Some useful tips ...

A picture is worth than thousand words.
  Here I collected  some pics, will surely help you.

Remember Everything with "Evernote". Best note taking app.

So many critics think that more we advanced in the field of technology, more it incurred loss to the nature. But its not true always. Internet brought all the knowledge at our doorstep, and only a click away. Anyways here i am discussing about the Note Taking App. "Evernote" How it helped nature by saving millions of papers for notes, statements and many more.
      Well "Evernote " is an app best suited to those, who are in the habit of taking notes of almost everything. This simple apps replaced our diaries, albums, and CD to store our notes, pics, and voice memos.
        The beauty of Evernote is that it supports and syncs in all the major platofrms like android, iOS, Windows, Blackberry, and S60. Means if we are in love with this app, we need not to stuck with the mobile of particular OS, we are having the liberty to change mobile of any OS, and can retrieve the data of evernote by simple logging in. Evernote taught me to stay organised. In Evernote we can create notebooks and under that stores notes, pics, PDF statements for making them handy. Its available free as well as paid version, In free version it offers 60 MB data every month. and in Paid version it gives 1GB per month.
       There are so many note taking apps in the market. To mention few among them are  "Google Keep" by Google Inc. ,"One note" by Microsoft.  Evernote is well acclaimed by the users and the reviewers.  because of its compatibility in all the major platforms.

There are so many add ons available for evernote which makes it more powerful and alsoenhances the  productivity.

Web clipper :- this add on enable to store any web page or any marked paragraph on page to read it later. Previously  we used to bookmark to refer it later, but the main drawback of bookmark. Is that once the bookmarked page expired then we can't retrieve that page. But in web clipper it saves the content even after the page expires. 

Skitch:- This add on enable to edit the images, add note, annotate, tag, and so on to make it more understandable to others. 

OCR (optical character recognition) :- with this we can turn the hand written text in to machine searchable words. Whenever we required some data from archives in the PDF or jpeg format. We can search PDF files but jpeg format are not searchable. Evernote lets you jpeg files also searchable and quickly organize all your search material, add tags, annotate it and search  for key terms through your raw data in seconds, thanks to ocr feature. 

sss

here is a solution to deal with fake note received from ATM.

In my earlier post I raises the issue how to do in case failed ATM transaction.  Before that I wrote on Facebook wall about how to deal with the fake notes dispensed from ATM, in that I wrote in brief with no citation. Here after searching the RBI site and few financial website i  came up with some citations in endorsement to a common man's justice while dealing with counterfeit currency.
As i told that if a common man receives the counterfeit notes from ATM and he went to exchange it to the concerned branch, that is also treated as tendering the fake notes and a common man has to suffer the police action.
   In that case what a common man do to avoid legal action and to get the fair justice. Here below I mentioned some RBI directives which will bring  some hope .
 please note down the following RBI directives concerned with the fake notes.
    As per RBI’s directive under Section 35A of the Banking Regulation Act, 1949,  & Circular DCM Cir.NPD.3161/09.39.00 dated 19 November 2009 makes it imperative for all scheduled banks that currency in denominations of over Rs100 should be re-issued by banks over their counters or through ATMs only if these banknotes are duly checked for authenticity/genuineness and fitness by machines.
 # Further, in para 127 of the Monetary Policy statement 2012-13, banks have to ensure that currency notes of all sorts received over the counter are re-circulated only after their proper authentication through machines, and to streamline their system in a manner which will make them bear the risk of counterfeit bank notes rather than the common man. Guidelines as per DCM’s circular No. 5063/16.02.22/2011-12 dated 9 May 2012.
Vide para 6 of Master Circular 2012-13 on “Detection and impounding of counterfeit notes”. It is now imperative and mandatory on the part of all banks irrespective of volume of daily cash receipt, to provide the facility of machine processing—and not to put currency notes back into re-circulation without this. Not doing this is in violation of Directive No 3158/09.39.00 (Policy). / 2009-20 dated 19 November 2009. This applies to currency notes dispensed through both teller as well as ATM.
Towards this, the RBI has issued guidelines on “Note Authentication and Fitness Sorting Parameters” in May 2010, which make it contingent on the bank/branch to provide at least one counting machine (with dual display) for public use and all banks/branches to be equipped with ultra-violet lamps or other appropriate banknote sorting / detection equipments.
 Read together, this means that at least for on-site ATMs, a customer should have the facility to check currency notes before accepting them.
 In addition, if you are using ATMs which are off-site (or even on-site) then it is incumbent on the bank/branch under which said ATM operates to ensure that only those currency notes which have been machine sorted are put back into circulation, and issued to customers. This is vide DCM (FNV) No. 5063/16.02.22/2011-12 dated as recently as 9 May 2012. The responsibility even for an off-site ATM and certainly for an on-site ATM lies totally with the branch.

So you can ask your branch whether the bank is in adherence with the above mentioned RBI directives, which is mandatory for the banks.

NOTES:-I endeavored to aware the reader about how to deal in such instances.  few of the matters I extracted from moneyife.com, and some from RBI site...
 

Good news, dont worry if money trapped in failed ATM transaction..

In my earlier post I wrote about the course of action in case of failed ATM transaction. In most case consumer need not go banking ombudsman for justice, almost all the cases of failed ATM transactions are settled by bank itself.  In case bank delayed in settling the amount, causing a lot of inconvenience to consumer since the claimed amount blocked for that period. Now we need not to worry if bank delayed it un necessarily.
  As per RBI circular RBI/2010/11/547 and DPSS.PD. No. 2632/02.10.002/2010-2011 reserve bank of India directed that the failed transaction cases to be sort out by expeditious means. In case bank does not settle the claimed amount within 7 days on receiving the written complaint from consumer, then  penalty of inr 100 per day will be levied on the defaulter bank till such time the case settled.
   So now don't worry on such instances, if gone through such problem, immediately submit the writ complaint to bank and  dont forget to mention the above RBI circular... .  Ha ha bank will see that circular as a threat to them and will rushed to address your problem even after their office hours.....

Click the link below to read the RBI circular.
http://rbi.org.in/scripts/BS_ViewMasCirculardetails.aspx?Id=6437&Mode=0
Stay tuned more info will follow...

Failed ATM trasaction, what to do?

Failed ATM transaction, what to do?


ATM stuck up, or not honored cash but amount debited from account, transaction unsuccessful but amount debited, likewise there are several complaints about ATM discrepancy. If anyone suffers the ATM discrepancy then first ensure through the statement whether the amount is really deducted from account. If so then visit your parent branch and make a written complaint about this and obtain the acknowledgement.(Issuing Bank - The bank that issued your ATM/Debit Card) to be mentioned in complaint.
  Wait for 30 days for banks response. If there is no response from bank after 30 days. You  can approach banking ombudsman. One can make complaint through online, through post , by physically submission. While approaching banking ombudsman give all the particulars of your transaction in your complaint to BO, such as:
1. Your bank, account number, and branch (where you have your account)
 2. Name of the bank whose ATM was used and ATM location
 3. Date and time of transaction
 4. Amount of attempted withdrawal
 5. Amount actually dispensed (if dispensed less amount) or no cash dispensed
 6. Copy of the transaction slip
 7. Details of your complaint / complaints to your own bank and acquiring bank and their response, etc.
 8. Your Name, Address, Phone Number, and Email ID clearly in your complaint so that BO staff can contact you in case of need.

Important:
 Do not file complaint before Banking Ombudsman through a lawyer. Such complaints are not eligible and are straight away rejected, and do not file complaint before a Consumer Forum before going to Banking Ombudsman. If your complaint is pending before a Consumer Forum or any Court of Law, Banking Ombudsman will reject your complaint.

Addresses of offices of Banking Ombudsman and their areas of operation are given in the below link.
http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=164
  Link for online complaint facility is available here below
https://secweb.rbi.org.in/BO/precompltindex.htm
 File your complaint as soon as possible after getting a response from your bank. However, if your bank does not respond, you need to wait at least for 30 days before approaching the BO.
Note:-  If justice not received from banking ombudsman also there is a provision to knock the doors of consumer court.
 

How to make your mobile faster in performance

We always experienced that the speed of our mobile slowed down considerably whereas earlier it has a good speed . Over a period of time our device lags behind in performance, if we follow the following few points we can improve its performance. Here is how. 

1. Delete or disable unused apps. 

Most of the time we install so many free apps but hardly used all the apps. Mark those apps which we do not used or rarely used and either uninstal or delete the same. 

2. Freed up the internal memory 

Cell phones are having limited internal memory, less free space in internal memory will ultimately slowed down the handset performance . To clean up the internal memory move the apps or data from internal storage to external microsd card if your device supports expandable memory. If device doesn't support expandable memory then you can move the apps and data to any cloud storage. There are so many cloud storage service in the market which  offered free of cost viz Google drive, skydrive, dropbox. 

3. limit the widgets and live wallpaper 

so many widgets and live wallpaper on the homescreen not only affect the performance but also eat away battery life. No doubt widgets saves our time and keep your apps handy, but considering its impact on performance and battery life its wise to limit the widgets on homescreen. To move your widgets from homescreen simply press long on the widget and drag it above the screen. 

Thus follow the above tips n enjoy the improved performance .... Stay tuned...

HOW TO HIDE ALL OPENED TABS WHILE ON WORK

    We always used to surf internet other than work related  websites in office hours. Most of the times employees are seen online on facebook in office hours. If we open more tabs and suddenly boss came to your table on seeing this you may fired.  Now Google Chrome add on came to our rescue, by clicking "Panic Button" we can hide all tabs only your work related site remains open . If we feel that no one is spying around we can restore the session by clicking again the "Panic Button".
       All we have to do is install "panic button" add on, and configure the website which should remain open ... No doubt ..Work related.   You can hide the tabs by clicking "Panic Button" or by double clicking ESC button.

      So go online while on work and show your boss how you are devoted.....
Stay tuned   for more tips n trickz..