Human nature generally resists CHANGE.
CHANGE is uncomfortable.
Regardless of its positive or negative effect, CHANGE can be stressful. Some times we get so
comfortable with negativity that even when the CHANGE is for the better, we
don't want to accept it. We stay with the negative.
** CHANGE IT.**
# Look for the positive.
# Make a habit of doing it now.
# Create a continuous education program for yourself.
# Build positive self-esteem.
# Stay away from negative influences.
# Learn to like the things that need to be done.
Change is a nature of life. But CHALLENGE is a aim of life.
So you have to
CHALLENGE THE CHANGES,
NOT TO CHANGE THE CHALLENGES....
Monday, September 20, 2010
Tuesday, August 31, 2010
Focus on Solutions
The Difference between Focusing on Problems, and Focusing on Solutions:
When NASA began the launch of astronauts into space, they found out that the pens wouldn't work at zero gravity. (Ink won't flow down to the writing surface) In order to solve this problem, they hired a Consulting Firm.
It took them one decade and 12 million dollars. They developed a pen that worked at zero gravity, upside down, under water, in practically any surface including crystal and in a temperature range from below freezing to over 300 degrees C.
The Russians used a pencil...
Monday, August 23, 2010
TWO WOLVES INSIDE US
One evening an old Cherokee told his grandson about a battle that goes on inside people.
He said, "My son, the battle is between 2 wolves inside us all."
"One is Evil. It is anger, envy, jealousy, sorrow, regret, greed, arrogance, self-pity, guilt, resentment, inferiority, lies, false pride, superiority, and ego."
"The other is Good. It is joy, peace, love, hope, serenity, humility, kindness, benevolence, empathy, generosity, truth, compassion and faith."
The grandson thought about it for a minute and then asked his grandfather Which wolf wins?
The old Cherokee simply replied, "The one you feed."
Sunday, August 15, 2010
Saturday, August 14, 2010
A Short Story...
One day, a poor boy who was selling goods from door to door to pay his
way through school, found he had only one thin dime left, and he was
hungry.
He decided he would ask for a meal at the next house. However, he lost
his nerve when a lovely young woman opened the door. Instead of a meal he asked for a drink of water. She thought he looked hungry so brought him a large glass of milk. He drank it slowly, and then asked, "How much do I owe you?"
"You don't owe me anything," she replied "Mother has taught us never to
accept payment for a kindness." He said... "Then I thank you from my
heart."
As Howard Kelly left that house, he not only felt; stronger physically,
but his faith in God and man was strong also. He had been ready to give
up and quit.
Years later that young woman became critically ill. The local doctors
were baffled. They finally sent her to the big city, where they called in
specialists to study her rare disease. Dr. Howard Kelly was called in
for the consultation. When he heard the name of the town she came from, a strange light filled his eyes.
Immediately he rose and went down the hall of the hospital to her room.
Dressed in his doctor's gown he we nt in to see her. He recognized her
at once. He went back to the consultation room determined to do his best
to save her life. From that day he gave special attention to the case.
After a long struggle, the battle was won. Dr. Kelly requested the
business office to pass the final bill to him for approval. He looked
at it, then wrote something on the edge and the bill was sent to her room.
She feared to open it, for she was sure it would take the rest of her
life to pay for it all. Finally, she looked, and something caught; her
attention on the side as She read these words.....
"Paid in full with one glass of milk." (Signed) Dr. Howard Kelly.
Tears of joy flooded her eyes as her happy heart prayed: "Thank You,
GOD, that Your love has spread abroad through human hearts and hands."
way through school, found he had only one thin dime left, and he was
hungry.
He decided he would ask for a meal at the next house. However, he lost
his nerve when a lovely young woman opened the door. Instead of a meal he asked for a drink of water. She thought he looked hungry so brought him a large glass of milk. He drank it slowly, and then asked, "How much do I owe you?"
"You don't owe me anything," she replied "Mother has taught us never to
accept payment for a kindness." He said... "Then I thank you from my
heart."
As Howard Kelly left that house, he not only felt; stronger physically,
but his faith in God and man was strong also. He had been ready to give
up and quit.
Years later that young woman became critically ill. The local doctors
were baffled. They finally sent her to the big city, where they called in
specialists to study her rare disease. Dr. Howard Kelly was called in
for the consultation. When he heard the name of the town she came from, a strange light filled his eyes.
Immediately he rose and went down the hall of the hospital to her room.
Dressed in his doctor's gown he we nt in to see her. He recognized her
at once. He went back to the consultation room determined to do his best
to save her life. From that day he gave special attention to the case.
After a long struggle, the battle was won. Dr. Kelly requested the
business office to pass the final bill to him for approval. He looked
at it, then wrote something on the edge and the bill was sent to her room.
She feared to open it, for she was sure it would take the rest of her
life to pay for it all. Finally, she looked, and something caught; her
attention on the side as She read these words.....
"Paid in full with one glass of milk." (Signed) Dr. Howard Kelly.
Tears of joy flooded her eyes as her happy heart prayed: "Thank You,
GOD, that Your love has spread abroad through human hearts and hands."
Tuesday, August 10, 2010
Wednesday, July 28, 2010
Osho - Life is a dream
Osho :
You do not exist even in dream. You must sometimes have dreamed a dream within a dream. You dream that you are going to bed, you have fallen asleep and you are dreaming a dream.
There is an old Chinese story: A woodcutter was cutting wood in a jungle. He was tired, so he came down from the tree and fell asleep. He dreamed that nearby lay buried a great treasure of diamonds and gold in huge pots that were lightly covered with dirt. In his dream he thought that he would come at night and remove the treasure quietly.
If he removed it in the daytime he might be caught. Hewas a poor man and the treasure was worth millions. When he awoke, he buried a stick to mark the place and returned home. When it became dark, he went back to the spot. He found the stick in place but the pots had been removed. He went back and told his wife, ”I don’t understand whether I dreamed about the treasure or actually saw it. The stick is there all right, and there are holes where the pots were, so it is certainly not just a dream. But someone has removed the pots.”
His wife replied, ”It must be a dream. You must also have dreamed that you went out at night and saw the stick in the ground, and that there was an empty place where the pots were supposed to be. So go back to sleep and sleep in peace.” But it happened that another man also dreamed that he saw these very pots buried in the same place, and that a woodcutter had buried a stick to mark the place. When he got up from his sleep he ran to the place. He found the stick in the ground and also the vessels underneath!
He removed the pots and brought them home. He told his wife, ”I cannot understand whether I dreamed a dream or I actually saw a vision. Whatever it is, I have brought the pots home. They are proof that it is not just a dream. I must actually have seen the woodcutter burying the stick and therefore I knew where the treasure was.” His wife said, ”The pots are here. That much is clear. But if you actually saw the woodcutter marking the spot, it isn’t right that we should keep this treasure.
Take the pots to the king and let him decide.” He was an honest man, so he took the pots to the king’s court where the woodcutter had already lodged a complaint. The king was perplexed. Finally he told them, ”It is very difficult to decide whether you were asleep or awake, so I shall divide the treasure equally between you both, for the pots are very much there.” So he divided the treasure between them. That night the king told his wife, ”A very strange thing happened today: Two men dreamed the same dream.
Now it is difficult to decide whether they dreamed or whether they really saw the treasure. But the pots of treasure were actually there, so I divided them equally between them.” The queen said, ”Go to sleep, you must be dreaming.” For thousands of years this was discussed in China – did they dream it or not? Who actually dreamed? But this is what happens by the time we reach the end of life. All of life seems like a dream. It is difficult to decide whether the stick was really there and whether the pots were really buried;
whether the wife and children ever existed, or friends and foes; whether there was poverty or riches; whether there was conflict and competition; whether we really lost or won, were successful or unsuccessful. At the time of death all events pass before a man like a dream. Did we really live, or was it only a dream? Those who have known say, ”This is a dream dreamed with open eyes.” It is a dream because it has no relation to that which is. This is an intermediary state of imagination; it is merely a thought.
It makes no difference whether you saw it when asleep or when awake. The characteristic of a dream is that it is here one moment and gone the next. At the time of death all is lost. Within this dream you see another dream that is called the ego. You consider yourself the doer, the author of the dreams. You are filled with conceit, which all the world can see; only you do not see it. Everyone else is in the same state, never seeing their own, but seeing everyone else’s ego
Source: "The True Name, Vol 2 " - Osho
You do not exist even in dream. You must sometimes have dreamed a dream within a dream. You dream that you are going to bed, you have fallen asleep and you are dreaming a dream.
There is an old Chinese story: A woodcutter was cutting wood in a jungle. He was tired, so he came down from the tree and fell asleep. He dreamed that nearby lay buried a great treasure of diamonds and gold in huge pots that were lightly covered with dirt. In his dream he thought that he would come at night and remove the treasure quietly.
If he removed it in the daytime he might be caught. Hewas a poor man and the treasure was worth millions. When he awoke, he buried a stick to mark the place and returned home. When it became dark, he went back to the spot. He found the stick in place but the pots had been removed. He went back and told his wife, ”I don’t understand whether I dreamed about the treasure or actually saw it. The stick is there all right, and there are holes where the pots were, so it is certainly not just a dream. But someone has removed the pots.”
His wife replied, ”It must be a dream. You must also have dreamed that you went out at night and saw the stick in the ground, and that there was an empty place where the pots were supposed to be. So go back to sleep and sleep in peace.” But it happened that another man also dreamed that he saw these very pots buried in the same place, and that a woodcutter had buried a stick to mark the place. When he got up from his sleep he ran to the place. He found the stick in the ground and also the vessels underneath!
He removed the pots and brought them home. He told his wife, ”I cannot understand whether I dreamed a dream or I actually saw a vision. Whatever it is, I have brought the pots home. They are proof that it is not just a dream. I must actually have seen the woodcutter burying the stick and therefore I knew where the treasure was.” His wife said, ”The pots are here. That much is clear. But if you actually saw the woodcutter marking the spot, it isn’t right that we should keep this treasure.
Take the pots to the king and let him decide.” He was an honest man, so he took the pots to the king’s court where the woodcutter had already lodged a complaint. The king was perplexed. Finally he told them, ”It is very difficult to decide whether you were asleep or awake, so I shall divide the treasure equally between you both, for the pots are very much there.” So he divided the treasure between them. That night the king told his wife, ”A very strange thing happened today: Two men dreamed the same dream.
Now it is difficult to decide whether they dreamed or whether they really saw the treasure. But the pots of treasure were actually there, so I divided them equally between them.” The queen said, ”Go to sleep, you must be dreaming.” For thousands of years this was discussed in China – did they dream it or not? Who actually dreamed? But this is what happens by the time we reach the end of life. All of life seems like a dream. It is difficult to decide whether the stick was really there and whether the pots were really buried;
whether the wife and children ever existed, or friends and foes; whether there was poverty or riches; whether there was conflict and competition; whether we really lost or won, were successful or unsuccessful. At the time of death all events pass before a man like a dream. Did we really live, or was it only a dream? Those who have known say, ”This is a dream dreamed with open eyes.” It is a dream because it has no relation to that which is. This is an intermediary state of imagination; it is merely a thought.
It makes no difference whether you saw it when asleep or when awake. The characteristic of a dream is that it is here one moment and gone the next. At the time of death all is lost. Within this dream you see another dream that is called the ego. You consider yourself the doer, the author of the dreams. You are filled with conceit, which all the world can see; only you do not see it. Everyone else is in the same state, never seeing their own, but seeing everyone else’s ego
Source: "The True Name, Vol 2 " - Osho
Tuesday, July 6, 2010
How Induction Stove Works?
INDUCTION
Induction is a method, completely different from all other cooking technologies-- it does not involve generating heat which is then transferred to the cooking vessel, it makes the cooking vessel itself the original generator of the cooking heat.
How Induction Stove Works?
1. The element's electronics power a coil (the red lines) that produces a high-frequency electromagnetic field.
2. That field penetrates the metal of the ferrous (magnetic-material) cooking vessel and sets up a circulating electric current, which generates heat.
3. The heat generated in the cooking vessel is transferred to the vessel's contents.
4. Nothing outside the vessel is affected by the field--as soon as the vessel is removed from the element, or the element turned off, heat generation stops.
In Detail
An induction cooker uses a type of induction heating for cooking. It is chiefly distinguished from other common forms of cooking by the fact that the heat is generated directly in the cooking vessel.
A coil of copper wire is placed underneath the cooking pot. An alternating electric current is made to flow through the coil, which produces an oscillating magnetic field which creates heat in the cooking vessel over it, which must be made of a magnetic material (ferromagnetic) and electrically conductive, in two different ways.
Principally, it induces an electric current in the pot, which produces resistive heating proportional to the square of the current and to the electrical resistance of the vessel. Secondly, it also creates magnetic hysteresis losses in the pot due to its ferromagnetic nature.
Induction cookers are faster and more energy-efficient than traditional electric cooktops; moreover, they allow instant control of cooking energy, which no energy source other than gas offers. Because induction heats the cooking vessel itself, the possibility of burn injury is significantly less than with other methods: only skin contact with the cooking vessel itself (or, when high heat has been used, the stovetop for a while after the vessel has been removed) can cause harm. There are not the high temperatures of flames or red-hot electric heating elements found in traditional cooking equipment, which generates heat independent of the cooking vessel. Further, induction cookers do not themselves warm the surrounding air, resulting in further energy efficiencies.
Since heat is being generated by an induced electric current, the unit can detect whether cookware is present (or whether its contents have boiled dry) by monitoring the voltage drop caused by resistance in the circuit (which reflects how much energy is being absorbed). That allows such functions as keeping a pot at minimal boil or automatically turning an element off when cookware is removed from it.
Advantages of Induction Stoves
- Less electricity is wasted compared with a conventional hot plate.
- The kitchen is heated up less by waste heat.
- The bottom of the pan is not burned by the stove and stays clean.
- Food spills and boil-overs aren't burned on to the stove and are easily wiped off. Most stove-tops are easy-to-clean glass or ceramic.
- The pot can be conveniently left on the stove after cooking, without residual heat from the stove burning the food.
- The pot reacts instantly to changes in power, like a gas stove, because the stove itself doesn't need to heat up or cool down first.
Disadvantages of Induction Stoves
- A fan is used to cool the electronics. This can be noisy. The electronics or the magnetic field might also create a buzzing or humming noise.
- For safety, the stove will switch off if the pan is removed. This will interfere with cooking techniques that involve tilting or lifting the pan. Induction stoves need a minimum pan diameter to work.
- Pans that are too small will not be recognized and the stove will not switch on. The heated area might not cover the entire stove top. This is not an issue for boiling but can cause problems when frying.
- To check the heated area (typically a 5 inch diameter circle) a pan of water is heated on the stove. The pattern of the bubbles at the bottom of the pan will show the heated area.
Saturday, May 29, 2010
Wednesday, May 19, 2010
Change the way you think....
Two men, both seriously ill, occupied the same hospital room.
One man was allowed to sit up in his bed for an hour each afternoon to help drain the fluid from his lungs.
His bed was next to the room's only window.
The other man had to spend all his time flat on his back.
The men talked for hours on end.
They spoke of their wives and families, their homes, their jobs, their involvement in the military service, where they had been on vacation..
Every afternoon, when the man in the bed by the window could sit up, he would pass the time by describing to his roommate all the things he could see outside the window.
The man in the other bed began to live for those one hour periods where his world would be broadened and enlivened by all the activity and color of the world outside.
The window overlooked a park with a lovely lake.
Ducks and swans played on the water while children sailed their model boats. Young lovers walked arm in arm amidst flowers of every color and a fine view of the city skyline could be seen in the distance.
As the man by the window described all this in exquisite details, the man on the other side of the room would close his eyes and imagine this picturesque scene.
One warm afternoon, the man by the window described a parade passing by.
Although the other man could not hear the band - he could see it in his mind's eye as the gentleman by the window portrayed it with descriptive words.
Days, weeks and months passed.
One morning, the day nurse arrived to bring water for their baths only to find the lifeless body of the man by the window, who had died peacefully in his sleep.
She was saddened and called the hospital attendants to take the body away.
As soon as it seemed appropriate, the other man asked if he could be moved next to the window. The nurse was happy to make the switch, and after making sure he was comfortable, she left him alone.
Slowly, painfully, he propped himself up on one elbow to take his first look at the real world outside.
He strained to slowly turn to look out the window besides the bed.
It faced a blank wall.
The man asked the nurse what could have compelled his deceased roommate who had described such wonderful things outside this window.
The nurse responded that the man was blind and could not even see the wall.
She said, 'Perhaps he just wanted to encourage you.'
Epilogue:
There is tremendous happiness in making others happy, despite our own situations.
Shared grief is half the sorrow, but happiness when shared, is doubled..
If you want to feel rich, just count all the things you have that money can't buy.
'Today is a gift, that is why it is called The Present.'
The origin of this letter is unknown, but it brings good luck to everyone who passes it on.
Do not believe on above sentence but I wish you would pass it on coz everyone in your friends list deserves to read it....
One man was allowed to sit up in his bed for an hour each afternoon to help drain the fluid from his lungs.
His bed was next to the room's only window.
The other man had to spend all his time flat on his back.
The men talked for hours on end.
They spoke of their wives and families, their homes, their jobs, their involvement in the military service, where they had been on vacation..
Every afternoon, when the man in the bed by the window could sit up, he would pass the time by describing to his roommate all the things he could see outside the window.
The man in the other bed began to live for those one hour periods where his world would be broadened and enlivened by all the activity and color of the world outside.
The window overlooked a park with a lovely lake.
Ducks and swans played on the water while children sailed their model boats. Young lovers walked arm in arm amidst flowers of every color and a fine view of the city skyline could be seen in the distance.
As the man by the window described all this in exquisite details, the man on the other side of the room would close his eyes and imagine this picturesque scene.
One warm afternoon, the man by the window described a parade passing by.
Although the other man could not hear the band - he could see it in his mind's eye as the gentleman by the window portrayed it with descriptive words.
Days, weeks and months passed.
One morning, the day nurse arrived to bring water for their baths only to find the lifeless body of the man by the window, who had died peacefully in his sleep.
She was saddened and called the hospital attendants to take the body away.
As soon as it seemed appropriate, the other man asked if he could be moved next to the window. The nurse was happy to make the switch, and after making sure he was comfortable, she left him alone.
Slowly, painfully, he propped himself up on one elbow to take his first look at the real world outside.
He strained to slowly turn to look out the window besides the bed.
It faced a blank wall.
The man asked the nurse what could have compelled his deceased roommate who had described such wonderful things outside this window.
The nurse responded that the man was blind and could not even see the wall.
She said, 'Perhaps he just wanted to encourage you.'
Epilogue:
There is tremendous happiness in making others happy, despite our own situations.
Shared grief is half the sorrow, but happiness when shared, is doubled..
If you want to feel rich, just count all the things you have that money can't buy.
'Today is a gift, that is why it is called The Present.'
The origin of this letter is unknown, but it brings good luck to everyone who passes it on.
Do not believe on above sentence but I wish you would pass it on coz everyone in your friends list deserves to read it....
--SomeOne
Monday, May 17, 2010
Project....
1) Project Manager is a person who thinks nine women can deliver a baby in one month.
2) Developer is a person who thinks it will take 18 months to deliver a baby.
3) Onsite Coordinator is one who thinks single woman can deliver nine babies in one month.
4) Tester is a person who always tells his wife that this is not the right baby.
5) Marketing Manager is a person who thinks he can deliver a baby even if no man and woman are available.
6) Resource Optimization Team thinks they don't need a man or woman; They'll produce a child with zero resources.
7) Documentation Team thinks they don't care whether the child is delivered, they'll just document
9 months.
8) Quality Auditor is the person who is never happy with the PROCESS to produce a baby.
And lastly...
9) Client is the one who doesn't know why he wants a babyThursday, May 13, 2010
Some Intresting Facts...
A cockroach can live several weeks with its head cut off.
A giraffe can clean its ears with its 21-inch tongue.
A giraffe can go without water longer than a camel can.
A goldfish has a memory span of three seconds.
A hippo can open its mouth wide enough to fit a 4 foot tall child inside.
A jumbo jet uses 4,000 gallons of fuel to take off.
A male emperor moth can smell a female emperor moth up to 7 miles away.
A mole can dig a tunnel 300 feet long in just one night.
A monkey was once tried and convicted for smoking a cigarette in South Bend, Indiana.
A Saudi Arabian woman can get a divorce if her husband doesn't give her coffee.
A shark is the only fish that can blink with both eyes.
A shark can detect one part of blood in 100 million parts of water.
A sneeze travels out your mouth at over 100 m.p.h.
About 3000 years ago, most Egyptians died by the time they were 30.
Ancient Egyptians slept on pillows made of stone
Armadillos are the only animal besides humans that can get leprosy.
Armadillos have four babies at a time and they are always all the same sex
Bats always turn left when exiting a cave.
Camel's milk does not curdle
Cats can produce over one hundred vocal sounds, while dogs can only produce about ten.
A giraffe can clean its ears with its 21-inch tongue.
A giraffe can go without water longer than a camel can.
A goldfish has a memory span of three seconds.
A hippo can open its mouth wide enough to fit a 4 foot tall child inside.
A jumbo jet uses 4,000 gallons of fuel to take off.
A male emperor moth can smell a female emperor moth up to 7 miles away.
A mole can dig a tunnel 300 feet long in just one night.
A monkey was once tried and convicted for smoking a cigarette in South Bend, Indiana.
A Saudi Arabian woman can get a divorce if her husband doesn't give her coffee.
A shark is the only fish that can blink with both eyes.
A shark can detect one part of blood in 100 million parts of water.
A sneeze travels out your mouth at over 100 m.p.h.
About 3000 years ago, most Egyptians died by the time they were 30.
Ancient Egyptians slept on pillows made of stone
Armadillos are the only animal besides humans that can get leprosy.
Armadillos have four babies at a time and they are always all the same sex
Bats always turn left when exiting a cave.
Camel's milk does not curdle
Cats can produce over one hundred vocal sounds, while dogs can only produce about ten.
Thursday, May 6, 2010
Who is clever ? Teacher or student.......?????
One Night 4 College Students Were Playing Till Late Night And Didnt
Study For The Test Which Was Scheduled For The Next Day.
In the morning they thought of a plan. They made themselves look as
dirty and wierd with grease and dirt. They then went up to the Dean and
said that they had gone out to a wedding last night and on their return
the tyre of their car burst and they had to push the car all the way
back and that they were in no condition to appear for the test.
So the Dean said they can have the re-test after 3 days. They thanked
him and said they will be ready by that time.
On the third day they appeared before the Dean. The Dean said that as
this was a Special Condition Test, All four were required to sit in
seperate classrooms for the test.
They all agreed as they had prepared well in the last 3 days.
The Test consisted of 2 questions with the total of 100 Marks.
Q.1. Your Name.........................( 2 MARKS )
Q.2. Which tyre burst ?...............( 98 MARKS )
a) Front Left
b) Front Right
c) Back Left
d) Back Right .....!!!
Study For The Test Which Was Scheduled For The Next Day.
In the morning they thought of a plan. They made themselves look as
dirty and wierd with grease and dirt. They then went up to the Dean and
said that they had gone out to a wedding last night and on their return
the tyre of their car burst and they had to push the car all the way
back and that they were in no condition to appear for the test.
So the Dean said they can have the re-test after 3 days. They thanked
him and said they will be ready by that time.
On the third day they appeared before the Dean. The Dean said that as
this was a Special Condition Test, All four were required to sit in
seperate classrooms for the test.
They all agreed as they had prepared well in the last 3 days.
The Test consisted of 2 questions with the total of 100 Marks.
Q.1. Your Name.........................( 2 MARKS )
Q.2. Which tyre burst ?...............( 98 MARKS )
a) Front Left
b) Front Right
c) Back Left
d) Back Right .....!!!
Wednesday, April 21, 2010
What Credit Card Numbers Mean
The front of your credit card has a lot of numbers – here's an example of what they might mean.
Although phone companies, gas companies and department stores have their own numbering systems, ANSI Standard X4.13-1983 is the system used by most national credit-card systems.
Here are what some of the numbers stand for:
· The first digit in your credit-card number signifies the system:
· 3 - travel/entertainment cards (such as American Express and Diners Club)
· 4 - Visa
· 5 - MasterCard
· 6 - Discover Card
· The structure of the card number varies by system. For example, American Express card numbers start with 37; Carte Blanche and Diners Club with 38.
· American Express - Digits three and four are type and currency, digits five through 11 are the account number, digits 12 through 14 are the card number within the account and digit 15 is a check digit.
· Visa - Digits two through six are the bank number, digits seven through 12 or seven through 15 are the account number and digit 13 or 16 is a check digit.
MasterCard - Digits two and three, two through four, two through five or two through six are the bank number (depending on whether digit two is a 1, 2, 3 or other). The digits after the bank number up through digit 15 are the account number, and digit 16 is a check digit.Some important tips:
· Sign your card -- as soon as you receive it! (Obviously, this is only as effective as the clerk who's checking it.)
· When you use your card at an ATM, enter your PIN in such a way that no one can easily memorize your keystrokes.
· Don't leave your receipt behind at the ATM.
Your PIN and account number from a discarded receipt could make you vulnerable to credit-card fraud. Also, don't throw out your credit-card statement, receipts or carbons without first shredding them!
Your PIN and account number from a discarded receipt could make you vulnerable to credit-card fraud. Also, don't throw out your credit-card statement, receipts or carbons without first shredding them!
· Never give your credit-card number over the telephone unless you initiated the call.
Even when you place the call to a legitimate merchant (such as a mail-order company), never give your card number out over a cordless phone. Radio scanners that eavesdrop on these conversations are available for a few hundred dollars at any electronics store, and your voice can be received by one from a far greater distance than the maximum useful range of your cordless phone. One common scam is when someone calls you "back" right after you place an order, claims to be from the merchant and tells you that there was a problem with your card number -- would you mind giving it to them again? The best thing to do is ask for a contact name and call the merchant back at the number you used originally.
Even when you place the call to a legitimate merchant (such as a mail-order company), never give your card number out over a cordless phone. Radio scanners that eavesdrop on these conversations are available for a few hundred dollars at any electronics store, and your voice can be received by one from a far greater distance than the maximum useful range of your cordless phone. One common scam is when someone calls you "back" right after you place an order, claims to be from the merchant and tells you that there was a problem with your card number -- would you mind giving it to them again? The best thing to do is ask for a contact name and call the merchant back at the number you used originally.
· Ignore any credit-card offer that requires you to spend money up-front or fails to disclose the identity of the card issuer.
· Make certain you get your card back after you make a purchase (one habit to observe is to leave your wallet open in your hand until you have the card back). Also, make sure that you personally rip up any voided or cancelled sales slips.
· Always keep a list of your credit cards, credit-card numbers and toll-free numbers in case your card is stolen or lost.
· Check your monthly statement to make certain all charges are your own, and immediately notify the card issuer of any errors or unauthorized charges. (More on this later!)
-Thank you,
HowStuffWorks.com
Thursday, April 15, 2010
Quotes of Swami Vivekananda.....
When we have become free, we need not go mad and throw up society and rush off to die in the forest or the cave; we shall remain where we were, only we shall understand the whole thing. Astrology and all these mystical things are generally signs of a weak mind; therefore as soon as they are becoming prominent in our minds, we should see a physician, take good food, and rest. The secret of life is not enjoyment but education through experience. Experience is the only teacher we have. We may talk and reason all our lives, but we shall not understand a word of truth until we experience it ourselves. All knowledge that the world has ever received comes from the mind; the infinite library of the universe is in our own mind. First, believe in the world—that there is meaning behind everything. You cannot believe in God until you believe in yourself. The As long as we believe ourselves to be even the least different from God, fear remains with us; but when we know ourselves to be the One, fear goes; of what can we be afraid? Be strong! … You talk of ghosts and devils. We are the living devils. The sign of life is strength and growth. The sign of death is weakness. Whatever is weak, avoid! It is death. If it is strength, go down into hell and get hold of it! There is salvation only for the brave. "None but the brave deserves the fair." None but the bravest deserves salvation. All power is within you. You can do anything and everything. Believe in that. Do not believe that you are weak; do not believe that you are half-crazy lunatics, as most of us do nowadays. Stand up and express the divinity within you. “The earth is enjoyed by heroes”—this is the unfailing truth. Be a hero. Always say, “I have no fear.” The highest manifestation of strength is to keep ourselves calm and on our own feet. A few heart-whole, sincere, and energetic men and women can do more in a year than a mob in a century.
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