Tuesday, March 31, 2009
Wednesday, March 25, 2009
Be safe than be sorry
STAY ALERT WHEN USING/PAYING BILL BY CREDIT CARDS
HERE'S WHY........................
PLEASE , READ AND REFLECT AND FORWARD
Be sure to read Scene 3 Quite interesting.
SCENE 1. This is a new one.
People sure stay busy trying to cheat us, don't they?
A friend went to the local gym and placed his belongings in the locker.After the workout and a shower, he came out, saw the locker open, and thought to himself, 'Funny, I thought I locked the locker.
Hmm, 'He dressed and just flipped the wallet to make sure all was in order. Everything looked okay - all cards were in place.
A few weeks later his credit cardbill came - a whooping bill of $14,000! He called the credit card company and started yelling at them, saying that he did not make the transactions.
Customer care personnel verified that there was no Mistake in the systemand asked if his card had been stolen.
'No,'he said, but then took out his wallet, pulled out the credit card, and yep - you guessed it - a switch had been made.
An expired similar credit card from the same bank was in the wallet. The thief broke into his locker at the gym and switched cards.
Verdict: The creditcard issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them.
How much did he have to pay for items he did not buy?
$9,000! Why were there no calls made to verify the amount swiped? Small amounts rarely trigger a 'warning bell' with some credit card companies. It just so happens that all the small amounts added up to big one!
SCENE 2.
A man at a local restaurant paid for his meal with his credit card.
The bill for the meal came, he signed it,and the waitress folded the receiptand passed the credit card along.
Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and behold, it was the expired card of another person.
He called the waitress and she looked perplexed.
She took it back, apologized, and hurried back to the counter under the watchful eye of the man. All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier immediately looked down and took out the real card.
No exchange of words --- nothing! She took it and came back to the man with an apology. Verdict:Make sure the credit cards in your wallet are yours.
Check the name on the card every time you sign forsomething and/or the card is taken away for even a short period of time. Many people just take back the credit card without even looking at it, 'assuming' that it has to be theirs.
FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
SCENE 3:
Yesterday I went into a pizza restaurant to pick up an order that I had called in.
I paid by using my Visa Check Card which, of course, is linked directly to my checking account. The young man behind the counter took my card, swiped it, then laid it on
the counter as he waited for the approval, which is pretty standard procedure. While he waited, he picked up his cell phone and started dialing.
I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded like my phone sounds when I take a picture.He then gave me back my card but kept the phone in his hand as if he was still pressing buttons.
Meanwhile, I'm thinking: I wonder what he is taking a picture of, oblivious to what was really going on.
It then dawned on me: the only thing there was my credit card, so now I'm paying close attention to what he is doing. He set his phone on the counter, leaving it open.About five seconds later, I heard the chime that tells you that the picture has been saved.
Now I'm standing there struggling with the fact that this boy just took a picture of my credit card. Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened.
Needless to say, I immediately canceled that card as I waswalking out of the pizza parlor. All I am saying is, be aware of your surroundings at all times.Whenever you are using your credit card take caution and don't be
careless. Notice who is standing near you and what they are doing when you use your card.
Be aware of phones, because many have a camera phone these days. When you are in a restaurant and the waiter/waitress brings your card and receipt for you to sign, make sure you scratch the number off.Some restaurants are using only the last four digits, but a lot of them are still putting the whole thing on there.
I have already been a victim of credit card fraud and,believe me, it is not fun. The truth is that they can get you even when you are careful, but don't make it easy for them.
HERE'S WHY........................
PLEASE , READ AND REFLECT AND FORWARD
Be sure to read Scene 3 Quite interesting.
SCENE 1. This is a new one.
People sure stay busy trying to cheat us, don't they?
A friend went to the local gym and placed his belongings in the locker.After the workout and a shower, he came out, saw the locker open, and thought to himself, 'Funny, I thought I locked the locker.
Hmm, 'He dressed and just flipped the wallet to make sure all was in order. Everything looked okay - all cards were in place.
A few weeks later his credit cardbill came - a whooping bill of $14,000! He called the credit card company and started yelling at them, saying that he did not make the transactions.
Customer care personnel verified that there was no Mistake in the systemand asked if his card had been stolen.
'No,'he said, but then took out his wallet, pulled out the credit card, and yep - you guessed it - a switch had been made.
An expired similar credit card from the same bank was in the wallet. The thief broke into his locker at the gym and switched cards.
Verdict: The creditcard issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them.
How much did he have to pay for items he did not buy?
$9,000! Why were there no calls made to verify the amount swiped? Small amounts rarely trigger a 'warning bell' with some credit card companies. It just so happens that all the small amounts added up to big one!
SCENE 2.
A man at a local restaurant paid for his meal with his credit card.
The bill for the meal came, he signed it,and the waitress folded the receiptand passed the credit card along.
Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and behold, it was the expired card of another person.
He called the waitress and she looked perplexed.
She took it back, apologized, and hurried back to the counter under the watchful eye of the man. All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier immediately looked down and took out the real card.
No exchange of words --- nothing! She took it and came back to the man with an apology. Verdict:Make sure the credit cards in your wallet are yours.
Check the name on the card every time you sign forsomething and/or the card is taken away for even a short period of time. Many people just take back the credit card without even looking at it, 'assuming' that it has to be theirs.
FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
SCENE 3:
Yesterday I went into a pizza restaurant to pick up an order that I had called in.
I paid by using my Visa Check Card which, of course, is linked directly to my checking account. The young man behind the counter took my card, swiped it, then laid it on
the counter as he waited for the approval, which is pretty standard procedure. While he waited, he picked up his cell phone and started dialing.
I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded like my phone sounds when I take a picture.He then gave me back my card but kept the phone in his hand as if he was still pressing buttons.
Meanwhile, I'm thinking: I wonder what he is taking a picture of, oblivious to what was really going on.
It then dawned on me: the only thing there was my credit card, so now I'm paying close attention to what he is doing. He set his phone on the counter, leaving it open.About five seconds later, I heard the chime that tells you that the picture has been saved.
Now I'm standing there struggling with the fact that this boy just took a picture of my credit card. Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened.
Needless to say, I immediately canceled that card as I waswalking out of the pizza parlor. All I am saying is, be aware of your surroundings at all times.Whenever you are using your credit card take caution and don't be
careless. Notice who is standing near you and what they are doing when you use your card.
Be aware of phones, because many have a camera phone these days. When you are in a restaurant and the waiter/waitress brings your card and receipt for you to sign, make sure you scratch the number off.Some restaurants are using only the last four digits, but a lot of them are still putting the whole thing on there.
I have already been a victim of credit card fraud and,believe me, it is not fun. The truth is that they can get you even when you are careful, but don't make it easy for them.
Monday, March 23, 2009
Really a good one:Worth sharing
Here I am sitting in my office @ night... Thinking hard about life How it changed from a maverick college life to strict professional life...... How tiny pocket money changed to huge monthly paychecks but then why it gives less happiness.... How a few local denim jeans changed to new branded wardrobe but then why there are less people to use them How a single plate of samosa changed to a full Pizza or burger But then why there is less hunger..... Here i am sitting in my office @ night... Thinking hard about life How it changed..... How a bike always in reserve changed to bike always on but then why there are less places to go on...... How a small coffee shop changed to cafe coffee day but then why its feels like shop is far away..... How a limited prepaid card changed to postpaid package but then why there are less calls & more messages...... Here i am sitting in my office @ night... Thinking hard about life How it changed..... How a general class journey changed to Flight journey But then why there are less vacations for enjoyment.... How an old assembled desktop changed to new branded laptop but then why there is less time to put it on.......... How a small bunch of friends changed to office mateBut then why we always feel lonely n miss those college frnz..... Here i am sitting in my office @ night... Thinking hard about life………………….
Contributed by: Vaishal Thakore
Friday, March 20, 2009
Visit Swati Mukesh Shah's Blog
http://swatimshah.blogspot.com/
The creations on the blog are her own and I am sure members will enjoy following this blog too.
The creations on the blog are her own and I am sure members will enjoy following this blog too.
Tuesday, March 17, 2009
Forward Email Properly
An ounce of prevention is better than a pound of cure.
How to forward an email properly
Interesting information worth reading. A friend who is a computer expert received the following directly from a system administrator for a corporate system. It is an excellent message that ABSOLUTELY applies to ALL of us who send e-mails. Please read the short letter below, even if you're sure you already follow proper procedures. Do you really know how to forward e-mails? 50% do; 50% DO NOT. Do you wonder why you get viruses or junk mail? Don't you hate it?Every time you forward an e-mail there is information left over from the people who got the message before you, namely their e-mail addresses & names. As the messages get forwarded along, the list of addresses builds, and builds, and builds, and all it takes is for some poor sap to get a virus, and his or her computer can send that virus to every e-mail address that has come across his computer. Or, someone can take all of those addresses and sell them or send junk mail to them in the hopes that you will go to the site and they will make five cents for each hit. That's right, all of that inconvenience over five cents.How do you stop it? Well, there are several easy steps:(1) When you forward an e-mail, DELETE all of the other addresses that appear in the body of the message (at the top). That's right, DELETE them. Highlight them and delete them, backspace them, cut them, whatever it is you know how to do. It only takes a second. You MUST click the 'Forward' button first and then you will have full editing capabilities against the body and headers of the message. If you don't click on 'Forward' first, you won't be able to edit the message at all.(2) Whenever you send an e-mail to more than one person, do NOT use the To: or Cc: fields for adding e-mail addresses. Always use the BCC: (blind carbon copy) field for listing the e-mail addresses. This is the way the people you send to will only see their own e-mail address. If you don't see your BCC: option click on where it says To: and your address list will appear. Highlight the address and choose BCC: and that's it, it's that easy. When you send to BCC: your message will automatically say 'Undisclosed Recipients' in the 'TO:' field of the people who receive it.(3) Remove any 'FW :' in the subject line. You can re-name the subject if you wish or even fix spelling.(4) ALWAYS hit your Forward button from the actual e-mail you are reading. Ever get those e-mails that you have to open 10 pages to read the one page with the information on it? By Forwarding from the actual page you wish someone to view, you stop them from having to open many e-mails just to see what you sent.(5) Have you ever gotten an email that is a petition? It states a position and asks you to add your name and address and to forward it to 10 or 15 people or your entire address book. The email can be forwarded on and on and can collect thousands of names and email addre sses. A FACT: The completed petition is actually worth a couple of bucks to a professional spammer because of the wealth of valid names and email addresses contained therein. If you want to support the petition, send it as your own personal letter to the intended recipient. Your position may carry more weight as a personal letter than a laundry list of names and email address on a petition. (Actually, if you think about it, who's supposed to send the petition in to whatever cause it supports? And don't believe the ones that say that the email is being traced, it just ain't so!)(6) One of the main ones I hate is the ones that say that something like, 'Send this email to 10 people and you'll see something great run across your screen.' Or, sometimes they'll just tease you by saying something really cute will happen. IT AINT GONNA HAPPEN!!!!! (Trust me, I'm still seeing some of the same ones that I waited on 10 years ago!) I don't let the bad luck ones scare me either, they get trashed. (Could be why I haven't won the lottery??) Error! Filename not specified.(7) Before you forward an Amber Alert, or a Virus Alert, or some of the other ones floating around nowadays, check them out before you forward them. Most of them are junk mail that's been circling the net for YEARS! Just about everything you receive in an email that is in question can be checked out. Just go to http://www.truthorfiction.com/> or http://www.snopes.com/ < Its really easy to find out if it's real or not. If it's not, please do not pass it on. If it is true, then pass it on. Please, in the future, let's stop the junk mail and viruses being passed via forwards.Finally, here's an idea!!! Let's send this to everyone we know (please strip off any email addresses off first) And send them using the Blind Carbon Copy. This is something that SHOULD be forwarded
How to forward an email properly
Interesting information worth reading. A friend who is a computer expert received the following directly from a system administrator for a corporate system. It is an excellent message that ABSOLUTELY applies to ALL of us who send e-mails. Please read the short letter below, even if you're sure you already follow proper procedures. Do you really know how to forward e-mails? 50% do; 50% DO NOT. Do you wonder why you get viruses or junk mail? Don't you hate it?Every time you forward an e-mail there is information left over from the people who got the message before you, namely their e-mail addresses & names. As the messages get forwarded along, the list of addresses builds, and builds, and builds, and all it takes is for some poor sap to get a virus, and his or her computer can send that virus to every e-mail address that has come across his computer. Or, someone can take all of those addresses and sell them or send junk mail to them in the hopes that you will go to the site and they will make five cents for each hit. That's right, all of that inconvenience over five cents.How do you stop it? Well, there are several easy steps:(1) When you forward an e-mail, DELETE all of the other addresses that appear in the body of the message (at the top). That's right, DELETE them. Highlight them and delete them, backspace them, cut them, whatever it is you know how to do. It only takes a second. You MUST click the 'Forward' button first and then you will have full editing capabilities against the body and headers of the message. If you don't click on 'Forward' first, you won't be able to edit the message at all.(2) Whenever you send an e-mail to more than one person, do NOT use the To: or Cc: fields for adding e-mail addresses. Always use the BCC: (blind carbon copy) field for listing the e-mail addresses. This is the way the people you send to will only see their own e-mail address. If you don't see your BCC: option click on where it says To: and your address list will appear. Highlight the address and choose BCC: and that's it, it's that easy. When you send to BCC: your message will automatically say 'Undisclosed Recipients' in the 'TO:' field of the people who receive it.(3) Remove any 'FW :' in the subject line. You can re-name the subject if you wish or even fix spelling.(4) ALWAYS hit your Forward button from the actual e-mail you are reading. Ever get those e-mails that you have to open 10 pages to read the one page with the information on it? By Forwarding from the actual page you wish someone to view, you stop them from having to open many e-mails just to see what you sent.(5) Have you ever gotten an email that is a petition? It states a position and asks you to add your name and address and to forward it to 10 or 15 people or your entire address book. The email can be forwarded on and on and can collect thousands of names and email addre sses. A FACT: The completed petition is actually worth a couple of bucks to a professional spammer because of the wealth of valid names and email addresses contained therein. If you want to support the petition, send it as your own personal letter to the intended recipient. Your position may carry more weight as a personal letter than a laundry list of names and email address on a petition. (Actually, if you think about it, who's supposed to send the petition in to whatever cause it supports? And don't believe the ones that say that the email is being traced, it just ain't so!)(6) One of the main ones I hate is the ones that say that something like, 'Send this email to 10 people and you'll see something great run across your screen.' Or, sometimes they'll just tease you by saying something really cute will happen. IT AINT GONNA HAPPEN!!!!! (Trust me, I'm still seeing some of the same ones that I waited on 10 years ago!) I don't let the bad luck ones scare me either, they get trashed. (Could be why I haven't won the lottery??) Error! Filename not specified.(7) Before you forward an Amber Alert, or a Virus Alert, or some of the other ones floating around nowadays, check them out before you forward them. Most of them are junk mail that's been circling the net for YEARS! Just about everything you receive in an email that is in question can be checked out. Just go to http://www.truthorfiction.com/> or http://www.snopes.com/ < Its really easy to find out if it's real or not. If it's not, please do not pass it on. If it is true, then pass it on. Please, in the future, let's stop the junk mail and viruses being passed via forwards.Finally, here's an idea!!! Let's send this to everyone we know (please strip off any email addresses off first) And send them using the Blind Carbon Copy. This is something that SHOULD be forwarded
Monday, March 16, 2009
Wrong Email ID
A man checked into a hotel. There was a computer in his room, so he decided to send an e-mail to his wife.
However, he accidentally typed a wrong e-mail address, and without realizing his error, he sent the e-mail.
Meanwhile... .Somewhere in Houston , a widow had just returned from her husband's funeral..
The widow decided to check her e-mail, expecting condolence messages from relatives and friends.
After reading the first message, she fainted. The widow's son rushed into the room, found his mother on the floor, and saw the computer screen which read:
To: My Loving Wife
Subject: I've reached
Date: 16 Mar 2008
I know you're surprised to hear from me. They have computers here, and we
are allowed to send e-mails to loved ones.
I've just reached and have been checked in.
I see that everything has been prepared for your arrival tomorrow.
Looking forward to see you TOMORROW!
Contributed by Kalpen Shah
However, he accidentally typed a wrong e-mail address, and without realizing his error, he sent the e-mail.
Meanwhile... .Somewhere in Houston , a widow had just returned from her husband's funeral..
The widow decided to check her e-mail, expecting condolence messages from relatives and friends.
After reading the first message, she fainted. The widow's son rushed into the room, found his mother on the floor, and saw the computer screen which read:
To: My Loving Wife
Subject: I've reached
Date: 16 Mar 2008
I know you're surprised to hear from me. They have computers here, and we
are allowed to send e-mails to loved ones.
I've just reached and have been checked in.
I see that everything has been prepared for your arrival tomorrow.
Looking forward to see you TOMORROW!
Contributed by Kalpen Shah
Sunday, March 15, 2009
Warren Buffet's advise for 2009
An insight into prevailing investment environment by someone who is looked upto globally :::::::::::::::::::: Warren Buffet …………
Every new year, I adopt a couple of old maxims as my beacons to guide my future. This self-prescribed therapy has ensured that with each passing year, I grow wiser and not older.
This year, I invite you to tap into the financial wisdom of our elders along with me, and become financially wiser.
Every new year, I adopt a couple of old maxims as my beacons to guide my future. This self-prescribed therapy has ensured that with each passing year, I grow wiser and not older.
This year, I invite you to tap into the financial wisdom of our elders along with me, and become financially wiser.
Hard work : All hard work bring a profit, but mere talk leads only to poverty.
Laziness : A sleeping lobster is carried away by the water current.
Earnings : Never depend on a single source of income. (At least make your Investments get you second earning)
Spending : If you buy things you don't need, you’ll soon sell things you need.
Savings : Don’t save what is left after spending; Spend what is left after saving.
Borrowings : The borrower becomes the lender's slave.
Accounting : It’s no use carrying an umbrella, if your shoes are leaking.
Auditing : Beware of little expenses; A small leak can sink a large ship.
Risk-taking : Never test the depth of the river with both feet.
(Have an alternate plan ready )
Investment : Don't put all your eggs in one basket.
I m certain that those who have already been practicing these principles remain financially healthy. I'm equally confident that those who resolve to start practicing these principles will quickly regain their financial health.
Let us become wiser and lead a happy, healthy, prosperous and peaceful life.
Every new year, I adopt a couple of old maxims as my beacons to guide my future. This self-prescribed therapy has ensured that with each passing year, I grow wiser and not older.
This year, I invite you to tap into the financial wisdom of our elders along with me, and become financially wiser.
Every new year, I adopt a couple of old maxims as my beacons to guide my future. This self-prescribed therapy has ensured that with each passing year, I grow wiser and not older.
This year, I invite you to tap into the financial wisdom of our elders along with me, and become financially wiser.
Hard work : All hard work bring a profit, but mere talk leads only to poverty.
Laziness : A sleeping lobster is carried away by the water current.
Earnings : Never depend on a single source of income. (At least make your Investments get you second earning)
Spending : If you buy things you don't need, you’ll soon sell things you need.
Savings : Don’t save what is left after spending; Spend what is left after saving.
Borrowings : The borrower becomes the lender's slave.
Accounting : It’s no use carrying an umbrella, if your shoes are leaking.
Auditing : Beware of little expenses; A small leak can sink a large ship.
Risk-taking : Never test the depth of the river with both feet.
(Have an alternate plan ready )
Investment : Don't put all your eggs in one basket.
I m certain that those who have already been practicing these principles remain financially healthy. I'm equally confident that those who resolve to start practicing these principles will quickly regain their financial health.
Let us become wiser and lead a happy, healthy, prosperous and peaceful life.
Contributed by member: Mr.Basant Maheshwari
Thursday, March 12, 2009
Monday, March 9, 2009
Heart Attack & Cold Water
Heart Attacks and Drinking Warm Water This is a very good article. Not only about the warm water after your meal, but about Heart Attacks . The Chinese and Japanese drink hot tea with their meals, not cold water, maybe it is time we adopt their drinking habit while eating. For those who like to drink cold water, this article is applicable to you. It is nice to have a cup of cold drink after a meal. However, the cold water will solidify the oily stuff that you have just consumed. It will slow down the digestion. Once this 'sludge' reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food. It will line the intestine. Very soon, this will turn into fats and lead to cancer & arthritis . It is best to drink hot soup or warm water after a meal. Common Symptoms Of Heart Attack... A serious note about heart attacks - You should know that not every heart attack symptom is going to be the left arm hurting . Be aware of intense pain in the jaw line . You may never have the first chest pain during the course of a heart attack. Nausea and intense sweating are also common symptoms. 60% of people who have a heart attack while they are asleep do not wake up. Pain in the jaw can wake you from a sound sleep. Let's be careful and be aware. The more we know, the better chance we could survive.
Tuesday, March 3, 2009
Sunday, March 1, 2009
Its all in your mind: RECESSION
This Story is about a man who once upon a time was selling Hotdogs by the roadside. He was illiterate, so he never read newspapers. He was hard of hearing, so he never listened to the radio. His eyes were weak, so he never watched television. But enthusiastically, he sold lots of hotdogs. He was smart enough to offer some attractive schemes to increase his sales. His sales and profit went up. He ordered more a more raw material and buns and use to sale more. He recruited few more supporting staff to serve more customers. He started offering home deliveries. Eventually he got himself a bigger and better stove. As his business was growing, the son, who had recently graduated from College, joined his father. Then something strange happened. The son asked, "Dad, aren't you aware of the great recession that is coming our way?" The father replied, "No, but tell me about it." The son said, "The international situation is terrible. The domestic situation is even worse. We should be prepared for the coming bad times." The man thought that since his son had been to college, read the papers, listened to the radio and watched TV. He ought to know and his advice should not be taken lightly. So the next day onwards, the father cut down the his raw material order and buns, took down the colorful signboard, removed all the special schemes he was offering to the customers and was no longer as enthusiastic. He reduced his staff strength by giving layoffs. Very soon, fewer and fewer people bothered to stop at his hotdog stand. And his sales started coming down rapidly, same is the profit. The father said to his son, "Son, you were right". "We are in the middle of a recession and crisis. I am glad you warned me ahead of time." Moral of The Story: It's all in your MIND! And we actually FUEL this recession much more than we think.
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