As per the guidelines of Reserve Bank of India (RBI), starting from February 1, 2011 all merchants in India are required to collect an OTP (One Time Password) in addition to information written on the Credit cards for all transactions done over phone (IVR). All banks in India are providing OTP directly to their customers for a secure transaction over IVR.
OTP brings multiple benefits for you and you will feel more secure while doing IVR transactions over phone. With OTP you are fully safe of fraudulent transactions made through Credit Card. So, use OTP and enjoy secure purchases over the phone (IVR). Just call your bank and get an OTP for your Credit Card.
What is One Time Password or OTP?
OTP is a numeric password which is valid for one time use only. As per Reserve Bank of India (RBI) guidelines starting from February 1, 2011, all merchants in India are required to collect an OTP in addition to information written on the Credit cards for all transactions done over phone (IVR). OTP is issued by the bank directly to the customer.
When do We require an OTP?
The OTP is required starting from February 1, 2011 onwards whenever you make a purchase by calling MakeMyTrip Call Center over phone. For such purchases you need to dial in the OTP in addition to your Credit Card Number, Expiry Date and CVV.
How can We obtain an OTP?
To obtain the OTP you should first register your mobile number with your bank. It is advisable to get it done as soon as possible. The process of registering the mobile number varies from bank to bank; hence its best to call the customer support of the bank that issued your Credit Card to know more.
Once your mobile number has been registered with your bank, you can obtain an OTP . Your bank will send the OTP to the registered mobile via SMS.
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Thursday, February 3, 2011
Wednesday, February 2, 2011
Infrastructure Bond – Save Tax or Make investment or Both?
Infrastructure bond are being issued by many companies, like ICICI, IDBI, LIC and many more. Infrastructure bonds are bonds that provide funds for the development of the real estate in the country. They are specialised bonds and can be issued for this purpose only that is the funds raised from the issue of infrastructure bonds can’t be utilised for any other purpose. There are certain point that a person should always remember before investing in any infrastructure bond that is the interest that is being provided on the bonds are fixed and so it does not provide any protection in the case of inflation. Second point to be remembered is that the person having infrastructure bond can place it in the bank for loan on the bond but the loan that is being given is based on the current market value of the bond and the credit worthiness of the bond and last but not the least infrastructure bonds are considered to be a safe investment but still there is no guarantee that the amount invested in the bond will be fully realised back at the time of the maturity or after the lock in period is over.
Infrastructure bond can be a good choice for investment as it provide with high return on the amount invested. There is no limit as to the amount that can be invested in the bond but as far as the tax saving is concerned there is a limit. A person falling in the highest slab of the income tax that is thirty percent can claim a tax saving of six thousand and not anything above that. That is a person investing somewhere round twenty thousand and is there in the highest slab of the income tax are eligible for deduction of twenty thousand and can save tax up to rupees six thousand. There is another benefit as to the deduction that a person claiming deduction is over and above the prescribed limit of one lack that is available to a person in chapter VIA of the income tax act and under the section 80C. an individual can claim deduction of one lack by investing in LIC, PPF, NSC and many more to claim the deduction and the benefit of the investment in infrastructure bond is available over and above the prescribed limit of one lack. Here the extra advantage of the twenty thousand is available only for infrastructure bond and not cannot be utilised by investment in any other kind of investments.
Infrastructure bond can be a good choice for investment as it provide with high return on the amount invested. There is no limit as to the amount that can be invested in the bond but as far as the tax saving is concerned there is a limit. A person falling in the highest slab of the income tax that is thirty percent can claim a tax saving of six thousand and not anything above that. That is a person investing somewhere round twenty thousand and is there in the highest slab of the income tax are eligible for deduction of twenty thousand and can save tax up to rupees six thousand. There is another benefit as to the deduction that a person claiming deduction is over and above the prescribed limit of one lack that is available to a person in chapter VIA of the income tax act and under the section 80C. an individual can claim deduction of one lack by investing in LIC, PPF, NSC and many more to claim the deduction and the benefit of the investment in infrastructure bond is available over and above the prescribed limit of one lack. Here the extra advantage of the twenty thousand is available only for infrastructure bond and not cannot be utilised by investment in any other kind of investments.
Monday, January 31, 2011
Lack of good night’s sleep a major health concern
Almost two-thirds of people struggle to get a good night’s rest, which according to a British research, constitutes a major public health concern.
Some 60 percent adults admit rarely getting the recommended six or seven hours of sleep every night.
More than a third suffer from insomnia, and many have battled with the condition for years. Doctors warn that sleeplessness leads to depression, lack of concentration and an inability to carry out simple tasks.
According to the findings of a major report, insomniacs are four times more likely to suffer from relationship problems, according to the Daily Mail.
They are also three times more likely to have difficulties concentrating or be in a bad mood and twice as likely to have energy slumps.
A quarter of adults have other sleep-related problems such as teeth grinding or sleep apnea – a disorder characterised by abnormal pauses in breathing, which causes sufferers to wake up in the night.
Just 39 percent of people sleep well, according to the survey of 5,300 by the Mental Health Foundation in the UK.
It says children should be taught the health risks of lack of sleep at school and also recommends GPs are trained to better diagnose those with problems.
Experts say adults need at least five hours’ uninterrupted sleep every day to properly concentrate and function.
Some 60 percent adults admit rarely getting the recommended six or seven hours of sleep every night.
More than a third suffer from insomnia, and many have battled with the condition for years. Doctors warn that sleeplessness leads to depression, lack of concentration and an inability to carry out simple tasks.
According to the findings of a major report, insomniacs are four times more likely to suffer from relationship problems, according to the Daily Mail.
They are also three times more likely to have difficulties concentrating or be in a bad mood and twice as likely to have energy slumps.
A quarter of adults have other sleep-related problems such as teeth grinding or sleep apnea – a disorder characterised by abnormal pauses in breathing, which causes sufferers to wake up in the night.
Just 39 percent of people sleep well, according to the survey of 5,300 by the Mental Health Foundation in the UK.
It says children should be taught the health risks of lack of sleep at school and also recommends GPs are trained to better diagnose those with problems.
Experts say adults need at least five hours’ uninterrupted sleep every day to properly concentrate and function.
Thursday, December 23, 2010
Friday, November 5, 2010
HOW TO IDENTIFY DIFFERENT CITIZENS OF INDIA
HOW TO IDENTIFY DIFFERENT CITIZENS OF INDIA
Scenario 1
Two guys are fighting and a third guy comes along, sees them and walks on.
That's MUMBAI
Scenario 2
Two guys are fighting. Both of them take time out and call their friends on
their mobiles. Now 50 guys are fighting.
You are definitely in PUNJAB !!!
Scenario 3
Two guys are fighting and a third guy comes along and tries to make peace.
The first two get together and beat him up.
That's DELHI
Scenario 4
Two guys are fighting. A crowd gathers to watch.
A guy comes along and quietly opens a Chaistall.
That's AHMEDABAD
Scenario 5
Two guys are fighting and a third guy comes.
He writes a software program to stop the fight.
But the fight doesn't stop because of a virus in the program.
That's BANGALORE
Scenario 6
Two guys are fighting. A crowd gathers to watch.
A guy comes along and quietly says that "AMMA" doesn't like all this nonsense..
Peace settles in...
That's CHENNAI
Scenario 7
Two guys are fighting and a third guy comes along, then a fourth
and they start arguing about who's right.
You are in KOLKATA
Scenario 8
Two guys are fighting. Third guy comes from nearby house and says,
"don't fight in front of my place, go zum where else and keep fighting".
That's KERALA !
And the best one is ....
Scenario 9
Two guys are fighting. Third guy comes along with a carton of beer.
All sit together drinking beer and abusing each other and all go home as friends.
You are in GOA !!!
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Scenario 1
Two guys are fighting and a third guy comes along, sees them and walks on.
That's MUMBAI
Scenario 2
Two guys are fighting. Both of them take time out and call their friends on
their mobiles. Now 50 guys are fighting.
You are definitely in PUNJAB !!!
Scenario 3
Two guys are fighting and a third guy comes along and tries to make peace.
The first two get together and beat him up.
That's DELHI
Scenario 4
Two guys are fighting. A crowd gathers to watch.
A guy comes along and quietly opens a Chaistall.
That's AHMEDABAD
Scenario 5
Two guys are fighting and a third guy comes.
He writes a software program to stop the fight.
But the fight doesn't stop because of a virus in the program.
That's BANGALORE
Scenario 6
Two guys are fighting. A crowd gathers to watch.
A guy comes along and quietly says that "AMMA" doesn't like all this nonsense..
Peace settles in...
That's CHENNAI
Scenario 7
Two guys are fighting and a third guy comes along, then a fourth
and they start arguing about who's right.
You are in KOLKATA
Scenario 8
Two guys are fighting. Third guy comes from nearby house and says,
"don't fight in front of my place, go zum where else and keep fighting".
That's KERALA !
And the best one is ....
Scenario 9
Two guys are fighting. Third guy comes along with a carton of beer.
All sit together drinking beer and abusing each other and all go home as friends.
You are in GOA !!!
Earn upto Rs. 9,000 pm checking Emails. Join now!
Sunday, September 19, 2010
Prabhu Deva - Nayan's wedding plans
Choreographer turned actor and now turned director Prabhu Deva has finally announced his wedding plans with Southern actress Nayanthara. After remaining silent for a long about his relationship with the actress, Prabhu Deva finally confessed before the media about his love during the shooting of Santosh Sivan's Urumi.
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Thursday, July 29, 2010
World Famous Authors and Their Books
World Famous Authors and their Important Books.
About Latin American Legendary writer Gabriel Garcia Marques:He was born in North Columbia, in Arakkattakka. His speciality in writings was the Magical Realism! Marques's Nick Name was Gabo.The name of his Autobiography is Living To Tell The Tale.Important Books written by Marques are Listed below.
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About Latin American Legendary writer Gabriel Garcia Marques:He was born in North Columbia, in Arakkattakka. His speciality in writings was the Magical Realism! Marques's Nick Name was Gabo.The name of his Autobiography is Living To Tell The Tale.Important Books written by Marques are Listed below.
- 1)Leaf Storm
- 2)In Evil Hour
- 3)One Hundred Years Of Solitude
- 4)Chronicle of A Death Foretold
- 5)Memories Of My Melancholy Hoares
- 6)Story Of A Ship Wrecked Sailor
- 7)News Of A Kidnapping
- 8)Love in Time of Cholera
Umberto Eco
He was born in Piyadmont provine in Italy in the year 1932.His Noted books are as follows :- 1)Name of The Rose
- 2)The Mysterious flame of Queen Lona
- 3)Phukkos Pendullum
- 4)Island of The Day Before Bordoleno
- 5)Other Essays on Ugliness, On Beauty and On literature
Milan Kundera
Milan kundera was born in Czechoslovakia.(divided into Czech Republic and Slovakia in 1993)Famous books written by him are listed below.- 1)Unbearable Lightness of Being
- 2)Immortality
- 3)Slowness
- 4)Identity
- 5)Book of laughter and Forgetting
- 6)Ignorance
Gunter Grass
Gunter Grass was born in Germany.His scintillating books are as follows:- 1)The Tin Drum
- 2)Cat and Mouse
- 3)show your Tongue
- 4)My Century
Paulo Koylo
paulo Koylo was born in Brazil's Rio de Janeiro.(The former capital and 2nd largest city of Brazil)His fantastic books are listed below.- 1)The Winner is Alone
- 2)The Witch of Port Bello
- 3)Like the Flowing River
- 4)Saheer
- 5)Eleven minutes
- 6)The Devil and Ms.Prim
- 7)Veronica Decides to Die
- 8)Alchemist
- 9)pilgrimage
- 10)Love Letters from A Prophet
- 11)The Fifth Mountain
Some other Books and Authors
Narcopolis :: Jeet Thayil
Politics and Policies :: Prakash Karat
Kingdom Without Borders:: Madawi Al Rasheed
An Introduction of cultural studies :: Pramod K.Nayar
An Outsider In Politics:: Krishna Bose
Women's Studies In India:: Mary E.John
India's Nuclear Technology Dilemma:: G.B Reddy
Prison In The Tale:: Noyel Keymer
Panchayati Raj and Financial Resource:: S.Chandrasekhar
A case of Exploring Mangoes :: Mohammed Haneef
The Three Mistakes Of My Life:: Chetan Bhagat
Rethinking 1857:: Sabyasachi Bhattacharya
Prisoner Of Birth:: Jeffry Archer
My Country My Life:: L.K Advani
Unaccustomed Life:: Jumpa Lahiri
Conflict And Diplomacy:: Jaswant Singh and Major General S.p Bhattiya
In The Line Of Fire:: Pervez Musharraff
Who will cry when you die:: Robin S Sharma
fall of A Sparrow:: Salim Ali
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