Indian Credit Cards Review 2011

The Indian credit card market is red hot at the moment. With the market predicted to grow at 25% until 2012, and just 25 million adults having credit cards (out of a billion population) every single bank on the planet wants a piece of the pie. The consumers in India enjoy a huge number of choices of cards. Sides, the banks and the consumers see a lot of problem between each other. India does not yet have a unique nationalized id like social security number in US, or Tax File Number in Australia for all of their citizens. The problem for the banks with this is that there is a huge risk to give out these credit cards that can never be traced if the holder changes his or her address. The consumer on the other hand complains about exorbitant hidden fees, fines and non-existent customer service. There are still not a lot of regulations for the credit card industry. Any one on the road is given a credit card (even by non-bank employees who work as sale sub-vendors to banks) with out any proper checks or verification (a la US sub-prime mortgages). Well but India is one market that any bank cannot ignore, so as time goes by proper regulations will be put in place to get things in order. The idea of this article is to give a list of credit cards out there for the consumers in India and their features.

The growth potential for Indian credit card industry.

The article reviews card of the top banks operating in India like Citibank, HSBC, Barclays, ICICI, HDFC and a few others.

Availability of Information and ease of use of the bank websites

The information in this article is directly from the banks websites (as of 14th May 2009).

Here are some comments about the website itself.

HSBC
The HSBC site was very easy to use and had the information like interest rates and fees easily accessible. They were just a 3-4 clicks away. The entire website was laid out in simple direct format with nice little examples. They had a 7 page “Terms and Conditions” page hidden behind a small font link. There were some unpredictable links to some important pages that worked on and off.

Make sure you read the terms and conditions

Citibank
The Citibank website was a little sluggish and little more complicated. Getting the interest rate information required 5 or more clicks. The website’s credit card looked more like a marketing flyer rather than information brochure. The website was trying to make you special while all you needed was the interest rate on a card. Links to some important pages when clicked took for ever to show up. All the rates and fees for every single card were listed on the same page.

Looked more like marketing flyer than information site.

More than 5 clicks to get to the rates and fees.

ICICI
This site was easy to use and had the information like interest rates and fees easily accessible. They were just a 3-4 clicks away and were organized on the same page for all Credit cards offered. The site offers you a usage guide, even though the idea was right the execution was all wrong. Take a look at this, the title says “How to read the Monthly Credit Card Statement” but has nothing other than a screen shot of mock statement and a few 2 liners. They have explained the obvious and not described complex items. There are so many numbers on the screen and it’s hard to tell what is what.

No proper details on the User Guide

HDFC
This site was having quiet a bit of information on its site. The key information like interest rates and fees were accessible in 3-4 clicks. The website had detailed, separate fees and rates section for each card. They had a FAQ and Credit Card Usage Guide section. FAQ had 6 question and answers but the Usage Guide did have a lot of information on there. It explained by text alone (no screen shots) the terms in the statement.

Barclays
Have to give it to them they had the shiniest site among all, but couldn’t find the rates and fee even after fiddling around the site for sometime. The information on the website looked more like marketing flyer rather than plain simple information. The terms and conditions were listed in a malformed PDF file that had to be downloaded. The rates and fees information could not be found any where on the site.

Terms and conditions as PDF file, that was so awkwardly sized, with tiny fonts.

Kotak
This one website there is nothing to complain about. The website is created beautifully and all the required information is carefully organized. Information related to rates, fees, benefits, FAQ and examples illustrating scenarios are built around the credit card. Finally found a website that satisfies all the criteria.

Kotak has a well designed, organized,website. Simplicity seems to be the objective of the site.

Explains in simple terms how you save.

Enough on the websites, now for the credit cards themselves.
Basic Credit Card Guidelines

1. Having too much plastic is not good for your financial health. As much as you can try to avoid having too many credit cards.
2. Carefully monitor all the credit cards you have through online banking (Paper statements are a pain).
3. Register for SMS or email alerts if your bank offers them.
4. Try to avoid taking cash advance they charge you very high interest for cash advances. If need some money, try to apply for a personal loan that are offered at a much lower rate.
5. Always pay off the minimum balance for every statement cycle.
6. Try to pay off more, even if it a very small amount you would save a lot of money in the end.
7. Try to get add-on cards for family members rather than having separate cards, so it is easier to monitor your credit cards.

Info: Recommended credit card below are for low credit spending individuals, who do not tend to spend too much using credit cards and follow the above guidelines.
The conditions for recommending these credit cards are a combination of the rules below,

1. Low Interest Rates - Your card might have any amount of sugar coated features but this is what counts the most.
2. Low Fees or No Fees - Some banks might give you a low interest rate but for a high annual fee, so watch out.
3. Benefits - Anything else does not matter than the above two (1&2), but if you get added benefits why not? But you should never pay higher fees or interest rate for the benefits. The benefits might be cash back, fuel surcharge, air miles, shopping discount,...

DEUTSCHE BANK SMART GOLD CREDIT CARD

Best Features
Fees: No fees forever
Interest Rate: 2.95%
Fuel Surchage: Waived in any fuel outlet
Other Benefits: Choose from 4 options Shopping - For shoppers,Travel - Frequent Flyers,Party - For consumers frequenting restaurants, bars, pubs, Theatres,Home-Utility Bills Groceries,
Free Security Insurance - Protection against unauthorised transaction and fraud

Deutsche Bank Smart Gold Credit Card - One of the most balanced card

SBI GOLD CREDIT CARD

Best Features
Fees: No fees forever
Interest Rate: 3.1%
Fuel Surchage: Waived in any fuel outlet
Other Benefits: Cash Back 2% on all purchases,Balance Transfer-Low Interest options available

SBI SILVER CREDIT CARD

Best Features
Fees: No fees forever
Interest Rate: 3.1%
Fuel Surchage: Waived in any fuel outlet
Other Benefits:Cash Back 2% on all purchases, Balance Transfer-options available

BOBCARD EXCLUSIVE YOUTH CREDIT CARD

Best Features
Fees: Joining Fee of Rs 750/-, No renewal Fee for next year
Interest Rate: 1.99%
Fuel Surchage: Waived in any fuel outlet
Other Benefits: Personal accident insurance free, Medical Emergency withdrawal allowed

There are several variation of this card, also take a look at them for best choice.

BOBCARD EXCLUSIVE WOMEN CREDIT CARD

Best Features
Fees: Joining Fee of Rs 750/-, No renewal Fee for next year
Interest Rate: 1.99%
Fuel Surchage: Waived in any fuel outlet
Other Benefits: Personal accident insurance free
Con: Only for women.

This is only for women, but there are several variation of this card, also take a look at them for best choice.

BARCLAYS BANK SMART BUDGET CREDIT CARD

Best Features
Fees: No fees forever
Interest Rate: 2.95%
Fuel Surcharge: Waived in all outlets
Other Benefits: Free Cash Advance for a limited time,
0% Balance Transfer, consolidate transaction over Rs 5000 and pay them as EMI
Cons: Available only in metros and for businessmen.

Barclays - Balanced card

KOTAK MAHINDRA FORTUNE CREDIT CARD

Best Features
Fees: No fees forever
Interest Rate: 3.1%
Fuel Surcharge: Waived in all outlets
Other Benefits: Interest free cash withdrawal for 48 days (flat fee 149 for 10000 applies),
Railway surcharge 1.8% waiver for online or in person ticket booking,
Discounts in select flights and hotels,
Consolidate transaction over Rs 5000 and pay them as EMI-no fee no interest for 3 months,
No fee transaction on any VISA ATMs.
Cons: Available only in metros and for business.

KOTAK MAHINDRA TRUMP CREDIT CARD

Best Features
Fees: No fees forever
Interest Rate: 3.1%
Fuel Surcharge: Waived in all outlets
Other Benefits: Interest free cash withdrawal for 48 days (flat fee 149 for 10000 applies),
Railway surcharge 1.8% waiver for online or in person ticket booking,
Discounts in select flights and hotels,
Consolidate transaction over Rs 5000 and pay them as EMI-no fee no interest for 3 months,
No fee transaction on any VISA ATMs.
Cons: Available only in metros and for businessmen.

Two well balanced cards from Kotak Mahindra Bank.

BOBCARD VISA/MASTERCARD CREDIT CARD

Best Features
Fees: No Joining Fee, Renewal Fee of Rs1000/-
Interest Rate: 1.99%
Fuel Surchage: Waived in any fuel outlet
Other Benefits: Personal accident insurance free

NEXTGEN BOBCARD GOLD CREDIT CARD

Best Features
Fees: No fee forever
Interest Rate: 2.5%
Fuel Surchage: Waived in any fuel outlet
Con: Only for students.

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Marketing Models in Internet Marketing

The concept of Internet marketing began in the nineties. As technology developed, more consumers began using the Internet for entertainment and research. Businesses adapted to this trend and began advertising their products and services online. Internet advertising boomed with the growth of major search engines including Google, Yahoo, and MSN. People of all demographic groups use the Internet, and companies can easily access a variety of vertical markets.
Internet marketing is growing in leaps and bounds, and advertising strategies are developing. Strategies include search engine marketing (SEM), affiliate marketing, email marketing, display advertisement, social media optimization, online public relations, mobile analysis, viral marketing, web analytics, and interactive advertising.

Search Engine Marketing

This tool optimizes your online marketing by helping you promote your products and services. When people use search engines, they type particular keywords. Companies work with these keywords to make sure that their products are prominent in a user's search result. They market themselves by identifying key words. Search engine marketing can use paid search methods, local search methods, and product search methods.

Affiliate Marketing

Affiliate marketing is a web-based technique that utilizes a network of companies or websites. Businesses and websites will market other businesses and websites. This marketing practice rewards affiliates. Affiliate programs compensate relationships in three ways: Cost per Sale (CPS), Cost per Click (CPC), and Cost per Action (CPA).

Display Advertising

Banner ads are display advertisements that are targeted towards a page viewer. Banners are strategically placed where people will see them. You can design and display advertisements yourself, or you can hire a professional. Banners can help your company achieve instant results.

Email Marketing

Email marketing is simple and effective. Businesses can use email marketing to maintain contact with existing clients and to seek out new customers. Emails can be generated quickly to a wide variety of demographics. Companies can send targeted emails based on shopping history, geographic location, and personal information. Sometimes, people prefer to receive emails over other forms of communication. In any case, email marketing comes with drawbacks. Excessive and unnecessary emails are referred to as spam and can be problematic to users and businesses. Because of spam, some email inboxes are set to automatically sort and delete emails from online marketing campaigns. People do not always read email advertisements and will delete them instantly.

Social Media Optimization

Social media optimization (SMO) is a term that refers to a combination of different techniques that are used to promote a business or company. This type of marketing focuses on social networking tools like Facebook, MySpace, or Twitter. Social network sites provide access to a wide variety of people with different backgrounds and interests. People from all over the world join these sites to maintain contact with their friends. SMO matches advertisements with social media users. For example, you can pay to target college students, parents, men, or women.

Interactive Advertising

Interactive advertising describes both online and offline tools that businesses use to recruit potential clients. Offline methods include direct sales calls, interactive television, interactive kiosks, and mobile devices. Email marketing, keyword optimization, blogging, and social networking are some of the online techniques that are used for interactive advertising. You can also choose to use other online methods like video advertising and animations.

Online Public Relations

Public relations help businesses gain exposure and credibility. Businesses employ strategies to connect with the public and ensure that people know what is going on. Companies can present their activities strategically to promote themselves. Online techniques include press releases, article marketing, email marketing, blogs, and syndication.

Viral Marketing

With viral marketing, companies use word-of-mouth and popular social networks to spread awareness of a product. These can be photos, videos, songs, or text messages that capture a viewer's interest or attention. In general, viral marketing techniques will capitalize upon something catchy. These could be parodies of songs, movies, or celebrities. Viral marketing can help a company increase its product or service sales.

Mobile Advertising

Mobile advertising makes use of text messaging. The advantage of this method is that people are likely to read their text messages. A growing number of people have internet-enabled phones and can click directly to a company's website. Mobile advertising is becoming increasingly cost effective.

Ad Serving

Ad serving allows you to be more strategic in how you display your advertisements. This technology allows you to determine what ads make the most money, and you can monitor how all of your advertisements perform. You can use ad serving technology to come up with an effective advertising plans and to increase your efficiency. You can save money by being precise.

Web Analytics

Web analytics include statistical and demographic reports for websites. You can collect data about the number of people visiting your site as well as their personal information. Through web analytics, you can customize your website to expand your markets and to meet the needs of your client base.

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New Introduced Road Sweeping Machine

एमसीडी की 900 किमी सड़कों की सफाई मिकैनिकल स्वीपर से होगी। 60 फुट से ज्यादा चौड़ी मुख्य सड़कों के लिए 32 मशीनें सड़कों पर उतारी गई हैं।

इसका उद्घाटन बीजेपी के प्रदेश अध्यक्ष विजेंद्र गुप्ता ने गुरुवार को पूसा रोड, करोल बाग में किया। मौके पर मेयर रजनी अब्बी भी मौजूद थीं।

गुप्ता ने बताया कि इन मशीनों से शहर को साफ-सुथरा रखने में मदद मिलेगी। ये मशीनें सुबह होने से पहले ही सड़कों की सफाई कर देंगी। रजनी अब्बी ने बताया कि ये मशीनें सभी 12 जोनों में काम करेंगी। फायदा होने पर और मशीनें खरीदी जाएंगी।

सदन के नेता सुभाष आर्य ने बताया कि मिकैनिकल स्वीपर की खासियत है कि इसमें सफाई के साथ पानी का छिड़काव होता रहता है जिससे धूल नहीं उडे़गी। स्थायी समिति के अध्यक्ष योगेंद्र चंदोलिया ने बताया कि साउथ, नजफगढ़, करोलबाग, पश्चिमी, रोहिणी और नरेला जोन में छह मशीनों को लगाया जाएगा, जहां सड़कों की चौड़ाई 100 फुट से ज्यादा है। इस तरह कुल 132.81 कि.मी. सड़कों की सफाई मशीनों से होगी। छह मशीनों को सेंट्रल, सिटी, सदर पहाड़गंज, शाहदरा (दक्षिणी), शाहदरा (उत्तरी) क्षेत्रों में लगाया जाएगा, जहां सड़कों की चौड़ाई 100 फुट से अधिक है। इसके तहत करीब 113.40 कि.मी. लंबी सड़कें कवर होंगी।

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Water Walk In Delhi Now

स्विमिंग नहीं आती लेकिन पानी में रहना पसंद है तो वॉटर वॉक से अच्छा कुछ नहीं। इसमें आप पानी में चल सकते हैं , बैठ सकते हैं और ना तो गीले होने की फिक्र ना डूबने का डर। दिल्ली टूरिज्म ने वर्ल्ड टूरिजम डे के मौके पर पुराना किला और भलस्वा लेक में वॉटर वॉक की शुरुआत की है। दिल्ली - एनसीआर में अब तक यह मजा कहीं नहीं था , पहली बार दिल्ली वाले अपने ही शहर में इसका मजा ले सकेंगे। इसकी फीस 15 मिनट के लिए 100 रुपये रखी गई है।

वॉटर वॉक का मजा लेने के लिए पहले आपको बड़े से ट्रांस्पैरेंट बलून ( वॉटर वॉकिंग बॉल ) में बैठाया जाएगा , फिर इसे पंप से हवा देकर फुलाएंगे। जैसे - जैसे यह फूलने लगेगा आपको बलून के अंदर खड़े होना होगा। जब बलून फूल जाएगा , तो आप वॉटर वॉक के लिए तैयार हैं। हालांकि , इसमें बैलेंस बनाना इतना आसान भी नहीं है। जैसे ही आप बलून के अंदर पहला कदम बढ़ाएंगे तो डगमगाने लगेंगे। बलून आगे बढ़ेगा और आप भी। लेकिन बलून के अंदर गिरने का भी अपना ही मजा है। आप पानी के ऊपर हैं जो चाहे कर सकते हैं। चाहे पानी के ऊपर बैठ जाएं , घुटनों के बल चलें या फिर खड़े होकर। बलून में एक रस्सी बंधी होती है जब आपको वापस आना हो तो हाथ से इशारा कर दें , किनारे खड़े गाइड रस्सी से खींचकर आपको वापस ले आएंगे। बलून के अंदर कोई शॉर्प चीज पहनकर नहीं जा सकते।

दिल्ली टूरिज्म ने मंगलवार को इसकी शुरूआत की। इसे देखने काफी संख्या में लोग भी जुट गए। कई ने वॉक भी की लेकिन ज्यादातर बलून के अंदर बैठकर ही पानी में मस्ती करते दिखे। बलून के अंदर बैलेंस गड़बड़ाने से बलून के अंदर बैठे शख्स को जितना मजा आ रहा था , उतना ही मजा बाहर से देखने वाले भी उठा रहे थे। दिल्ली टूरिजम के पीआर मैनेजर सुधीर सोबती ने कहा कि इससे टूरिस्टों भी आकर्षित होंगे और दिल्ली वालों के लिए तो यह नया अनुभव है ही। उन्होंने बताया कि कि हम सभी झीलों में सुविधाएं बढ़ाने की योजना बना रहे हैं , जल्द ही हम नए वॉटर स्पोर्ट्स भी शुरू करेंगे।

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So Far So Good - Organizations accepting donations for Typhoon PEDRING survivors

At least eight of the 17 regions of the Philippines were hit by Typhoon PEDRING (international codename: Nesat), displacing thousands of Filipinos because of the heavy rains and ensuing floods. As it leaves the country, we'll find out the full extent of the damages it caused and its corresponding health consequences. (PAGASA image above shows TY PEDRING moving through Luzon island and out to the West Philippine Sea, as of 10pm 27Sept.)

Scouring the Internet, here are some of the organizations who are now accepting donations for Typhoon PEDRING survivors. Kindly visit their respective websites and Facebook accounts and follow their Twitter accounts for updates as regards mechanisms for donation such as what items they need, where to drop off your donations, SMS or online donation systems, etc

List as of 10pm, September 27:

Simbahang Lingkod ng Bayan (SLB), an Ateneo De Manila University-based NGO involved in disaster response
Website: http://www.slb.ph
Facebook: http://www.facebook.com/katotoo
Twitter: twitter.com/manindigan
Landline: 426-6101 loc. 3440/3441
Telefax: 426-5968
Mobile: 0949-7337049 or 0906-348047
Email: slb@admu.edu.ph
Contact person: Mykey Cuento
* UPDATE 9/29/2011: SLB has launched their Task Force Noah: PEDRING appeal for typhoon survivors: More details can be found >>here<<

* UPDATE 10pm 9/27/2011: Kindly visit SLB's http://e-ugnay.slb.ph/ website to know the exact areas where help is needed, the items being requested, and the field coordinator to work with in these areas.

* As of their 12nn 9/27/2011email, ready to eat food, water, and clothing are being collectedat the Loyola Schools Covered Courts, Ateneo de Manila University, Loyola Heights, Quezon City.

* SLB is also accepting donations via BPI bank deposits

Gawad Kalinga (GK)
Website: http://www.gk1world.com
Facebook: https://www.facebook.com/gawadkalinga
Twitter: twitter.com/GawadKalingaHQ
Mobile: (+63917) 523 9777
Email: info@gk1world.com

* GK is mobilizing for Quezon City, BASECO, Pangasinan, and Nueva Ecija, among other areas

Philippine Red Cross (PRC)
Website: http://www.redcross.org.ph/
Facebook: https://www.facebook.com/phredcross
Twitter: twitter.com/philredcross
Email: fundgeneration@redcross.org.ph / prc@redcross.org.ph
Hotline: 143 and (+632) 527.0000

* Accepts donations via SMS or text messaging

I will try to update this list should other organizations also announce their donation mechanisms.

Every little bit helps =]

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Café Coffee Day offer for Vodafone Customers

Vodafone has brought Exciting offers for their Customers only, where you need to send a SMS from your mobile and you will receive a M-coupon which you need to show at the CCD outlet or respective Merchants outlet and redeem the offer.Currently there are three Vodafone offers related to Cafe Coffee Day
1. Free CCD Cool Blue on a bill of Rs 150 and above

• To Avail this offer SMS ‘DELIGHT CCD BLU’ to 56789

2. Free CCD Tropical Ice Berg on a bill of Rs 130 and above

• To Avail this offer SMS ‘DELIGHT CCD ICE’ to 56789

3. Free CCD Latte on a bill of Rs 100 and above

• To Avail this offer SMS ‘DELIGHT CCD LAT’ to 56789

Currently there are many offers which are exclusively available for vodafone customers, which you can find on Vodafone India Site under the Vodafone Delights Section.

Offer validity: 30th September 2011

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My Saving Strategies - Religare GOLD

I take a common sense approach to spending where I try to divide my needs and desires.
Now lets play a game and see how frugal you are compared to me:

Compare your answers with mine:

1. Do you NEED to go the theatres to watch the latest blockbuster? Or can you wait until it comes out on DVD to rent?

    I enjoy the cinemas but I have disciplined myself to only go once every few months (or longer). I rent movies most of the time.

2. Do you NEED to go out for supper at a fancy restaurant? Or can you cook your supper at home?

    I go out to eat on special occasions [more often if someone else is paying ;)], however, most of the time I just cook at home. Cooking at home is cheaper (usually healthier too) than eating out at any restaurant, even Mc Donalds.

There you have it. That’s just a few examples on how I can save on my monthly bills.
Now saved money can be used to buy GOLD coin which is safe investment these days.

I am planning to buy myself 2 gold coins in coming Dhanteras.

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Dandia Masti 2011

Sep 30 2011 To Oct 06 2011

7:00 pm, Event occurs daily (Event duration:  3:00 hrs)

Dilli Haat, Pitampura

Near TV Tower and Netaji Subhash Metro station
Delhi (NCR)

EVENT INFORMATION

• Pricing Details
• 250/ per head per day
• Contact Phone
• 9990756476

Dandiya is one of the most awaited dance festivals in India, and is the most popular form of Raas. Traditionally a festival celebrated with gusto in Gujarat, it has now gained popularity across the rest of the country. Delhi is a city where Dandiya is very popular "NOW"
We along with Sahakar supported by Delhi Gujarati Samaj have been organizing the biggest Dandiya Celebrations in Delhi since 2006. Sahakar has been organizing Dandiya in Delhi for over 12 Years. The Event has traveled from Ansal Plaza to Garden of Five Senses to Raja Garden to DLF Promenade
An Ethnic ambience is given to the entire venue with designer props, soft lighting, traditional artifacts etc.
Every day there will be a "MAHA Aarti" and performanve by Gujarati Folk Music Band.

List of Performers:
Tihai - a Gujarati folk-music band for all days
Harbhajan Mann - Indi Pop Artist
Bhavika Parihar - Indi Pop artist Mumbai
Jasbir Jassi - Indi Pop Artist
Shreyasi, Hemant, Pratiksha - Zee TV Little Champs
Ashok Mastie - Indi pop artist
Shankar Sawhney - Indi pop artist
Bhuppi - Indi Pop Artist

Artists:
The Indi pop Artists of similar genre from Delhi & Mumbai shall be Invited for the performance in Dandiya Masti 2011

Along with Gujarati Food & Artisans, this evet is organised at the easy accessible best Location, which is the entertainment hub of Delhi, with very high "natural" footfalls, Adequate parking and Phenomenal Visibility

Other attractions
A special colorful Festive ambience shall be created.
Traditional dresses, accessories, crafts would be available on sale.
Dandiya sticks would be available for purchase
Daily participative AARATI shall be performed where everyone present shall be given lighted diyas
Special Artist performances
Special Jewelery as gifts for different genres, everyday.

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Success is a journey, not a destination

Success is the progressive realization of a worthy goal. 

Earl Nightingale

Let's look at these definitions carefully.

"Progressive" means that success is a journey, not a destination. We never arrive. After we reach one goal, we go on to the next and the next and the next.

"Realization" means it is an experience. Outside forces cannot make me feel successful. I have to feel it within myself. It is internal not external.

"Worthy" refers to our value system. Which way are we heading? Positive or negative? Worthiness determines the quality of the journey. That is what gives meaning and fulfillment. Success without fulfillment is empty. Why?

"Goals" are important. Because they give us a sense of direction. Success does not mean being accepted by everyone.

There are some groups I would not want to be accepted by, out of choice. I would rather be criticized by fools than appreciated by unsavory characters. I define success as a manifestation of good luck that results from inspiration, aspiration, desperation and perspiration; generally in that sequence. Success and happiness go hand in hand.

Success is getting what you want and happiness is wanting what you get!

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Dell Offers Best Deals, Discount, EMI - Dell Inspiron 14R Laptop in Delhi!!

Inspiron R Laptops Start at Rs.30,600/-... All Dell Laptops & Desktops are now avaliable with a 6 month EMI Option at no extra cost with Citibank & ICICI Credit Cards in Delhi. Conditions Apply*

For more details check out  http://dell.co.in/



Offer Period : 26/9/2011- 30/9/2011

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Start Investing in Stock Market

Investor should begin investing irrespective of what happens in the near-term. There is huge value across the board, be it largecaps and midcaps in the market. However, investor should not take too much of leverage positions. It is a very difficult market for the traders.

When investors turn into traders, they get disappointed with the markets. The key is to buy into the right kind of stocks and just hold on. Over the next one year, the returns would be very strong.

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Beauty lies in the smallest of things.

As seen through child's eyes. Whenever I pass by a busy road, my 7 year old cousin Kanha
manages to see something which will never catch an adult's eye.

While I am too busy honking, stressing, fretting and fuming at the chaos which
surrounds us, he looks outside the window and says, 'see there's a kite and its hurt',
referring to one hanging on a wire shredded into pieces.
And I realise of course, the kite's had a story.

Simple, pure and fun.
What a lesson to be learnt. Wow! My storytelling is improving.
And I give credit to Kanha for it. He is teaching me more things than I can
ever teach him. And he definitely makes a better teacher than me.
Way better. Because innocence is his biggest tool.

Sadly, that is one tool I lost several years back.
When I left the realms of childhood to step into a corrupted outside world,
I left my mother's lap to fall prey to the vices of materialism and stopped
living to earn a living.

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Personalize Your Deals with GROUPON

Personalization on Groupon is mostly about removing the most egregiously offensive deals while continuing to provide your daily dose of serendipity. This also allows us to feature more businesses than before. You will start to see more deals in your email and on the homepage over time, which gives you exposure to even more new businesses.

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Free Discounted Gift Coupons Site

 http://www.snapdeal.com/

http://www.fashionandyou.com/

http://www.mydala.com/

http://khojguru.com

http://www.sosasta.com/

http://www.dealsandyou.com/

http://www.gaindaily.com/

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Universal Truth about Boys............lolz!!

Now i truly admit, Google is very very very smart.........

 

 

 

keep spreading the awareness.............   hahahaha...........

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Snap Deal Wall on FACEBOOK

 

Today Snapdeal WALL is all yours.
Now it's time for you to do the talking (we mean, the posting).

Post anything that screams, talks and sings Snapdeal; i.e reminds you of Snapdeal and tell us why.
... The best entries (photos/videos) win SD Cash.

Things to be kept in mind -
1. This is open only till 10:00 am, 21st Sept, 2011.
2. The judges decision will be final.

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Stock Markets - Intraday tips free for 20 sept 2011

BUY: ACC-FUT/CASH@1057.SL=1051.TGT:1065-1074.
Buy Bharti Airtel b/w 385-387 for tgt of 392-396 exit if close below 383.
Buy Jindal Steel CMP 545.35 SL 538 Tgt 557
Buy Sintex CMP 146.15 SL 143 Tgt 151

 
Get FREE INTRADAY TIPS, stock tips for today and for tomorrow also 21 Sept 2011…. for more such tips in Indian Stock Market join TATA Capital and
for further details  keep visiting here 

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Pay Cash on Delivery for Int flight @ Make My Trip

Cash On Delivery lets you purchase tickets and other services from MakeMyTrip, wherein instead of paying online (by Credit/Debit Card or Netbanking) you can pay in Cash at the time of delivery of the tickets/vouchers. Tickets/Vouchers for all Cash On Delivery purchases are delivered at the customer’s address within 2-5 days (depending of the type of service availed) of the order in a hard copy/ printed form. The payment has to be made in cash to the courier agent at the time of delivery.

Here is the link

http://www.makemytrip.com/promotion/includes/CashonDelivery_promo_22032011.php?gclid=CPr0rrvAq6sCFcTD7QodbBKD8g&cmp=domesticflights%27gsl%27Book-International-Flights-Pay-COD%27B_M_Brand_Related&ef_id=E4xOI9ZaUAQAAAxx:20110920092440:s

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Rs.100 recharge in Rs.60 via Great Deals

So  here comes a New Daily Deals site yet again.

This time the site has an exciting offer to make us join it

If you are a Prepaid user and want to get Some discounted Talktime , this offer is for you.

Recharge your Mobile for rs.100 in just Rs.60

Remember , its not for MNP numbers and Airtel Numbers

For more info , checkout : http:/deals.via.com

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kAUN bANEGA cROREPATI

This reality series is the king of all i must say.
For ordinary people it really says -

"LIfe is a game - you win sometime, you loose sometime.
BUT Don`t loose hope is the moral of he story"

AND No one can host it better than Legend Amitabh Bachchan.
so inspiring.. so motivation & so down to earth..

Each and every person whether it is a viewer, player, contestant or anybody
associated with this show is getting something or the other.

Now m also thinking about my viewers that they should gain something from my blog
So from tomorrow onwards i will be posting some good sites links where
you can get some free gifts or discounts or anything worth checking out.

Hope you can benefit and save your money out of it.
As they say money saved is Money Earned..

And one day you too might become CROROREPATI

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100 Years Completed by Delhi in 2011

Century completed by Delhi this year and I know it has changed its shape and transformed completely into the world class city.
Being Capital of India, this metro got an edge above all.

Delhi walks on DMRC & CNG Public Transport
People come to see Akshardhaam from far off places.
Big events happen here like Common Wealth Games and International Trade Fair.
Clean and Green make it a better place to live in.

In short - I am proud to be associated and born and brought up in meri Dilli.

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Swaraj Book By Arvind Kejriwal

Finally this book is out and I am definitely going to read it.
Here is the cover page of most awaited excerpts from Arvind Kejriwal.

Go Get it
Hurry Up

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RAP Star - Our Big B

Amitabh Bachchan became RAP Star for cricketer Vijay Nazaare (not Hazare!), singer Bijoy Lahiri (not Bappi!) and actor Vijay Kumar (not Akshay!).
in the new promos of Kaun Banega Crorepati 2, on Star Plus.

The three characters portray the hopes and aspirations of the masses.
Anchor Amitabh Bachchan entered their lives to extend a special invitation – to be in the hotseat.

The promo has been directed by Rajesh Krishnan and conceptualised by Piyush Pandey and his O&M team.
I liked this song so much and find it so motivating so positive which I would like to share with you all here


CRICKETER:
Vijay Nazaare
Rap track: Cricketer Vijay Nazaare

Yeh hai Mr Vijay Nazaare
Cricket ki duniya ke ubharte sitare
Life mein kabhi na maara chauka
Waited for a loose ball, par milla na mauka
Inke liye rahi, no position khaali
Maidan main bhi aaye
Toh with drinks trolley
Pavilion main baith ke dekhi har paari
Nazaare ne kabhi par himmat na haari
One day while doing jhadoo pochha
Coach ne pucha, "Kabhi umpire banne ka socha!"
Bas umpire banke, unhone andhi machayee
Har appeal ke pehle apni ungli uthayi
Aaj bhi hai pakde yeh umeed ki dori
Don't lose hope is the moral of the story
Jisne seekha inse, life mein kabhi bhi na jhukna
Hot seat pe milega, bhaiyya umeed se dugna

ACTOR: Vijay Kumar
Rap track: Actor Vijay Kumar

Yeh hai Mr Vijay Kumar
Bachpan se hai inhe acting ka bukhaar
Na hero baney, na he yeh baney villain
Kaamyabi se hua na inka milan
Studio ke canteen mein jawani bitayee
Doosron ki chai main biscuit doobai
Filmi duniya ne unhe yaad deelaaye naani
Par Vijay Kumar ne haar na maani
Ek din kaamyabi se hua milaap
Actor: Bhaisaab aap ka batuva
Bachchan: Vaise karte kya hoon?
Actor: Filmoo mein…
Kisi badi film mein bane, heroine ke baap
Acting ki dekho chal padi dukaan
Finally kismat ne bhari udaan
Aaj bhi hai pakde yeh umeed ki dori
Don't lose hope is the moral of the story
Jisne seekha inse, life mein kabhi bhi na jhukna
Hot seat pe milega, bhaiyya umeed se dugna

SINGER:
Bijoy Lahiri
Rap track: Singer Bijoy Lahiri

Bijoy Lahiri ko music mein itna pyaar aaya
Ki woh seedha jaake Phd certificate laaye
Praata, jab woh chhedhte woh sangeet ke taar
Aise lagta jaise gir gayee sarkar
Aur jab jab woh chath pe riyaaz karne jate
Musicians ke lag bhag bure din aaye
Bijoy da jaise Sa…
Phir ek din jab hui gayakon ki hartal
Ek phone aaya
Aur ek musician bola
Hi…. kya aap banenge lead singer
In my film The Cool Guy
Aur jab jab hui gayakon ki hartal
Bijoy da ki kala ne kiya kamaal
Aaj bhi hai pakde yeh umeed ki dori
Don't lose hope is the moral of the story
Jisne seekha inse, life mein kabhi bhi na jhukna
Hot seat pe milega, bhaiyya umeed se dugna 

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Awww.. m growing old...!!

Birthday is the day on which you realize that all of a sudden you expect something.. you want something.. and you dreamt of hell lot of things from your life. On the same time you got to know that so less time left to accomplish goals set years ago.

Its true that life is like a river and we have to float as per the flow but if this journey with myself of life has no direction then there will be no destination and we will be like "Distance travelled unlimited but final Displacement Zero" as we will reach nowhere.

So from my wish list i picked up small little cute gift and presented myself a new look on my birthday.
Got my hair smoothing done finally. (Rebonded)

Cheers
Happy Birthday to me ;-)

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Speak Asia Online (SAOL) - A BIG CONTROVERSY

Please allow me to place before you the story from the affected 20 lakhs panelists’ view point.

* February/March 2010 Speakasiaonline Pte. Ltd. (SAOL) a company registered in Singapore starts its operation in India.Basically  Speak Asia registration in SingaporeWith Number of 200618809D

* Speak Asia Online Line  (SAOL) starts their operation as a Paid Surveys  Provider company, in its first or its launch phase, and its tag line was “We Value your Opinion”. As When People Joined and Answers the Surveys they get Paid .

* Because of the unique idea combined with aggressive field support from the company, SAOL grew at a phenomenon speed and in short time of less than a year SAOL panel size grew to a whopping 20 lakh panelists.

* The huge size of the SAOL family along with a pan India presence spread over every demographic
possible made it the biggest provider of survey panels on the international panel exchanges.

* All the panelists have always been paid promptly and regularly by the company till the
12th May, 2011, But on 11th May A news Channel Named "Star News" show a news Star News Exposes Speak Asia and and Some of the Politicians such as Kirit Somaya as Letter by Dr. Kirit Somaiya Against Speak Asia on 18 May 2011 .On 16th We ( SAOL ) arrange speak asia press conference  where all our Speak Asia Management Including Mr. Manoj Kumar CEO , Tarak Bajpai ( COO ) , Narayanan Rajagopalan , Mr. Vivek Gautam ( Chief Marketing Officer ) , Sanjeev Mehta ( Country Head Sales ) and Sanjeev Dwived. In This Press Conference Mr . Narayanan Rajagopalan Speak Asia  Explained About Paid Surveys and try to Understand the Speak Asia Business Model But after that the bank accounts were closed by the company bankers
M/s United Overseas Bank, Singapore, on 27th May, 2011 probably due to the cautionary circular
sent out by the RBI vide circular No. DBS.CO.PPD No.16237/11.01.005/2010-11 dated 23rd May, 2011.

* SAOL has been approaching the RBI and various other appropriate agencies to seek permission for
establishing their permanent establishment  and for restarting the operations and restarting the payments to their panelists (us).

* An Individual not connected to SAOL filed a criminal PIL in the Mumbai high court against the Government of Maharashtra, seeking directions to the police to set up a suitable mechanism to avoid any sort of internet fraud to safeguard gullible small time investors.

* The Hon. High Court presided by her ladyship Justice Ranjana Desai was pleased to instruct the EOW to file their affidavit on the mechanism in place to safeguard the investors. She had made some observations which were prime facie observations not in any way pointing to the SAOL.

* The EOW erred in their interpretation of the Hon. Ladyship and started investigating SAOL with a vengeance. The investigation arises out of a FIR filed by one Mr. Khosla, who has been a panelist of the company and has been regularly getting paid by the company till the bank accounts were closed in May, 2011.

* Some FIRs have been filed by few aggrieved panelists all over the country. It is not the case of any complainant that they have not received payments before the bank account was unfortunately closed down.

* SAOL is on record and are committed to restart the payments as soon as the banking channels are restored.

* This sudden stoppage of operations and stoppage of payments of SAOL has adversely affected us the 20 lakh Indians who are the panelists of the company.

All the 20 lakh Panelists had joined the business module to enhance their earnings and see a positive change in their living standards and until May 2011 have experienced the fruits of this association many of whom have experienced a total positive change in their life style.

* It has been almost three months since the monies have freezed up and still all the panelists (barring a few who have complained) are patiently waiting and support the company’s endeavor to get out of the problems and restart the operations.

* The present Association is formed, based and arising, out of support E mails received from all over the country.

* Speak Asia Association  has filed a Speak Asia PIL before the Hon. High Court at Mumbai. Which is now posted for 7th September, 2011, When the Government of Maharashtra is to file its reply.

* Some of the panelists have independently moved the Supreme court and are in the process of filing a PIL before the Hon. Supreme Court asking for ad interim relief and prayed that the monies which are seized by the authorities in India be brought under the custody of the Supreme court and under its supervision be distributed amongst the panelists.

* Important to note here that between Genx Bazaar GOA 9 - 11 May 2011organized one of the
biggest consumer gathering under the name and style of Gen X held in Baga, Goa.

* Gen X saw various reputed brands like, Provouge, Reebok, Gitanjali jewellery, American Tourister,
Samsonite, IFB Electronics, Flying Machine, TVC skyshop, and Skoda Automobiles to name a few,
display their wares for the Speakasians to purchase. A whopping over Rs. 4 to 5 crores were transacted in one day of shopping making it a record single day shopping record.

* The end of Gen X was to usher in the company’s ambitious second phase and the tag line now is “Consumer empowerment”

* The company has grown from being a survey based company and is now into as they call the 5th ‘P’ of marketing i.e. PRECISION MASS MARKETING.

* This second phase was to unleash a revolutionary phase where the company was planning to use this humongous size of its panelists and use their purchasing power to provide the panelists with international quality of products at prizes which were half of what these products are presently available at.

* We the Panelists feel that because of the unprecedented success of the company and its unveiling of its revolutionary new product based platform, has sent jitters in the trade in general and caught the envy of the company’s competitors.

* This unknown enemy of the company is presently orchestrating and unleashing a vicious and malicious negative campaign against the company.

* The Architect of the campaign against the company has unknowingly harmed the interest of 20 lakh Indians and has affected lakhs of marginal players whose kitchen fires were being run on the earnings they received from SAOL.

* The stoppage of the legitimate operations of SAOL has in fact violated the basic fundamental right of each individual “The right to livelihood”

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!!!We Came Across Two Disaster Yesterday One by the Human Being, And Other is For Human Being!!!

What a crap. People are numb. Shit happens but life goes on. Nobody gets effected until or unless mess happens with them. People are not practical but they are simply heartless. For own selfish motive cruelty is taking its toll now. O God! Please save us and bare us.

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Its not just a FEELING, Its a DECISION

Love is not just a feeling. It is a DECISION.

When you had your child, you made a decision to love your child. It doesn't just happen automatically because you are the mother.

It is the same with husband. When two get married - They DECIDED to love each other. Not just then, but until forever inspite of all the flaws and weakness. Because, They made that decision.

So The only way to un-love anyone - is to DECIDE it. FEELINGS COME NATURALLY BUT OUR DECISION ONLY CAN MAKE IT TRUE LOVE is an EMOTION KING. CAN`T deny its EXISTENCE. GET IT>> CATCH IT >> GRAB IT Make a decision to stay happy & lucky by having love in your life forever & ever & ever.

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