• servicetoall
• Agents
• Budget
• January 15, 2008
• 5 Comments

Guidelines for Loan decision

Guidelines for Loan decision

1. Analyse the need and priority
It is very important that one does a fairly detailed self-analysis and introspection on the need and the usage for which the loan is to be used.
– Avoid buying luxury appliances on loan
– Avoid as far as possible usage of Credit cards and loan conversion options on those purchases
2. Budget expenses
It is always a good practice to budget the major expenditure on a monthly basis.
– Cover regular expenses including credit card payments and existing loan repayments

• servicetoall
• Associations
• Harassment
• January 15, 2008
• 0 Comments

Financial Institutions seduce the gullible

Introduction
The last couple of years have seen the emergence of LOAN MELAS promoted by leading multinational banks and financial institutions. The marketing strategy adopted by these institutions have been so aggressive that loan distribution seemed to be their main focus rather than identifying the right target audience to distribute the loans. The basic guidelines for loan eligibility determination are thrown to the winds, thereby the in eligible also are trapped into this vortex of loan melas.

Seduction

• servicetoall
• Answers
• Confusion
• January 13, 2008
• 1 Comments

Confusion and Intelligence

There is a school of thought that believes that; to be confused requires great intelligence. Doesn’t this seem to be a paradox? Well it appears so when this is looked at, at a macro level. A deeper understanding will clearly provide some insights into clarifying the misconstrued contradiction.

• servicetoall
• Fathers Day
• Mothers Day
• January 12, 2008
• 0 Comments

Old age Homes and Orphanages

Has anyone thought for a moment as to why, the Home for the aged and the Orphanages are on the increase? As I was pondering on this subject, a couple of annually celebrated days came to my mind. The Valentines day, the Fathers day and the Mothers day are some of those which immediately rang a bell. On a very macro level everything seemed to be fine as one of self-expression.

• servicetoall
• Desires
• Greed
• January 11, 2008
• 1 Comments

Arrest the unrest prevalent everywhere

The ever increasing tools for entertainment, comfort, luxurious living etc. all have added to the human extending their wants. Now there is no limits to wants, which results in the need for more money to satisfy those wants. The source of legal money is restricted, so one looks for alternate illegal ways to reach for the money and there in is the start of the unrest, chaos, greed and all that reveals the illegal path for money.

• servicetoall
• Blogs
• Copied
• January 11, 2008
• 4 Comments

Advice to bloggers

I have observed that many blogs in this site containing poems, jokes etc are duplicated from other sites. It is quite possible that many could be with a sincere objective of sharing some of the jokes which one may have observed in some other site and the intention is good. However if it is with an intention of collecting point as blogs, please be rest assured, that it will be easily traced and deleted by the moderators.

• servicetoall
• Alumni
• Education
• January 11, 2008
• 4 Comments

Motivate teachers

Teaching is one of the most revered professions. But, what has this come to

• servicetoall
• Politics
• Pseudo-Secularism
• January 10, 2008
• 1 Comments

Is this secularism

Are the so called secular parties and their leaders truly secular. I am narrating below 2 recent happenings and the reactions or otherwise from representatives of the so called secular principles.

Priyaranjan Das Munshi in his recent statement has said that Taslima should bow with folded hands infront of Muslims of India and seek apology for hurting the sentiments of muslims in India. While I agree that one should not hurt the sentiments, do we get the same sort of statements if the hindu sentiments are hurt.

• servicetoall
• Autism
• Child Psychology
• January 10, 2008
• 2 Comments

Learning Disability

During the days when child psychology, IQ grading were all very primitive, the children who were performing below par, where subjected to humiliation by every one including the family members. This resulted in the psyche of the child totally shattered leading to disastrous consequences.