India Cyber Week (11-13th Dec'13) - GOSF - Great Deals & Discounts

The concept of a one-day online sale originated in the United States, where many online shopping sites offer discounts on "Cyber Monday", the first Monday after the so-called Black Friday, the day that follows the U.S. Thanksgiving.

The first Great Online Shopping Festival in 2012 was advertised on YouTube and via posts on Google Plus. For the event, Google partnered with a number of ecommerce sites such as Flipkart,HomeShop18, Snapdeal, Indiatimes shopping and Makemytrip, which would participate in the GOSF.^[1] The ecommerce sites created dedicated landing pages for GOSF.

There are many deals going on this year during GOSF (Great Online Shopping Festival).

Apart from below there many other coupons like on Ebay : 15HDFCEBAY (15% discount HDFC credit card) , MCEBAYH213 (7.5% discount on mastercard), ICICIFCC13 (7% or max 750/- on icici Credit card), flat 10% using Amex Card etc. Check respective sites for information & banners.

Flat 10% Off on CromaRetail (Max Rs. 2500 Off) CromaRetail GOSF Sale - Flat 10% Off on any purchase. Best Option to buy Television, Electronics, Washing Machine, AC etc.. How to get this deal Go to CromaRetail Apply Coupon code GOSF2013 Maximum discount is Rs. 2500 on any transaction.

Google Nexus 7 2012 Tablet(Wi-Fi, 16 GB) for Rs. 7999 – 50% off
	E.g. 10% flat discount using AMEX card on Flipkart. How to get this deal Go to Flipkart. Buy now for Rs. 7999 Additional 10% using Amex will cost around 7199/-

Jabong GOSF - Extra 36% to 40% Off on No Minimum Purchase.
	Upto 80 % + Extra 36% off on No Minimum Purchase at Jabong. How to get this deal Go to Jabong. Use coupon code GOSF36 for Flat 36% Off No minimum purchase required. Use coupon code GOSF40 to get 40% Off on Rs. 2499

Myntra GOSF 2013 Deals and Offers
	Myntra GOSF Deals and Offers - Additional 35% Off on All Orders. How to get this deal Go to Myntra. Use coupon code GOSF35 for Flat 35% Off Great Discount on Shoes and Apparels

Gosf 2013: Freecharge – 20% cashback (Max. upto 40 Rs)
	Save Money on Recharge with GOSF. How to get this deal Go to Freecharge. Apply coupon code FCGOSF And get 20% cash back on every transaction Offer valid one per unique user/ mobile number/ DTH user / email id.

Amazon GOSF - Galaxy Tab 3, 15% Off on Laptops & Many More.
	E.g 1500/- discount on Amazon kindle, +10% on mobile, upto 25% on cameras etc. How to get this deal Go to Amazon.

Flat Rs. 1000 Off on Domestic Flights How to get this deal Go to Yatra. Get Rs 1,000 off on return trips and Rs 400 on one-way tickets on domestic flights. Please use the promo code: GOSF

Upto 50% OFF Diapers, 30% OFF Clothes, Footwear, 25% OFF Baby Gear, Toys
	Upto 50% OFF Diapers, 30% OFF Clothes, Footwear, 25% OFF Baby Gear, Toys How to get this deal Go to Firstcry. Use coupon code GOSF2013 for upto 50% Off On All Brands. All Packs.

Checkout desidime special Page which gets updated every 15 minutes.
	Checkout Desidime special Page which gets updated every 15 minutes. + Gold Coin for Lucky Winner! How to get this deal Go to DesiDime. Stay up to date with latest offers,

Direct Discount Coupons / Credit card Specific

Here are some of the discount coupons which will work for you specific to credit cards.

• HDFC: Rs.350 cashback* on basefare of domestic flight tickets booked on www.makemytrip.com, use promocode HDFCDFL to avail cashback, offer valid till 31^st March 13.
• HDFC: Enjoy 6% Discount* on www.ebay.in, use promocode HDFCJANCC1 to avail the discount, offer valid till 31^st Jan 13.
• Any: Rs.100 discount on http://pizzaonline.dominos.co.in/, use Promocode WBZ100  
• Any: 25% discount on http://pizzaonline.dominos.co.in/, use promocode TMP25 on wednesdays

Note: Will try to keep updated & keep adding.

EPF e-Passbook - Online Employee Provident Fund Balance

Greetings ! Now  EPF account holders  can check Employee provident fund balance online using the new e-passbook service by EPFO website. They has introduced a new concept called “EPF Account Passbook” , which allows EPF Account holders to download their EPF Balance passbook at any time e.g. you can now do EPF balance enquiry each month and see how its increasing.

Follow simple steps to register and enjoy the facility:

1. Register on the site with your name, mobile, DOB and document (e.g. PAN) information
2. Generate PIN and confirm it (received on registered mobile)
3. Login with registered Document number and mobile (no username & password)
4. Download EPF Passbook after entering your PF Account number

Few points to remember:

1. One mobile number per registration, though multiple PF accounts
2. One Account per establishment e.g. 2 accounts possible for Delhi & Karnataka but both are not possible under Delhi
3. Maximum 10 accounts can be viewed
4. Inactive Account details not available
5. Multiple Id can be created with as many Documents you register e.g. each with PAN & Driving License

References:  http://www.jagoinvestor.com/2012/08/epf-passbook-employee-provident-fund-balance-online.html

SBI offers lower rates to Old Home Loan Borrowers

State Bank of India's old home loan borrowers have a reason to rejoice. The bank has decided to allow these borrowers to switch over to the new floating rates that are lower, said a bank official.

Borrowers who have taken loans linked to SBAR (State Bank Advance Rate or the prime lending rate) are paying as much as 2-3 percentage points more than existing floating rates that are linked to the Base Rate.

This is because the Base Rate is lower than the SBAR. SBI's Base Rate is currently at 10 per cent, while the SBAR is 14.75 per cent. Besides, the bank has also reduced the spread it charges over the Base Rate for home loans. Because of this, new home loan rates have moved southwards, said the official.

There is no restriction on the tenure or the amount of the loan for customers to switch over. The bank is charging a fee of 1 per cent of the outstanding amount to switch to the new rate

The current floating rates are:

• 10.5 per cent for loans up to Rs 30 lakh, 
• 10.75 per cent for loans between Rs 30 and 75 lakh, and 
• 11 per cent for loans above Rs 75 lakh.

Those borrowers who took a home loan even a year ago are paying higher rates. In some cases, the difference is as high as 3 percentage points. So, in the interest of fair practices and transparency, we are offering the current floating rates to all our customers. On an average, the benefit to old customers could work out to be more than 1 percentage point.

For switching over, the only condition is that the customer should not be a defaulter. If so, then he or she can pay the default amount and switch.

Customers have been enquiring about shifting loans to other lenders given the higher rates, and this is one reason why SBI came up with such an offer, the official said. 

Mithun Special Dialogues

Here are some amazing dialogues from Mithun da's films. Enjoy !!!!

  -----------------------------------------------------------------------------------------

" Bheegi hui cigarette kabhi jal nahi sakti.....                       

aur yeh tay hai ki teri maut ki taarikh tal nahi sakti "                    

            ----------------------------------------------------------------------------

"Apuun ka naam hai HEERA,                                                  

Apuun ne sab ko Cheera..." (wah wah.....)              

                    

           ----------------------------------------------------------------------------

shetty: "kaun hai be tu?"

Mithun da says-

      "Mai hoon tum jaise logon se nafarat karne wala,

Garibon ke liye jyoti, Gundon ke liye jwala                                        

             tuze banake maut ka Ek niwala,

             tere sine mein gaad dunga mai maut ka bhala.

             Mila doonga yamraj se tere ko  salaaaa." (what a poetry!!!!!)

----------------------------------------------------------------------------

" kyunki ab mein Indrajeet nahi......chandaal hoon                          

tum chaho toh mera program note karlo                                      

...tum sab meri diary mein mar chuke ho!                                    

mein chahoo toh tum sabko abhi mar sakta hoon                              

magar abhi maarne se tumhe maarne ka credit meri bullet ko mil jayega!!!! "

(kya logic hain!!!!!!!! !,superb! )                          

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" Main hoon Do Numbri, ek se jyaada, teen se kam                            

Dikhne mein bevda, bhaagne mein ghoda, aur maarne mein hathoda .... " (amazing )                                                          

----------------------------------------------------------------------

" Jitani tumane saanse li hongi, usase jyaada maine lashein  girayi hai

(!!!!!!!!!!!!!!   ??????? )                                                            

----------------------------------------------------------------------------

Mantriji:- "Ye kanch bullretproof hai. tum mujhe chu bhi nahi sakte"

Mithun Da:-"Ye kanch bulletproof hai magar patthhar proof nahi"            

AND HE BREAKS IT BY THROWING STONES ON THE GLASS.                          

----------------------------------------------------------------------------

 And the best one…………….

Mithun da gets a bullet on his leg, Looks at the villain scornfully, calmly stands up and says-                                        

"DUSHMANO KI LAASHON PAR BHANGRA KARNE WALA KABHI LANGDA NAHIN HO SAKTA"

" Koi Shaq..??

Bajaj Allianz charges heavily even after serving minimum period

Beware of any ULIP plans, especially from Bajaj Allianz. You will feel cheated when you will be in need of money, and want to get money from them.

While purchasing the policy their agents tell that you can withdraw the money after 3 years of premium. But the thing they don't tell is that you can't withdraw your own money even after that (minimum 20 years!). You should have been read your 60 pages documents to verify, and to catch their agents lies.

Lets take a scenario of Bajaj Allianz ULIP as follow:

• 15,000/- is the premium for a year
• 3 years is the Minimum number of years you have to pay
• 60,000/- you paid for 4 years (minimum period served)
• Say as per 9.0 pa interest (FD rates), you would have earned 22,000/- interest without any risk.
• Total Investment : 82000/-

Now let see what they got,

• -10,000 maintenance charges for 4 years
• -8,000 for surrender charges (they never tell you about that)
• -22,000 As market neither did good nor bad (only Bajaj Allianz got money, not you)
• YOUR TOTAL LOSS  = Bajaj Allianz Profit =  40,000/-

Lets say market doesn't change much (went up and down in 4 years). What you got:

• 60,000 you paid, and as per interest of 9 pa, this amount should have around 82,000 by now.
• They have taken 18,000 from you (off course they have to pay their employee salary from your pocket)
• You get 60,000 - 18,000 = 42,000/-

How much You Lost :

• 82000 - 42000 = 40,000/- (50% of your money)

I've invested and studied many ULIPs plan, and suggest you not to invest in any ( and never in Bajaj Allianz).

How to complain for DND not working?

Registering Complaints

If you receive any unsolicited commercial communications seven days after registration of your telephone number, you may register a complaint by:

• Dialing the toll free number 1909;
• or Sending an SMS to 1909
  • You may register a complaint regarding receipt of unsolicited commercial communications by sending SMS to 1909  in the specified format given below:

    • “COMP TEL NO XXXXXXXXXX, dd/mm/yy, Time hh:mm”
    • Where XXXXXXXXXX – is the telephone number or header of the SMS, as the case may be,from which the unsolicited commercial communication has originated
    • Example:
    • 1): You have received an SMS from DM-IAMU on 30th Sep’11 at 2pm. Then your complaint SMS will be “COMP TEL NO DM-IAMU, 30/09/11, Time 14:00” and send it to 1909.
    • 2): You have received an SMS / call from 9123456789 on 1st Oct’11 at 11.35am. Then your complaint SMS will be “COMP TEL NO 9123456789, 01/10/11, Time 11:35” and send it to 1909.
  • The complaint will be registered and acknowledged by MTNL by sending a unique complaint number through SMS
Please note:
• The complaint has to be registered from the telephone number on which unsolicited commercial communication has been received
• Your complaint must be made within three days of receipt of the unsolicited commercial communication

Registration of Preference/Change of Preference/ De-registration

• For registration of preference, send SMS in the format "START‹option(s)› " to 1909 e.g. to receive SMSs Option 'Real State' send SMS in the format "START 2" to 1909.
• For change of preference, send SMS in the format “STOP‹option(s)›"  to stop the existing options and “START‹option(s)›” to 1909

• For de-registration, send SMS in the format “STOP” to 1909
• Customers can choose to receive SMSs from multiple options e.g. to receive SMSs from options ‘Education’ and ‘Health’, send SMS in the format “START 3,4” to 1909.
• For registering option for "Fully Blocked Category" send "START 0" to 1909

You can register preference to receive messages from following categories:

• Fully Blocked Category (No Telemarketing Call/ SMS)
• Partially Blocked CategoryOptions under partially blocked category:

1. Banking / Insurance / Financial products / credit cards

2. Real Estate

3. Education

4.Health

5. Consumer goods and automobiles

6. Communication / Broadcasting / Entertainment / IT

7.Tourism and Leisure

Source: 

• http://mtnlmumbai.in/index.php/do-not-disturb
• http://www.telecomdiary.com/ti/do-not-disturb-register-dnd/dnd-now-ncpr-compliant-registration-procedure/