Reserve Bank of INDIA (RBI) has made PIN mandatory for online credit card or debit card payments.Â
So this comes into effect from August 1st, 2009.
Today has been a contending day for many reasons. The day started by preparing a quote for providing Computer education for Andra Pradesh corporation schools. Then there were some official work where in I had to review some contracts, preparing list of things that my new CTO has to take care off and then putting my CTO as the single point contact for all technical help.
Then was engaged with some telephonic conversation with my CFO & Friends. Then I wanted to start my fish breeding which I use to do in my school days and then I located some spots in my house which would be best suited.
Then I got a call from my friend cum customer who said it was diccicult to come and sigh his IT returns and so I had to do the courier work. Thought Bala was hesitant to make me do those works I really enjoyed doing it as I’m not involved in CCS activities and I really enjoy working for CCS as it is a new arena to me. I drove to CCS office to hand over couple of signed IT Saral forms of friend and collected my friend’s Saral form to be signed and returned home as Balaji planned for a drive.
I came back home by 8 o clock and then had to wait for Balaji till 10 o clock to return from a birthday party. Then we handed over the Saral form to the friend and asked him to hand it over to bala tomorrow. Then we thought we can go for a long drive to Mahabalipuran through OMR which we have not explored much.
I was really surprised to see small tea shops and hotels which were kept open till 12 o clock mid night. We reached Perungudi toll by 11.20 PM and had to pay 30 bucks for a two way toll. Then we came across Baskin Robbins ice cream parlor and Pizza Corner. Balaji wanted an Iced Tea which was not available. Then we went to Baskin Robins and ordered for a Mango Tango & Mint Tango (Ice Cream blended with Sprite) and we enjoyed the drink.
Again started to travel towards mahabs and had to cross another toll where we were charged 30 bucks for a two way toll. I handed over a 50 rupee note and we got two 10 rupee coins as balance. That really excited me because I’ve seen that from one of my friend who had only one and he refused to give it to me. So, today I’m a proud owner of a 10 rupee coin which is rare at the moment. Then Balaji took on coin and retained one coin.
Again we thought this route to be expensive compared to ECR as we pay 45 bucks for two ways to mahabs. Then once when we crossed 200 meters the road was very bad as expected and we had a small change in direction. Instead of Thiruporur we went to ECR from Kelambakkam.
En route to ECR from Kelambakkam we had this back waters and good lightning. It was a special gift to my eyes. I’ve never enjoyed nature like this before. I was disappointed for not carrying a camera. Then after 10 min of enjoying the lightning we again proceeded to mahabs.
After reaching mahabs Balaji was telling me how nice a place it was two decades back as it is the home town of his mother and that was the place where he spends his vacation.  Again I’ve never been to mahabs at mid night and watching those carvings at night was a different experience.
It took 2 hours to drive to mahabs and while returning we had good topics to discuss and returned home within an hour. Over all I’m closing the day with a happy note… Thank you Balaji for giving such an experience… Letz explore more in coming weeks.
This is the email I sent to Nodal Officer for Lien on my accounts. I got an acknowledgement from them which don’t have reference to damages for the agony caused.
Dear Nodal Officer,
This is to bring to your notice about the irresponsible act on the part of ICICI Bank which has brought tremendous amount of monitory, time and productivity loss which lead to great mental agony.
All my agony started 6 years back when I bought ICICI bank credit card without knowing then that it is going to make my life miserable. I’d like you to go through this blog to know what has happened initially.
http://www.anandnataraj.com/me-icici-cibil
Even I was not happy in making the settlement on 2nd March 2007, I thought my irony is over but it is not. I still had your collection agents coming and disturbing. When I showed them the settlement letter they conveyed an apology. On 22nd July 2009 I got a letter from ICICI bank on Lien attached to my account. I don’t know why it took one week to send me the letter. By the time I received the courier the money was taken from my account.
I can’t understand why it took 4 years for ICICI to take action and don’t know if you don’t even have a process to segregate customers who have made the settlement.
Now your bank has not taken my name from CIBIL, they have taken my money twice which has lead to tremendous mental agony and I don’t know if you can help me out. I’d definitely want the bank to refund my money and pay damages for the trouble it caused me.
I’ve also sent an email to Banking Ombudsman and also I’m taking legal opinion to goto consumer forum.
As a blogger I’ll also take all steps to spread this irresponsible act of the bank.
Also in the last line of Lien of account letter they have sent the phone number without STD code.
Attached scanned copy of Lien on accounts letter, Settlement letter, Payment Receipt.
Thank you for your time.
Regards,
—
——-
S.Anand Nataraj
This is the reply I got from them
Dear Mr. Nataraj,
We acknowledge receipt of your e-mail of July 28, 2009 addressed to Nodal Officer regarding  your ICICI Bank Credit Card account number 4477 xxxx xxxx 4003.
The same has been registered vide Service Request SR113863258.
We understand that you have the following issue :
a. Reversal of the amount of Rs 7366.05 which is debited from your saving account.Â
b. Necessary correction in the Credit Information Bureau India Limited (CIBIL) status.
We are looking into the issue and will revert to you on or before by August 3, 2009.
Sincerely,
Sri.Venkateshwara
Office Of Head Service Quality
It is nice to get their acknowledgement and a commitment on time but I don’t know how these bankers try to over smart us… I requested for Reversal, Removal of name from CIBIL and Pay damages for agony caused which they cleverly left it. You can check this paragraph in my email to nodal officer.
Now your bank has not taken my name from CIBIL, they have taken my money twice which has lead to tremendous mental agony and I don’t know if you can help me out. I’d definitely want the bank to refund my money and pay damages for the trouble it caused me.
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Yogasanasa – Yoga Exercises
Bhujangasan
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Time: 1/2 minute
Method:
Benefits: Helps in keeping the dorsal spine elastic and strong. Backache due to overstrain can be thus relieved. Helps considerably in reducing abdominal fat.
Yogasanasa – Yoga Exercises
Dhanurasan
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Time: 1/2 minute
Method:
Benefits: Reduces abdominal fat. The compressing of the spinal column, pressing the nerves with the scapulae (the winged bones at the back attached to the arms) minimizes blood circulation while in the asan. But when the pose is released a greater supply of blood is endured to those very regions increasing spinal flexibility and definitely raising the vitality.
Yogasanasa – Yoga Exercises
Chakrasan
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Time: 1/2 minute
Method:
Benefits: Builds a flexible back, stimulates the nerves of the spine. One of the powerful back bending postures.
Yogasanasa – Yoga Exercises
Bhadrasan
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Time: 2 minutes
Method:
Benefits: Specially recommended for those suffering from urinary disorder. The pelvis, the abdomen and the back get stimulated through a plentiful supply of blood. Keeps the kidneys, the prostate and the bladder healthy.
Yogasanasa – Yoga Exercises
Vajrasan
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Time: 2 minutes
Method:
Benefits: Aids digestion and helps cure sciatica.
Yogasanasa – Yoga Exercises
Paad-Pashchimottanasan
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Time: 2 minutes
 Method:
Benefits: Reduces abdominal fat. Removes wind from the intestines and increases appetite.
One of my good friend called me and said he has got two proposals. He was happy that a girl proposed him and I was happier than him because I had good reason to ask him a treat. So today we went out for a movie and I thought it would apt to take him to the movie The Proposal.
I don’t want to talk more about that because it is someone’s personal and I didn’t get my friends permission to post even a bit of information he shared him (anyways pal if you read this blog don’t get hot because I didn’t specify your name :d).
Now I’m thinking how it would be if as girl has proposed me. Unfortunately not a single girl proposed me till date and not sure if I’d get that opportunity. I’m sure I’d have cherished if I had such an experience.
Thought I’ve approached girls for date and been successful couple of occasions I still envy people who got proposal from girls and strive to under go the experience.
Anyways let me not leave hope and keep my fingers crossed and wait for the lucky girl.
Back from watching The Proposal starring Sandra Bullock & Ryan Reynolds in the lead and the movie starts well with corporate humor and first half was fun and moves fast. Some where the director has lost track and second half been dragged long.
Now-a-days Hollywood movies resembles the Bollywood subjects and second half is like a typical north Indian touch of a rich family which has an heritage and a typical granny who takes over the climax.
Over all I was a great fan of Sandra during school and it is nice to watch her after a while and she still sizzles and movie is worth watching once.
Yogasanasa – Yoga Exercises
Ardha-Matsyendrasan
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Time: 2 minutes each side.
Method: Bend left knee, place left foot under right hip. Bend right knee, place right foot on left side of left knee. Hold left knee or right foot with the left hand – keep right knee on the left of left arm. Turn tunk to right, look back over right shoulder, right hand on ground or on waist as close to left thigh as possible.
Repeat with left knee bent and trunk turning to left.
Note: You may also hold hands through the gap below the raised knee.
Benefits: Increase the elasticity of the spine, and massage the abdomen and internal organs
Yogasanasa – Yoga Exercises
Sarvangasan
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Time: 2 minutes
Method:
Benefits: Promotes healthy secretion of the circulatory, respiratory, alimentary and genito-urinary systems. Keeps the spine flexible preventing the bones from early ossification. Supplies large quantity of blood to the spinal roots of the nerves, thereby giving them sufficient nourishment.
Yogasanasa – Yoga Exercises
Halasan
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Time: 2 minutes
Method:
Benefits: Makes the spine flexible, creates energy, and blood of the muscles of the back. Aids the functioning of the thyroid and thymus glands thus helping retain the individual’s youthful physical characteristics for a longer period.
Yogasanasa – Yoga Exercises
Pavan-Muktasan
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Time: 1/2 minute each leg
Method:
NOTE: This asan can also be done with both the knees folded.
Benefits: Removes gas from the abdomen and reduces abdominal fat. Increases the flexibility of the knees and hips.
Yogasanasa – Yoga Exercises
Matsyasan
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Time: 1/2 minute
Method:
Benefits: Makes the neck flexible and strong, increases the size of the rib cage, widens the windpipe and thus helps deep breathing. Relieves the neck after sarvasang.
Commerce ministry has proposed mandatory norms for making special economic zones (SEZs) green, a move that could raise initial capital expenditure by promoters and developers although it could lower operating costs in the medium to long term.
So what are those Green Rules?Â
Source: Ministry of Commerce & Industry.
I and my friend Balaji enjoy long drive and sipping coffee. Today Balaji called me at midnight and asked if we can go for a coffee and go for along drive. Though we are 29 years by age still we live under the control of our parents, TII (That Is India).
I accepted his request and I took my car and we drove to airport for a coffee and I remembered by cousin telling he has to pick up his brother from airport and I buzzed him and caught up with him. In food court we enjoyed good looking girls and some air hostess. Also there was one girl who showed more glamour and we thought it was worth the visit.
Then we came out and spent some time with my cousin in the arrival point and again it was pulling down each other and some more bottom fishing (in simple words some more babe watch).
Then we drove back home through the new Maduravoyal outer ring road. Balaji was sharing about George Clooney movie which portrayed how Americans do politics with other countries and that was interesting topic for rest of the travel. Then all of a sudden we thought we can do some exploration at that time by trying new service lane route and it clicked. It helped us to find a new route to by pass the toll.
Through our smart thinking and risk taking adventure attitude helped us to convert fairway to freeway. Then we returned home happily for saving Rs.30 that we spend for toll.
AnandNataraj 