Check out this sbi bank branch

I found out this kewl sbi branch.check it out and lol.

Mumbai Rains and the pain of a common man in mumbai

I stepped out of my house in the morning to go to office and man it was flooded around my apartment as it was raining heavily in Mumbai,India.

There was waist level water there.I thought thats it back to homeagain as i could not cross over to the compound gate without getting fully wet and then i was just about to go back home that i heard some one calling me.It was more of a shout.I then turned back and saw that a teenager was shouting at me.I could not hear him properly.He then came closer to me and offered me a ride on his bicycle to the compound gate.I told him i will get wet and then he told me you stand on the carrier(which is a holder on bicycles in India just behind the riders seat) and balance yourself by putting your hands on my shoulders.Well i wanted to go to office anyhow as i had a project deadline so i thought lets take this gamble.

I stood on the carrier with my hands on his shoulders and our journey began.It was a smooth journey and i finally reached the gate.Gave the person some cash as he was expecting the same from me as i he had forwarded his palm in front of me.

I took a bus to reach the railway station and during this journey i was thinking how people survive in mumbai by doing odd jobs and best thing was the guy who helped me was using an ethical way to earn money and was not robbing it from some one and i respected him from that.

Phew there was water logging at the railway station and i somehow boarded a train to andheri(a Railway station in Mumbai,India) which was my destination.I reached andheri station and then i had to board another bus/Rickshaw to reach my office but as there were no rickshaws i boarded a BEST Bus.

There this guy sitting next to me who was talking to me about how he manged to come till this journey.It was funny i met him for the first time but he spoke to me as if he was my childhood friend.

He told me that he was poor and he just got married taking a loan and he had fought with his elder brother who was harassing his mom and himself.

He then told me about things which are missing from our worldly life.

He told me that he works for some 2,000 INR(thats 50$) monthly as a attendant to sick people.Its not the money but the good wishes that he loves the most about his job.He was illiterate and so he would have landed up in some mill workers job if not the present.But he wanted to serve people.He cared about people who were not of the same blood as his.

I learnt many things from my chance encounter with this guy.He could easily have become a tout or a robber or some anti social element to get some quick bucks.But he didn't do that.

I got down at my destination with this person and told him that i am proud of what he is doing and then we departed.I may never meet him again in my life but he had taught me that one should help other people and never run after money.

Enjoy life-from a loser to a winner

Flashback:- May 24 2004 2:05 PM(IST)

It was the last day of my engineering course at St Francis Institute of technology. It would have been better if the engineering course did not end with exams as I would have preferred a normal college day than an exam day to end my 4 years of struggle at my engineering college. I had hardly slept the night before as I did last moment studies for the on going exams and I had a really bad throat infection which was making me feel choked also I felt like throwing up right from the morning. Good I dint puke on my exam paper. That would have itched a bad incident in my memory of thoughts and a funny incident in others who were present in my examination hall. It’s funny but others suffering can become a joke for someone else watching it.

Four hard years of my engineering were over finally. Of course the results were left to be announced in a month of two from this date but in last year of engineering any dumb ass would get a pass grade and I was an average student or may be above average before my engineering but the engineering muggers from Mumbai university have made me a average student as I could not mug as them and i had a very practical approach but that doesn't count here.

Every student from my batch had mixed emotions as they were happy that the 4 grueling years got over and sad because they will miss the good times spend with their friends. One more thing which you observe on the last day of any college is that guys who have crushes on some girls from the college and keep this feeling to themselves and don’t even try to propose the girl as they don’t have the guts feel pathetic as they think they are some kind of losers or may be even cowards and stare at their love interests for may be the last time. I saw many such stares.

I was looking out for my gang and I finally spotted them. I call it as a gang because we were a bunch of fun loving guys and we had screwed up in our grades but what we had enjoyed will remain with us for life long, at least we were

not like the other muggers in college who have not enjoyed a bit in life and have mugged all the books that came their way and not even tried to understand the practical implementation of theories written in our course materials.

Every group was heard planning to go to some disco or movie .I don't know why but I wanted to go home and sleep. I told my group the cheesiest of reasons that I am going out with my apartment friends and took a rickshaw ride to home. It was funny how could my friends buy the thing that after 4 years struggling together living through happiness of passing exams and sadness of getting KT when apartment friends who are not even in our course. I guess every one wanted to spend time alone. There comes a time in life when you want to spend time by yourself than being surrounded by a crowd. I reached home and i slept through the afternoon.

Next two months

Next two months all the students were enjoying their break as many lucking ones who had got a campus placement were supposed to join the firms by august 1st week.

My gang of friends did not even come close to being selected by the low profile companies because of the fun which we had in our college. Back of my mind I was getting this feeling that I might have screwed up my career here for some fun but then I thought I will rock one day.

The pressure was building up for my friends and me as august approached and our parents told us better find a job as the next apartment’s neighbor's son has got a job in a top IT firm. I don't know why parents do it but the comparison sucks big time as it kills one’s ambition and one is forced to follow some nerdy dumb ass muggers who your parents things is a perfect role model for you.

The pressure got up to my gang and they had only one option “CALL CENTERS”.

Call centers don’t ask for high percentages and also no questions are asked by them as why so fewer grades in you Engineering course?

Most of them got jobs at the call centers but I didn’t like the idea of answering calls as a job that too from strangers unless the caller’s are young girls. So I never went to call centers for employment. I was desperately trying for a job in Information technology sector as I had specialized in IT engineering. I struggled a lot due to my low scores and was even not allowed for the first screening test for big IT giants firms. Then I set a challenge for myself that in 2 years time these IT giants firms who have rejected me outright will themselves call me to join them and it will be me not them who will have the option to reject the offer if the profile offered was not good as I would have created a situation which would have put me in a position that I would call the shots. I don’t know how but I had to accomplish this challenge.

I planned for the next 2 days and then applied for a small IT firm which hardly had 3-4 employees. I got through and joined them for just Rs 50(INR) a day job. This is a Dollar a day. The company was broke and it could hardly pay us even that amount which was promised but it was a fun experience. I learnt the ropes of software development life cycle and soon was teaching new recruits in a month’s time of my joining. What happened after that is history.

I changes some jobs after my first job and handled many big projects individually and stuck to many small startup firms which offered me decent compensation package and challenging projects. Then after 1 and half years from my first job I accomplished my challenge The same BIG IT firms came to me to get me recruited but this time I was in the drivers seat. I rejected all of them as they profile was not of my interest and I had handled far better things. I may join an IT biggie some years down the line if I get a good profile

So that’s the story of how I became a winner from a loser. One should not gauge a person by his grades He may have many skills which might not be reflected by his fewer grades. So the mantra here is enjoying life and also working hard.

Phishing never ends - http://axis.00freehost.com and thanks to firefox guys

Hey guys,

We have to do some thing about this phishing stuff.

Most of us get these mails some smart ones don't fall for it while some do and i guess for those who fell for it would be angry reading this post as they might have lost some money or more of it and would be cursing themselves why they didn't stumble upon this piece of article before they got forged .

But at least Firefox people have done something about it.

Just check the image below


Well now u guys will ask me what is this about.Let me take you through what happened.
Actually i got a mail from bogus axis bank id saying
###############################################################
Dear Valued Axis Bank Member:

Due to our concerns, for the safety and integrity of your Axis® Bank Account,
we have issued this warning Notification.

It has come to our attention that your Axis® Bank account information needs
to be updated as part of our continuous commitment in protecting your account and
reducing the instances of fraud on our website. Please take out your time to update
your personal records to enable us serve you better.

Once you have updated your account records your account, services will not
be interrupted and will continue as usual.

To update your Axis® Bank online records, click on the following link:
https://www.axisbank.com/Control.do?page=update

Thank You.

Accounts Management As outlined in our User Agreement, Axis ® Bank will
periodically send you information about site changes and enhancements.

Visit our Privacy Policy and User Agreement if you have any questions.
################################################################
and i had already got a mail before from the same bogus id and had posted the phishing thing on this very blog.

I thought to write about it again as this time i liked what Firefox people have done with their phishing detector.

To know more read the below ink

http://en-us.www.mozilla.com/en-US/firefox/phishing-protection/

Three cheers for Firefox guys.

The Top 5 Steps to Become a Millionaire - How to Become a Millionaire

Becoming a millionaire isn’t all that difficult and there are countless ways to achieve that milestone. Some people do it through real estate, others start their own business, while some simply get lucky by winning the lottery or winning big on a game show. What is even more interesting is that you don’t have to be wealthy to begin with nor do you have to earn six figures to reach this goal.

I know some people who earn well over $100,000 and all they have to show for it is a large mortgage payment and a fancy car that depreciates faster than a glass of milk left outside in the summer sun. Anyone can become a millionaire and there are five ways to have the best shot of making that a reality.

1. Earn Income. Clearly the more money you make the faster you can reach that milestone but that doesn’t mean your average Joe with a median income can’t obtain millionaire status. The current median income in this country ranges between $35,000-$60,000 depending on which state you live in. Better yet, get married so you have dual incomes. The wonderful thing about having dual incomes is that even with two people in the household your income may double but your expenses typically don’t.

If you don’t earn even an average income, all is not lost. It is up to you to do something about it. A negative attitude about your job or your earning potential won’t change anything. Be proactive and make the decision to improve your situation. It is your life so take control and realize that things don’t change overnight. It may take a few years of slow growth before you reach the point where you want to be, but you can do it if you try. Remember, short of inheriting money from a relative or winning the lottery you will need income to become a millionaire.

2. Live Within Your Means. Ok, so you have income but now what? It doesn’t matter how much money you make if you spend it all or spend even more than you make. It might be nice to eat out at nice restaurants every night or to always be on the cutting edge of designer fashion but, this will only make you feel like a millionaire. This doesn’t mean you have to live a miserable and miserly lifestyle but you simply need to live reasonably.

Start by purchasing a home that you can comfortably afford and drive vehicles that suit your lifestyle without straining your budget. You don’t have to be pulling down $75,000 a year and drive a 1992 Civic Hatchback or live in a dump, but throwing your money at a 4,000 square foot home in a gated community and luxury cars or SUVs that cost as much as one year of your salary won’t help you become a millionaire. Some may argue that an expensive home and real estate in general is a good way to become a millionaire but I will touch on that later.

3. Save Money. This isn’t rocket science but if you earn a reasonable income and you live within your means, guess what, you will probably have money left over to save. The problem most people have is they put savings last, as an afterthought. People pay bills, buy things and then whatever is leftover they try to save. That is the wrong way to save. I’m sure you’ve heard it before, but pay yourself first. Whether it is $100 a month or $1,000 a month, think of the savings as a bill that needs to be paid and do it regularly. If you are unable to save money you will find that your only wealth is in the form of material things.

4. Invest Wisely. Now that you are saving money, you need to invest it wisely. Sticking it under the mattress isn’t going to help you reach your goals any faster. You don’t have to read the Wall Street Journal or watch CNBC everyday while actively managing your portfolio in order to be a good investor. Some of the best investment advice is to simply buy and hold and to buy low and sell high.

It is also important to remember that real estate is part of your investment picture, but it shouldn’t be all of it. Too many people stake almost everything they have into a primary residence and expect it to appreciate in value. Just like any investment, generally speaking, over time you will make money. There isn’t much debate about that, but relying heavily on real estate is no different than if you rely on one stock to fund your retirement.

You can become a millionaire by simply buying a single stock and holding onto it for 20 years if it goes up significantly just like you can buy a home $500,000 home and have it double in value in 20 years. Take a lot of the risk out of the picture by making sure all of your eggs aren’t in the same basket and develop an investment strategy that will provide steady growth.

5. Stick With Your Plan. If you have done the previous four items the only thing left to do is to continue doing it and stick to the plan. As far as income is concerned, always be on the lookout for ways to increase your income, whether it is through climbing the ladder at your current job, finding work elsewhere, or maybe even starting a business on the side. Increased income will mean you can save even more, provided you aren’t foolishly spending the additional money. As that additional money gets tucked away into savings or investments it will continue to grow even more quickly.

It Isn’t Hard to Do

Unfortunately most people are looking for a way to get rich quick or to capitalize on the next big thing. It is true that some people have made their wealth through playing the real estate market while others have done so by investing in a few stocks that exploded, but this is the exception and not the norm. If the above list seems overly simplistic, good. There are no secrets to becoming a millionaire and almost anyone has the chance to make it happen. The process is simple:

1. Make money
2. Don’t spend all of your money
3. Save some money
4. Invest that money
5. Repeat

Certainly there are many factors in play that can make this easier or more difficult for different people. This is simply the process that you can use in order to reach that goal, whether it is in 5 years or 50, if you follow a few basic steps you can do it.

weird two headed turtle found

A two-headed red-eared slider turtle gives the world outside his shell a second look in Moriyama, Japan, May 27. A boy found the rare reptile at a park and named it "Takara," meaning "treasure."

How to know if Your Wife Is About to Cheat on You

More than likely you're not going to actually catch your wife or girlfriend cheating on you, but there are some little signs that you should pay attention to that may clue you in she is about to cheat.

Perhaps you feel that things just aren't quite right in your relationship, but you really cannot put your finger on anything particular.

Well, she could be thinking about cheating.

It could be a case of your wife being strangely attracted to another man. And she's about to cheat, except she doesn't realize it's going to eventually happen. This is very common.

In fact, at this stage many men are totally convinced that she is having an affair.

The truth is, she hasn't done a thing.

So, how can she tell if she is about to cheat? The following are some signs that should provide insight.

Sign #1 - She Doesn't Seem to Care - Perhaps she used to criticize things you did (or said), but now she doesn't seem to care at all.

Perhaps she's given up on ever hoping to change you, or perhaps she has met someone who does not have the bad faults that you do.

Sign #2 - She Speaks Often About a Specific Man - Do you notice that she is constantly talking about a specific man that she knows? Women tend to do this when they are interested in a man, as you probably noted in your little sisters somewhere along the way.

If she talks about a man all the time and then stops talking about him, you really should beware.

It could be a telling sign that she in on the "edge of cheating". Her thoughts about him have taken on a new form. And in her mind, she may have already visualized how everything would go.

Sign #3 - Your Gut Says Something is Not Right - In some cases the only clue that you may have is a feeling in your gut that something is just not right, and many times your gut is right.

However, your interpretation could be that she has already done something. When in fact, you're picking on the "fantasizing" or the "preparation".

Trusting your instincts is important and even if you haven't seen any of the other signs yet, you may want to go ahead and believe what you are feeling. Unless you are already dealing with major trust issues, you should listen to what your gut is saying, since it is probably right about the situation.

Sign #4 - You Rarely Have Sex - More than likely when you were first together your sex life was great; however, if you don't seem to have any intimacy left in your relationship, then this may be a sign she is thinking about cheating with someone. It becomes very difficult for her to desire you when she has been "daydreaming" about some other guy. Either she has lost respect for you temporarily or she is preparing for that special day with her dream guy.