Thought you'd find this interesting

Hi, I've just learned about the water crisis and thought you would be interested to check out this story: https://waterforward.charitywater.org Let me know what you think! Thanks, NaveenRaj

Sent via WaterForward, an initiative of charity: water Unsubscribe WaterForward, 387 Tehama Street, San Francisco, CA 94103, USA.

Raja raja cholan varalaru

உலகிேலய மிகெபய யாைன பைடைய க ஆட ேசாழ மன , ெதனதியா வ , ெதகாசியா வைர ேவ பரப த மக ெவறி ெகா நாட வழிவத மாமன ராச ராச ேசாழ, 1000 வடமாக கபரமாக நி ெபயேகாவைல கய மன,உலகி த கப பைடைய நிவய மன, இ அகிெகாேட ேபாகலா இவைடய கைழ, இபபட மாமன சமாதிைய பாக.

தமிழ உலக அளவ அைடயாள ெகாத ேபரரச நா ெகா மயாைத இ தானா ? ஒ வயதான ஏைழ வவசாய த வ ெகாைலற இ சமாதிைய தின மல  மயாைத ெச வகிறா!!!!!

http://www.youtube.com/watch? v=0GqmsZIwNkY

Sourav Ganguly Prince of Calcutta 16 incredible records from dada...... 1. Ganguly is the seventh Indian cricketer to have played 100 Test matches.
2. He is currently the 4th highest overall run scorer for India in Tests.
3. Ganguly is the second among Indians after Sachin Tendulkar (who has the highest ODI runs in the world) and the fourth in the worldin terms of overall runs scored in ODIs. 4. Ganguly has 22 centuries in ODIs and is only behind Sachin Tendulkar, Sanath Jayasuriya and Ricky Ponting. Sourav, along with Sachin Tendulkar, formed by far the most successful opening pair in One Day Cricket, having amassed the highest number of century partnerships (26) for the first wicket. Together, they scored more than 7000 runs at an average of 48.98. He is a world record holder for creating most no. of 50-run partnerships in the first wicket (44 fifties).
5. He captained India in a record 49 Test matches and led India to a record 21 Test wins.
6. His Test average has never been less than 40.
7. He holds the record for most 200+ ODI partnerships (6 times) along with Sachin Tendulkar and Ricky Ponting.
8. He holds the record, shared with Sachin Tendulkar, for most 1st wicket ODI partnerships of 175+ runs (7 times).
9. He holds the record, shared with Mahendra Singh Dhoni, for the fourth highest score by an Indian cricketer in an ODI — 183, against Sri Lanka in 1999.
10. He held the record, shared with Sachin Tendulkar, for the highest first wicket partnership for India in an ODI match, 258, against Kenya in 2001. This record was bettered by Sri Lankan opening pair of Jayasuriya and Tharanga in 2006 at Headingley.
11. He was involved in the first 300 run ODI partnership with Rahul Dravid. He is also the only player to win 4 consecutive man of the match awards in ODIs.
12. He’s India’s second most successful ODI captain after Mohammed Azharuddin.
13. He was the first Indian to score an ODI century against Australia in Australia.
14. He was the highest ODI runs scorer in the world (in a calendar year) in 1997, 1999 and 2000.
15. He’s placed third on the list of maximum number of sixes hit in ODIs.
16. He’s on the second spot in the list of highest number of centuries in a single calendar year ever. 7 centuries in 2000.

History of tenkasi related to pandiyan capital

ெதகாசி (Tenkasi), இதியாவ தமிநா மாநிலதி அைமள திெநேவலி மாவடதி இ ஒ நகராசி ஆ. ெதகாசி நகர ேம ெதாடசி மைல அவாரதி இயைக எழி ெபா ழலி அைமள. றால அவக இநகரதி அகாைமய உளதா இ லா பயணக அதிக வைக த ஒ நகரமாக அைமள. இ பவ மைழ ற ெபய ேபான. மக இைத சார மைழ எ அைழப.

ெனா காலதி ெதகாசிைய ஆசி ெசத பராகிராம பாய மனன கனவ சிவெபமா ேதாறி ெதகி உள எைடய பதக சில.வடகி உள காசி பாதயாதிைர ெசேபா காசிைய வதைட னேர இறவகிற ன.அதனா அவக எ அ ெபற ெதகி ெதகாசி ேகாரைத கமா ஆைணயளா .அதைன ஏ பராகிரமபாய மனனா கடபடதான ◌் ெதகாசி ேகார. இத ேகாயலி ெபயராேலேய இத ஊ ெதகாசி எ அைழகெபற . காலதி, ேசாழக க மகி பாயகள ைக ஓகிய.அத காலகடதி,பாயக இலைக ம பைடெயதன. ெதகாசிைய தைலநகரமாக ெகா ஆசி நடதிய அேகச பராகிரமபா ய (கி.ப.1422-61) இலைக ம பைடெய சிகளைர பல ைற ெவறதாக க ெவ ஆதாரக உளன.

Think todays youth

1.ஒ ஏக க ேபாடா - 6,000 பா. 2.ஒ ஏக வாைழ ேபாடா - 9,000 பா. 3.ஒ ஏக ெந ேபாடா - 15,000பா. 4.ஒ ஏக பளாடா (PLOTS)ேபாடா -1.6 ேகா பா

நா ந ப வடதா இதி உள நாகா திடைத ேத எ, கண ேபா படா ேபாேவா...

அவ பகாததாேலா எனேவா அதி த வயைவைய ேபா நம ேசா ேபாகிறா.

அகீகக பட தகவலி ப வடதி 17500வவசாயக தெகாைல ெச ெகாகிறாக எகிற ஆ.

ேசா ேபா வவசாயைய அகீககாத சக,அழிைவ ேநாகி ெசவ உதி.

டாலகாக அட ைவக ப ப அறி, எேம இவ வயைவ  ம இ...! —

The salt and the lake - inspirational story

The old Master instructed the unhappy young man to put a handful of salt in a glass of water and then to drink it. "How does it taste?" the Master asked. "Not good at all," spat the apprentice.

The Master chuckled and then asked the young man to take another handful of salt and put it in the lake. The two walked in silence to the nearby lake and when the apprentice swirled his handful of salt into the lake, the old man said, "Now drink from the lake."

As the water dripped down the young man's chin, the Master asked, "How does it taste?" "Good!" remarked the apprentice. "Do you taste the salt?" asked the Master. "No," said the young man.

The Master sat beside this troubled young man, took his hands, and said, "The pain of life is pure salt; no more, no less. The amount of pain in life remains the same, exactly the same. But the amount we taste the 'pain' depends on the container we put it into. So when you are in pain, the only thing you can do is to enlarge your sense of things..... Stop being a glass. Become a lake!"

TOP HUNDRED BATSMEN IN ODIS

01 18426 SACHIN TENDULKAR
02 13704 RICKY PONTING
03 13430 SANATH JAYASURIYA
04 11739 INZAMAM UL HAQ
05 11498 JACK KALLIS
06 11363 SOURAV GANGULY
07 10915 KUMAR SANGAKKARA
08 10889 RAHUL DRAVID
09 10849 MAHELA JAYAWERDENE
10 10405 BRIAN LARA
11 9720 MOHAMMAD YOUSAF
12 9619 ADAM GILCHRIST
13 9378 MOHAMMAD AZHARUDDIN
14 9284 ARAVINDA DE SILVA
15 8823 SAEED ANWAR
16 8778 SHIVNARAINE CHANDERPAUL
17 8648 DESMOND HAYNES
18 8529 MARVAN ATAPATTU
19 8500 MARK WAUGH
20 8432 CHRIS GAYLE
21 8273 VIRENDER SEHWAG
22 8146 YUVRAJ SINGH
23 8094 HERSCHILLE GIBBS
24 8037 STEPHEN FLEMING
25 7569 STEVE WAUGH
26 7456 ARJUNA RANATUNGA
27 7381 JAVED MIANDAD
28 7278 MICHAEL CLARKE
29 7170 SALIM MALIK
30 7143 MAHENDRA SINGH DHONI
31 7090 NATHAN ASTLE
32 7075 SHAHID AFRIDI
33 6956 TILAKRATNE DILSHAN
34 6912 MICHAEL BEVAN
35 6898 YOUNIS KHAN
36 6798 GARY KIRSTEIN
37 6786 ANDY FLOWER
38 6721 VIVIAN RICHARDS
39 6698 GRAEME SMITH
40 6571 GRANT FLOWER 41 6564 IJAZ AHMED 42 6524 ALLAN BORDER 43 6248 RICHIE RICHARDSON 44 6133 MATTHEW HAYDEN 45 6068 DEAN JONES 46 5964 DAVID BOON 47 5935 JONTY RHODHES 48 5841 RAMEEJ RAJA 49 5761 CARL HOOPER 50 5644 RAMNARESH SARWAN 51 5565 HANSIE CRONJE 52 5442 MICHAEL HUSSEY 53 5359 AJAY JADEJA 54 5346 DAMYIN MARTIN 55 5316 SHOAIB MALIK 56 5185 ALISTAIR CAMPBELL 57 5168 AB DEVILLERS 58 5163 GAUTAM GAMBHIR 59 5162 ROSHAN MAHANAMA 60 5134 GORDON GREENIDGE 61 5092 PAUL COLLINWOOD 62 5088 ANDREW SYMONDS 63 5080 ABDUL RAZZAQ 64 4950 CHRIS CAIRNS 65 4942 UPUL THARANGA 66 4780 AAMIR SOHAIL 67 4707 CRAIG MCMILLAN 68 4704 MARTIN CROWE 69 4686 MARK BOUCHER 70 4677 ALEC STEWART 71 4597 BRENDON MCCULLUM 72 4563 SHANE WATSON 73 4483 SCOTT STYRIS 74 4413 NAVJOT SINGH SIDDHU 75 4379 CHRIS HARRIS 76 4357 GEOFF MARSH 77 4335 MARCUS TRESCOTHICK 78 4290 GRAHAM GOOCH 79 4228 KEVIN PIETERSEN 80 4205 ANDREW STRAUSS 81 4112 BRENDON TAYLOR 82 4091 KRISHNAMCHARI SRIKKANTH 83 4010 ALLAN LAMB 84 3950 RUSSEL ARNOLD 85 3914 VIRAT KOHLI 86 3902 ASANKA GURUSINHA 87 3891 JOHN WRIGHT 88 3868 IAN BELL 89 3860 DARRYL CULLINAN 90 3846 GRAEME HICK 91 3841 SURESH RAINA 92 3789 HASHAN TILAKRATNE 93 3783 KAPIL DEV 94 3717 WASIM AKRAM 95 3711 ROMESH KALUWITHRANA 96 3709 IMRAN KHAN 97 3675 PHIL SIMMONS 98 3637 NICK KNIGHT 99 3635 SHAKIB AL HASAN 100 3576 LANCE KLUSENER

True fact of india... RSS is not anti national organisation

any English-speaking rich people has habit of blaming RSS as anti-national organisation.

See this pic carefully. This is first Prime minister of India Nehru in RSS cadre's dress. Now all can see who has cheated the nation for muslim votebank.

58th Idea Filmfare Awards 2012

The 58th Idea Filmfare Awards 2012 will be exclusively telecast on Sony Entertainment Television soon. ROLL OF HONOUR BEST COSTUMES MANOSHI NATH/RUSHI SHARMA | Shanghai BEST SOUND DESIGN SANJAY MAURYA & ALLWYN REGO | Kahaani BEST PRODUCTION DESIGN RAJAT PODAR | Barfi! BEST EDITING | NAMRATA RAO | Kahaani BEST CINEMATOGRAPHY | SETHU | Kahaani BEST ACTION | SHAM KAUSHAL | Gangs of Wasseypur BEST BACKGROUND SCORE PRITAM | Barfi! BEST CHOREOGRAPHY BOSCO CAESAR | Aunty-ji (Ek Main Aur Ekk Tu) DEBUT (FEMALE) | ILEANA D’CRUZ | Barfi! DEBUT (MALE) AYUSHMANN KHURRANA | Vicky Donor DEBUT (DIRECTOR) | GAURI SHINDE | English Vinglish RD BURMAN AWARD FOR UPCOMING TALENT IN MUSIC | NEETI MOHAN | Jiya Re (Jab Tak Hai Jaan) BEST PLAYBACK (FEMALE) SHALMALI KHOLGADE | Pareshaan (Ishaqzaade) BEST PLAYBACK (MALE) AYUSHMANN KHURRANA | Pani Da Rang Dekh Ke (Vicky Donor) BEST LYRICS | GULZAR | Challa (Jab Tak Hai Jaan) BEST MUSIC DIRECTOR | PRITAM | Barfi! SONY TRENDSETTER | OF THE YEAR | Barfi! LIFETIME ACHIEVEMENT AWARD YASH CHOPRA BEST ACTOR IN A SUPPORTING ROLE (FEMALE) ANUSHKA SHARMA | Jab Tak Hai Jaan BEST ACTOR IN A SUPPORTING ROLE (MALE) ANNU KAPOOR | Vicky Donor BEST STORY | JUHI CHATURVEDI | Vicky Donor BEST SCREENPLAY SANJAY CHOUHAN & TIGMANSHU DHULIA | Paan Singh Tomar BEST DIALOGUE ANURAG KASHYAP, AKHILESH JAISWAL, SACHIN K LADIA, ZEISHAN QADRI | Gangs of Wasseypur CRITICS’ AWARD FOR BEST FILM Gangs of Wasseypur CRITICS’ AWARD FOR BEST ACTOR (FEMALE) RICHA CHADDA | Gangs of Wasseypur CRITICS’ AWARD FOR BEST ACTOR (MALE) IRRFAN KHAN | Paan Singh Tomar BEST Actor IN A LEADING ROLE (MALE) RANBIR KAPOOR | Barfi! BEST Actor IN A LEADING ROLE (FEMALE) VIDYA BALAN | Kahaani BEST (DIRECTOR) | SUJOY GHOSH | Kahaani BEST FILM | Barfi! SPONSORS Title Sponsor Idea; Associate Sponsor PC Jeweller; Telecast Partner Sony Entertainment Television; Time Partner Rotary Watches; Fashion Partner Reliance Trends; Fortune Partner Netsurf Communication; Travel Partner Maharashtra Tourism Development Corporation; Technology Partner Reliance Digital; Outdoor Partner Bright Outdoor; Trophy Partner The Award Gallery; Multiplex Partner Khushi Advertising; Beverage Partner Black Dog; English News Channel Partner Times Now; Radio Partner Radio Mirchi; Food Partner Moveable Feast; Music Partner T-Series; Show Direction Fountainhead; Event Management Percept; Event Consultant Oxygen Entertainment TECHNICAL JURY Abhinay Deo, John Mathew Matthan, Nikhil Advani, Onir, Raj Nidimoru and Krishna DK, Rajkumar Gupta and Vikramaditya Motwane POPULAR JURY Anees Bazmee, Anu Malik, Aroona Irani, Asha Parekh, David Dhawan, Mira Nair, Nikhil Advani, Padmini Kolhapure, Rakeysh Omprakash Mehra, Suniel Shetty and Usha Uthup — Compiled by Seema Sinha and Garima Sharma

Ranbir & deepika spotted together

According to Zoom channel , ex'es of Bollywood Ranbir and Deepika were spotted partying together. It was when Ranbir hosted a party for Deepika to celebrate the success of Race 2, in Kashmir. The whole crew of Yeh jawani hai deewani including Ayan Mukherjee was invited to the party.

மறகமா இ 13 வ நிைன தின தம

மறகமா இ 13 வ நிைன தின தம ேபதி உயநத மாணவகளன நிைன தின இவகள ஆமா சாதி அைடய இைறவனட பராதைன ெசேவா...

Race 2 collection details joins 100cr club

RACE 2 ENTERED IN WORLDWIDE 100 CLUB

2nd friday 3.5 cr.

Total DOMESTIC : Rs 79.6 cr nett.

OVERSEAS : 22.61 cr

WORLDWIDE TOTAL : 102.21

ா, பரபைர பரபைரயா tamil history

நா ஏதாவ ஒ வஷயைத பறி ேப ெபா, பரபைர பரபைரயா எ ெசாவ...

பரபைர எறா என? வழி வழியாக எ ெசாலலா எறா, "தைலைற தைலைறயாக"எபேத உைம ெபா ஆ.

அபெயறா, பரபைர எப ைதய தைலைறைய றி ெசாலா? ஆ!.. பர + பைர = பரபைர

நம அத தைலைறக:

நா மக + மக ெபயர + ெபயதி ெகாெபயர + ெகாெபய தி எெபயர + எெபயத ி

நம ைதய தைலைறக:

நா -த தைலைற தைத + தா - இரடா தைலைற பாட +பா -றா தைலைற ட +  -நாகா தைலைற ஓட + ஓ -ஐதா தைலைற ேசேயா + ேசேயா - ஆறா தைலைற பர +பைர -ஏழா தைலைற

ஒ தைலைற - சராசயாக 60 வடக எ ெகாடா, ஏ தைலைற - 480 வடக.. ஈேர தைலைற - 960 வடக..(கிட ◌்டதட ஆயர வடக)

ஆக, பரபைர பரபைரயாக எ ெசாவத ெபா ஈேர, பதினா தைலைறயாக எ ெபா வ.

என ெத, ேவெறத ெமாழிகள இப உற ைறக இைல.. இ தமி ஒ தன சிற!..

Buying a home: How to choose between various payment options

Most builders provide one of the four options—Down-Payment Plan, Construction-Linked Plan, Flexi-Payment Plan and Time-Linked Payment Plan. Calculate the benefits that the builder gives you and weigh them against the costs/penalties that would be levied if you do not make timely payments

Buying a home is perhaps the biggest decision you take in your life. The amount involved is huge, EMIs (equated monthly instalments) take away a large chunk of your monthly salary and go on for a long time, if you take a loan. Thus, the repayment should be a well-thought out, structured plan. Since payment may be a cause of worry for many buyers and may turn them away from buying homes, builders, these days have come up with options that would encourage buyers to take loans and book properties, even before construction starts, let alone possession. When buying home, keep these payment options also in mind, other than factors such as distance from the office, amenities offered, surrounding infrastructure, built-up area, etc. While applying for a home loan, calculate the benefits that your builder gives you and weigh them against the costs/penalties that would be levied if you do not make timely payments.

Is a pre-approved home loan a good option?

When buying a home seems unaffordable because of shooting property prices combined with high interest rates, these options come in handy for you. Thus, most builders provide one of the four options—Down-Payment Plan (DPP), Construction-Linked Plan (CLP), Flexi-Payment Plan (FLP) and Time-Linked Payment Plan (TLPP). Under these options, flats are booked even before construction starts. It is a win-win situation for both the builders and the buyers, since buyers lock-in their prices much before they actually buy it, and builders get funds for construction.

Traditional down payment plans require you pay 10%-15% of the purchase price when you book your property, another 80%-90% within a given time-frame, say 45-60 days and the rest, at the time of possession. This remaining amount will include the balance amount of the cost of property and all charges levied by different authorities including Stamp Duty and Registration Fee, around 5% of the value of the property; the initial property tax, society maintenance charges; other charges of using society facilities such as gymnasium, swimming pool, parking, etc.

Risks involved in such cases include delay in construction and delivery of property that has happened in most cases, actual delivered property differing from what was shown in the sample, different constructed area, and increase in property prices by the time property is delivered to you. All these problems discourage buyers from buying property,

To avoid these problems, builders have come to with EMI sharing options. EMI sharing is advertised saying “no EMI till possession” but it actually works differently for loan borrowers. Under the “full sharing of EMI” option, the builder pays the interest component of your each EMI while under the “partial EMI sharing” option, the builder will pay a proportion of your EMI interest component. EMI sharing option is applicable for a certain period of time with the complete EMI to be paid by you thereafter. Some builders introduce an additional clause of paying at a fixed rate of interest, which could be challenging for floating rate borrowers.

Real Estate Malpractices: Home-buyer at the mercy

Construction-linked plans require you paying a booking amount—around 10%-12% of the purchase price upfront while the rest is linked to construction milestones, 20% with each floor constructed, for example.

Flexi payment option, on the other hand, is a combination of both the above options, where the buyer has to pay about one-third of the price while booking and another one-third linked to milestones, while the remaining amount would be paid at the time of possession.

In comparison to one another, the construction-linked payment plan is more suitable than the other two since the risk is the least, if the payment is not timed and completely linked to construction completed. Moreover, the builder would also want to complete construction fast in a bid to get cash flowing in. That said, the track record of the builder is an important parameter to be taken into consideration.

From the loan perspective, construction linked loans are more expensive of the two, since they have a longer tenure; only interest payment is due till the property in under construction, principal repayment starts after possession.

Time linked-repayment plans

payment of these loans has to be made at a pre-decided point in time and in pre-decided proportion and are therefore riskier in terms of combating delay of construction. In case you pay 10% of the total amount at the time of booking and the rest at regular intervals of say, one year each, in three equal instalments, your payments are not in tandem wit 

Naveen jindal with shashi tharoor

Naveen Jindal (@MPNaveenJindal) tweeted at 3:55 PM on Sat, Jan 26, 2013: Just landed in Thiruvanthapuram in Kerala with @ShashiTharoor to hoist a 200 ft monumental National flag .. http://t.co/qLVzpMtr (https://twitter.com/MPNaveenJindal/status/295115337089810432) Get the official Twitter app at https://twitter.com/download

Bikini images of indian model

How to file a complaint against your bank

How to file a
complaint against your bank

Laxmi Bhardarkar, an 81-year-old retired
schoolteacher from Mumbai, feared phone calls till recently. It wasn't
suprising considering that she had received nearly 1,500 threatening, abusive
calls for over two months. Bhardarkar's fault? Her son had pending dues on his credit
card, a transaction he had not even carried out. He had sent a letter to the
bank, pointing out the error and refusing to pay.
After this, he had to go abroad for an
official assignment, and while he was away, the bank appointed recovery agents,
who started harassing his mother. The ordeal ended when the family contacted
the police. The Bhardarkar family isn't alone in its predicament, nor is it the
only grievance against banks. In 2011-12, 48,180 complaints were filed against
public-sector banks alone. Here are the steps you need to take to redress your
grievance.

Step 1: Complain to
your bank
According to Adhil Shetty, CEO,
Bankbazaar.com, nearly all banks have a grievance cell. "So a customer can
visit the bank and meet the officials to sort out the issue," he says.
Banks have a dedicated toll-free customer care number, which you can use to
lodge your grievance and get a complaint ID. "You can also register a
complaint on the bank's website," he adds.
KS Harikumar, head, operations, Federal Bank,
explains that e-mails can also be sent to the service quality department in
public-sector banks. "This is an exclusive unit dealing with customer
grievances and headed by an executive of the rank of general manager. The
complaints posted directly on the bank's website are also resolved by this
department," he says. Harikumar adds that some banks have begun or are in
the process of starting a real-time monitoring system for the complaints
received centrally through the customer relationship management (CRM), which is
set up in all branches.
Once the complaint is lodged, the customer
needs to wait for 30 days for the bank to offer a solution or give a suitable
reply.

Step 2: Approach the
banking ombudsman
If your bank does not address your complaint
within a month, you can approach the banking ombudsman. This is a senior
official appointed by the Reserve Bank of India to redress customer complaints
against deficiency in banking services, as per its scheme introduced in 1995.
All scheduled commercial banks, regional rural banks and scheduled primary
cooperative banks are covered under the scheme. So far, there are 15 ombudsmen,
whose offices are located mostly in state capitals. Their addresses and contact
details are available on the RBI website.

The ombudsman tries to effect a legally
binding settlement between both the parties within a month. However, if a
settlement is not possible, it will pass an award after allowing both the
parties to present their cases to him.

Types of grievances
When the scheme was introduced, it addressed
complaints such as non-payment or delayed payment of cheques and drafts, and
services such as remittances. However, in the ensuing years, the scope has
widened to include grievances related to plastic money, unfair banking practices,
levying of service charges without prior intimation, transactions on the
Internet banking platform, and the like. Deficiency in service with respect to
loans and advances, say, delays in sanctioning/disbursing loans and
non-acceptance of loan applications without a valid explanation, are also valid
grounds for complaint. For a complete list of the types of complaints you can
take up under this scheme, visit rbi.org.in/scripts/FAQView.aspx?Id=24.

Lodging a complaint
You have to file the complaint at the office
of the ombudsman under whose jurisdiction your bank branch is located. The
grievances relating to credit cards and other types of services with
centralised operations are to be filed with the ombudsman in whose territorial
jurisdiction the billing address of the customer is located.
You can put it down on a plain paper, send an
e-mail, or

The ombudsman can reject a customer's
complaint if he has not approached his bank for grievance redressal first, or
if the subject is pending for disposal, or has already been dealt with at any
other forum, such as a court of law or consumer court. Also, the complaint will
not be considered if more than one year has passed since the customer has heard
from the bank, or 13 months since the date of representation to the bank.
Compensation limit

The scheme caps the amount of compensation
that can be doled out to Rs 10 lakh or actual loss suffered, whichever is lower. The
ombudsman may choose to award the compensation, not exceeding Rs 1 lakh, to the
complainant for mental agony and harassment. However, so far, this has been
limited to complaints regarding credit card operations.

Legal route
If you are not happy with the settlement
offered by the ombudsman, you can file an appeal before the appellate authority
within 30 days. The appellate authority in this case is the deputy governor of
the RBI. Alternatively, you can approach consumer redressal forums, which take
up bank-related complaints, or even the courts. Source: Economic Times
Best Regards
Prakash Nair 

Poster free chennai- chennai poster hatao

Dear Friends,

This msg from the volenteers. Just posting here to spread the news

We have arrived in Chennaiwitha mission to make Chennai Poster Free. We are available on Telephone No 044-25363803 , Mob 9789060351.

We request for your help in locating volunteers at Chennai.

Poster Hatao is a citizen centric initiative ( Not a NGO ). Poster Hatao does not have a bank account, hence, we can neither receive money nor give money. The aim is to make every citizen of India aware of his / her duties. Removing of Posters is the First Step, Noise Pollution is next.

There must be over a crore posters all over Chennai and if it takes about 5 minutes to remove one, it shall take over one lakh man days to clean Chennai. No agency has this much resources. But, if one crore citizens of Chennai remove one poster each, Chennai will be cleaned in 5 minutes.

We met the senior officers of the Corporation as well as the Police who have promised all the necessary help, in principle.

Pl ask your Friends at Chennai to " Like" POSTER HATAO CHENNAI on FB and volunteer to make Chennai POSTER FREE so that we can organize a Poster Hatao event in their area..

regards Col Shivraj 044-25363803 MoB : 9789060351 http://www.google.com/profiles/colshivra http://www.facebook.com/poster.hatao MY CHENNAI , POSTER and NOISE FREE CHENNAI

Your alternatives to personal loans

Personal loans, being unsecured by nature, are priced much higher than a loan that has a security attached to it. For smaller loans, you needn’t collateralise your home or your vehicle, you can borrow against smaller market-linked securities or those having a fixed value

With consumer spending on the rise and loans being an expensive option, it is time to find other sources from where you can generate a cash flow from. Should you look at additional income by way of a part time job? That would be a little too taxing. Is it then, not better to unlock your existing assets by taking a loan against them, while preserving their value? And yes, we are not asking you to sell your assets off. Only borrowing against them as a security, instead of taking a personal loan!!

You can borrow against smaller securities that could range from being market-linked such as equity shares, mutual Funds, ETFs, gold deposit certificates, RBI bonds to those having a fixed value such as traditional life insurance policies, National Savings Certificates (NSC), Kisan Vikas Patra (KVP), NABARD's Bhavishya Nirman Bonds and Non Convertible Debentures.

Consider this: For loans against securities from Axis Bank, the interest rates would be 13% for an amount below Rs 10 lakh and 12.75% for amount above Rs 10 lakh, whereas for personal loans, it could range anything between 15% and 24%, irrespective of the amount of apply for. And if you take a personal loan from ICICI bank, it charges you anywhere between 16 to 18.5%, whereas, for Loan against security, for amount below Rs 10 lakh, interest of 13.5% would be levied and for loan from 10 to 15 lakh, 13.25% of interest rate would be levied. There is a difference in securities that banks and financing institutions would give loan against and also in the loan-to-value ratio or LTV, which is the ratio of the value of the security that will be given you as a loan. Generally the LTV is as low as 50% for market-linked securities such as equity shares and equity mutual funds, due to their volatile nature and as high as 80-90% for debt mutual funds and other debt-based investments.

For traditional insurance policies, the eligible amount is benchmarked against the surrender value. For example, for an LIC endowment policy, the maximum loan amount available would be 90% of the surrender value of the policy (85% in case of paid up policies) including cash value of bonus, where surrender value is 30% of the total premiums paid (for at least three years), excluding premiums for the first year and all extra premiums. This means you cannot take loans on traditional policies before you have paid premiums for at least three years.

For loans against fixed deposits, banks generally levy a margin over and above the rate allowed for the deposit. For example Punjab National Bank offers loans against fixed deposits at an interest rate of 2% over and above the rates offered on fixed deposits. For example if you apply for loan against a Rs50,000 fixed deposit that has three to four years remaining to maturity, you would be provided Rs40,000 as loan, 10% retained as the margin amount. Comparatively lower margins are retained for present, retired and widows of staff members.

Loans against KVP/NSC are provided at rates connected to the base rate by banks, for example, Allahabad bank charges base rate+4%, effectively 14%, as of today.

The idea behind taking a loan against securities of smaller value springs from facts that you do not need to pledge large assets for small loan amounts and do not need to spend on their valuation and legal documentation. On the other hand, they are better then personal loans due to their inexpensive nature and speedier processing.

Our suggestion Before pledging your assets for loans, think of why and for what time you invested in them. Term plans, for example, are protection products and we advise not taking loans against such products, which could harm you in case of eventuality. In case you have a cushion on insurance policies apart from the basic term plan with adequate cover, you may opt for taking loans against the other policies.

Other than insurance plans, check how taking a loan affects your alignment of goals that you made these investments for. An example—taking a three-month loan against an equity mutual fund you invested in for your daughter’s marriage, 18 years from now. Such loans do not erode your wealth, due to the virtue of time that you have on your side. Avoid pledging securities near maturity, or you will lose out on your objective of investment. Source: MLF

Best Regards Prakash Nair

Sunny leone exclusive

Porn star shavitha bhabi

Riya cute pics

Kissing problems betwern trisha & simbhu

In the movie Vinnai Thaandi Varuvaa, Trisha was seen being kissed by Simbu many a times.

As Hosur Paiyan envied Simbu for kissing Trisha, he reached Trisha and questioned about the basis on which she allowed Simbhu kissing

Understanding the motive behind the question, Trisha answered cooley that "According to the story, being kissed and kissing was required and only for that reason, the kiss scenes were shot for the

Satisfied with her answer, Hosur Paiyan got cool and he dreams about his life with Trisha!!!

Kajol agarwal in wet hot

When Sachin made his first century???

For ajith fans

Quote of the day

A small body of determined spirits fired by an unquenchable faith in their mission can alter the course of history. --Mahatma Gandhi