Tuesday, 9 September 2014

[www.keralites.net] Sleepy dog - A joke [1 Attachment]

 

GOOD MORNING FRIENDS
 
https://www.youtube.com/watch?v=kyvkwC4hv1s#t=34
 

 

 

 
http://youtu.be/-6BSAplLFvc - Great relaxing saxophone music by Sam Levine

 

 

 

 

 

 
An older, tired-looking dog wandered into my yard. I could tell from his collar and well-fed belly that he had a home and was well taken care of.
 

 
He calmly came over to me, I gave him a few pats on his head. He then followed me into my house, slowly walked down the hall, curled up in the corner and fell asleep.
 

 
An hour later, he went to the door, and I let him out.
 

 
The next day he was back, greeted me in my yard, walked inside and resumed his spot in the hall and again slept for about an hour.
 

 
This continued off and on for several weeks.
 

 
Curious I pinned a note to his collar: 'I would like to find out who the owner of this wonderful sweet dog is and ask if you are aware that almost every afternoon your dog comes to my house for a nap.'
 

 
The next day he arrived for his nap, with a different note pinned to his collar: 'He lives in a home, with my non stop chatting and nagging wife, he's trying to catch up on his sleep. .....Can I too come with him tomorrow?  
www.keralites.net

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Posted by: Murli dhar Gupta <mdguptabpl@gmail.com>
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[www.keralites.net] Micro Art Drawing

 

Micro art over swan feather

Source: mesutkul.com
The Art of Mesut Kul – Micro Art

Micro art over pumpkin seed

Source: mesutkul.com
The Art of Mesut Kul – Micro Art

Micro art over bee

Source: mesutkul.com
The Art of Mesut Kul – Micro Art

Micro art over butterfly

Source: mesutkul.com
The Art of Mesut Kul – Micro Art

Micro art over cashew

Source: mesutkul.com
The Art of Mesut Kul – Micro Art

Micro art over sunflower seed

Source: mesutkul.com
The Art of Mesut Kul – Micro Art

Micro art over feather

Source: mesutkul.com
The Art of Mesut Kul – Micro Art

Micro art over pocket watch

Source: mesutkul.com
The Art of Mesut Kul – Micro Art

Micro art over rice

Source: mesutkul.com
The Art of Mesut Kul – Micro Art

Micro art over noodles

Source: mesutkul.com
The Art of Mesut Kul – Micro Art

Micro art over hairline

 
Source: mesutkul.com
The Art of Mesut Kul – Micro Art
www.keralites.net

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Posted by: Fereshteh Jamshidi <fayjay81@yahoo.com>
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[www.keralites.net] Many people have a habit of withdrawing small amounts of money from the ATM to curb spending tendencies, but often end up with a high frequency of withdrawals. There are some others who are reluctant to use net banking or mobile bank

 

 
 
  • RBI restricts ATM transaction from Nov. 1
India Newzstreet  0:54
  • Many people have a habit of withdrawing small amounts of money from the ATM to curb spending tendencies, but often end up with a high frequency of withdrawals. There are some others who are reluctant to use net banking or mobile banking facilities and depend on ATMs for checking account balance. If you happen to […]View Photo
Many people have a habit of withdrawing small amounts of money from the ATM to curb spending tendencies, but often end up with a high frequency of withdrawals. There are some others who are reluctant to use net banking or mobile banking facilities and depend on ATMs for checking account balance. If you happen to […]
People standing in queue for ATM withdrawals
ATM Transactions
 
Many people have a habit of withdrawing small amounts of money from the ATM to curb spending tendencies, but often end up with a high frequency of withdrawals. There are some others who are reluctant to use net banking or mobile banking facilities and depend on ATMs for checking account balance. If you happen to fall into any of these categories, it's time to change your habit for good as RBI has issued new rules and guidelines limiting the number of times you use your ATM in a month. The new ATM transaction rules issued by the Reserve Bank of India is applicable to all ATM transactions including withdrawing cash, checking account balance or getting a mini account statement.
 
New RBI ATM Transaction Rules:
According to the new RBI guidelines that come into effect from 1st November 2014, savings bank account holders in metropolitan cities would be allowed only three transactions from ATMs of other banks and five from the same bank in a month. For any ATM transaction above the stipulated limit, a transaction fee of Rs. 20 would be charged to the account holder. The new transaction fee is applicable only for people living in six metropolitan cities including Mumbai, Delhi, Bengaluru, Chennai, Hyderabad and Kolkata. People living in smaller towns and other centers would continue to enjoy five free monthly transactions per month from the ATM of other banks and the charges for them include Rs. 20 for each cash withdrawal and Rs 9 for non-cash transactions. Account holders of zero balance and other no-frills accounts in non metros are exempted from such transaction charges as of now.
 
What new Rules Mean for Bank Customers:
The transaction fee has been increased from the earlier limit of Rs. 15 and the number of free transactions decreased from five to three for ATMs of other banks. Another important change in the new RBI guideline policy for ATM transaction fee is the fact that all ATM transactions including cash withdrawal, balance enquiry and changing of PIN number etc would be considered as an ATM transaction unlike in the past when balance enquiry was not considered a transaction as such!
 
A Case for Capping ATM Transaction Limit:
While capping the charges for ATM usage may be an unpopular decision taken by the Reserve Bank of India, the limit in free transactions is justified by the apex body considering high expenses for managing ATMs across the country. With an increasing number of robbery attempts on various ATMs especially in isolated areas and in semi urban and rural areas, the banks have been forced to shell out funds to install a security mechanism apart from using CCTVs and manual security guards wherever possible.
With the Reserve Bank of India laying down strict security guidelines not to leave any ATM unmanned or without security cameras and other measures, banks are facing higher overheads to manage the ATMs.
The inter banking fee charged by various banks through ATM services will also increase since banks are using the fee as an incentive to install more number of ATM machines. While all the above reasons have played their role in the decision to some extent the game clincher has been Reserve Bank of India's long term plan to promote the use of e-transfers and cashless transactions as much as possible to avoid the use of any black money in the system. The rise in ATM transaction fee is largely seen by financial experts as a sum culmination of all of the above factors.
 
Tips to bypass ATM Usage Limit:
Since the new RBI rules on ATM transaction limits are likely to affect a vast majority of people, here are some tips individual account holders can use to avoid the fee hike.
  • Avoid cash transactions whenever possible:  If you are one of those individuals using cash transactions for every purchase and other financial transactions, it is time to explore other ways. The use of electronic funds transfer, credit and debit cards, cheques and demand drafts must be explored for financial transactions than using cash all the time.
  • Change the habit of withdrawing smaller amounts:  With an increase in the ATM transaction fee make sure you avoid withdrawing small multiple amounts.
  • Visit bank branch for cash withdrawals: If withdrawing large amount of cash, you are better off visiting the bank branch rather than the ATM. Visiting the bank branch may be slightly inconvenient,  but it is a good idea to visit the bank branch to avoid the ATM transaction fee. Having said that, if this type of transaction happens once in a while, no harm in paying the charge versus waiting for your turn at the bank, if that is indeed the case.
  • Use online banking for statement: A lot of people use ATMs for checking their account statement or to get a print of recent transactions or mini statement.  Since ATM transactions count the number of visits even if it was for checking of account statement and not cash withdrawal, it is a good idea to use the internet banking facility for checking of account statement rather than the ATM machine.
A comparison of ATM usage charges:
For people living in metropolitan cities including Mumbai, Delhi, Bengaluru, Chennai, Hyderabad and Kolkata:
Bank
Transaction Type
Transaction Limit
Same Bank
• Cash Withdrawal
• Balance Enquiry
• Change of PIN
• Mini Statement
5 free transactions per month. Additional transaction will be charged at Rs. 20 per transaction.
Different Bank
• Cash Withdrawal
• Balance Enquiry
• Change of PIN
• Mini Statement
3 free transactions per month. Additional transaction will be charged at Rs. 20 per transaction.
For people living in non metropolitan cities, smaller towns and holders of zero balance and other no-frills accounts: 
Bank
Transaction Type
Transaction Limit
Same Bank
• Cash Withdrawal
• Balance Enquiry
• Change of PIN
• Mini Statement
5 free transactions per month.Rs. 20 is applicable for each cash withdrawal and Rs 9 for non-cash transactions.
Different Bank
• Cash Withdrawal
• Balance Enquiry
• Change of PIN
• Mini Statement
5 free transactions per month. Rs. 20 is applicable for each cash withdrawal and Rs 9 fo
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Posted by: prasannam n <iampresanam@yahoo.co.in>
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