Tuesday, 1 November 2016

[www.keralites.net] Money tips!

 


Some good practices to keep your money safe 🤑🤑🤑


This forward may actually save people's life and their hard earned money

Please spread awareness

Accounts

1) Make two bank accounts.

Primary account and Secondary account

Keep all your money in Primary and never use it for online transactions.

Never use Primary Debit card anywhere.

Use the Secondary account for all the spending and withdrawing money from ATM. Transfer money from Primary account when needed and keep balance under Rs 10,000.

Cards

1) Use Credit Card as much as possible

So that the liability is on banks. Debit cards means your money is gone.

In credit card payments banks can delay or revert the fraudulent payment but not in case of debit card payment. So credit card is safer choice for transactions

If you aren't earning a handsome salary or have bad credit score just put an FD of 25,000 and get a Credit Card against it. Never ever use your Debit Card for online shopping or at POS terminals.

2) Get a safer chip based card

A duplicate copy of magnetic cards can be made in minutes, chip based cards cannot be copied easily.

3) Never let your cards out of your sight

When paying bills at some restaurant, ask them to bring the POS machine to you or you yourself go to the machine. Also grab that receipt, check, and tear.

4) Always hide the keypad

Those devices that you swipe that card have walls to hide your fingers so that no one can see what you're typing, that isn't adequate, cover the top of your hand as well.

Don't punch in the numbers by making a fist and taking the index fingers out. Instead, type like a person playing the piano, i.e: all four fingers resting or hovering over the keypad.

ATM

1) Always go and inspect the ATM thoroughly

It hardly takes 1520 seconds to ensure there's no skimmer in the slot, no camera of device watching your pin etc. The people behind you can wait.
2) Always tear up ATM  receipts into pieces before you throw into the dustbin
3) Never display or show off with the money you just got from ATM

When the machine gives you cash, count and put that cash inside your wallet or purse while being in the ATM itself, don't do so while coming out of the ATM or outside.

Phones and Computers

1) Only install apps from official stores like Google play store or Apple store

Don't use pirated apps on your phone, it could be infected with adwares and spywares.

2) Always update your browsers, apps and antivirus definitions on your computer

3) Always check for HTTPS in your browser when making online transactions

4) Never click on links that arrive in text messages, emails, WhatsApp

Some of them run scripts and can send all your info to the hacker.

If a friend sends you link to check out something on Flipkart, better go and search that thing yourself instead of clicking the link


5) Never use any device other than your personal device to access your account

You'll often find people suggesting you not to use public computer systems to access your accounts, but whenever I see any of my relatives' or sometimes friends' systems, they tend to have some sort of malware or unwanted but suspicious browser extensions installed.

You cannot be sure how technically sound your relatives/friends are in protecting their computers, so best to avoid their devices for banking transactions.

6) Use twofactor authentication if your bank provides that option

Make sure your phone is locked and SMS that you get aren't visible on the locked screen. If you do not take care of this part, having a twofactor authentication kind of loses it's purpose, since gaining access to your unlocked phone pretty much gives someone access to your email ID (to reset password) and SMS (for twofactor authentication).

Passwords

1) Change your netbanking password, ATM pin regularly (3 months)

2) Never reuse banking passwords in other sites

Always have separate banking passwords for all accounts and make sure they are not even similar.

If you're the kind of person who cannot remember passwords, write down password hints for yourself such that only you can figure out what the password is from that hint. This means you cannot use passwords hints like "son's name + wife's DOB".

3) Use Keepass password manager if you are tech savvy

Otherwise write your passwords on a paper and keep it very very safe

Others

1) Stop giving out your phone number and email id.

Do not register your phone numbers at places where it's not needed.

Online offers that look too good to be true like '50 lucky registered winners will get free iPhone 7' actually are too good to be true.

Shopper's stop or Reliance fresh asking you for your phone number during checkout? Don't give it to them! Your number ends up in their spamming database. And if any of these numbers end up in the hands of a company that specializes in scamming, that can land you in trouble.

I've gotten calls from people multiple times claiming they're calling from my bank (they knew my bank name, my phone number and my name, so I would suspect they were who they claimed they were). But then they ask you to verify yourself by telling you your address and other details. Slowly they'll make their way to your debit card number.

Do not give out such sensitive details to anyone on phone, even if they claim they're from your bank, no matter how genuine they sound.

2) Don't share your email id, birth date on social media. If you have FB, then hide them.

3) Unlist from TrueCaller https://www.truecaller.com/unl ist

How exactly does Truecaller help the scammers you ask?

They get your Phone Number from someplace

They get your Name from TrueCaller

Then they Internet Search your name, Get your info like DOB, PAN.  With this information they get duplicate sims from your cellphone provider and Reset your passwords.

4) Always be safe with money

There are people inside a bank, one that marks other people taking out money, other, that's outside and puts a game on you.

These guys are pro's, if they've targeted you, then chances are there's a very good reason for it. They see you are weakling and either steal or dacoit, that is what they will do. Rare, but still happens.

A young bodied guy is less likely to get duped, but your mom, aunt, grandma/pa is a bull's eye for them thieves. Accompany them if you can. Money is a strange thing, and people will do anything to have more of it.

Credits to 248, High Level Jerk, Culturally unfit, ppatra, will code for beer, bhuddimaan

This forward may actually save people's life and their hard earned money

Please spread awareness!

 

 


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Posted by: Cool Kis <cooolkis@gmail.com>
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[www.keralites.net] Money Wisdom from Warren Buffet

 

MONEY WISDOM from WARREN BUFFET

When you make Money, it must shine. And Wealth does not shine through Palatial Houses, Swanky Cars & other such Possessions. However, Wealth glitters when it shows how much you Care or your readiness to Share and through Personal Example, when you enrich others' Lives by the Good you Do.

Selling Newspapers as a child & to become one of the richest person in the world, is no mean achievement. He has donated US $ 31 billion (about 2 lac Crore Rupees) to various charities, the world over, To Do Good. Yes, its Warren Buffet, whose advice on money matters, you must consider. He says:

  •  Happiest people do not necessarily have the best of things. They appreciate the things they have.
  • Choose a simple smarter way to live. Don't go for expensive brands. Just wear what you feel comfortable in.
  • It's your life. Let it be governed by you. Do not let it be governed by others. Don't do what others say. Just listen to them and do what you feel good about.
  • Remember, money does not create man. It is the man who has created money".
  • Use credit cards occasionally for convenience but stay away from bank loans to improve your lifestyle.
  • Invest in yourself. Don't try to show off. Just be yourself. Buy only what you really need.
  • On EARNING, he says "Never depend on single income. Make investments to create a second source".
  • On SAVING, he says "Do not save what is left after spending but spend what is left after Saving".
  • On INVESTMENTS, he says "Do not put all your eggs in one basket".
  • On taking RISK "Never test the depth of the river with both feet".
  • On EXPECTATIONS, he says, "Honesty is very expensive. Do not expect it from cheap people".
  • His final advice "NEVER LET MONEY RULE YOUR HEAD".
  • Even as the second richest man on this planet, Warren Buffet still lives in the same house, which he bought fifty years ago after marriage, drives his own car and wait, it's not over yet. Though his company Berkshire Hathway, owns sixty three companies including world's largest private jet company, he prefers to travel with regular airlines like everyone else, never ever using number of private jets his company owns. 

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Posted by: Cool Kis <cooolkis@gmail.com>
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[www.keralites.net] MEDICAL TREATMENT IN INDIA ......WHOM YOU CAN TRUST?

 

MEDICAL TREATMENTS in INDIA...... WHOM CAN YOU TRUST ? ? ? ?
Pass to your loved ones who come to India for treatment
This is a very important message and you need to share it with as many
people as possible. Doctors, regarded as most noble, have all become businessmen and how, thesen details make clear, direct from the mouth of a highly qualified and respected medical professional himself!
Do read............
10 ways how doctors in India loot patients :
New Delhi, Sept 10 : A renowned physician Dr B M Hegde has shown how a large number of doctors working in five-star hospitals short change patients in order to keep their management happy and enrich their own pockets.
Here is what Dr B M Hegde writes:
"Most of these observations are either completely or partially true.
Corruption has many names, and the civil society isn't innocent either.
Professionals and businessmen of various sorts indulge in unscrupulous practices. I recently had a chat with some doctors, surgeons and owners of nursing homes about the tricks of their trade. Here is what they said..........
1) 40-60% kickbacks for lab tests.
When a doctor (whether family doctor / general physician, consultant or surgeon) prescribes tests - pathology, radiology, X-rays, MRIs etc. the laboratory conducting those tests gives commissions. In South and Central Mumbai -- 40%. In the suburbs north of Bandra -- a whopping 60 per cent! He probably earns a lot more in this way than the consulting fees that you pay.
2) 30-40% for referring to consultants, specialists surgeons.
When your friendly GP refers you to a specialist or surgeon, he gets 30-40%.
3) 30-40% of total hospital charges.
If the GP or consultant recommends hospitalizations, he will receive kickback from the private nursing homes as a percentage of all charges including ICU, bed, nursing care, surgery.
4) Sink tests Some tests prescribed by doctors are not needed. They are there to inflate bills and commissions.
The pathology lab understands what is unnecessary. These are called "sink tests"; blood, urine, stool samples collected will be thrown.
5) Admitting the patient to "keep him under observation".
People go to cardiologists feeling unwell and anxious. Most of them aren't really having a heart attack, and cardiologists and family doctors are well aware of this. They admit such safe patients, put them on a saline drip with mild sedation, and send them home after 3-4 days after charging them a fat amount for ICU, bed charges, visiting doctors fees.
6) ICU minus intensive care.
Nursing homes all over the suburbs are run by doctor couples or as one-man-shows. In such places, nurses and ward boys are 10th class drop-outs in ill-fitting uniforms and bare feet. These "nurses" sit at the reception counter, give injections and saline drips, perform ECGs, apply dressings and change bandages, and assist in the operation theatre.
At night, they even sit outside the Intensive Care Units; there is no resident doctor. In case of a crisis, the doctor --
who usually lives in the same building -- will turn up after 20 minutes, after this nurse calls him. Such ICUs admit safe patients to fill up beds. Genuine patients who require emergency care are sent elsewhere to hospitals having a Resident Medical Officer (RMO) round-the-clock.
7) Unnecessary caesarean surgeries and hysterectomies.
Many surgical procedures are done to keep the cash register ringing.
Caesarean deliveries and hysterectomy (removal of uterus) are high on the list. While the woman with labour-pains is screaming and panicking, the obstetrician who gently suggests that caesarean is best seems like an angel sent by God! Menopausal women experience bodily changes that make them nervous and gullible. They can be frightened by words like "and fibroids" that are in almost every normal woman's radiology reports. When a gynaecologist gently suggests womb removal "as a precaution", most women and their husbands agree without a second's thought.
8) Cosmetic surgery advertised through newspapers.
Liposuction and plastic surgery are not minor procedures. Some are life-threateningly major. But advertisements make them appear as easy as facials and waxing. The Indian medical council has strict rules against such misrepresentation.
But nobody is interested in taking action.
9) Indirect kickbacks from doctors to prestigious hospitals.
To be on the panel of a prestigious hospital, there is give-and-take involved. The hospital expects the doctor to refer many patients for hospital admission. If he fails to send a certain number of patients, he is quietly dumped. And so he likes to admit patients even when there is no need.
10) "Emergency surgery" on dead body.
If a surgeon hurriedly wheels your patient from the Intensive Care Unit to the operation theatre, refuses to let you go inside and see him, and wants your signature on the consent form for "an emergency operation to save his life", it is likely that your patient is already dead. The "emergency operation" is for inflating the bill; if you agree for it,
the surgeon will come out 15 minutes later and report that your patient died on the Operation table. And then, when you take delivery of the dead body, you will pay OT charges, anaesthesiologist's charges, blah-blah-Doctors are humans too. You
can't trust them blindly.
Please understand the difference.
Young surgeons and old ones.
The young ones who are setting up nursing home etc. have heavy loans to
settle. To pay back the loan, they have to perform as many operations as
possible. Also, to build a reputation, they have to perform a large number
of operations and develop their skills. So, at first, every case seems fit
for cutting. But with age, experience and prosperity, many surgeons lose
their taste for cutting, and stop recommending operations.
Physicians and surgeons.
To a man with a hammer, every problem looks like a nail. Surgeons like to solve medical problems by cutting, just as physicians first seek solutions with drugs. So, if you take your medical problem to a surgeon first, the chances are that you will unnecessarily end up on the operation table. Instead, please go to an ordinary GP first
[Prof. B. M. Hegde, MD, FRCP, FRCPE, FRCPG, FRCPI, FACC, FAMS. Padma Bhushan
Awardee 2010.Editor-in-Chief, The Journal of the Science of Healing
Outcomes,Chairman, State Health Society's Expert Committee, Govt. of Bihar,
Patna.Former Prof. Cardiology, The Middlesex Hospital Medical School,
------------------------------------------------------------------------
 Image result for image of dr.b.m .hegde

 
    MANGALORE
Think Good Do Good
https://www.facebook.com/groups/hegdemd
& Whatsap Group +91 93433 66788
Twitter:MDHEGDE888

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Posted by: =?UTF-8?Q?=E2=99=A3_=E2=99=A3_=E2=99=A3M=2ED=2E_?= =?UTF-8?Q?HEGDE=E2=99=A3_=E2=99=A3_=E2=99=A3?= <hegde_csl@yahoo.co.in>
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[www.keralites.net] Amazing..."Do not regret growing older. It is a privilege denied to many."

 

 God's creation of the human body. What your Body Does in a Day..Amazing..
  

This is the most interesting, fascinating and informative email .  The info is unbelievable incredible to say the least. You will say 'God is great!'

What Your Body Does in a Day:

Sometimes you may feel like your body is beginning to creak and fail you on the outside, but do you ever stop to consider the incredible work that is taking place inside of it? There is so much going on and everything fits together so well, that it's almost impossible to comprehend it. This presentation will remind you that there are miracles going on inside your body every single day.


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Fun & Info @ Keralites.net
 

                                                "Do not regret growing older.  It is a privilege denied to many."

Regards,
V.Suresh

B-83, Sector-27, Noida(U.P.),201301
Mob :+91-9910500219
Landline :0120-4376782


www.keralites.net

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Posted by: Suresh <adidev05@yahoo.com>
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