tag:blogger.com,1999:blog-14738956276795448542024-03-13T20:17:14.610+05:30Chilli FlakesA blog on Internet Marketing, Blogging Strategies, Making Money Online, and Life in General.Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.comBlogger272125tag:blogger.com,1999:blog-1473895627679544854.post-67966918873986694762010-09-28T00:45:00.003+05:302010-09-28T01:03:37.348+05:30Relationship Advice Blog LaunchedA new blog on relationship advice has been launched. The blog aims to cover all the positive and negative side of life that relate to relationships. Every human being in this world is bound by tags and those tags are nothing but relationships. You are husband, brother, son, uncle and even dad at same time. Each relationship brings with itself new set of responsibilties that in way define the relation ship. Thankfully help is at hand and if you want to know the best ways handle relationships then you have come to the right place. You will get lot of information and resources related to relationship.<br /><br />Visit the <a href="http://www.therelationshipadvice.net/">Relationship Advice </a>Blog.<br />Some posts has been published which are given below.<br /><a href="http://www.therelationshipadvice.net/relationship-questions-ask-lover.html">The Top Relationship Questions To Ask Your Lover</a><br /><a href="http://www.therelationshipadvice.net/create-positive-relationships.html">How To Create Positive Relationships With Others</a><br /><a href="http://www.therelationshipadvice.net/surviving-long-distance-relationship.html">The Signs Of A Committed Relationship<br />The Biggest Signs Of Cheating In A Relationship<br />Ways To End Relationships<br />Surviving A Long Distance Relationship </a><br /><a href="http://www.therelationshipadvice.net/release-guilt-resentment.html">Release Guilt And Resentment</a><br /><a href="http://www.therelationshipadvice.net/falling-love-again.html">Falling In Love Again</a><br /><a href="http://www.therelationshipadvice.net/online-relationship-advice.html">Online Relationship Advice – Why You Need It</a><br /><br />Do visit blog and let us know your views.Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-80924654451674292742010-08-03T20:50:00.004+05:302010-08-03T21:15:30.319+05:30SBI Tells Its Home Loan Customers To Go To Hell<span style="font-size:130%;">Interesting mail form a customer whose Home Loan transfer case was delayed by 3 months and when he complained there was no one to listen to him—surprisingly not even Chairman Office. State Bank of India which claims to be the bank of today still live in primitive days where the Rule of Babu’s prevailed.<br /><br />The complainant under question was harassed for 3 months and he is subsequently been trying for last 2 months to reach Chairman Mr. O.P. Bhatt Office. End result no one except the branch against whom complaint is made is constantly harassing him. Also his papers returned after deducting much amount and without returning 2 out of 3 cheques. The cheques got misplaced as per SBI.<br /><br />The mail which I could get is a recent one and the one which is 10th to 11th mail in series that was addressed to chairman Mr. O. P.Bhatt.<br /><br />SBI, Large, mammoth Bank and see how they flex their muscles.<br /><br />Mr. O.P. Bhatt, this is real case which I am following, let’s see how much your office stand to your words related to COMMON MAN.<br /><br />Here goes the mail--------GOOD MORNING INDIA<br />(name has not been given to hide the identity. The purpose is to expose the working and high handedness of SBI)<br />-------------------------------------------------------------------------------------------------<br />Dear Chairman Sir,<br /><br />This is the first time I received call from RASMECCC, Ghaziabad, in which he told me to “<span style="color:#ff0000;"><strong>GO TO HELL</strong></span>”.<br /><br />In all these 4 months this was first call I got related to my case.<br /><br />The call started by Officer threatening me “Why I am pursuing my case now when whole thing has been closed?” I told them that no due diligence has been done and my papers have been rejected because of invalid reasons and this is why I am pursuing it.<br /><br />I gave due respect by saying Good Evening and even requesting him to hear my case out.<br /><br />The Officer was not at all interested to hear anything and instead starting telling me why he has all the powers to reject it. The Officer told me that I am not customer of SBI and SBI is in no way answerable to me. Also my complaints don’t matter to SBI and no matter what I say- No one would listen to me. I can go to any extent- to Chairman, LHO, or even RTI my case would not be taken forward.<br /><br />He told me that I am doing character assassination of his employees. To which I told him that I never brought up name of employees first and I have no enmity with them. It is he who brought up the names first. Also as per Officer, <u>complaining against the delay in my case against his branch and concerned authorities is character assassination for him</u>. He was more concerned about the complaint made and 3 months of delay, harassment faced by me was of little concern for him.<br /><br />The level of threat and yelling increased as he told me that I have no right to make a complaint especially when it has been rejected. At this point I also lost my cool and I told him that I was well aware that you have rejected my case and I never addressed my complaint to you. The mail was sent to Mr. Chairman and he was only cced on it. It is he who is interfering in my zeal to get justice.<br /><br />At this point he yelled at me and said- <span style="color:#ff0000;"><strong>You go to RBI Governor, You Go to Barrack Obama, You Go To Hell</strong></span>---and he banged his phone<br /><br />I have taken the note of threat I received today and the way it was given it was malign, life threatening, and defamatory in nature.<br /><br />I thought I was dealing with SBI (As per SBI Chairman Mr. O.P. Bhatt – a Bank for the common people) but I didn’t knew it was a Bank which tell customers to Go To Hell.<br /><br />The discomfort of AGM itself tells who is right and who is wrong.<br /><br />25% of my processing fee has been deducted from the complete amount based on incomplete and biased assessment. Also my two cheques amounting Rs. 1500 and Rs. 2000 has not been returned. The money and time spent warrants that my case should be heard in a fair manner.<br /><br />The silence of you all from Mumbai, LHO Delhi tells me that there is no one to hear my case and instead I am making my enemies in RASMECCC, Ghaziabad. My purpose was to get loan and not make enemies.<br /><br />For last 2 months I am mailing to Chairman office but no one is replying to me. Only Ghaziabad, RASMECCC is corresponding with me against whose branch the complaint has been made. I want to hear the last word from Chairman office regarding my complaint as my complaint was with the Chairman Office for taking final decision or for next steps.<br /><br />Regards,</span>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com5tag:blogger.com,1999:blog-1473895627679544854.post-12621319500509545302010-06-16T17:07:00.004+05:302010-06-16T17:27:07.697+05:30SEO Positive Ltd - One Of The Top SEO Companies In The UKWhen it comes to your blog or website only hard work wont get you far. You need smart tactics in order to rake good amount of money for you. While content has its own advantage, the big part of success of any website depends upon how effectively it works on its <a href="http://www.seopositive.com/">SEO</a> plans. No matter if you are a beginner or a professional, a need for good SEO services is always there. One of the companies that can fill the gap and make the success happen for you is SEO positive limited, which is one of the top SEO companies in the UK. It has a team of highly dedicated professional who are committed to make success happen for you.<br /><br />SEO Positive provides variety of services that includes SEO, Web Design, <a href="http://www.seopositive.com/pay-per-click.php">Pay Per Click</a>, <a href="http://www.seopositive.com/link-building.php">Link Building</a>, hosting etc. their site has also plenty of SEO tools that can give a good working idea about your blog or website. The site is one of the best companies in the UK and has many accolades under its name including the one by OPSEO’s. The company has packages which are designed keeping in mind the needs of the webmasters from various profiles. SEO positive is definitely a try and can do wonders for your blog.<br /><br />SEO also known as Search Engine Optimization is important for your blog in order to make it rank well in search engines. A little effort and investment can make the process smooth for you. While you can focus on your content, the professionals from SEO positive can take care of the SEO needs. It is best to leave the important work in hands of professionals and who else can fill this gap except the professionals from SEO positive.Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com1tag:blogger.com,1999:blog-1473895627679544854.post-68313291168722891792010-03-26T13:02:00.002+05:302010-03-26T13:58:33.232+05:30Home Loan Balance transfer Process From Axis Bank To SBI has started<span style="font-family:times new roman;font-size:130%;">I have finally started my home loan balance transfer process from Axis Bank to State Bank of India. What attracted me towards SBI is the offer they currently have in market. The rate of interest if fixed for first three years and the rate is minimal. On top of that they have option of a MaxGain account which really makes your money earn more than what it normally earns in a fixed deposit or savings account. Though there are many banks like standard chartered, Citibank , hsbc etc. that offer such feature, only difference is that on their overdraft amount they charge more percentage. Additionally rate rise is always high in private sector banks than public.<br /><br />I personally feel that Axis bank is best choice amongst all private sector banks. I do maintain another home loan from HDFC but Axis bank is way too superior. The customer service of Axis Bank is simply to amazing and it is fun having them as their home loan provider. if they are eager too increase rate they are very quick to decrease it too. But where they fail is offering something innovative like the maxgain in SBI and moderating interest rates. If I would have this product with them, the chances of me switching the account would have been minimum.<br /><br />Most banks like HDFC, ICICI etc. fail to realize that if they help their customer close their loan soon it will help them only to get new business. Their home loan rate policies and rate increases are so erratic and disturbing that it feels you have become their slave for life. On other end SBI, IDBI etc. banks, mostly public sector, normally don’t act and sound so greedy.<br /><br />You need to start somewhere in life to make more money and real estate is your best bet. On top of it truth is that it is not possible without taking a home loan. So you need to be diligent about what you buy and from whom you finance it.<br /><br />In next few posts I will share my experience on home loan and how whole process goes. Till then keep watching this space. </span>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com1tag:blogger.com,1999:blog-1473895627679544854.post-43727433907121700362010-01-20T22:10:00.003+05:302010-01-20T22:17:20.535+05:30Gaur Green Vista – Possession Has Started<div>As expected, gaursons has started giving possession of their prestigious project Gaur Green Vista. The project has turned within timelines.<br /><br />While the club has been shifted to Block B (Maharaja Floors) the gym is expected in Block C (under construction- new wing). The greenery and the swimming pool would no longer be in front because that property belonged to V3S builder. In a way you won’t find things as described when this project was initially sold. The place where tower C is coming was earlier expected to be low rise commercial complex. But now Gaur is building 13 floors. So in a way builder cheated the people related to certain critical aspect. You can never expect how greedy a builder can become, gaur was no exception.<br /><br />I visited Maharaja towers and both the entrance and tower B looked good. Though entrance was bit conjusted but it certainly felt nice.<br /><a href="http://2.bp.blogspot.com/_Xy0WJMuPyOk/S1czSGF8AtI/AAAAAAAAAYk/QPqwJ_tnnuo/s1600-h/Gaur+Green+Vista.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 400px; DISPLAY: block; HEIGHT: 300px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5428864261784601298" border="0" alt="" src="http://2.bp.blogspot.com/_Xy0WJMuPyOk/S1czSGF8AtI/AAAAAAAAAYk/QPqwJ_tnnuo/s400/Gaur+Green+Vista.jpg" /></a><br />Now related to possession- The calculation was posted in guar green vista forum and I am pasting the same. Join this group and you would have query solved.<br /><br /><a href="http://in.groups.yahoo.com/group/GaurGreenVista/">http://in.groups.yahoo.com/group/GaurGreenVista/</a><br /><br /><strong>Copied from Group-</strong><br />Apart from that - project is as expected. Saw sample flat and the finishing was good. tiles, woodwork, shower panel, water purifier etc. would be part of standard delivery. Infact everything shown in sample flat would be part of standard delivery (as told by Gaurson executive)<br /><br />Now for registration.- the calculation looks like this. (approx)<br /><br />the stamp duty would be on circle rate or flat cost whichever is higher. in mine case circle rate was high.<br /><br />so for 1254 sqft- 1254x2625=3291750<br />on this they added 150000<br />total= 3441750<br /><br />7% is registry charges= 240000 (approx)<br />rebate is 10,000 only for sole women owner. else it is not there even in dual ownership.<br /><br />the court charges are another 17,000 that would cover lawyer fees. Rs. 10100 receipt would be given……rest don’t know.<br /><br />So it would be about Rs. 262,000 for maharaja floors. Samrat would be bit high.<br /><br />As per lawyer (ref given by gaurs) it take 5 days if stamp paid in cash and 12 days if through demand draft. </div>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com8tag:blogger.com,1999:blog-1473895627679544854.post-60313986298308921692009-12-22T21:33:00.004+05:302009-12-23T09:26:54.415+05:30I Voted For Vindoo Dara SinghNever imagined Pravesh would chant the slogan of Aam AAdmi and then put all the food in the pool. Did he know that how many poeple in India did not even get one meal in a day? Clearly, the drama and the hostile atmosphere he has created is to gain mileage and votes. Last time he foughts was to get votes and as a result Raju was eliminated (the trick worked for him). But not this time.<br /><br />Vindoo is cool and is true reflection of what a Bindaas person looks like. Seeing him I can clearly see he is the best friend material. <br /><br />I am voting for vindoo. In last 2-3 days I have done many votes and will do so till the end.<br /><br />Good Luck Vindoo. I like your attitude and everyone in my family wish you to win (excepy my mom who favors PoonamJi)<br /><br />By the way, I am Aam Aadmi.<br /><br />Good Luck Vindoo.<br /><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-83028800897607692632009-08-24T14:29:00.001+05:302009-08-24T14:32:19.394+05:30The Basic Principals of Get Rich AttitudeGet Rich Attitude aims to develop an attitude which will help you become rich from any or every action that you take related to money. The right attitude comes from understanding the nitty gritties involved in making money to the way you finally spend it. Money made at every small point makes you rich and wiser. There are four principals which you should not only remember but also try hard to practice. These four principals are the channels that help you make money and get Rich<br /><br /><strong>1) Income</strong>- This is very important channel which makes you rich. More income leads to more prosperity. Investing in yourself and your career is very important. If you have a good job with good salary or a good business with impressive turnaround than the channel of income is already ON. All you need to do is to keep widening the flow and make more money.<br /><br /><strong>2) Taxes-</strong> Yes this is imposed by government but at same time government gives you a chance to save taxes though various mechanisms. An understanding of how this works and way you can save takes in every front has potential to make money for you. The money paid for taxes if saved makes you rich.For example- home loan from axis bank, hdfc, icici bank, state bank of india etc or any scheduled bank gives you opportunity to save tax and make money<br /><br /><strong>3) Spending</strong>- You pay Rs. 100 or you negotiate and pay Rs. 80 for vegetables. The approach used by you makes you rich. Controlling the way you spend or amount you spend has a potential to make you rich. Splurging if cannot be controlled should be made judiciously. You not only earn money by earning it but also by spending it. There is no harm in negotiating if that helps you save money. The way you spend money on clothes, food etc. has a lot of potential to make you rich.<br /><br /><strong>4) Interest or Return on Investment-</strong> It can be interest or returns from your investment or money parked in the bank. Interest is basically what your money earns for you. If put in proper use you money has ability to work for you. Again an important decision here is where to put your money to give you maximum returns. Many avenues are available like stocks, bonds, FFD’s etc which help you earn interest or returns on your money.<br /><br />The above four principals are basically the channels of money which helps you get rich. Most of people know about Income and interest only and completely ignore taxes and spending. It is important for everyone to make best use of all four channels in order to get rich.<br /><br />TAKEN FROM <a href="http://www.getrichattitude.com/">WWW.GETRICHATTITUDE.COM</a> . GET FREE TRADING CALLS AND LOTS OF OTHER INFORMATION.<br /><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com1tag:blogger.com,1999:blog-1473895627679544854.post-47441027447487388502009-07-10T14:59:00.004+05:302009-07-10T15:03:54.046+05:30News or Factors That Affect Stock PricesMany People has always wondered how news or different factors has an effect on stock prices. Essentially, It has two parts<br /><br /><strong>First</strong>- The type of News of Factor<br /><strong>Second</strong>- Its nature, i.e. positive or negative<br /><br />One has to be smart enough to decode the news and take the position quickly in the stock. People who are adroit in this do make good short term gains even if we leave the insiders or fund houses that generally have good information much before the release of news (I presume so).<br /><br />I was reading an article from some research paper that did a study on relationship of fund house investment and their holding in a particular stock. What they found out was most of the fund houses exit the stock much early than the release of numbers by the company.<br /><br />Considering above I think there is little opportunity but then chances are that news is there in market and fund houses are smart enough to read the signs. What individual investors look for is immediate gains but if they play right on news than chances are sooner of later one might see the results.<br /><br />As I write, I don’t see many clues about anything except that at times it does work. So if it does than why not try it through paper trade to start with.<br /><br />Below are different types of news that affect stock price. Keep your eyes and ears open and try to come out with a pattern. Who knows it might work for you. Good Luck.<br /><br /><br /><strong>1. Crude Prices<br />2. Macroeconomic Data (IIP, Inflation, GDP, Industrial Growth, Consumer confidence,<br />Employment, Unemployment etc)<br />3. Government/Politics<br />4. Draught/Monsoon<br />5. Federal Policies (Interest Rates, Monetary Policies)<br />6. Company Results<br />7. Global Cues<br />8. FII activities<br />9. Stock Manipulations<br />10. Insider Trading<br />11. Mergers<br />12. Acquisitions<br />13. Money Markets<br />14. New Orders<br />15. Buy Back<br />16. Bonus<br />17. Split<br />18. Tax Benefits<br />19. Change in stock Group<br />20. Inclusion in an Index<br />21. Loss of customer<br />22. Short and Long Positions<br />23. Spinoff of arms<br />24. Lawsuits (win or loss)<br />25. Change in Demand<br />26. Change in Supply<br />27. Budget<br />28. Raw Materials<br />29. War<br />30. Terrorist Attacks<br />31. Management Changes<br />32. Dividend<br />33. Rights Issue<br />34. Joint Ventures<br />35. Business Expansion<br />36. New Invention<br />37. Rumors<br /></strong><br />If you know more than Leave a comment. I am very much interested to build this list further.<br /><br />Visit <a href="http://www.getrichattitude.com/"><strong>GetRichAttitude</strong></a> for free Trading Calls<br /><br /><br><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-35912619384304403712009-07-04T23:48:00.004+05:302009-07-21T16:36:52.929+05:30Reliance Retail coming in Indirapuram, GhaziabadReliance Retail is coming up in Indirapuram, Ghaziabad. Call it Reliance Trends, Reliance Fresh or Relaince Shoes but soon Indirapuram would have a good big set up from Relaince Group. The location is pretty good too. Right on the highway dividing Indirapuram and Noida, it would be set up in front of Gaursons upcoming and soon to be delivered project Gaur Green Vista.<br /><br /><strong>Gaur Green Vista</strong> had already made a provision for commercial site in front of its maharaja floors. The area has already been demarcated and work is in initial stages. The location is cool because it is right across the road and pretty much accessible. You have not only one more project of gaursons (Vista Heights) coming up here but V3S and supertech icon along with Patrkar Vihar is close as close as 100 m from site. This would ensure access to about 1000 families even if you leave the traffic this would come beyond this 100 m.<br /><br />Gaur Green Vista location from the start had been in much demand. The project was total sell out in first few months and it never lost its value even in the downturn. Relaiance Retail would definately give a big boost to prices of nearby places.<br /><br /><strong>Update- The news was wrong. Reliance has bought some flats in New Block C of Gaur Green Vista and news about Relaince Retail was wrong.</strong>.<br /><br />For Smart Investor do not forget to check out <a href="http://www.getrichattitude.com/">http://www.getrichattitude.com/</a> I can assure, You wont Regret.<br /><br /><br /><br><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-28273629931194141462009-07-04T23:23:00.004+05:302009-07-04T23:39:15.303+05:30Are You Planning to Buy a House?<strong>TAKEN FROM <a href="http://www.getrichattitude.com">WWW.GETRICHATTITUDE.COM</a> . GET FREE TRADING CALLS AND LOTS OF OTHER INFORMATION. </strong><br /><br />GetRichAttitude.com considers Home / House as the very important investment one should make in one’s life. This investment can be made either to secure your future or get a high returns on your investment. However before buying house there is two important principal which you should consider in mind<br />Principal 1- Location<br />Principal 2- Location<br /> <br />Remember there is no substitute to Location. Your investment can get stuck for lifetime or you can double your investment only by virtue of its location. However this principal makes many places unaffordable and away from our budget. In that case the best plan would be to do a thorough study of places which would get developed in near future. The pointers can be construction of new highway, airports, new industries coming up etc. If you foresee something developing in near future than the place should be your ideal target. However again location plays an important part there too and one should be very cautious about it.<br /> <br />Remember your investment would multiply only in places where there is a flow of money. Highways, industries, airports, offices bring with them the prosperity and more money and you stand to gain by getting a little share of it. Even If you planning to live on your own house in same place than also it is advantageous because you would have all amenities available at your disposal.<br /> <br />Buying is House is a very costly proposition. However the main principal you should remember is that “Money attracts Money”. If you don’t invest and allow your money to work, it wont get you more money. At same time more sound your investment is; more are the chances that it brings you handsome returns.<br /> <br />To start your search visit some good sites which will give you a good idea on projects around your area. Some are<br />www.99acres.com<br />www.magicbricks.com<br /> <br />here you would get information about launches and type of builders.<br /><br />The story becomes completely different if you planning to buy a builders house (apart from location). The reputation and track record of the builders becomes very important because you don’t want your investment to get stuck in an undelivered house. While focus on builders is not under the scope of this article but two things which you should keep in mind is<br />1) The reputation of the builder is very important. Don’t go by what people or broker say but go by his track record. If builder is new or you not satisfied than don’t invest. Period.<br />2) See the quality of construction of builder. Don’t go by sample house but see from the projects already rolled out.<br />Sometimes you tend to make bad decisions when you have money in your pocket. Avoid impulsive urges because wrong decision has capability to ruin you.<br /> <br />Now you must be confused where to invest and avoid frauds. I apply two principals here<br />1) Investment in plots or houses gives by government bodies is good. HUDA, PUDA, DDA, HIMUDA, GNIDA are all government authorities and the investment made in their projects is clean<br />2) Investment made in reputed builder projects is also good. We are particularly impressed by the way DLF has reduced prices of their houses in current scenario. These builders charge a premium and it is worth considering the peace of mind which you get with it. Some issue do remains (like Park Place Project which has not yet started) but this is less compared to unknown or fly by night operators.<br />Remember an investment stuck in a house can be as fetal as a disease. So study and do more survey before you make this investment.<br /><br /><strong>TAKEN FROM <a href="http://www.getrichattitude.com">WWW.GETRICHATTITUDE.COM</a> . GET FREE TRADING CALLS AND LOTS OF OTHER INFORMATION.</strong> <br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-43325277148854993612009-05-07T18:23:00.003+05:302009-05-20T13:41:38.590+05:30Information to Start Your Career in Ethical HackingEthical hackers, also known as White Hat Hackers, are computer and network security experts who attacks a company network on behalf of it owners. There Job is to do penetration and other type of testing and seek vulnerabilities which a black hat or a person with bad intent would like to exploit. An ethical hacker need to be step ahead of other hackers and report all problems which can compromise the network security. 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The <a href="http://socialspark.com/metrics/click/post?slot_id=37432&url=http%3A%2F%2Furlbrief.com%2F98d904" rel="nofollow">IT Security</a> of the company depends upon them and they have to be alert and updated with all developments in the network and security arena.<br /><br /><br />The International Council of E-Commerce Consultants (<a href="http://socialspark.com/metrics/click/post?slot_id=37432&url=http%3A%2F%2Furlbrief.com%2F98d904" rel="nofollow">EC-Council</a>) is a member-based organization that certifies individuals in various e-business and security skills. It is the owner and developer of the world famous <a href="http://socialspark.com/metrics/click/post?slot_id=37432&url=http%3A%2F%2Furlbrief.com%2F98d904" rel="nofollow">Certified Ethical Hacker</a> course, Security Fundamentals, Ethical Hacking, Penetration Testing, Computer Forensics, Disaster Recovery, Secure Programming and various other programs which is offered in over 60 countries around the globe. All these courses are offered live and online through an instructor led IT Security Training. You can also know more about the course by registering yourself for the FREE , one day, FREE LOOK Event. This is an ideal place to start your career and excel in corporate world.<br /><br /><map name="map2697"><area href="http://socialspark.com/metrics/click/disclosure?slot_id=37432&url=http%3A%2F%2Furlbrief.com%2F98d904" shape="rect" coords="0,0,206,45" rel="nofollow" /><area href="http://socialspark.com/code_of_ethics" shape="rect" coords="207,0,225,45" rel="nofollow" /></map><img alt="Post?slot_id=37432&url=http%3a%2f%2fsocialspark" border="0" src="http://socialspark.com/metrics/view/post?slot_id=37432&url=http%3A%2F%2Fsocialspark.com%2Fimages%2Fdisclosure_badges%2Fdisclosure_badge_grey.png" style="border:0" usemap="#map2697" /><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com1tag:blogger.com,1999:blog-1473895627679544854.post-30608454245256598552009-05-07T15:30:00.002+05:302009-05-07T15:34:08.064+05:30Gaur Green Vista Indirapuram – Get benefit on Your Home LoanThe Gaursons Prestigious Project - <strong>Gaur Green Vista </strong>Indirapuram is nearing completion now. As per the company the Possession of the house would be given on 31st December 2009 which is 9th months of this financial year. While I would soon update everyone on construction status but as per my last visit the progress was much in line with the final date.<br /><br />If you have taken Home Loan for this property than it makes you eligible for claiming the tax deductions right from the start of this financial year. Yes, you can claim deductions in your salary right from the month of April and should not wait till December for Possession. Read this Article<br /><strong><a href="http://www.getrichattitude.com/home-loan-are-you-eligible-to-claim-deduction.html">Home Loan - Are You Eligible to Get Benefit<br /></a></strong><a href="http://www.getrichattitude.com/home-loan-are-you-eligible-to-claim-deduction.html">http://www.getrichattitude.com/home-loan-are-you-eligible-to-claim-deduction.html</a><br /><br />The Home Loan was distributed by various banks in this project and the prominent ones include ICICI Bank, HDFC, Axis Bank, and PNB Housing Finance.<br /><br /><strong>How much benefit you can get</strong>- Lets take Mr. X scenario as this will help you to do your calculations (all figures are approximate ones)<br /><strong>Loan amount</strong>- Rs 30 lakhs<br /><strong>Bank</strong>- Axis Bank<br /><strong>Rate</strong>- 11% (now 10%)<br /><strong>EMI</strong>- Rs. 30966 (opted for reduction in tenure than EMI- so EMI is constant)<br /><strong>Principal</strong>- Rs. 50,000/year (approx till now)<br /><strong>Interest</strong>- Rs. 320000/year (approx till now)<br /><strong>Interest paid till April 2009</strong>- Rs. 5 lakh (from October 2007 to April 2009)<br /><strong>Home Loan</strong>- In name of Mr. X and his wife Mrs. X<br /><strong>Ownership</strong>- 50% each<br /><strong>Eligibility-</strong><br />1) <strong>Self Occupied</strong>- 1 lakh in principal, 1.5 lakh in Interest plus 1/5th of total interest paid before possession for next 5 years(to both individually)<br />So in this case the total benefit (individually) would be<br />Principal- Rs. 25000<br />Interest- Rs. 160000 + Rs. 50,000 (1/5th of Interest paid in previous financial year)<br />- Rs. 210000<br />But the maximum interest that can be claimed individually is Rs. 150000.<br />Note- If you in same city than either you have to let go your HRA benefit or show your property as rented.<br />So in self occupied both Mr. X and his wife stands to gain Rs. 8600 approx. together each month or Rs. 4300 individually. This is 36% of their EMI.<br /><strong>2) Rented</strong>- If you show your property for rent in this year than Mr. X stands to gain a lot this year as whole of interest (minus 70% of rent) would be deductible. However from next year the benefit would be less than that of self occupied.<br />There are many scenarios that related to self-occupied or rented. In case you need any help than you can post your comment at below post.<br /><a href="http://www.getrichattitude.com/home-loan-are-you-eligible-to-claim-deduction.html"><strong>Home Loan - Are You Eligible to Get Benefit</strong> </a><br /><a href="http://www.getrichattitude.com/home-loan-are-you-eligible-to-claim-deduction.html">http://www.getrichattitude.com/home-loan-are-you-eligible-to-claim-deduction.html</a><br /><br />I am sure author will help you.Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com3tag:blogger.com,1999:blog-1473895627679544854.post-71817124094092647902009-05-07T14:29:00.000+05:302009-05-07T14:31:07.281+05:30Your Security Is In Your Own HandsWe always think that nothing bad can happen to us. We hear stories and believe that we are insured against everything bad that can happen to others. But this is not true. I experienced this myself when I was away from my home for a business trip and someone broke into my house. My neighbors informed me and Police the next morning and I had to rush back leaving many things in-between. It was a very traumatic experience because I had lost almost everything from jewellary, clothes, furniture, electronic gadgets, and even kitchen utensils. Following up with Insurance Company, Police and helping on with investigations took another three months of my career. In the end I had lost too much than what I had procured in last 3 years of my career.<br /><br />I got the lesson of my life. I have realized it completely that the protection of my home is in my own hands. A security system from an established company would have saved me from the agony and pain. I immediately opted for a <a href="http://socialspark.com/metrics/click/post?slot_id=37429&url=http%3A%2F%2Fwww.protectamerica.com%2Fa01960" rel="nofollow">wireless security system</a>. The Platinum Package from Protect America was my natural choice. The package comprises features that include talking control panels, 20 entry points, internal siren, one button arming among other state of art benefits. They also have a toll free number 877-470-2751 for their customers to provide immediate assistance. Moreover since I placed my order through Toll Free number, I got 2 keychain remotes free with my order.<br />Remember, Your security is in your own hands. A right step at right time can save you from lot of problems in future.<br /><br /><map name="map2761"><area href="http://socialspark.com/metrics/click/disclosure?slot_id=37429&url=http%3A%2F%2Fwww.protectamerica.com" shape="rect" coords="0,0,206,45" rel="nofollow" /><area href="http://socialspark.com/code_of_ethics" shape="rect" coords="207,0,225,45" rel="nofollow" /></map><img alt="Post?slot_id=37429&url=http%3a%2f%2fsocialspark" border="0" src="http://socialspark.com/metrics/view/post?slot_id=37429&url=http%3A%2F%2Fsocialspark.com%2Fimages%2Fdisclosure_badges%2Fdisclosure_badge_grey.png" style="border:0" usemap="#map2761" /><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-13719067511155635802009-05-05T20:21:00.000+05:302009-05-05T20:23:00.491+05:30Don’t Get Swayed by Self Styled AnalystsRising markets are back again and so are self styled analysts who have come out from hibernation to mint money again. You can see them everywhere in both online and offline media. I was surprised that a magazine who was till yesterday talking about negative sentiments is now talking about how next bull run has started. While it is easy for some to comprehend the current situation there are some gullible investors who get trapped. Nothing has ever destroyed the investment if the people than the stock markets all over the world. Despite of this even a small positive sign in stock market attracts lot of people and they flow in herds to invest their hard earned money.<br /><br />While it does not surprise me but what concern me is another phase when innocent people would get cheated. Well the one who needs to be blamed for such situation is the people only and not the one who cheat other people. Markets everyone knows is full of risks but still people fail to understand that. While everything till now was negative, yesterday I got Money Today which has carried a column where they highlighted people who have made money in this small bull run. The article served no other purpose than a bait and is making people feel bad about themselves. End result, they would now go and invest in market and then would lose a shirt in small correction. They fail to understand that the publication has to come out with something every month and it is them who have to take informed decision.<br /><br />My advice, stop reading anything which makes you feel bad about yourself. Just calculate the amount of money you have to take risk and invest that portion only in stock market. It is not at all bad if stock market is rising and you ave not invested even a single Penny…….why???? because this helps you to keep the Job. Yes even if I don’t earn a single penny from market, I am happy that markets are rising because I am able to maintain my job and get regular promotions and pay increases. So, I am Happy.<br />Apart from this do read on excellent article on How to Get Rich <a title="Permanent Link to The Basic Principals of Get Rich Attitude" href="http://www.getrichattitude.com/the-basic-principals-of-get-rich-attitude.html">The Basic Principals of Get Rich Attitude </a><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-75857656029055039892009-05-05T10:49:00.003+05:302009-05-05T10:56:22.956+05:30Join BeeWellMiles.com for Breast Cancer Network of StrengthI recently gained a lot of weight due to unhealthy lifestyle. Earlier I used to watch what I eat. But due to long working hours and nature of my Job I could not take much care of my diet and developed some bad habits like smoking. It has affected my stamina and I have started to put more weight. I tried a lot to exercise in office but all my efforts went for a naught. I started climbing 300 stairs everyday during office hours in order to remain healthy but due to severe pain in my knee caps I could not continue with it. Finally I have thought to develop a habit of walking 2 miles every morning in order to catch up with my health. <br /><br /><a href="http://2.bp.blogspot.com/_Xy0WJMuPyOk/Sf_M3RMr9DI/AAAAAAAAAYY/9uZ1_SNpyTs/s1600-h/BWM_Wallpaper.jpg"><img id="BLOGGER_PHOTO_ID_5332205733711442994" style="DISPLAY: block; MARGIN: 0px auto 10px; WIDTH: 400px; CURSOR: hand; HEIGHT: 320px; TEXT-ALIGN: center" alt="" src="http://2.bp.blogspot.com/_Xy0WJMuPyOk/Sf_M3RMr9DI/AAAAAAAAAYY/9uZ1_SNpyTs/s400/BWM_Wallpaper.jpg" border="0" /></a><br /><br />While I work on my plan, I have decided to keep myself motivated by joining <a href="http://socialspark.com/metrics/click/post?slot_id=37121&url=http%3A%2F%2Fwww.beewellmiles.com%2F%3Futm_source%3Dsocialspark%26utm_medium%3Dsocialspark%252Bblog%2520posts%26utm_campaign%3DBWM2" rel="nofollow">BeeWell Miles </a>. BeeWellMiles.com contains lot of resources which include interacting with healthy living experts, logging your miles and keeping a watch on calories that I would burn. I can share my walking route with others and can even understand the caloric value of my meals. It also gives me an opportunity to interact with other guests and share ideas and tips on getting healthy. Moreover, From 4/1/09-10/31/09, Bumble Bee Foods will donate $0.15/mile for every mile logged at BeeWellMiles.com (up to $200,000) to help Breast Cancer Network of Strength provide emotional support to those who can't wait for tomorrow's cure. Every mile I walk would help me support a cause and provide better care to people suffering from Breast cancer. There is also an added incentive for all people, where each day you log miles or enter the game code from the pink Bumble Bee cans, you can instantly win one of the $15,000 prizes.<br /><br /><map name="map2741"><area href="http://socialspark.com/metrics/click/disclosure?slot_id=37121&url=http%3A%2F%2Fwww.beewellmiles.com%2F%3Futm_source%3Dsocialspark%26utm_medium%3Dsocialspark%252Bblog%2520posts%26utm_campaign%3DBWM2" shape="rect" coords="0,0,206,45" rel="nofollow" /><area href="http://socialspark.com/code_of_ethics" shape="rect" coords="207,0,225,45" rel="nofollow" /></map><img alt="Post?slot_id=37121&url=http%3a%2f%2fsocialspark" border="0" src="http://socialspark.com/metrics/view/post?slot_id=37121&url=http%3A%2F%2Fsocialspark.com%2Fimages%2Fdisclosure_badges%2Fdisclosure_badge_grey.png" style="border:0" usemap="#map2741" /><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-53749988170721748722009-05-05T00:48:00.000+05:302009-05-05T00:48:17.493+05:30LG India Cheating its CustomersHow you would comprehend 3 Free Services Offer. Certainly you would think that each free service can be availed in consecutive three summer seasons. Afterall you need a service only once before the start of the summer season. SO when LG India claims 3 free services don’t get very excited. All they mean is that you need to avail all the 3 free services within one year.<br /><br />I just remember the way LG 2 ton split AC was pitched to me along with the promise of 3 free services. Like all other consumers I also didn’t bothered to read behind the lines. End result, The Company has made a fool out of me like they might be making of other customers. This also shows that they are not confident that their product would behave normal after one year of sale.<br />While we never faced any problem with our windows AC’s but the 2 ton split AC has taken out all the excitement. It all started when an AC bought in May/June last year was not working fine this season. We started to book our compliant in LG service centre but as promised we never not got any sms or call. My father than followed up and after around 20+ phone calls managed to get hold of someone at supervisor level. A service engineer was sent to our home and he told us that all gas has been leaked out.<br />Since I lost my bill (my folder was stolen) I asked him to get the purchase date form their records. But they were not ready to do that. The service engineer only told me that 3 services are available only in first year and after that you are on your own. According to them they would now log a complaint to other department and it is on them whether they would consider it in free period or not. Even with serial number they are not ready to give us the date of sale.<br />Now after getting fooled by one of the biggest brand name in India “LG India” we are waiting for the next batch of service engineers to come. One day has already passed with no response. We have been told that it will cost us between Rs. 2000-3000 for the complete process or even more. They were almost sure that since we lost our bill, there is no way anyone can help us.<br /><br />Also an additional observation- The guy who installed our AC was from <strong>LG India</strong>. He seemed to be a novice and took 9 hours to install one unit. We were pretty sure that he will do some damage and seems that he has done his work. Now no one from LG India would listen to us and all their promises of excellent service has proved to be another market gimmick. Their marketing teams devise royal ways to fool customers and end result is what has been happening to us.<br /><br /><strong>Apart from this do read on excellent article on How to Get Rich </strong><a title="Permanent Link to The Basic Principals of Get Rich Attitude" href="http://www.getrichattitude.com/the-basic-principals-of-get-rich-attitude.html"><strong>The Basic Principals of Get Rich Attitude</strong> </a><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-61415975251339161892009-05-02T14:00:00.001+05:302009-05-02T14:02:46.560+05:30HDFC Bank using Customer Retention StrategiesWith bad economy, HDFC Bank has come out with well tailored customer retention strategies. Though not known to be as aggressive as ICICI Bank, HDFC Bank has now started to focus more on existing customers. This is done more in order to prevent existing customers from switching accounts. Last morning I got a call from a lady who told me that she has been assigned to my account based on the balance I maintain. So for my account<br />1) All charges has been waived off<br />2) Services like locker, de-mat etc would now be charged at 50%. Would let me know in case it can be waived off completely<br />3) The charges on my debit card have been taken off.<br />4) Gave her number to contact regarding any service<br />This happened not only for my high balance account but all 4 accounts which my wife, brother and father maintain. I was particularly moved by the way they waived off all charges and converted my account to a classic account. While they have little relationship with HDFC but they were much ready to discuss the home loan stuff and wanted to help on that front too.<br />I see this more as a welcome move at the time when finance markets has to get down to the basics i.e. look after their existing customers. I am sure others would now follow suit and ultimate beneficiary would be the customer.<br />Everyone must recall how last year people shifter tomes of money from private banks to public one’s like SBI. Though too late, these banks have started to reposnse.<br />Apart from this do read on excellent article on How to Get Rich <a title="Permanent Link to The Basic Principals of Get Rich Attitude" href="http://www.getrichattitude.com/the-basic-principals-of-get-rich-attitude.html">The Basic Principals of Get Rich Attitude </a><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com2tag:blogger.com,1999:blog-1473895627679544854.post-43113877685945249672009-04-15T16:03:00.001+05:302009-04-15T16:25:25.247+05:30Charter Communications HDTV-a-day Sweepstakes!!!!<img alt="-1" src="http://socialspark.com/uploads/socialspark/public/assets/658/-1.jpg" /><br /><br /><br /><br /><strong>What is HDTV?</strong><br />High definition television is the highest form of digital television. It has a 16:9 aspect ratio, which is the same as a movie theater screen.<br /><br /><strong>Who can participate in the Contest?</strong><br />The contest is open to both new and upgrading customers. To be eligible a customer has to order services at Charter.com and they stand a chance to win a 22” flat screen HDTV every day throughout April. The contest is part of easy to use website, www.charter.com, which is used very efficiently by all current customers to bundle their Cable, High Speed, or Telephone services.<br /><br /><strong>More about the Contest</strong><br /><a href="http://socialspark.com/metrics/click/post?slot_id=35836&url=http%3A%2F%2Fconnect.charter.com%2Fhdtvaday%2F+" rel="nofollow">Charter</a> is also offering an opportunity to win a grand prize package that includes a 52” LCD flat screen HDTV, a Home Theater System, and one year of free Charter Digital Cable® service with HD programming.<br /><br /><strong>More about Charter Communications</strong><br />Charter Communications has won many accolades till date due to its excellent services. It has been one of the favorite vendors in an online circle and they even use twitter to offer customer service. They have been known to create Buzz through series of online contests. Last year it gave away laptops and Xbox 360 game systems and one customer drove away a 2009 Honda Civic Hybrid.<br /><br /><map name="map2594"><area href="http://socialspark.com/metrics/click/disclosure?slot_id=35836&url=http%3A%2F%2Fconnect.charter.com%2Fhdtvaday%2F+" shape="rect" coords="0,0,206,45" rel="nofollow" /><area href="http://socialspark.com/code_of_ethics" shape="rect" coords="207,0,225,45" rel="nofollow" /></map><img alt="Post?slot_id=35836&url=http%3a%2f%2fsocialspark" border="0" src="http://socialspark.com/metrics/view/post?slot_id=35836&url=http%3A%2F%2Fsocialspark.com%2Fimages%2Fdisclosure_badges%2Fdisclosure_badge_grey.png" style="border:0" usemap="#map2594" /><br /><br /><br /><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-44889003873311295152009-04-12T20:23:00.001+05:302009-04-15T16:03:30.838+05:30Satyam to Close its Gurgaon CenterThe repercussions of scam have started to show off. The company has lost many of its top customers which include the like of Statefarm, Cigna etc. Though companies like SAP have decided to stay with company but situation is not very bright. One thing which has happened good in this situation is the management of the affairs by the Government. This has at least secured the Job of many employees who might have been chucked out of company because of various reasons. <br /><br />Many employees have already left the company because of their good experience but there are many who are finding it difficult to cope in this environment. There is a hope that new management would normalize the environment and bring company back on track. Also people are confident enough that Government might put some clause which would make it difficult for new management to chuck out people.<br /><br />While Microsoft Group has already been shifted out of Gurgaon centre there are rumors that the office would be closed soon. Company is providing alternative to their employee to either shift to Bangalore or Hyderabad center. Almost all of the employees have decided to relocate to new office and resume their work there.<br /><br /><br /><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-79729762128513700162009-03-28T10:08:00.002+05:302009-03-28T10:14:51.318+05:30Expect More Rate Cuts SoonGovernment has really come down on Banks especially Private Sector banks for not passing the benefit of rate cut to the customer. While rate has been reduced by 4% by the government, the public sector banks reduced the rates by 2%-2.5% and the private sector banks reduced by around 1.5%. Most of Banks has hiked the rate by large extent last year and then reduced it marginally which has not made much difference in the credit flow.<br /><br /><br />Government is very serious and wants to remove clogs from the credit freeze lines. According to them the economy would soon go into bad shape until and unless banks reduce the rate. On the other hand with release of inflation data banks hope that government would reduce more rates. This has become a situation where government is looking at banks and banks at government related to reduction in rates. While the government at present is concentrating on elections there is definitely a bit of lack in incentive at their end. On other side senior government bureaucrats are still on the job and want banks to reduce the rate soon. While not much action is expected soon but formation of stable government would definitely be good sign. <br /><br /><br />The economy situation would not improve soon and banks need to reduce the rates. Discussions are ON at the Private Banks also related to reduction in rates. According to sources private banks are willing to reduce the rates but then there is a host of factors that they need to look before taking any action. The factors can be further reduction in rate by government or a collaborative movement where each banks reduce the rate together. The important thing is that some banks are indeed serious and can take the first step anytime soon. With this there would not be much option with other banks than to fall in line and reduce the rate. Expect this soon and at maximum few months after elections. Everyone is looking at other and this jinx will break soon.<br /><br />Visit <a href="http://www.mysticmadness.com">www.mysticmadness.com</a> A Finance and Personal Developement Blog<br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com3tag:blogger.com,1999:blog-1473895627679544854.post-20049623120748885532009-03-26T23:24:00.001+05:302009-03-26T23:28:10.410+05:30MagNext Virtual – The Next RevolutionI love playing games online. They are a great way to release the stress and have some fun. One of the great sites for playing games online is <a href="http://socialspark.com/metrics/click/post?slot_id=34076&url=http%3A%2F%2Fwww.megabrands.com%2Fredirect.php%3Flink%3D3514" rel="nofollow">MagNext </a> virtual from MEGA Brands. The concept is different and the graphics are just amazing. Most of the online games are the version of toys available through the stores which include iCoaster, Soheron and many others.<br /><br /><br /><a href="http://2.bp.blogspot.com/_Xy0WJMuPyOk/ScvCB8xpGsI/AAAAAAAAAW4/sa25sGM8mP4/s1600-h/meg.png"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 242px;" src="http://2.bp.blogspot.com/_Xy0WJMuPyOk/ScvCB8xpGsI/AAAAAAAAAW4/sa25sGM8mP4/s400/meg.png" border="0" alt=""id="BLOGGER_PHOTO_ID_5317557123791002306" /></a><br /><br /><br />Adventure starts the moment you log into their system. Your avatar is a magnext ball which you can paint or design through interactive interface. There is a map available in the mini world which will help you navigate through the arena. You can either play solo games or can join other player in an online face to face competition. Of all the games available iCoaster is one of the amazing stress busters available. In iCoaster you have to put the tracks for your ball to roll along. Success depends upon the number of levels you can cross and time which you can save at each level. You earn Magz at each level which can be used to buy things for the Magnext ball. My favorite accessory is electron action that makes little electric circles spin around the ball for few seconds.<br /><br />In case of multiplayer games you can play the game with other members. You need to challenge the members to play against you. You can also chat with other members and make them your friends through a very interactive system available. You get rewarded for every such action in the form of more Magz. This is a pure fun and excellent way to spend your time. An excellent stress buster and something I recommend to all my readers.<br /><br /><map name="map2357"><area href="http://socialspark.com/metrics/click/disclosure?slot_id=34076&url=http%3A%2F%2Fwww.megabrands.com%2Fredirect.php%3Flink%3D3514" shape="rect" coords="0,0,206,45" rel="nofollow" /><area href="http://socialspark.com/code_of_ethics" shape="rect" coords="207,0,225,45" rel="nofollow" /></map><img alt="Post?slot_id=34076&url=http%3a%2f%2fsocialspark" border="0" src="http://socialspark.com/metrics/view/post?slot_id=34076&url=http%3A%2F%2Fsocialspark.com%2Fimages%2Fdisclosure_badges%2Fdisclosure_badge_grey.png" style="border:0" usemap="#map2357" /><br /><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-72189579721156057192009-03-26T20:31:00.002+05:302009-03-26T20:34:49.879+05:30Is the Economy Turning AroundNo one knows and this is still a mystery. A lot is being talked in media and predictions are being made by almost every analyst. After painful last few months almost everyone is hoping that good days would be back soon. The data on housing is good for the month of February in US and that has offered some hope. Apart from that the voices are being made by many literary people who think that currently markets are making the bottom.<br /><br />On personal front nothing has changed much except that marketing pitches related to credit cards and loans have started again. In last few weeks I have received lot of calls from sales people willing to sell their cards and offer host of waivers. A credit line freezed by one of the financial company has been opened again and they called up requesting to take the loan. The loan processing which was taking much time in last few months is now taking less time. Series of measures has been taken by financial institutions in all these months with fear that they should not get caught again in the whirlwind. The effort by government would take shape soon and one can hope of better days again.<br /><br /><br />The people who have lost jobs have started to find the work again. Two of my friends who were laid off have got the break again. This period has literally stirred the souls of many people and has made them wise too. While some have realized to live life fully others are still hoping to get the break again.<br /><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0tag:blogger.com,1999:blog-1473895627679544854.post-69496188886004071462009-03-26T02:22:00.007+05:302009-04-14T20:39:55.678+05:30Sears is offering 75-80% OFF Fall & Winter ApparelSears is offering 75-80% OFF ORIGINAL PRICES ON FALL & WINTER APPAREL from now till April 18th. This is a great opportunity to get quality clothing at great prices. A sale offering 75-80% off of everything is unheard of and something one should definitely check out. <a href="http://socialspark.com/metrics/click/post?slot_id=34776&url=http%3A%2F%2Fad.doubleclick.net%2Fclk%3B213101163%3B34484494%3Bx" rel="nofollow">Sears</a> sale items extend to not only women’s apparel, but also apparel for men and children. As a matter of fact there are clearance items for the entire family. In this economy, this sale is an absolute steal<a href="http://ad.doubleclick.net/jump/N2465.SocialSpark/B3522250.4;sz=1x1"><img src="http://ad.doubleclick.net/ad/N2465.SocialSpark/B3522250.4;sz=1x1" border="0" width="1" height="1" alt="Click Here"></a>. <br /><br /><a href="http://1.bp.blogspot.com/_Xy0WJMuPyOk/Scqa3-UxpPI/AAAAAAAAAWw/lPHXR6Ta0bU/s1600-h/sears.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 243px;" src="http://1.bp.blogspot.com/_Xy0WJMuPyOk/Scqa3-UxpPI/AAAAAAAAAWw/lPHXR6Ta0bU/s400/sears.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5317232596477912306" /></a><br /><br />Due to hectic schedule I was not purchase a Jacket this winter. I started my search at Sears website by signing up for email which gave me $10 worth of discount coupon. After about 2 to 3 searches I decided to pick faux-suede bomber jacket mainly because of its rugged look. See the screen shot above. I am sure you would like it too. At 80% off I could not have asked for more. When fall or winter comes they will not be discounted at these prices and hence it is a wise decision to stock them up now. The prices are so low that it is impossible to get this deal ever again. So, if you are looking for a good quality and trusted brands, this is the place to go. Grab this opportunity before it is too late.<br /><br /><map name="map2510"><area href="http://socialspark.com/metrics/click/disclosure?slot_id=34776&url=http%3A%2F%2Fad.doubleclick.net%2Fclk%3B213101163%3B34484494%3Bx" shape="rect" coords="0,0,206,45" rel="nofollow" /><area href="http://socialspark.com/code_of_ethics" shape="rect" coords="207,0,225,45" rel="nofollow" /></map><img alt="Post?slot_id=34776&url=http%3a%2f%2fsocialspark" border="0" src="http://socialspark.com/metrics/view/post?slot_id=34776&url=http%3A%2F%2Fsocialspark.com%2Fimages%2Fdisclosure_badges%2Fdisclosure_badge_grey.png" style="border:0" usemap="#map2510" /><br /><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com1tag:blogger.com,1999:blog-1473895627679544854.post-73623240791414869562009-03-25T15:20:00.008+05:302009-04-25T17:34:56.337+05:30Comparison of Home Loan India- Axis Bank Home Loan Scores Big Over HDFC Home Loan - A ComparisonComparison of Home Loan India- HDFC has finally reduced the rate as was also predicted in <a href="http://www.mysticmadness.com/hdfc-may-reduce-plr-by-05-in-april.html" rel="bookmark">HDFC may reduce PLR by 0.5% in April</a>.<br /><br />Through a series of posts like<br /><a href="http://niftynseoptions.blogspot.com/2009/03/is-hdfc-cheating-its-customers-by-not.html">HDFC cheating its customers by not passing the benefit of low interest rates</a><br /><a href="http://niftynseoptions.blogspot.com/2009/02/hdfc-has-increased-pre-payment-penalty.html">HDFC Home Loan - Prepayment Penalty increased from 2% to 3%</a> (This appeared in this Blog much earlier than regualr media)<br /><br />I have tried to voice my opinion on home loan given by HDFC. Also when I took loan from Axis Bank I was so much harassed by their process that I had written a big post on their procedure and mechanism. <a href="http://niftynseoptions.blogspot.com/2007/10/axis-bank-uti-bank-home-loan-hidden.html">Axis Bank- UTI Bank- Home Loan- Hidden Charges and Frauds</a><br /><br />Almost an year and half down the line, I can categorically say that Axis Bank has scored big over HDFC Home Loan on many parameters. The main are<br />1) Loan procedure- Bad in Axis Bank as it gets handled by their DSA’s. Good in HDFC as they have their own workforce. When you go to construction site you get to meet the DSA’s of Axis Bank and not their workforce.<br />2) Customer Service- Very Good in Axis bank. They have replied to all my emails and have sent me requested documents in short period. In HDFC my emails have never been answered and documents have never been mailed when requested through email. Even queries posted in their portal are still unanswered. More humiliating was when their Noida Branch head requested one of the person to travel 50 odd kms to their branch in order to get reversal of Rs. 64/- wrongly charged in his account.<br />3) Pre Payment Charges- Nil in Axis bank. Yes even if you transfer loan to other bank it is nil. HDFC has recently raised these charges to 3% for transfer to other bank. <a href="http://niftynseoptions.blogspot.com/2009/02/hdfc-has-increased-pre-payment-penalty.html">HDFC Home Loan - Prepayment Penalty increased from 2% to 3%</a><br />4) Rate change for new and old customers- There is no concept of new and old in Axis Bank. They change the rate equally for all customers. My rate was from 11% to 10% in 2008. It was again raised to 11% but has been decreased again in line with what they offer to new customer. HDFC on other hand charge different rate not only to new and old customers but also there is difference between old customers too. While I was being charged 11% one of my friends was charged 11.5% during same duration on quarterly basis.<br />5) Rate reset- This is on monthly basis in Axis bank while it is quarterly basis in HDFC. While this does not make difference but when rate gets low you tend to get the benefit immediately.<br />6) Portal access – Available in HDFC and not in Axis bank.<br /><br />As of today I feel more comfortable with Axis bank than HDFC. HDFC has big reputation but its action does not reflect its stature at all. Public Sector Bank like SBI are giving them hard competition.<br /><br />The above are my own personal views. Since the service varies from person to person based on their history this post in no way claim any recommendation to buy and ignore any of the service. The readers are requested to consult their advisors or take informed decision based on their understanding and experience. I am for now happier with AXIS Bank and thought to give it thumbs up through my post.<br /><br />Please leave your comments to help me continue post on such issues.<br /><br />Visit <a href="http://www.mysticmadness.com">www.mysticmadness.com</a> A Personal Finance and Personality Development Blog.<br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com76tag:blogger.com,1999:blog-1473895627679544854.post-31886583501237714592009-03-20T16:18:00.002+05:302009-03-20T16:20:40.772+05:30Amazing Phenomenon- Dolphins Blowing BubblesYou have to see it to believe it. Dolphins are actually blowing the bubbles in the water and then playing with those bubbles. Their elegant move is complemented by the joyful acts especially when they whisk past the bubbles. You must be lucky if you have seen this phenomenon in the brand new video that just aired on ABC’s World News with Charles Gibson. If not, you need not worry because you can check out www.DolphinBubbles.com to witness the experience of <a href="http://socialspark.com/metrics/click/post?slot_id=34500&url=http%3A%2F%2Fwww.dolphinbubbles.com" rel="nofollow">dolphin bubbles</a> yourself.<br /><br /><br /><object width="480" height="295"><param name="movie" value="http://www.youtube.com/v/wuVgXJ55G6Y&hl=en&fs=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/wuVgXJ55G6Y&hl=en&fs=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="295"></embed></object><br /><br /><br />Dolphins are very elegant, graceful and intelligent creatures. There are many aquariums in the world which gives you an opportunity to play with the Dolphins but my favorite is SeaWorld in Orlando. It gives you an opportunity to be closer to nature. It has a team of professionals who makes your experience truly memorable. The more I read about it, the more I am attracted to visit this place again. This is on the must do list for our upcoming trip. Most important is that the kids would love the experience to see the Dolphins perform in front of their eyes. This is the best gift which parents can give to their children and I am happy to be one of them. <br /><br /><map name="map2498"><area href="http://socialspark.com/metrics/click/disclosure?slot_id=34500&url=http%3A%2F%2Fwww.dolphinbubbles.com" shape="rect" coords="0,0,206,45" rel="nofollow" /><area href="http://socialspark.com/code_of_ethics" shape="rect" coords="207,0,225,45" rel="nofollow" /></map><img alt="Post?slot_id=34500&url=http%3a%2f%2fsocialspark" border="0" src="http://socialspark.com/metrics/view/post?slot_id=34500&url=http%3A%2F%2Fsocialspark.com%2Fimages%2Fdisclosure_badges%2Fdisclosure_badge_grey.png" style="border:0" usemap="#map2498" /><br /><br><br /><br /><br>Chilli Flakeshttp://www.blogger.com/profile/13451801033139580224noreply@blogger.com0