NEw title

After long time...

It’s official, banks won’t charge you for ATM balance enquiry and only 20 bucks for withdrawal at other banks atm

Free Use Of Third-Party ATMs To Come Into Effect From April 2009, Banks To Share Transaction Cost

Our Bureau MUMBAI

IN JUST over a year from now, bank customers can freely use their ATM cards to withdraw cash from any ATM installed by various commercial banks across the country. For now, they can access any of the 32,000-odd ATMs of various banks free of transaction charge for balance enquiry. Also with immediate effect, the Reserve Bank of India (RBI) has barred banks from charging any fees for customers using their own banks’ ATMs and cut charges on withdrawal from third-party ATMs to Rs 20 per transaction. With RBI issuing a diktat that the cost of using third-party ATMs can’t be passed on to consumers, banks will have to work out some kind of a transfer-pricing structure to defray the costs of those banks that have made huge capital expenditure. ATM service providers say that banks will have to work out the cost of each ATM transaction and net out the charges they have to pay each other based on their network usage.

Since RBI has not got into the details of how the costs will be shared, banks will have to decide amongst themselves a middle path where banks are not completely discouraged from installing new ATMs and yet banks without any network are not fleeced. In a circular issued to all commercial banks and RRBs, RBI said, “The (ATM) charges levied on the customers vary from bank to bank and also vary according to the ATM network that is used for the transaction. Consequently, a customer is not aware, before hand, of the charges that will be levied for a particular ATM transaction while using an ATM of another bank. This generally discourages the customer from using the ATMs of other banks. It is, therefore, essential to ensure greater transparency.”

The central bank went on to say that in countries such as the UK, Germany and France, bank customers have access to all ATMs in the country free of charge, except when cash is withdrawn from white label ATMs or from ATMs managed by nonbank entities. “There is also a move, internationally, to regulate the fee structure by the regulator from the public policy angle. The ideal situation is that a customer should be able to access any ATM installed in the country free of charge through an equitable cooperative initiative by banks,” the circular said. The service charges for the following types of cash withdrawal transactions may be determined by banks themselves. The central bank has clarified that these guidelines do not apply to cash withdrawal with the use of credit cards and for cash withdrawal in an ATM located abroad.

change your mood

How often do you let other people's nonsense change your mood?

Do you let a bad driver, rude waiter, curt boss, or an insensitive employee ruin your day? Unless you're the Terminator, for an instant you're probably set back on your heels. However, the mark of a successful person is how quickly one can get back their focus on what's important.

Sixteen years ago I learned this lesson. I learned it in the back of a New York City taxi cab. Here's what happened.

I hopped in a taxi, and we took off for Grand Central Station. We were driving in the right lane when, all of a sudden, a black car jumped out of a parking space right in front of us. My taxi driver slammed on his breaks, skidded, and missed the other car's back end by just inches!

The driver of the other car, the guy who almost caused a big accident, whipped his head around and he started yelling bad words at us. My taxi driver just smiled and waved at the guy. And I mean, he was friendly. So, I said, "Why did you just do that? This guy almost ruined your car and sent us to the hospital!"

And this is when my taxi driver told me what I now call, "The Law of the Garbage Truck."

"Many people are like garbage trucks. They run around full of garbage, full of frustration, full of anger, and full of disappointment. As their garbage piles up, they need a place to dump it. And if you let them, they'll dump it on you.

When someone wants to dump on you, don't take it personally. You just smile, wave, wish them well, and move on. You'll be happy you did."

So this was it: The "Law of the Garbage Truck." I started thinking, how often do I let Garbage Trucks run right over me? And how often do I take their garbage and spread it to other people: at work, at home, on the streets? It was that day I said, "I'm not going to do it anymore."

I began to see garbage trucks. Like in the movie "The Sixth Sense," the little boy said, "I see Dead People."

Well, now "I see Garbage Trucks." I see the load they're carrying. I see them coming to drop it off. And like my Taxi Driver, I don't make it a personal thing; I just smile, wave, wish them well, and I move on.

One of my favorite football players of all time, Walter Payton, did this every day on the football field. He would jump up as quickly as he hit the ground after being tackled. He never dwelled on a hit. Payton was ready to make the next play his best. Good leaders know they have to be ready for their next meeting.

Good parents know that they have to welcome their children home from school with hugs and kisses.
Leaders and parents know that they have to be fully present, and at their best for the people they care about.

The bottom line is that successful people do not let Garbage Trucks take over their day.

What about you? What would happen in your life, starting today, if you let more garbage trucks pass you by?

Here's my bet. You'll be happier.

Life's too short to wake up in the morning with regrets, so. Love the people who treat you right. Forget about the ones who don't. Believe that everything happens for a reason. If you get a chance , TAKE IT!
If it changes your life , LET IT!
Nobody said it would be easy...
They just promised it would be worth it!

Have a Break

Question-

IF 1 = 5

2 = 25

3 = 125

4 = 625

5 = ?

Please think twice before scrolling

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Answer = 1

REMEMBER THE FIRST LINE.

1 = 5

MORAL OF THE PROBLEM:

DON'T COMPLICATE SIMPLE PROBLEMS IN LIFE

Software Engineer Zameen Pe......Every Engineer is special

Software Engineer Zameen Pe......Every Engineer is special!!!!!

*Main kabhi batlaata nahi ,*
*Par coding se darta hoon main PM*
*Yun to main, dikhlata nahi,*
*Par Bench par jana chahta hoon main PM*
*Aapko sab hai pata,hai na PM*
*Aapko sab hai pata, mere PM*
*Issues mein yun na chhodo mujhe,*
*Ghar laut kar bhi jaa na paun PM*
*Bhejte kyun nahi Onsite Mujhko aap,*
*Yaad bhi aapko aa na paun PM,*
*Kya itna dumb hoon main PM,*
*Kya itna dumb mere PM*
*Jab bhi kabhi Onsite mujhe,*
*Dher saari kaam deta hai*
*Meri nazar Dhoondhe aapko*
*Sochu yunhi aap aakar work distribute karoge PM*
*Unse main yeh kehta nahi,*
*Par testing se pak jata hoon PM*
*Chehre pe aane deta nahi,*
*Company chhod kar bhaag jana chahta hoon PM*
*Aapko sab hai pata,hai na PM*
*Aapko sab hai pata, mere PM*

3 OLD MEN joke

Three old men are at the doctor for a memory test. The doctor says to the first old man, "What is three times three?"

"274" was his reply.

The doctor worriedly says to the second man, "It's your turn. What is three times three?"

"Tuesday" replies the second man.

The doctor sadly says to the third man, "Okay, your turn. What's three times three"?

"Nine" says the third man.

"That's great!" exclaims the doctor. "How did you get that"?

"Jeez, Doc, it's pretty simple," says the third man. " I knew that, both are wrong. So, just subtracted 274 from Tuesday."

what sort of marriage you will be having

Hi,

Choose a number between 1 and 7 and know what sort of marriage you will be having...... ......


get ready....


think abt the no.






Ok wait now..


























u'r sure right??????? ?




























don change your mind again....... .. .....




















is it done???????? ??





























Ok here goes the result:
(place the pointer of mouse in front of number u have thought and drag it to right side.)

1. Arranged Marriage

2. No Marriage(Oops! )
3. Love Marriage
4. Love+Arranged Marriage
5. Marriage With Friend
6. You will have more than one marriage(Great! !-Please invite me for all)
7. Y ou'll go against your parents and marry