January 15. However, the shock and awe that the Sensex witnessed today must have made a few of the weak-hearted amongst you stop and take heed.
Weak-hearted we all are but if you also have some patience -- considering your age -- here's what you should keep in mind to weather stock market turbulences.
1 ) Start nibbling in
If you believe in India's growth story every steep fall should be seen as a buying opportunity. If you haven't yet entered the market but want to then tighten your belts. Market crash like the one today is an ideal time to buy. However, since these are very tumultuous times don't put all your eggs in one basket.
That is, if you have Rs 100 to invest then put only Rs 25 or even less during such crashes. If you have heart for some risk then put Rs 25 out of that Rs 100 today and keep the rest for later. However, do this only if you are willing to stake your money for at least five-seven years. The long-term stock market story in India still looks positive.
2. Don't panic
If you are already invested in the market and are sitting on huge losses, don't panic. The macro economic story in India led by the consumption, infrastructure and engineering sectors still have chances to remain insulated from what's happening in the US markets. This because many believe that the US recession is responsible for the current weakness across global markets.
If the US can't buy our goods, no problem. India and Indians have the purchasing capacity believe some experts, who say that the US recession will not have a huge impact on the Indian growth story.
Moreover, India's demographics, skewed heavily in favour of the young, will help India overcome external pressures in the long run. Young Indians like you are spending more on their daily needs thereby increasing the consumption demand.
So if you are a brave heart and believe that there are bound to be minor hiccups along the way this is your time. Add more and good quality stocks to your portfolio.
3. Avoid averaging
If you are a short-term trader and think that you can buy more of the same stocks to average your buying price then you may be in for a rough ride. Nobody knows for sure about which direction the markets will take in the weeks ahead.
Any bad news coming from global giants like the US, Europe and China can only have multiplier effects. If the markets were to tank further your losses are likely to increase manifold. So book your losses and get out of the market.
However, if you want to invest with a long-term perspective start nibbling in on good quality stocks.
4. Don't go by tips
If you are young and eager to make money then you are an ideal target for those who give stock tips. They will start flying thick and fast from tomorrow. Or may have started doing rounds even today for all we know. Some of your friends will ask you to buy stocks; some other will advise you to sell them.
Agreed you will find a lot many stocks at prices far lower than what they were a fortnight ago. Check for their credentials. For this is the time when gullible investors go for the bait thrown by stock market manipulators. Don't buy any stock merely because a broker or a market punter advised you to.
Similarly, there will be a host of technical advisors jostling for your attention. "This particular stock looks weak on the charts. Traders can make some profits by selling them now and buying the same at lower levels with strict stop losses." Shun the thought. For you never know when the markets will bounce back.
Bottom line: don't trade on tips. Better still don't trade at all. Go for long-term investments. For the time being forget what Lord Maynard Keynes said: "In the long-term we are all dead."
God knows what will happen in the long-term but in the current scenario if you were to act on tips then you will only be responsible for your own ruin.
5. Mutual funds are your best friends
In such times let experts manage your money if you find stock markets to be a hot potato. Put your money in mutual funds for the mutual fund manager is a market expert and is assisted by a big team of market specialists. A decision made by a team of experts will help you make far greater profits than what you will try to do on your own.
The stock market hammering of the last few days should be taken as an opportunity to buy into good diversified equity funds. For, they put their money into the markets irrespective of any sector, theme, or market cap limitation.
When the markets will bounce back they will have a far higher chance of appreciating faster than any other type of mutual funds.
6. Don't try to time the markets
As an individual you are in no way going to buy when the market falls and sell when the market rises. Believe in investing money into stocks or mutual funds' systematic investment plans, SIPs, regularly. This is the only key to avoid getting ruined in the stock markets.
The stock market crashes -- like the one witnessed today -- get evened out by long-term gains. For instance, those who had been regularly investing from the time markets crashed steeply during the May 2006 crash would not feel bothered about the crash today.
The market had crashed to some 12,000 points then from about 16,000 levels in just a month's time. Today even after the crash the market was trading at 17,000 plus levels.
Remember that age is on your side. If you are in your early, mid or late twenties then this is the right time for you to put your money in stock markets. Historically, stock market gains have outweighed gains from other asset classes over 10-year, 15-year and 20-year time horizons.
Who knows, by the time you are in your 40s or 50s, twenty years from this day, you might look back at this crash as your first stepping stone towards building wealth for yourself and your family.
This article has been taken from http://www.rediff.com/getahead/2008/jan/21crash.htm
Friday, January 18, 2008
January 18, 2008
Hi Folks,
Life gets bored and dull,when there is no newness in one's life. Newness has to be created in our life i.e. in our daily activities. We have to change our routine so as to get freshness from newness.
In corporate offices also, change the pattern of your work, delegate the work to your sub bordinates, spend some more informal time with your subbordinates , staff and collegues. Be positive, happy, sweet and always smile in your efforts.
I can give the best examole of my friend who always cry for his office going on Mondays. hen Monday comes he gets bored and always complain that how he will spend hie entire week. I told him to start with putting new clothes, attires, perfumes esp on Mondays than to Saturdays.
After my advice he started doing the same . After some time his personality got changed and he always welcome Mondays with his open arms.
Try to take break from your routine chores, spend some time with your family, Do some unconventional activity like errands, picnics, outing, dinner in hotel, freakout, shopping or rather some hobbies of yours.
In my spare time when I get bored, I send an SMS to my friends, relatives, acquaintances. In return, I also get SMS from them at any time.
I can narrate of my own situtation , I was very sad, confused and was sitting at one corner of the room. Sudently, I got a SMS from one of my friend . That SMS was so good that it has changed my mood. I laughed with that SMS and regain my original mood and status.
Life gets bored and dull,when there is no newness in one's life. Newness has to be created in our life i.e. in our daily activities. We have to change our routine so as to get freshness from newness.
In corporate offices also, change the pattern of your work, delegate the work to your sub bordinates, spend some more informal time with your subbordinates , staff and collegues. Be positive, happy, sweet and always smile in your efforts.
I can give the best examole of my friend who always cry for his office going on Mondays. hen Monday comes he gets bored and always complain that how he will spend hie entire week. I told him to start with putting new clothes, attires, perfumes esp on Mondays than to Saturdays.
After my advice he started doing the same . After some time his personality got changed and he always welcome Mondays with his open arms.
Try to take break from your routine chores, spend some time with your family, Do some unconventional activity like errands, picnics, outing, dinner in hotel, freakout, shopping or rather some hobbies of yours.
In my spare time when I get bored, I send an SMS to my friends, relatives, acquaintances. In return, I also get SMS from them at any time.
I can narrate of my own situtation , I was very sad, confused and was sitting at one corner of the room. Sudently, I got a SMS from one of my friend . That SMS was so good that it has changed my mood. I laughed with that SMS and regain my original mood and status.
Tuesday, January 15, 2008
January 15, 2008
A group of alumni, highly established in their careers, got together to visit their old university professor. Conversation soon turned into complaints about stress in work and life.Offering his guests coffee, the professor went to the kitchen and returned with a large pot of coffee and an assortment of cups porcelain, plastic,glass, crystal, some plain looking, some expensive, some exquisite - telling them to help themselves to hot coffee. When all the students had a cup of coffee in hand, the professor said:
"If you noticed, all the nice looking expensive cups were taken up, leavingbehind the plain and cheap ones.
It is normal for you to want only the best for yourselves and that is the source of your problems and stress.
What all of you really wanted was coffee, not the cup, but you consciouslywent for the best cups and were eyeing each other's cups.
Now if life is coffee, then the jobs, money and position in society arethe cups. They are just tools to hold and contain Life, but the quality of Life doesn't change. Some times, by concentrating only on the cup, we fail to enjoy the coffee in it."
This article has been send across my e mail by one of my divine friend.
Sunday, January 13, 2008
January 13, 2008
Hi folks, Marking is a very tactful tactics to approach, communicate and convince your clients.One's motive to do marketing is not only confine to boost up your sales but to give better and good services to your customers. Customer should get convince from your sales talk.
One's sales talk should be in the favour of customers. A marketing person should see all the factors of their customers like their budgets for spending, tastes and likes, benefits from the products, prices, Sales supports, Discounts and other facilities.
I can give a best example of a salesman who efficiently had made the growth of sales from his sales talk. He never convince the customers for which he is not interested. He sees whether that customers which he is offering the products or services gets matched with their tastes and likes. If a customer is ready to buy but from his sales talk he narrates " this is not suitable for you, it hardly comes to any use, etc avoiding the customer not to spend an extravagant amount in unnecessary products. Though his intention is to sell and makes profit either by hook or by crook.
Marketing done with positive approach, in a correct ways and methods,honestly and geniuinely will definately makes a person popular in marketing and the customer will get the trust on him. Never make fool to your customer by giving low quality, high price and monoplizing your products as to differentiate out from your competitors.
Stay in touch with your customers. Meeting someone once is not enough. Send Notes, call them or meet for lunch, greet them in any occassions and maintain the relationship. Always be humble and show ettiquetes in your dealings.
When communcating on one's mobile directly one has to be very polite and sweet and to get start off your sales talk, first wish them and ask whether he is free to listen him, otherwise take appointment from him and briefly narrarte your sales talk as much as possible.
Love your work, your sales talk, your movements, your approach, your behaviour and pass it on to your customers. Loveness, feelings and likings has to be there in you. No matter if your sales talk has not convince him, do not feel sad and unhappy but end up your conversation friendly by shaking his hands well. May be that customer get turn around later and buy from you your products or services.
One's sales talk should be in the favour of customers. A marketing person should see all the factors of their customers like their budgets for spending, tastes and likes, benefits from the products, prices, Sales supports, Discounts and other facilities.
I can give a best example of a salesman who efficiently had made the growth of sales from his sales talk. He never convince the customers for which he is not interested. He sees whether that customers which he is offering the products or services gets matched with their tastes and likes. If a customer is ready to buy but from his sales talk he narrates " this is not suitable for you, it hardly comes to any use, etc avoiding the customer not to spend an extravagant amount in unnecessary products. Though his intention is to sell and makes profit either by hook or by crook.
Marketing done with positive approach, in a correct ways and methods,honestly and geniuinely will definately makes a person popular in marketing and the customer will get the trust on him. Never make fool to your customer by giving low quality, high price and monoplizing your products as to differentiate out from your competitors.
Stay in touch with your customers. Meeting someone once is not enough. Send Notes, call them or meet for lunch, greet them in any occassions and maintain the relationship. Always be humble and show ettiquetes in your dealings.
When communcating on one's mobile directly one has to be very polite and sweet and to get start off your sales talk, first wish them and ask whether he is free to listen him, otherwise take appointment from him and briefly narrarte your sales talk as much as possible.
Love your work, your sales talk, your movements, your approach, your behaviour and pass it on to your customers. Loveness, feelings and likings has to be there in you. No matter if your sales talk has not convince him, do not feel sad and unhappy but end up your conversation friendly by shaking his hands well. May be that customer get turn around later and buy from you your products or services.
Wednesday, January 02, 2008
January 02, 2008
Hi Folks ! This is a very important article from Freewebs.com, whre you get the useful tips how to promote your website and increase the traffic so as to make your site popular with the top search engines and to boost your sales.
It is a site where you can create your website totallt free of costs under their banner. You can visit at the link http://www.freewebs.com and can create your own site.
Here are the few useful tips from freewebs.com
1 ) To help your site soar in 2008, we put together 7 ways you can improve your site and increase site traffic:
2 ) Keep Content Fresh - New content is a great way to keep visitors coming back. Search engines also rank sites with fresh content higher. Keeping an active blog is a great way to keep your site new and fresh.
3 ) Keep it Simple - Visitors should be able to easily look around your site. If visitors are frustrated and can't find what they are looking for, they are likely to leave quickly and never come back or recommend your site to others.
4 )Help Visitors Contact You - Make it simple for visitors to reach you if they want. Include a guestbook or blog where they can post questions. Add a "contact me" form where they can submit questions to you via email.
5 ) Use Descriptive File Names - Use descriptive keywords as names for the files (e.g., pictures, videos) on your site. This will help your site appear more with search engines - especially through things like Google Image Search.
6 )Create Links - Getting links to your site from other websites will help generate more traffic and improve your placement in search engines. Find other Freewebs sites on your same topic and put a link to them on your site -- maybe in a new "Favorite Links" page. Then ask those sites to link back to you by signing their guestbook.
7 )Tag your Site - Adding site tags can increase the number of times your site shows up in search results. To pick the right keywords, try putting yourself in the shoes of your visitors and think what they would search for if they wanted to find your site.
Liven Up Site with Widgets - Add widgets to help your visitors interact with your site, get useful information, or just have fun. They are free and easy to add.
Log in here to learn more on how you can promote your site.Happy Site Building! ~ Your Freewebs Team
It is a site where you can create your website totallt free of costs under their banner. You can visit at the link http://www.freewebs.com and can create your own site.
Here are the few useful tips from freewebs.com
1 ) To help your site soar in 2008, we put together 7 ways you can improve your site and increase site traffic:
2 ) Keep Content Fresh - New content is a great way to keep visitors coming back. Search engines also rank sites with fresh content higher. Keeping an active blog is a great way to keep your site new and fresh.
3 ) Keep it Simple - Visitors should be able to easily look around your site. If visitors are frustrated and can't find what they are looking for, they are likely to leave quickly and never come back or recommend your site to others.
4 )Help Visitors Contact You - Make it simple for visitors to reach you if they want. Include a guestbook or blog where they can post questions. Add a "contact me" form where they can submit questions to you via email.
5 ) Use Descriptive File Names - Use descriptive keywords as names for the files (e.g., pictures, videos) on your site. This will help your site appear more with search engines - especially through things like Google Image Search.
6 )Create Links - Getting links to your site from other websites will help generate more traffic and improve your placement in search engines. Find other Freewebs sites on your same topic and put a link to them on your site -- maybe in a new "Favorite Links" page. Then ask those sites to link back to you by signing their guestbook.
7 )Tag your Site - Adding site tags can increase the number of times your site shows up in search results. To pick the right keywords, try putting yourself in the shoes of your visitors and think what they would search for if they wanted to find your site.
Liven Up Site with Widgets - Add widgets to help your visitors interact with your site, get useful information, or just have fun. They are free and easy to add.
Log in here to learn more on how you can promote your site.Happy Site Building! ~ Your Freewebs Team
Tuesday, January 01, 2008
January 01, 2008
This year has come with new offerings, challenges, oppurtunities, ideas and new concepts to change the entity of ones self. This is the only time to give up with the bad ideas and develop contemporary styles and ideas.
We always takes new resolutions in the new year to put in to habits those reslutions in our entire life. This is only the time to rejenuavete ourself and the aura of our body and suroundings.We have to enlighten ourself so as to see changes in ourself and surroundings.
I have seen many people who are stereoyped and restrict to change themselves. We should be dynamic in our attitude and approach. We should develop new ideas and beliefs as per changing world environment.
Todays coomunication is so fast to reach our message with no seconds of time. In this Information technologhy one can accesss internet to get information and knowledge of the whole world. The world is becoming shorter and shorter that even we could not believe the person there at overseas is there next to us thanks for internet chatting and e mail.
In this world, I find many people orthodox and unfamiliar with this concepts. They never change their attitude and always stick to their old attitude. They are always sick in their outlook and dealings. An intelliigent man is so called when he has couraged to change his attitude and nature.
In the New Year one has to check himself of his deeds in the past and the bad deeds should not go on repeating in this year like damage caused in the relationship, dishonesty, etc. All bad habits can be slowly healed in this year. We should be humble, polite, sincere, spiritual, pious, positive, helpful in our approach.
I have been taught by my uncle that how to transform your enemy in to friends ?. The realtionship is like a mirror once it gets broken it is very difficult to get repair. The simple solution is whatever you did wrong with someone who got in turn became your enemy, simply give a broad smile whenever he come across in front of you rather than turning a face around or simply aplolgize him for your wrong doing.He will atleast forgive you rather becoming your friend and slowly you should start building relationship with him and a day will come that the wounds caused between you will get healed.
Welcome this new year by taking the new resolutions and adhere to your new resolutions to your entire life which makes your life fresh and recreating .
We always takes new resolutions in the new year to put in to habits those reslutions in our entire life. This is only the time to rejenuavete ourself and the aura of our body and suroundings.We have to enlighten ourself so as to see changes in ourself and surroundings.
I have seen many people who are stereoyped and restrict to change themselves. We should be dynamic in our attitude and approach. We should develop new ideas and beliefs as per changing world environment.
Todays coomunication is so fast to reach our message with no seconds of time. In this Information technologhy one can accesss internet to get information and knowledge of the whole world. The world is becoming shorter and shorter that even we could not believe the person there at overseas is there next to us thanks for internet chatting and e mail.
In this world, I find many people orthodox and unfamiliar with this concepts. They never change their attitude and always stick to their old attitude. They are always sick in their outlook and dealings. An intelliigent man is so called when he has couraged to change his attitude and nature.
In the New Year one has to check himself of his deeds in the past and the bad deeds should not go on repeating in this year like damage caused in the relationship, dishonesty, etc. All bad habits can be slowly healed in this year. We should be humble, polite, sincere, spiritual, pious, positive, helpful in our approach.
I have been taught by my uncle that how to transform your enemy in to friends ?. The realtionship is like a mirror once it gets broken it is very difficult to get repair. The simple solution is whatever you did wrong with someone who got in turn became your enemy, simply give a broad smile whenever he come across in front of you rather than turning a face around or simply aplolgize him for your wrong doing.He will atleast forgive you rather becoming your friend and slowly you should start building relationship with him and a day will come that the wounds caused between you will get healed.
Welcome this new year by taking the new resolutions and adhere to your new resolutions to your entire life which makes your life fresh and recreating .
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