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the UK, Germany and France, bank customers have access to all ATMs in the country free of charge, except when cash is withdrawn from white label ATMs or from ATMs managed by nonbank entities.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

English can be really complex

English can be so complex to understand sometimes! Read the paragraph
below... and try to understand the meaning.

"Two individuals proceeded towards the apex of a natural geologic
protuberance, the purpose of their expedition being the procurement of a
sample of fluid hydride of oxygen in a large vessel, the exact size of
which was unspecified.

One member of the team precipitously descended, sustaining severe damage
to the upper cranial portion of his anatomical structure; subsequently
the second member of the team performed a self-rotational translation
oriented in the same direction taken by the first team member."

ANY GUESSES WHAT IS IT ALL ABOUT?

If you find it difficult to comprehend scroll below for the answer:

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Jack and Jill went up the hill
To fetch a pail of water
Jack fell down and broke his crown,
And Jill came tumbling after! :) :) :)

Village English

Bholaji is the english teacher in a school. He is very well renowned for all his students do very well in exams. The school is having an inspection and the inspector decided to visit the english class.This is what transpires :

Bholaji : "Bolo bachon GADHA"
Students (in chorous) : "GADHA "

Bholaji : "Bolo bachon GADHA , GADHE KE PECHE GADHA"
Students (in chorous) : "GADHA , GADHE KE PECHE GADHA"

Bholaji : "Bolo bachon GADHA , GADHE KE PECHE GADHA, GADHE KE PECHE MEIN"
Students (in chorous) : "GADHA , GADHE KE PECHE GADHA , GADHE KE PECHE MEIN"

Bholaji : "Bolo bachon GADHA , GADHE KE PECHE GADHA, GADHE KE PECHE MEIN, MERE PECHE SAARA DESH"
Students (in chorous) : "GADHA , GADHE KE PECHE GADHA , GADHE KE PECHE MAI AUR MERE PECHE SAARA DESH"

By this time the inspector is furious. He confronts the principal and shouts at him "What is this Bholaji teaching his students. He is supposed to be taking an english class and what he is saying is GADHA, GADHE KE PECHE GADHA , GADHE KE PECHE MAI AUR MERE PECHE SAARA DESH.

The principal too is shocked, the famous english teacher doing this.
Principal : "Bholaji what nonsense are you telling these students "GADHA, GADHE KE PECHE GADHA, GADHE KE PECHE MAI AUR MERE PECHE SAARA DESH".
Bholaji : "Yes i was telling all this in class, but i was only teaching the students the spelling of ASSASSINATION. ASS - ASS - I - NATION (GADHA , GADHE KE PECHE GADHA , GADHE KE PECHE MAI AUR MERE PECHE SAARA DESH)

American's expectations- Japanese Perfection :)

A computer giant decided to have some parts manufactured in Japan as a trial project. In the specifications, they set out that they will accept three defective parts per 10,000.

When the delivery came in there was an accompanying letter.

"We, Japanese people, had a hard time understanding North American business practices.

But the three defective parts per 10,000 have been separately manufactured and have been included in the consignment.

Hope this pleases you."

Think out of box

Below are the Interview Questions, which were asked in HR Round.....


No one will GET second chance to impress....

Very very Impressive Questions and Answers..... ...

Question 1:

You are driving along in your car on a wild, stormy night, it's raining heavily, when suddenly you pass by a bus stop, and you see three people waiting for a bus:


An old lady who looks as if she is about to die.
An old friend who once saved your life.
The perfect partner you have been dreaming about.

Which one would you choose to offer a ride to, knowing very well that there could only be one passenger in your car?

This is a moral/ethical dilemma that was once actually used as part of a job application.

* You could pick up the old lady, because she is going to die, and thus you should save her first;
* or you could take the old friend because he once saved your life, and this would be the perfect chance to ! pay him back.
* However, you may never be able to find your perfect mate again.

The candidate who was hired (out of 200 applicants) had no trouble coming up with his answer. Guess what was his answer?

He simply answered:
"I would give the car keys to my Old friend and let him take the lady to the hospital. I would stay behind and wait for the bus with the partner of my dreams."
Sometimes, we gain more if we are able to give up our stubborn thought limitations. Never forget to "Think Outside of the Box."


Question 2: What will you do if I run away with your sister?"

The candidate who was selected answered " I will not get a better match for my sister than you sir"

Question 3 : Interviewer (to a student girl candidate) - What is one morning you woke up & found that you were pregnant.

Girl - I will be very excited and take an off, to celebrate with my husband.

Normally an unmarried girl will be shocked to hear this, but she managed it well. Why I should think it in the wrong way, she said later when asked

Question 4: Interviewer: He ordered a cup of coffee for the candidate. Coffee arrived kept before the candidate, then he asked what is before you?

Candidate: Instantly replied "Tea"

He got selected.
You know how and why did he say "TEA" when he knows very well that coffee was kept before.

(Answer: The question was "What is before you (U - alphabet)
Reply was "TEA" ( T - alphabet) Alphabet "T" was before Alphabet "U"

Question 5 : Where Lord Rama would have celebrated his "First Diwali"? People will start thinking of Ayodya, Mitila [Janaki's place], Lanka etc...

But the logic is, Diwali was a celebrated as a mark of Lord Krishna Killing Narakasura. In Dusavataar, Krishnavathaar comes after Raamavathaar.

So, Lord Rama would not have celebrated the Diwali At all!

Question 6:

The interviewer asked to the candidate "This is your last question of the interview. Please tell me the exact position of the center of this table where u have kept your files."

Candidate confidently put one of his finger at some point at the table and told that this was the central point at the table. Interviewer asked how did u get to know that this being the central point of this table, then he answers quickly that sir u r not likely to ask any more question, as it was the last question that u promised to ask.....

And hence, he was selected as because of his quick-wittedness. ..........


This is What is what is expected from all of us "THINK OUTSIDE OF THE BOX"