ANURADHA's BLOG

Amway

2011-06-29T13:35:00.001+05:30

Whenever we hear this name the first thing that comes in our mind is MLM (multilevel marketing).
Oh noooooooooooo this is not my cup of tea, I can’t do this, products are expensive etc. etc.
I also used to react the same way. I have been contacted 2 year back by one of our relatives for the Amway products. My reply was obvious, a big ‘NO’ as I thought the same way other think of MLM.
Again few days back in my building I have been approached by someone. I was thinking how to say no. At last I told her’ I can’t do MLM sort of thing’. Her reply was” yaar see the demo of the product and then decide, I am not insisting you to buy or get membership. “This seems to be good idea .Very next day she with her husband gave me demo of products. I was convinced with products.
Next question haunting in my mind was the product price. She told me products are concentrated and per-use cost is very less.

I ordered few products for trial as I wanted to judge myself also. I really liked the product.
I would say that though the price of its products seems to be high but has proved quite useful and that's what counts.

Finally I decided to take membership. I contacted her .She explained me” Once you register with Amway, you become a distributor. In case you are not interested in the business, you can get the goods directly in your name at a discount of approx20% discount on MRP and can be a registered customer. At any point of time you have an option to take it as a part time business and start generating income”. I took membership to avail discount of 20%.

I told her clearly that I would not be able to turn this into business but yes I will be the consumer at least.

My driving lesson experience.

2011-05-25T14:12:00.003+05:30

This time I decided to learn driving. I enrolled in a driving school in order to learn how to drive my own car. I had never attempted to drive any vehicle before. On the very first day of the lesson I was very excited about it. I was very nervous when I got into the driver’s seat.

Instructor told me the basic things and on his instruction I started the car. Oh God, car seems to go left, I tried to handle, but failed to do. It was instructor who handled the car. This was my first day of driving.

After 1 week of practice, I was not still able to drive along traffic. Many times I used to forget to change the gear and pressed the accelerator with full strength instead of hitting the brakes. On this instructor used to shout on me, “Mam what are you doing? Despite 7-8 class of driving, you are not able to handle the car”. This made me very upset and I lost my confidence. Problem is that I don’t mind being corrected if I make a mistake but I really can’t stand if somebody shouts on me. I thought I will never be able to drive my car. I decided to leave this driving project here only. In the evening, I told all this innocently to my husband, he burst out laughing and told dear this is challenge for you and moreover I am confident that soon you be able to drive a car. His confidence in me boosted my confidence. My classes got over in 15 days. Now I can drive my car with confidence. But, still learning many things about traffic.

Speak Asia Online

2011-05-17T14:21:00.006+05:30

Source- Moneycontrol.com

Survey group Speak Asia Online (SAOL) today said it has worked for companies such as Bata, Nestle,Airtel, ICICI and ING Vysya but has not provided commissioned services to them amidst media reports that the company had falsely claimed them as their clients.
"We have interacted and worked with these companies. But we have not provided any commissioned services to them," Speak Asia India's Chief Executive Officer (CEO) Manoj Kumar, told reporters here.
SAOL is a company where consumers pay around Rs 11,000 for a membership which will allow them to conduct some surveys online for the firm.
The members also get paid for filling those surveys. It is believed that the Rs 11,000 investment could be recovered within three months.
There were reports that during a trade fair in Goa, SAOL marketing team had claimed that ICICI, ING Vysya, Bata, Airtel and Nestle were its clients.
However, it was later reported in some sections of the media that the companies denied having any business connections with SAOL.
"There has been some miscommunication in the media about our relationship with the companies. Our marketing team had during a trade fair in Goa said that the companies were our clients. There has been some factual errors on our part. I apologise to the companies on behalf of my team. We have only worked with them," he said.
When asked if the company was allegedly violating the regulations of RBI, Kumar said, "the regulations of the RBI are regarding foreign exchange transactions. We have followed all the guidelines in regard to the forex money transfer.
ICICI and ING Vysya are involved in forex remittances for us. We have no banking business with these banks."
On the Goa government conducting an inquiry against the company, he said, SAOL has not received any official communication on it.
"We will provide all the details to the authorities if there is any investigation. We have all the necessary documents. We have not done anything wrong. But if we are found guilty, we are ready to face the consequences," he said.

Aur bhi gum hai jamane mein Credit Card ke shiway - (PART 3)

2010-12-22T12:10:00.006+05:30

Aur bhi gum hai jamane mein Credit Card ke shiway - (PART 1)
Aur bhi gum hai jamane mein Credit Card ke shiway - (PART 2)

Hurreh ! At last I am out of the CIBIL defaulter list.No doubt this was not easy task but I did it.It took long time and great deal of effort.Many time these bank have challenged my patience but I had no option except to fight for wrong done to me. I called the customer care several times But no solution.I keep mailing and following up with banks and lodge a complaint with banking ombudsman.The thing is that if I have not made any default then why should I suffer.
Recently one of my friend has got his loan application rejected on the same ground.So,don’t get surprised if your loan application get rejected even if you made all your payment so far.A small mistake on their part can put you in the Defaulters list of CIBIL.

"Believe in yourself"

2010-10-11T10:30:00.006+05:30

Believe in yourself and all that you are. Know that there is something inside you that is greater than any obstacle.

Believe that you will succeed, and you will.

The future belongs to those who believe in beauty of their dreams.

"Just like that"

2010-08-12T09:47:00.001+05:30

1. MOPED is the short term for ‘Motorized Pedaling’.
2. POP MUSIC is ‘Popular Music’ shortened.
3. BUS is the short term for ‘Omnibus’ that means everybody.
4. FORTNIGHT comes from ‘Fourteen Nights’ (Two Weeks). 5. DRAWING ROOM was actually a ‘withdrawing room’ where people withdrew after Dinner. Later the prefix ‘with’ was dropped..
6. NEWS refers to information from Four directions N, E, W and S..
7. AG-MARK, which some products bear, stems from ‘Agricultural Marketing’.
8. JOURNAL is a diary that tells about ‘Journey for a day’ during each Day’s business.
9. QUEUE comes from ‘Queen’s Quest’. Long back a long row of people as waiting to see the Queen. Someone made the comment Queen’s Quest..
10. TIPS come from ‘To Insure Prompt Service’. In olden days to get Prompt service from servants in an inn, travelers used to drop coins in a Box on which was written ‘To Insure Prompt Service’. This gave rise to the custom of Tips.
11. JEEP is a vehicle with unique Gear system. It was invented during World War II (1939-1945). It was named ‘General Purpose Vehicle (GP)’.GP was changed into JEEP later.
12. Coca-Cola was originally green.
13. The most common name in the world is Mohammed..
14. The name of all the continents end with the same letter that they start with.
15. The strongest muscle in the body is the tongue.
16. TYPEWRITER is the longest word that can be made using the letters only on one row ! of the keyboard.
17. Women blink nearly twice as much as men!!
18. You can’t kill yourself by holding your breath.
19. It is impossible to lick your elbow.
20.. People say “Bless you” when you sneeze because when you sneeze, your heart stops for a millisecond.
21. It is physically impossible for pigs to look up into the sky.
22. The “sixth sick sheik’s sixth sheep’s sick” is said to be the toughest tongue twister in the English language.
23. Each king in a deck of playing cards represents a great king from history. Spades – King David Clubs – Alexander the Great, Hearts – Charlemagne Diamonds – Julius Caesar.
24. Horse Statue in a Parkâ?¦ If a statue of a person in the park on a horse has both front legs in the air, the person died in battle. If the horse has one front leg in the air, the person died as a result of wounds received in battle If the horse has all four legs on the ground, the person died of natural causes.
25. What do bullet proof vests, fire escapes, windshield wipers and laser printers all have in common? Ans. – All invented by women.
26. A crocodile cannot stick its tongue out.
27. A snail can sleep for three years.
28. All polar bears are left handed.
29. Butterflies taste with their feet.
30. Elephants are the only animals that can’t jump.
31. In the last 4000 years, no new animals have been domesticated.
32. On average, people fear spiders more than they do death.
33. Shakespeare invented the word ‘assassination’ and ‘bump’.
34. Stewardesses is the longest word typed with only the left hand.
35. The ant always falls over on its right side when intoxicated.
36. The electric chair was invented by a dentist.
37. The human heart creates enough pressure when it pumps out to the body to squirt blood 30 feet.
38. Rats multiply so quickly that in 18 months, two rats could have over million descendants.
39. Wearing headphones for just an hour will increase the bacteria in your ear by 700 times.
40. If you sneeze too hard, you can fracture a rib. If you try to suppress a sneeze, you can rupture a blood vessel in your head or neck and die.
41. The cigarette lighter was invented before the matchbox.
42. Most lipstick contains fish scales.

Don’t mix insurance with investment plans’

2010-06-02T15:17:00.005+05:30

I have seen people getting confused with the term insurance and investment. These people expect something in return on the maturity from the insurance company. This so because these people hardly understand the importance of insurance and investment. In many cases insurance agent also make the person fool by using the situation in his favour by selling insurance to a person interested in investment.

What is insurance?
Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance policy.

Concept of Insurance / How Insurance Works?
Concept behind insurance is that a group of people exposed to similar risk come together and make contributions towards formation of a pool of funds. In case a person actually suffers a loss on account of such risk, he is compensated out of the same pool of funds. Contribution to the pool is made by a group of people sharing common risks and collected by the insurance companies in the form of premiums.

What is investment?
Investment is the commitment of money or capital to purchase financial instruments or other assets in order to gain profitable returns in the form of interest, income, or appreciation of the value of the instrument. Investment is related to saving or deferring consumption.

Now the question is which insurance is better and why?
As per my view Term Insurance is better. Term Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount at regular intervals or in lump sums. If he outlive the term of the policy, he will get nothing.

Now understand the whole scenario with the help of an example.

Rajesh age is 28yrs at present. He has planned for LIC money back policy. If he gets insurance of 10,00,000 for 20yrs, then he has to pay hefty premium of 62,260 for 20yrs. Which mean his total investment would come around 62,260*20 = 12, 45,200 nearly. He will get 2, 00,000 back every 5yrs and remaining amount with bonus will be paid at the end of the period.

If he plan to get term insurance of 10,00,000 for 20yrs , then he has to pay only nearly 2890 every yr over period of 20yrs which mean in total he will pay 2890*20=57,800. No doubt he will lose this amount if he outlives the policy. But if he dies his dependent will get coverage of 10, 00,000.

So the difference of amount invested in two option is 1245200-57800=1187400. With the term insurance he has the option to invest the remaining amount i.e. 1187400 into some good mutual funds over a period 20yrs.Even if he get the average return 20% his amount will much more (nearly 1 crore).

So, it is clear that one should opt for term insurance and make the investment where there is high return. In this way if anything happens to the person then dependent will have the 10, 00,000 and also the amount which he invested along with the return.

This will assure him of comfortable life for himself and his family whether he lives or anything happens to him.

Why to send kids to play school.

2010-04-29T12:52:00.003+05:30

Sending kids to playschool is the basic step to prepare them for the outside world development.

In metro cities most of the family is nuclear one and parents prefer to send their kids to play school where they can mingle with other children and learn how to cooperate and many other things.

Kids enjoy playing with children of same age group and their metal ability improves.

Kids learn many things through rhymes, songs and short stories and this improves their understanding.

Some kids are so attached to their parents that they do not want to leave their parents. Play school provide such an environment to the child to make them comfortable and these children easily get adjusted in school environment, when they start going to school.

Making friends, taking turns, sharing and talking give them head start in their social life. They also learns manners, teamwork and to be courteous.

There is no criterion that judges when to send a child to play school. It depends upon child only, as every child is different. Whenever parents feel that their child is comfortable going to play school they can start sending them.

Few meaningful lines, I learned from my experiences.

2010-04-08T12:47:00.005+05:30

If you are looking for strength
Face the difficulties you came across. This will make you strong.

If you wish for wisdom
Face the problem you came across and solve it. This will streamline everything in your life.

If you look for prosperity
Then use your brain and work hard. This will give everything you desire.

If you wish for courage
Face the danger and try to overcome. This will make you hard.

If you want favors
Then don’t let the opportunity to go waste. This will help you to climb the ladders of success.

Stories and Kids- Part I

2010-02-16T13:47:00.004+05:30

From past few days I am little tense. My concern is my child. I noticed that from few days he got more irritating, shows tantrum and stick to the things he desire. I have to work hard to make him eat on time. All his activities start irritating me to much so I resort compelling him to do the things. But this way nothing workout and my headache remain as it is.

As we all know that every problem has some solution. What I found on observing him for few days that he start irritating when he feel hungry or sleepy. So I planned to prepare his diet plan. And start giving him meals accordingly. Yes this time this idea worked. Actually problem is that 3-4 yr child sometimes find difficult to express the things that’s why they behave like this. To make him understand right or wrong I started telling him short stories. It proved to be wonderful idea.

We all know small kids love stories. It’s the best way to explain out the thing which we want them to know by creating stories and telling them the same. This way they understand what is right and what is wrong. While telling stories you can notice the excitement and curiosity in their small eyes. This way child starts loving you more and even you will have great feeling when your child cuddle in your arm while listening stories.

I am sharing some stories with you.

Clever Sheep

One day a careless sheep was trying to cross jungle. On the way one wolf cornered him.
Though sheep was careless but was very clever.
Wolf said: - you little sheep can’t escape this time.
Sheep replied softly you are very much right.
Grant me my last wish before you eat me. Please sing a song for me.
Wolf said:-ok,
And he started began to howl. On hearing the howl Dogs came running and drove the wolf away.

MORAL: - Always use your mind whenever you get into any problem and never give up.

Two Friends-Tinku and Minku

Tinku was lazy and naughty child. He never listened to his mom.
Minku always listened to her mom and respected the elders. He always maintains balance between study and play.
Tinku feel very jealous from Minku because everybody loves Minku. All children love to be friends with Minku.
One day Tinku asked his Grandpa that nobody likes me. Why?
His grandpa told him politely that Minku is good boy and he always listens to his mother and he is also good in his study.
From that day Tinku also started listening to his parents and his performance gradually improved in his study.

MORAL:-Balance is necessary between study and play. Child who listens to their parent and respect elder are liked by everyone

The Dog and the Shadow

A dog was crossing a bridge over a river with a piece bone in his mouth, saw his own shadow in the water .He thought that it is another Dog, with a larger piece of bone in its mouth. He immediately attacked the other Dog so that he can enjoy the larger piece. What happened? In attempt of getting the both pieces he lost his own bone piece also. He thus lost both.

MORAL: Greediness is always a losing game.

Sign of development in Bihar

2010-02-10T21:20:00.003+05:30

Recently in newspaper (Times of India), I have gone through an article on the growth rate of Bihar. I hardly read news paper on daily basis but when my husband told about this then I was not able to stop myself to read that. Though I am brought up in Delhi but being Bihari I was so excited after reading the article. Every Bihari must have appreciated this development of their native place. But one thing came into my mind - Will this growth continue? . Government has worked hard and definitely it will help to improve the image of Bihar.

I see many people feel ashamed of disclosing that they are bihari as they don’t want to be insulted and commented. People belittle Bihar as they feel most of the biharies in Delhi are poor and doing job like rickshaw pulling or selling vegetables but do they consider those biharies who are at good position in top of companies and who are really doing well in their profession. People from Bihar have switched to different state in search of job and livelihood and this so because of poor development of the state, lack of job and opportunities.

We accept that there is problem, but who are responsible for this poor condition? Is these leaders only? I don’t think so. We educated Bihari are also responsible for this. We the younger generation can create a new social image of the Bihar and help the government in creating turnaround success story of Bihar. For this first of all we have to change ourselves. We should start maintaining law and order, respect and help each other, and practice fair play. I understand this cannot be done in a yr but we can uplift our native place slowly but steadily.

I strongly appeal to the small and as well as big entrepreneur to start their operation in Bihar. This will help youth there to get job and let other also think in same manner. Slowly infrastructure will also improve.

I have strong hope that Bihar will change for good and soon all Bihari would go back to Bihar and will feel proud to called Bihari.

Love Is

2010-01-15T12:43:00.006+05:30

Meaning of love cleared to me when I experienced the love.

Here I wrote some lines on it.

Love Is

Everything appears lovely now,

It’s been having someone,

You can’t live without.

It is strong desire,

To hold your love for ever,

This is what loves all about.

Feeling of happiness even all goes wrong,

Sitting & thinking of lovely songs.

Heart dance on rhythm of love,

Eyes shine with lovely thoughts

That is what loves all about.

Smart Mom Contest

2009-12-30T15:11:00.005+05:30

Today was Annual Day of play school of our kid. We visited Kamani Auditorium to attend the function. School also organized a contest for mothers i.e. SMART MOM CONTEST. I was also one of the contestants. Since my childhood I came across many contests but this was totally different one. I was excited but bit nervous too as after a long time I was about to face a large audience.

We reached at 4.30 PM. After few performances of kids as scheduled the contest started. Judges took their place. After the first contestant, my name was called for first round. I took the deep breath and answered the question. I was not expecting that I will clear this round. Some of the moms have answered terrifically well. So I was sure I will not be selected. But hey! I was surprised to know my name in the second round of the contest. Now second round started. One of the judges asked me “What’s your sweet dream that yet to be fulfilled and what’s your biggest achievement so far.?”

My answer was:

Good evening parents and judges.

I am Anuradha Kumar, Ayush Kumar’s mother. My husband is in IT profession. We both try to give best platform to our child to grow. Few months back we started searching for play school for our child. Our criteria were affordable fees, less distance and good environment. Our search came to an end when we visited Blooming Flowers. Now my child is a part Blooming Flowers Family.

Everybody has some dream that they want it to be fulfilled. Dream gives us burning desire and develops an attitude that gives us energy. They give meaning to our lives. It gives us very nice feeling when we think of it. But how many of us work for our dream to make it real. Some of us never take any step due to fear of failure. Only people with vision work hard & overcome all barriers to make their dream true. In short only those people succeed who learn from their failure and bounce back again with more energy.

I was brought up in very supportive environment and I have always been a career oriented girl. I dreamt of being a successful entrepreneur. I did job as HR person for 3 yrs and but decided to leave my job on the birth my loving child. Leaving job was my own decision but still I was not happy from inside. Something was missing and some sort of battle was going in me. Then I decided to start something of own and make my dream of being successful entrepreneur true. I already prepared the ground required for this and put myself get going. I am not denying of challenges I might face but yes I will not give up this time.

I am appealing to all moms, not to give up your hope and your dream, move on. I am very much confident that you all capable of making your dream happening along with family.

I believe, smart mom is one who manages all things well despite of challenges she faces.

Wish me luck and pray for me, so that I get success.

If my dream gets fulfilled, this would my biggest achievement I ever had.

Bad luck this time, I was not in the list of three finalists. But it’s ok. At least I cleared the first round. This contest arose one question in my mind “Can these few question can determine whether one mom is smart or not”. I don’t know this entire thing. I know one thing only I love my child so much.

Aur bhi gum hai jamane mein Credit Card ke shiway - (PART 2)

2009-12-17T22:59:00.007+05:30

Aur bhi gum hai jamane mein Credit Card ke shiway - (PART 1)

I have received my CIBIL report after waiting for almost 15 days. It is full of crap. Apart from fraudulent accounts, data is full of duplicates and errors. Duplicate data is increasing the overdue and loan amounts.

First page itself was full of errors.

In image above all section in red square is crap data.

- One of the telephones no is wrong. Tel No – 400000019 seems to be a false number. I don’t think any city in India have 9 digit land line number. First number is indeed mine.

- The Voter Id & Passport No is also not mine. Above all the Passport no is wrong. This is a PAN entered at wrong place.

- All the addresses are wrong except one. Although my original address was reported way back in 29 Feb 2008. Banks never bothered to verify the new changes in CIBIL.

- Above report was given to me by a Bank whom I asked for loan and the loan was rejected based on this report.

- You can clearly see a overdue of Rs 4,60,007. But the report I have received from CIBIL directly has an amount of Rs 2,42,347. So how come there was a decrease of Rs 2,17,660 within 10 days. How come? When I asked for the report directly CIBIL tried to correct some data hurriedly to hide their mistakes but have failed to do so.

Below is the list of Credit Cards/ Personal loans / Auto Loan which I have never applied for or have received. I have disguised some of the characters in Account no. As my purpose is just to highlight the misdoings of the CIBIL and Banks. I don’t want to make any account public. As there might be some innocent account holders whose data is reflected under my name due to mistakes by banks and CIBIL.

By number of fraudulent account ICICI bank is at no 1 with 7 accounts. 4 Credit cards, 1 Personal Loan, 1 Auto & 1 Two wheeler loan. Bank never bothered to verify data while issuing credit card or loan. Even though I am an old customer of ICICI bank, still they never called me for any verification.

Look at HDFC bank. 1 personal loan & 2 credit cards. Interestingly both credit cards are having same card no. still CIBIL has 2 records so the overdue and high credit is doubling up. Anyway these accounts are also not mine. I am also a customer of HDFC bank since 2005. Still they never verified it with me regarding any new requests same manner as ICICI.

Now come to SBI Cards – 2 credit cards opened on same day. How come? May be one is add on card. So fraud with add on cards as well. Great …..

GE Countrywide – Again 2 record with same account no. So the overdue and high credit is doubling up.

CITIBANK – I have salary account with CITIBANK. All of you having salary account in this bank beware. I have used a credit card from Citibank and that was closed by me. These 2 cards – although these cards are closed, but I have never used these 2 cards. Apart from that one of them have overdue of Rs 1214. unless until these records and dues cleared from my CIBIL record I will never get any loan or credit card.

I have started contacting each and every bank one by one. Initially I might face rebellion among banks or they might deny my request altogether. But I need to be strong and patient enough to deal with these modern beasts.

Wish me luck. Will update you soon as it progresses in part -3.

Aur bhi gum hai jamane mein Credit Card ke shiway - (PART 1)

2009-12-16T10:39:00.008+05:30

Credit Card!!! Plastic money!!!. Flash it anywhere anytime. Visa Power. There is something money can't buy, everything else there is MasterCard.

Now a days we all use credit cards. Most of us opt for loan for buying anything ranging from home to washing machine. But while doing all this have we ever imagined how we can get trapped into a fraud.

Recently I applied for my first loan from Axis Bank. I thought I have a good financial record. Modest salary to repay my EMI. I was almost confident I will get an approval. I use only two credit cards. For which I have not paid any interest to bank. As I pay all my dues on time. Smart na.....

But not so smart. Bank after completing all verification and KYC (Know your customers norms) contacted me. I will not name anyone here but the employees of AXIS BANK were very helpful. I will not hesitate to contact them again in future. Professional ethics which is rare.
I was told I have a overdue of 3L +. Thud....................

I got a big shock. When did I took a loan of this amount? May be in my previous life. But that time there was no credit card or personal loan or auto loan or consumer loan. I suppose so. But even if that's possible was my name same as in this life or PAN number was same? May be I will have to go to NDTV Imagine new reality show "RAAZ - Pichhle Janam Ka".

But question is how come 3L overdue? Then I got to know. I am having

- 22 Credit cards from different banks.
- 1 Auto loan.
- 2 Personal loans

I never knew I am so wealthy that I can have this much cash flow. I didn't get sleep for 2 days. When I told this to my parents. They were worried too. Too many questions came in my mind .....

- No bank will give me loan now. So I cannot buy a home or a car unless until I have full amount.
- What will I do if all credit card lenders start running after me for dues which I have not taken?
- What if these fraudsters do any unlawful activity using those credit cards?
- What if recovery agents start harassing me?
- What if one day I find police at my door for non of my faults?

But at last I thought just thinking is not going to help me. I will have to act. So I started looking on Internet how to get out of it. And what I found is I am not alone there are numbers of cases like this. And bank & government is doing nothing. So sooner you act sooner you get out of it.

First question is - How it happened?

We provide our PAN card photocopies / Address as proofs to different institutions. i.e. To banks for new account, for new telephone connections, for new credit card. Most of the time collection of documents is outsourced to some private organizations. We call them DSA (Direct selling agents). Sometimes verification is also outsourced. A person comes up for document collection. We never hesitate to hand him over the document and cheques. Hardly we enquire about their "I" card. Most of these DSAs have no professional ethics. They are only concerned with numbers. They will go extra miles to get the work done at any cost. This attitude leads to frauds. If someone close to him asks for a loan/ credit card. And that person is not capable of getting loan / credit card at his own. These DSA will reuse your document with false address proof to get his/her credit card / loan sanctioned. Banks also do not bother to check if photographs matching.

Sometimes even some bank employees are also involved in this nexus. But the numbers are few. Once you get a credit card in your name. Second bank will offer you credit card just on the basis on first credit card. Without bothering to check the authenticity of the person applying.

Modern technology also comes to help for these people. A PAN card photocopy can be scanned and photograph / PAN no can be changed using Photoshop or similar software. Then a colored printout can be taken. This printouts will be more authentic than our black & white photocopies of PAN card.

How to avoid these situations?

I am a victim so it's true I have not followed it in past but certainly I will follow these in future. It's also true you cannot fully avoid these situation as most of the things are not in our hand.

- Don't trust any DSA. Deal directly with banks. It means you will have to take few off from office but it's worth.
- Banks don't take DSA seriously. They treat them like anything. So If your loan is not approved, in most of the cases DSA are not provided with reason.
- When you provide any proofs. Do sign and write the reason whom you are giving these documents. Put date, sign across, write purpose / bank name.
- Get your CIBIL report before you apply for any loan. And check your status. How you can get your CIBIL report is mentioned in this article.
- I will also suggest get your CIBIL report every 6 month or 1 year. To get to know if any wrong entry is there. Shell out 142 rupees every time you ask for a report. But its worth till RBI or government do something regarding this.
- Last but not the least don't use credit card, don't take any loan. :-)

Well now question arises how come these data is maintained in public domain?
There is an organization called CIBIL - Credit Information Bureau (India) Limited

Credit Information Bureau (India) Limited (CIBIL) was incorporated in 2000. CIBIL’s aim is to fulfill the need of credit granting institutions for comprehensive credit information by collecting, collating and disseminating credit information pertaining to both commercial and consumer borrowers, to a closed user group of Members. Banks, Financial Institutions, Non Banking Financial Companies, Housing Finance Companies and Credit Card Companies use CIBIL’s services. Data sharing is based on the Principle of Reciprocity, which means that only Members who have submitted all their credit data, may access Credit Information Reports from CIBIL. The relationship between CIBIL and its Members is that of close interdependence.

More question on CIBIL can be answered on this link http://www.cibil.com/faqs.htm

CIBIL is not a clean organization. This organization is created by banks and they have a backing of RBI and all banks. Even for wrong information you cannot complain about CIBIL. They will not delete your wrong info. Only banks will have to inform them to correct your record. But by that time you might have already paid the price for this.

The disclaimer in CIBIL reports : All information contained in this credit report has been collected by Credit Information Bureau (India) Limited ("CIBIL") based on information provided by its various members ("Members"). Consequently CIBIL disclaims any and all responsibility on accuracy, completeness, and veracity of any and all such information provided. The information is current and up to date to such extent as provided by its Members. Any information contained herein does not reflect the views of CIBIL or its directors or employees. The use of this report is governed by the terms and conditions of the Operating Rules for CIBIL and its members.

My comments on disclaimer : So they are not responsible for making a honest taxpayer's life hell. Even if they put crap in report they are not responsible for not allowing you to buy a home or a car which you deserve. Even members who are owners of CIBIL say I am not responsible.

My Suggestion : Make CIBIL information online but secure. So that anybody can check their report anytime. If CIBIL needs money for its directors to fly business class. A citizen like us would not hesitate to pay a nominal annual amount to get access to CIBIL reports online. Or start a SMS alert to registered mobile no. So that people will know whenever there will be request for any new loan or credit card against their PAN no. And the customer will be alerted against any fraudulent transaction. This will solve lots of hassle for million of people.

How as an individual I can access my CIBIL report?
Till September 2009. CIBIL information was only available to financial institutions and its members. But now government has forced CIBIL to provide reports to individuals. We can have our CIBIL report for just 142.00 Rs. There are different ways you can have your report.

You can now access your Credit Information Report (CIR) directly from CIBIL. As you may be aware, your CIBIL CIR is a factual record of your credit payment history compiled from information received from credit granters. The purpose is to help credit granters make informed lending decisions - quickly and objectively, and enable faster processing of your credit applications to help provide you speedier access to credit at better terms. You can request for a copy of your CIBIL CIR in three quick steps through Email, Mail or Fax: http://www.cibil.com/accesscredit.htm

Download CIR request form from - http://www.cibil.com/pdf/Consumer_Disclosure_Form.pdf

Email: myreport@cibil.com
Email the CIR Request Form duly filled in
Mail self attested hard copies of your latest Identity Proof and Address Proof documents and Fees to P.O.BOX 17, Millennium Business Park, Navi Mumbai- 400710
Once CIBIL receives the documents and Fees, your request will be processed and copy of your CIR will be dispatched to you.

Letter: Address*
Write to CIBIL with the CIR Request Form duly filled in
Mail self attested hard copies of your latest Identity Proof and Address Proof documents and Fees to P.O.BOX 17, Millennium Business Park, Navi Mumbai- 400710
Once CIBIL receives the documents and Fees, your request will be processed and copy of your CIR will be dispatched to you.

Fax: 022-40789007
Fax CIBIL the CIR Request Form duly filled in
Mail self attested hard copies of your latest Identity Proof and Address Proof documents and Fees to P.O.BOX 17, Millennium Business Park, Navi Mumbai- 400710
Once CIBIL receives the documents and Fees, your request will be processed and copy of your CIR will be dispatched to you.

1. Valid Identity Proof: PAN Card/ Passport/ Voters ID (Mail self attested hard copy of any one of these Identity Proofs)
2. Valid Address Proof: Bank Account Statement/ Electricity Bill/ Telephone bill (Mail self attested hard copy of any one of these Address Proofs)

3. Payment terms: Demand Draft (DD) of Rs 142/- (inclusive of all taxes and express delivery charge) , in favour of Credit Information Bureau (India) Limited payable at Mumbai

All your correspondence to CIBIL must be sent through Indian Post only

I have just applied for a CIBIL report and waiting for it.

What should be my next action?

Once I get my report I will have to contact each lenders or say banks to correct the data. I will have to tell each and every bank that I am the actual owner of the so called PAN No. And so called loan / credit card is not mine. I will have to ask them to block the credit cards initiate a fresh verification. Now its banks duty to get the CIBIL record corrected. Which banks don't do normally.
If I don't get satisfactory reply from banks, I will have to contact bank ombudsman India. After that I can contact consumer forum.

This article is meant for all readers for creating awareness. So you don't get into this mess.

This article will continue and I will let you know how I came out of it clean and stronger than before...............

Do let me know if anyone of you have come across this kind of situation. And how you handled it.

Aur bhi gum hai jamane mein Credit Card ke shiway - (PART 2).

Aur bhi gum hai jamane mein Credit Card ke shiway - (PART 3)

Affordable Housing

2009-12-07T15:16:00.009+05:30

Are you looking for budget homes?

Finding home within your budget look like a dream, but now its no more a dream as Raj Nagar Extension on NH-58 is the upcoming budget lane for the buyers .

Best part of this location is that , an association of 15 builders are offering attractive rates to the buyer that are not found elsewhere.Flat here can be found in range of 1800-2000sq ft which can easily fit the budget of middle class family.

Secondly this place enjoy good connectivity with Delhi as well as with Noida (15-minute drive), Greater Noida (35 minutes), Vasundhara (10 minutes), Indirapuram (10 minutes), Vaishali (10 minutes), Meerut and Hapur (40 minutes each).The proposed Metro Rail project from Dilshad Garden will give better connectivity.

Moreover number of educational institutes as well as schools also are in the vicinity.Some of the Developers having presence there includes Ashiana Homes,SVP Group, SG Estates, Landcraft,KDP Infrastructure pvt ltd etc.

Some of the useful links are:-
Landcraft
KDP Infrastructure

My few words to My Husband

2009-11-26T17:53:00.007+05:30

Sometimes it becomes necessary to show your love for your Husband. So that he can know, what he mean to you.These small effort bring closeness in relationship.Though I am not good in writing poems but still I tried to put my all feelings in this poem.I presented this poem to my Husband, and he really liked the one.I believe these small things strengthen the relation.So here is the poem.

To My Wonderful Husband-by Wife

I like the way,
You came in my life.

I like the way,
You make my heart yours.

I like the way,
You bring smile on my face,
Whenever I feel shattered.

I like the way,
You forgive me for all my silly mistakes.

I like the way,
You give me surprise, so often

Yes, You do hurt me sometimes,
But still I love you too much.

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Developing Learning Habits

2009-11-11T19:02:00.002+05:30

Yesterday I took my son in a nearby park, there; I was speaking to lady who lives in our building about schools and kids problem. While discussion about the homework, she said she use to complete his son homework sometimes. On this I asked her. Hey why? She answered “homework has to be done that’s why”. I was shocked to know her views and thoughts.

These things are dangerous for a child. This way child will never take study seriously. Study habits have to be developed at early stage. I understand that teaching good habits and good behavior is not easy but not difficult also if steps are taken at early stage.

We have to develop their interest in study first. The more they are comfortable with idea of learning, the more they will be interested in knowing the things and completing their homework by their own.

At home I usually observed my son writing on newspaper and sometime drawing lines by pencil or crayons. Now he gets homework. In initial days I really found difficult to make him seat to complete his homework. He gets sleeping lines, straight lines etc. in his homework. This seems easy for us but not easy for 2.5yr child. For few starting days I had to negotiate with him, I only offer his dear things, once he completes his homework. He usually likes chips and sweets. Within 3-4 days he started completing his work by own without any negotiation under my guidance.

I learnt one thing from my experience that, to teach a toddler requires lots of patience. Now he developed the habit of doing his homework.
Yes it’s difficult to make a child to develop habit of doing homework but patience, dedication and love for your child definitely help you to do so.

Here are some points that I am sharing with you, which I gained from my experience.
-Always try to make study interesting.
-Whenever you go out, discuss the surroundings, nature and other study related topics with them. But don’t stress them too much.
-Make them understand about the importance of education and discuss with them about some famous personality who are successful as they were good in studies.
-Always encourage them, that they are capable of doing things. Also help them to find out easy way of doing things.
-Boost their self confidence.
-Please reward them on their achievement as it is also way of encouraging them to keep the good work going.

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Herbal Treatment

2009-10-31T18:12:00.003+05:30

In our busy life style we hardly care of taking our meals on time. This cause many deficiencies in our body and hence causes disease also. Do you know many of the disease that people have, can easily be cured by using things present at home?

Here are some tips that I have found by which you can keep yourself healthy.

Onions: - Onion has place in every kitchen because it add wonderful flavor to foods. Onion has medicinal value also as it is good source of chromium, vitamin c, floate and dietary fiber. They have anti-bacterial and anti-fungal properties. This also has impact on high cholesterol and high blood pressure.

Carrots: - Carrot juice has anti-carcinogen properties. Thus, it helps prevent cancer. Carrots are rich in alkaline elements which purify and revitalize the blood. This is good for skin. It contains Vitamin A which is good for eye sight. It contain anti-oxidants thus prevents cell degeneration. Anti-oxidants also slow down the ageing process.

Ginger:-Ginger is well known for its antifungal, antibacterial, anti tumor, anti-ulcerous and pain relieving properties. It also give relief in case of cold, flu, chills, fever, headaches, stomach, upset, improving blood circulation, reducing nausea, morning sickness during pregnancy. In women, remedies made from the ginger can be used to help relax the muscular spasms and in relieving the pain present during ovulation and during menstrutrual periods. But it should be avoided by the person with ulcer, high fever or skin inflammation. In case of any problem it is good to consult a doctor.

Garlic: - Garlic or lahsun is commonly used in Indian kitchen. It is quite useful in case of high cholesterol, heart related problems, indigestion, pain, infection, improving sexual health, improving eyesight etc. It has been found that it also inhibits growth of cancerous cell.

Amla:-Amla is rich in Vitamin C and are used in many ways. It is very good for hair and is used in case of indigestion, treat constipation, fever, cough, eye sight problem and in many others. It help to improves complexion and removes wrinkles

Turmeric:- It act as blood purifier and is commonly used in problem like common cold , liver problem, dropsy, inflammation, wound healing. It is also useful for eye sight and in the treatment of skin, pimples, and injuries. Important is that, it is readily available in every kitchen.

Cumin Seeds or Zeera:-It adds flavour to the food and is useful in case of cold if it is consumed with hot milk.

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Which is better option , buying a house or to live on rent?

2009-10-14T08:46:00.004+05:30

We all need house, now choice has to make by us that whether we want to stay on rent or want to purchase. Both the option has their unique set of cost attached. So we have to evaluate the option accordingly.

These days the difference between the EMI and rental is the minimum. Moreover real estate price are stable these days. We can expect further rise in real estate but no decline for coming few years. If an individual stay on rent, he could be paying good amount of money which in short get wasted. On other hand if one choose to buy a house by taking loan then after stipulated period he will own a house. Own house is an asset and serve as security for old age and also good investment.

Sometimes people resort to wait and watch situation but if real estate price start increasing, about what the chances are high, those people won’t able to purchase a house as it will get much costlier which their pocket may not afford.

So, purchasing one’s own accommodation makes sense in these times.

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Admissions to formal school-Few Guidelines for Parents.

2009-10-07T20:04:00.002+05:30

Pre Preparation Tips
Keep check on dates and availability of forms.

Do check the eligibility criteria as it may vary in different schools.

Try to prepare your child by asking them frequently asked question so that
you child feel comfortable answering those question when asked at the time of interview.

Before facing interview

Mange to take your child to school you applied before a day or two of the interview to make them familiar with school surrounding.

Try to arouse interest of your child in that school so that they answer at the time of interview with view to get the admission there.

Keep in mind that your child had good sleep the night before the interview. Make your child wear clothes in which he/she feels comfortable.

Don’t irritate your child by asking them last minutes question.

Try to make him/her happy by playing with him/her and try to build confidence by appreciating them for their good behavior.

Don’t start scolding or shouting on the behavior of your child at the time of the interview.

How to face the interview

Be relaxed after all it is a casual meeting.

Ask your child to wish the panel if she/he does not wish spontaneously.

Reply should be given by parent from whom question is being asked. If it is general question then better speaker should answer.

Parents should dress soberly and should interact in the language they feel comfortable.

Avoid calling your child by nick name and avoid hugging and kissing your child.

If the child is offered something by the interviewer, the child should either say “No thank you”, or accept it and say “Thank you”.

Parents should know the likes and dislikes of their child.

Parents should show positive approach for pre- school as well as formal school applied for.

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10 simple steps to cut down your spending

2009-10-05T20:59:00.003+05:30

Many times we wonder to see our neighbor or relatives who have low income but afford the entire necessary item which people with high income find difficult to plan. Reason could be that those people may have found better way to cut on expenses and are able to save much more to buy the things they strongly desire.

My husband has just started learning how to drive from a local driving school. During conversation with him, he found that he has 2 LIG flats in vicinity where we cannot afford even one and not only this, he also own 2 Janta flats and 3-4 taxis. Still he is running a small driving school and teaches people driving. He has managed everything he has today from his own savings. Despite of this, he is still living in janta flats so that he can manage to save more money for his kids and rented the LIG flats.

Here are 10 simple steps to cut down spending

 Always visit different places to compare prices for any bulk purchase.

 Avoid taking children when planning to shop groceries item as they would fill the shopping cart with unwanted stuff.

 Avoid purchasing items just because some offer is going.

 Never buy a toy or game just because your child is through temper in the middle of market area.

 Avoid going out daily for meals. Better option is to cook food at home and create dinning out experience right from the comfort of your home. Try to cut down your entertainment allowance.

 Plan your goals and try to invest with help of professional. This will ensure that a part of earning will get saved every month.

 Keep watch on every spending by keeping watch on expences.This will help you to cut down useless expenses which are not at all that important.

 Do not borrow to spend .Better option is to use debit card.

 Save electricity by using it to limit it is required. Switch off fans/lights and other appliances if it is not required.

 Review your phone bill every month to find out unnecessary calls which can be avoided.

Gist is that, decide some monthly budget. Celebrate or go out for a surprise party with kids if there is money left at the end of the month. That gives this exercise a positive spin.

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Stress, its symptoms, and ways to deal with it.

2009-09-29T12:35:00.002+05:30

Feelings of stress and anxiety are healthy and necessary to a limit they inspire us to work but when worry or anxiety start stopping us to act then it becomes dangerous. Stress may occur because of the situation that are not under control or may be of the things having not happened yet and many others. These worries do not only affect our mind but effect bodies also. Stress can cause health problems or make problems worse if we don't take steps to deal with it.

Some Possible Symptoms of Stress
-Anxiety
-Back Pain
-Depression
-Fatigue
-High Blood Pressure
-Headaches
-Constipation or Diarrhea

Some tips for dealing with Stress
-Yoga
-Mediate
-Eat Balanced Diet
-Have enough sleep and exercise on regular basis
-Don’t take tension uselessly about the things which we can’t control
-Try to take change around you as challenge rather than treating it as threat
-Speak and discuss the problem causing reason with trusted friends
-Resolve conflict with other people if it is causing stress to you.
-Spend some time listening to music of your choice.
-Learn to forgive yourself
-Don’t make much expectation from yourself and don’t make the target which you can’t achieve
-Cry if you feel like crying as this will relieve you from anxiety and let you free from ill emotion from which you were coping.
-May resort to writing diary, this can help you to express your feeling and thought.

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Chath Puja

2009-09-23T14:06:00.009+05:30

Many of us must have heard about chath puja but do not know why it is celebrated and its significance. Chath puja is one of the important and popular festivals of Bihar and Eastern UP. It is celebrated with high esteem by the people. The chhat puja is dedicated to Chhatti Mai (Goddess of Power) and to Lord Surya (Sun), Agni (fire) and Lord Kartikeya. It is celebrated twice a year: in the summers called the Chaiti Chhath, because it is celebrated in Chait month by hindi calendar. It is not very popular though. Second and main in the winter after Deepawali, called the Kartik Chhath. Just 6 days after Diwali. It is believed that whosoever performs this vrat get their wishes fulfilled. This fast is mostly done by the women but gents also do it. It is done with utmost care without having water for the well being and happiness of the family. It is celebrated for four days in the month of Kartik.

First Day of Chath is Nahai Khai (Literally means “Bath and Eat”)
On this day women clean the houses and surroundings. The main food cooked on this day is rice, chana daal and gourd as Prasad with dry wood on new oven made of brick and soil and worshiper offers Prasad to the sun God. Garlic and Onions are not used during Chhat puja.

Second Day of Chath is Kharna.
Fast begins with second day and this day is known as kharna. In the evening during the sun set, worshiper performs the puja and breaks their fast with Prasad prepared, like sweet kheer, pitha, dudh. Again the fasting begins after the Prasad is shared among the family members and belongings and is broken on the morning of the fourth day.

Third Day of Chath is called Pahli Argh-All family members and relatives accompany the worshiper to worship sun usually on the bank of river or any other water bodies and argh is offered to lord surya along with “soop” containing flowers, fruits, radish, sugarcane and other Prasad by standing in knee deep water. All people around take the blessing of worshiper. Regional Chath songs are sung by ladies on this occasion.

Fourth Day of Chath is called Suryodaya Arag.-
In the morning again worshiper offer arag to the rising Sun God. After performing puja worshiper break their fast by eating Prasad. After this Prasad is distributed among all.

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School Admission

2009-09-22T13:27:00.007+05:30

Today was a hectic day for me. In the morning I woke up at 6 am and started my day with my kitchen work. My son’s interview was scheduled for today at 2PM in DPS Vasundhra. I was quite excited as well as nervous. I prepared breakfast as soon as possible. Doing my entire kitchen and other household chores I really got tired. My in-laws had just came 2 days back so we were full family today. So it was a fun time for Ayush. As we live as a nuclear family over here so whenever someone visits our place, Ayush feels good as he get lots of people to play. He was also busy playing with his grandparents and in playing he was got too involved that he was not willing to take breakfast. I tried my best to feed him but I was helpless. This was adding to my worries.

At 1pm we all left for the school. Around 1.30 we reached there. My son Ayush was excited. He asked me “mama, is that my school, bada wala Na”. He was enjoying there, to see swings, see saw and lovely lawns. We reached the reception and completed the formalities. I liked the arrangement that the school has made. All teachers were very cordial & supportive. One of the teachers asked Ayush his name. He answered promptly. He surprised me as I was not expecting that he will answer so fast. Some school children were there on duty to make atmosphere friendly for the kids who were there for the admission. Ayush was called for the interaction. I also joined my son as he started pulling me when teacher was taking him to the class. One of the teachers asked him to seat on a chair and I was standing little far from him.

She started asking some question to him:
Identify the fruit.
Sing any poem.
Identify the Shape
What your name.
Identify the picture of kite and color with violet color.

He took time to adjust to the new environment, and answered all question correct except the name of the color asked. Actually I had taught him main color only. Still I was satisfied by his interaction with the teacher.

In second round we were called to meet the principle. This time me and my husband had to answer.
She asked:

Why this school?
Where we live?
What we expect from the school?

Interview was over and result will be declared after two days. I visited the school again to see the result. I was happy to see his name there.

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Joint Family System

2009-09-17T10:12:00.005+05:30

Why today’s women prefer nuclear family? Or why women’s feel uncomfortable in joint family?
Firstly every woman wants separate house where she will be the master and other family member should obey her. This could not be easily possible in joint family. That’s why most of the women prefer to live in separate house with their children and husband.

Secondly these days most of the women are career oriented and prefer to do job. Working women find difficult to prepare food for so many people in the family. So to avoid troublesome maintenance of kitchen for large number of people, prefer to live in nuclear family to fulfill her carrier.

Thirdly no educated women can tolerate the adverse remarks passed by the sister in-law and mother in-law.

Why joint family?
But if we learn to compromise a little and try to be supportive, a joint family can be better option compared to nuclear family. A harmonic joint family provides good support both in terms of emotion and finance. In joint family all responsibility is shared by all members equally. Hence its better option to stay in joint family where both partners have to work due to rising cost of living. Children are brought up easily under good guidance of the grandparents and old people are taken care of easily too. Working parents get enough time for them. Even children also develop habit of sharing and helping each other.

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How to Make Your Wife Love You Much More

2009-09-08T11:27:00.003+05:30

Many husbands want to know how to make their wife to love them much more. It’s very difficult question to be answered. We may have heard from others saying that “it’s difficult to study’s the women’s mind”. Is this correct? Not the women’s but it’s also difficult to study men’s mind. Every woman is different, so there is no “one” answers applicable for this. A husband has to study his wife’s mind fully. There will be times when your wife may be in depression or in tension or bad mood for no valid reason even she might not know why she is so puzzled and depressed. Like man, women also have some traits.

Very few husbands may know that during periods and pregnancy, hormones imbalances causes mood swings in women. During this time you need to understand your wife emotion and act accordingly. You need to help her in household chores, demonstrate her how much you love her, how much she is important to your life. Small things like preparing a cup of tea and bringing a bunch of flower of her choice will add more sweetness in your married life. Every husband should try to avoid argument even if he feels that he is rational. Husbands should not feel ashamed in saying sorry if he feels he was wrong. If situation comes when debate get heated, then it’s better to discuss the situation once atmosphere get conducive for further discussion.

Husband should never lift his hand on his wife even in worse situation and try to understand the situation from wife point of view. It’s difficult to predict wife mind every time even no can do. For successful marriage both partner should try to compromise. Both should understand that everything they are doing is for the person to whom they love so much. The more important thing is love each other without any condition.

These few things and your little initiative will fill her heart with love for you.

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How to say “no” to the child and stick to it.

2009-09-05T14:49:00.003+05:30

As parents we may have experienced the situation where our child starts throwing a temper in order to get what they want. Most of the time we get them the things that they want just because of embarrassment we may have to go if our child throw themselves on the floor and start shouting. But is it right approach? Or should parents say strictly no to their child’s demand?

We should keep one thing in mind that if we always say “no” to them they will get frustrated, irritated and rebellious. As we are the parents we have to decide first “Is their demand reasonable?” If yes, there is very much ground to say yes to the child and fulfill their demands. Saying yes most of the time will make them to take our “no” seriously. All we know that children are very soft hearted and always expect love from their parents. Tackling child is the challenge for every parent. But we should not satisfy their demands which are not reasonable as this behavior of parents may let the child to manipulate their parents.

If we feel that their demand is not reasonable, we should strictly say “no” and should stick to our “no” even if our child start throwing their fit. Saying no is ok but we should explain why we have said “no” to them. If the child is in anger and not listening to you, it’s better to be calm and let your child also get calm down then explain them the reason but stick to your “no”.

As a parent we have to set rules and disciplines but should not hurt our child. We should also let the child to learn from their mistake but should keep our eye on them so that they do not put them in danger or any serious problem.

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INTERVIEW QUESTIONS (for nursery class admission)

2009-09-04T21:35:00.006+05:30

For further information, visit: - http://www.admissionsnursery.com/

Admission procedure has started for the nursery class. Every parent wants their child in the best school. During interaction with schools, some questions are asked from parents to know about the child and few questions are asked from child to judge their interests, hobbies etc.
So prepare yourself if you don’t want to lose the opportunities.

Here are some questions that are frequently asked.

INTERVIEW QUESTIONS
1. What does your child like the most?
2. Any special incident or memorable moment that you would like to share about your child?
3. How do you define successful parenting?
4. How do you expect the school to contribute in your child's life?
5. How do you deal with discipline issues with your child?
6. Describe your child.
7. How much time do you spend with your child?
8. What are your Child’s hobbies?
9. Who takes care of your child in your absence?
10. What are the qualifications of child’s parents and grandparents?
11. What does your childlike the most?
12. What does your child dislike the most?
13. How do you tackle your child’s tantrums?
14. How independent is your child?
15. What do you want your child to become in the future?
16. What are the expectations from school with respect to your child?
17. How would you develop the qualities of sharing & caring in your child?
18. Would you like to share something special about your child?
19. What should you do when your child misbehaves in front of others?
20. How do you make sure that your child eats a balanced and adequate healthy diet?
21. What is your opinion about creating a routine in a child’s life?
22. Can we provide some kind of justification on forcing our wishes onto the child?
23. To whom your child is more close and why?
24. What has been your child’s personal milestone till today in your opinion?
25. How do you expect the school to contribute in your child’s life?
26. Being a parent is difficult or rewarding or frightening or wonderful. What is your opinion?
27. What are your views on school giving homework to your child?
28. Define successful parenting?
29. What are different hobbies of your child?
30. What are your goals for your child?
31. Can you force your wishes on the child?
32. Is Freedom=Responsibility? Comment on it as a parent.
33. Explain the role of books in child’s life.
34. What is your child’s favorite color?
35. What is your child’s favorite game?
36. What is your child’s favorite food?
37. What is your child’s favorite pet animal or bird?
38. What does your childlike the most?
39. What makes your child happy?
40. What makes your child sad?
41. How important is discipline in child’s life?
42. What are your priorities to search in a school while seeking admission in a particular school?
43. How do you spend your quality time with your child?
44. How do you and your partner spend the leisure time with the child?
45. What is your child’s favorite indoor and outdoor activity?
46. Are there any responsibilities given to your child from your side?
47. Name the story book given to your child from your end in the recent past.
48. What are the three important things you are looking for in a school for admitting your child?
49. Why are you choosing our school for getting admission for your child?
50. Do you have any kind of suggestions to improve the education at primary level?
51. What are your aspirations for the future of your child?
52. How do you perceive your role as a parent in the education of your child?
53. How can you increase the motor skills in your child?
54. Name some of the important things a school should have for pre-school children.
55. Is your child fully trained with toilet and washroom manners?
56. What are your views with respect to the joint family versus nuclear family while focusing on the child’s overall development?
57. Did you send your child to the play school prior to the admission?
58. What could be the best thing given to your child as a parent?
59. What do you believe in-formal or informal or combination of both kinds of education? Why?
60. How do you enhance the motor skills of your child23.How much time does father spend with child?
61. What is the best way to teach a preschooler to be courteous and appreciative?
62. You are taking a written test for nursery admission and you realize that the person next to you is cheating, what would you do?
63. How do you spend time with your child?
64. What are your views on the recent Gurgaon incident where a school boy shot his class mate? What in your opinion was missing?
65. What is the happiest moment in your day?
66. What do you do when your child throw tantrums?
67. What are your aspirations for your child?
68. What do you know about this school?
69. List out according to priority the expectations / end results from your child: Happiness, achievement, academics, overall personality.
70. Why do you want to admit your child to this school?
71. What do you want your child to become?
72. What are your expectations about the school?
73. Being a parent is difficult / rewarding / frightening / wonderful? What is your opinion?
74. How will you develop the qualities of sharing and caring in the child?
75. Freedom = Responsibility. Comment?
76. Would you like to share something special about your child?
77. How do you make sure that your child eats a balanced adequate healthy diet?
78. What should we do when a child misbehaves in front of others?
79. What is your opinion about creating a routine in a child’s life?
80. Explain the role of Books in a child’s life?
81. How justified are we in forcing our wishes onto the child?
82. How well do I know my child…?
83. His favorite color………….
84. His favorite outfit…………..

In school of NCR still children interviews are not banned

85. Identify the color name
86. Recite a rhyme
87. Shape recognition.
88. Your son is playing in the block area. His friend knocks over block structure and in return your son hits his friend. What will you do and why?
89. A parent comes to pick up their child and notices a bite received by your child. They become angry and demand to speak to you. How will you handle the situation?
90. A classroom is run on values. The values maybe designated by policy or influenced by the teachers and parents. What do you when a parent's different values interfere with classroom procedures?
91. What you would do in a situation like if two children were fighting over a toy or if a child was not listening to you...kind of what would you do scenarios...
92. How do you spend time with your child?
93. What are your expectations from school?
94. Your financial status?
95. What do you do when your child throw tantrums?
96. What are your aspirations for your child?
97. Whether mother is working or not if working who looks after the child in her absence?

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Is it easy to earn money online?

2009-09-04T14:32:00.006+05:30

Many of us may have seen many promising sites and ads ensuring easy money by working online. There are lots of article one can find on net but most of them do not work at all.

All this really seems interesting to everyone as everyone us wants to make money as fast as we can. Owners of the site are the only who get benefited from these sites and article. These are only marketing strategy nothing else and by fooling people they earn money.

Is it means all information on net about earning online is useless?
No, there are many ways through which one can earn money online but it’s not easy as easy it sounds. That requires lots of time, great effort and most important lots of patience. If one own website or blog, in that case one can earn by placing ads on their website or blog. For this one can try for Google ad sense, adbrite, info links and many others. Again this requires effort, initially it will be difficult to earn but yes once the traffic start building earning will increase. Website owner can also earn by promoting and selling their own product.

Keep in mind there is no ways to make quick money. Companies pay for surfing site, reading emails etc. It’s obvious any one get attracted toward those sites and companies. But earning from these sites are not easy .It totally waste of time and efforts.

It’s better to use mind before going for useless sites.

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“Modern women of India are no longer captive of traditions”

2009-08-31T14:04:00.003+05:30

In my views this is not true. In our country most of the household is being looked after by women and earning is done by the men. Women have to take care of the whole family and perform all domestic activities. She is even responsible to teach values to children. Even if a woman is working, her in- laws would either force to leave the job or they expect her to complete all household chores before leaving for the office. Is this defination of the Modern Indian Woman?

Please add your views to this article.

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Whenever there is any argument between wife and mother, most of time husband favor his mother side. Why this happens?

2009-08-27T22:02:00.004+05:30

Some men usually stay out of the matter. They let the two, mother and wife to reach on the conclusion. But some husbands blindly favor their mother and at last all blames fall on wife.

If mother anytime complains about her daughter in-law behavior to his son not in front of her, then she clearly tries to create gap between husband and wife. If she really wants her son to know about the situation, she must have discussed the issue in front of her daughter in law.

If mother said something that has upset her, it means there was such thing which made her cry. In this situation not reacting to situation may spoil the relation with the wife. It does not mean go and fight with mother. Husband should take the situation seriously and should try to see the wife’s view rather than defending mother.

But this is not always true. The situation may be other way round. May be wife is creating the gap between husband and her mother in law.

Husband should judge the situation wisely and tackle the situation accordingly rather than favoring either mother or wife blindly.
Both relations is of equal importance for any husband.

Please add your views to this article.

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Should women pursue job after marriage?

2009-08-26T12:05:00.003+05:30

This problem is common among all the women. To address this problem a girl can discuss about her continuation of job with her husband and family members. No doubt after marriage responsibility of girl increases. She has to manage work at office as well as work at home too. If women is in job and continuation of job provides her self esteem, economic security and feeling of independence, then it worth pursuing it but her job should not disturb her married life. Leaving job for husband ego or because of the clash with the husband is not a wise decision. After child, priorities of both partner changes. After the baby’s birth if she is not able to take care of everything, it’s better to quit from the job. Moreover family and baby are more important than anything unless there is financial problem. If she feel that she is meant to do something more, then there various alternatives available. She can think of starting her own crèche, play school or even start taking up tuitions.

Please come up with your views.

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Advertiser

2009-08-23T14:59:00.003+05:30

Run your ad on this blog anuradhakumarv.blogspot.com/ and start receiving new customers.

To advertise using a different size, please contact us on
anu_aashu_v@yahoo.in with all details (product and size of the ad)

We will respond you as soon as possible.

About

2009-08-22T14:51:00.002+05:30

Hi,
This blog is all about general awareness, parenting, motherhood, about women, marital issues, recipes, health issues and everyday life. It is medium for me to share my feeling, ideas and views with other people.

I am gifted with one son and he is blessing of GOD to me. I preferred to leave my job so that I can give maximum time to my child and my family. It’s being good and wonderful experience to see my loving child growing.

Live-in relationship

2009-08-21T20:03:00.006+05:30

Live in relationship is concepts under which two people live together before marriage. This concept is very common in western countries but is also spreading its root in India. This subject is controversial.

Many advocates live in relation as it allows them to understand each other better before they go for commitment. This helps them to decide whether the person they are going to marry is perfect for them or not. According to them their love for their partner does not require any certification or any stamp.

But very few live in relationship end up in marriage.

If two people love each other, is it necessary to judge each other before marriage? In love people overlook each other flaws and moreover no one is flawless. Marriage gives stability to relation, each partner share everything they have with each other.

Please come up with your views.

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Rakhi Celebration – 4th Aug 2009

2009-08-19T11:30:00.007+05:30

On 4th Aug 2009 I went to play school to pick up my son, Ayush. The school has organized a Rakhi Celebration for all kids. Every girl has to tie a Rakhi on boys wrists. Celebration has been orgainised So that kids enjoy it and learn at same time. These things are necessary in today’s environment where we live in a nuclear family. And now a days working parents prefer one or two kids. Where only few are lucky to have one sister and one brother combination. So kids miss lots of things we used to get in a bigger family with lots of cousins.

After reaching I asked the school staff to call Ayush. When his teacher brought him to me, he just ran toward me and hugged me tightly and started crying. I was shocked to see him behaving like this. Many things came into my mind, has teacher said something to him or any other child has hurt him while playing etc. I rushed to teacher cabin to know the reason, his teacher replied “Nothing serious as such after rakhi celebration he started crying; even we asked him the reason”.

Then I saw rakhi on his wrist, now everything was clear. I hugged him and asked him what happned. He replied sweetly “mummy didi ne mujhe rakhi bandh diya mujhe aur tika laga diya”. Actually this was his first rakhabandhan and he was not able to make out what actually was going around.

On reaching home he removed his rakhi first. I offered him his favorite mitahyi kala jamun. I lift him up and try to tell him what rakhi celebration is all about. When I told him we will visit nani’s house tomorrow for rakhi. smile came on my face on his prompt reply that “mama bhi royega jab aap rakhi bandhoge”.

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Earn money from your blog

2009-08-15T16:00:00.004+05:30

Blog has become a great medium to express our thoughts, ideas, information about any matter. To start a blog one can sign up for free either squidoo or a blogger or a wordpress.

Good written topics and well written articles can connect you with millions of readers around the world. Once you feel enough traffic is coming to your blog, you can think of earning from your blogs.

Advertisements- You can place ads of advertiser and charge for the same. For this you sign up for free Adsense, ClickBank, AdBrite, AdGenta, BidVertiser, and Kontera.

Membership-You can charge membership fees for your blog from visitors to sign in.

But it is not easy, in order to earn from blog one has to put lot of effort to attract traffic as very few from visitors clicks the ads on the blogs.

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H1N1 (Swine Flu)

2009-08-13T11:07:00.006+05:30

Symptoms
Cough along with chest pain.
Respiratory problem.
Low blood pressure and nails start turning to blue.
Persistent fever for more than 5 days.
Headache and vomiting sometimes.

High Risk Groups
Diabetics
Heart Patient
Children between 0-5 yr of age.
People above 65 yr of age.
Pregnant Women.
Cancer and HIV Patient.
Obese people.

Precautions
Wash hand regularly.
Maintain hygiene.
Avoid crowded place.
Stay away from infected people.
Don’t send child to school/play if they are not well.
Avoid touching face and eyes with your hand uselessly.
Don't take self medication as that might make H1N1 virus resistant.
In case of doubt of suffering from swine flu, consult designated govt. hospital.
Call toll-free lines 1075 or 1800-11-4377 for more information

Please share the information about H1N1 that has not been covered in this.

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What is the base of any marriage?

2009-08-09T14:05:00.010+05:30

Whenever any one of us confront with this question, the possible answer that comes in our mind is trust and love. Both the partner should have respect for each other and both should give importance to each other dreams. But if partners are not communicating to each other or communication is just for name sake, then from where trust will come. Neither the husband or nor the wife will be knowing much about each other. Lack of communication breeds apathy and mistrust, which over a period destroys the best of marriages.

Arguing is always good between any husband and wife as it clear all misunderstanding, but imposing of decision either on husband or wife can make the relation bitter. Decision should always be taken, considering all aspects including each other engagement, priorities etc. Otherwise, ill feelings can build up, and turn into wounds that never heal.

Never try to slight your partner, especially before others. It is one wound that never heals. Both the partner should try to change if the situation demands. Minor changes in any of the partner for his/her love can never hurt their ego or self respect.

Marriage is an emotional relationship. This only survives if both partner communicate and give importance to each other.

Please come up with your suggestion if anybody has.

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How to tackle aggressiveness of kids

2009-08-08T22:15:00.008+05:30

Most of the parents go through this problem. But there is nothing to worry about. What actually needed is your little effort and patience.

Today aggressiveness has become common behavior of most of the kids. Many times parents are solely responsible for their child behavior. Kids learn most of the behavior from their parents and if parents show their anger by hitting, throwing, or tearing, kids also follow the same.

If this is not the reason then try to tell your kid how to behave, what behavior are acceptable, by hugging and talking softly or by making story so that he can easily understand why to behave properly.

Always compliment your kid for good behavior and never remind the kid every time of his wrong behavior. Try to be the best friend of your kid and try to resolve his problem. Always listen to kid patiently.

Always try to identify the problem and involve child also in finding out the solution. This will ensure them that you are taking their side and give priorities to their views.

We should always remember that kids always look for love and affection.

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Sangri-la regency hotel in Darjeeling

2009-08-03T11:14:00.014+05:30

Darjeeling is one of the best places to visit and to spend one’s holiday.Ofcourse for this anyone would look for affordable and well maintained hotel.
Sangri-la regency is one of the known hotels in Darjeeling with perfect location.

Type of Accommodation
• Twin/ Double Deluxe Room.
• Deluxe Attic Room

 12 Guest Rooms
o Fully furnished with soft tones and innovative lighting.
o Separate seating area in all rooms.
o Double deluxe room with private balconies.

 Roof top Lounge & Bar.
The perfect place to meet all guests. Panoramic views of the Himalayas, relaxed seating around an attractive central fire place and well stocked bar.

Place of Interest
 Tiger Hill
 The Observatory Hill.
 Darjeeling Himalayan.
 Railway or the Toy Train.
 Tea Garden.
 Buddhist Monasteries.
 Japanese Peace Pagoda
 Dhirdam Temple.
 Natural History Museum.
 Himalayan Zoological Park.
 Passenger Rope Way
 Ava Art Gallery.

How to Locate.
The hotel is on Gandhi Road, a few minutes’ walk from Club Side motor stand. The nearest landmark is Bethany Primary School which is directly opposite the hotel.

Information from : http://www.shangri-la-regency.com/

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Makhane ki Kheer

2009-08-01T09:10:00.008+05:30

Ingredients required
• Makhana-50gm
• Sugar-150gm
• Custard Powder-1full spoon
• Few cashewnuts, pista, kismis and kesar for colour
• Grated coconut-1/2 cup.

How to prepare
• Grind the makhana in mixer and keep aside.
• Keep custard powdered and kesar in cool milk and mix it well.
• Heat Kadhai and add 1L milk in it.
• Add grinded makhana and cardamom powder.
• Cook for 10 min and then add sugar and milk containing kesar and custard.
• Cook till milk reduces to 3/4th and then remove the kadhai from flame.
. Now add grated coconut, sliced cashewnut, pista and few kismis.
. Keep it in refrigerator and serve it chilled.

Now enjoy the makhane ki kheer

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Earn while Learning (India Study Channel)

2009-07-31T13:33:00.009+05:30

Few days back while searching some site I came to know about India Study Channel.com. I visited that site and found it good, especially for students. Most of all information which a student usually look for, are there. Even there is earning opportunity also available for students. They can earn revenue through various sections of this site by contributing content like previous years question papers, submitting educational news etc. In most sections of this site, one can earn by submitting a specific post.

http://www.indiastudychannel.com

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Difficult Times

2009-07-29T10:31:00.007+05:30

Today after dinner I started watching TV serial. That episode is of bidayi .I burst into tears as it took me into memories of my bidayi .I still remember that day I was crying a lot as was not able to cope with pain of separating from my parents.

I don’t know why it happens that a girl has to leave her parental house and move to a family to whom she do not know completely. She has to rely on a person about whom she is not confident whether he will support her whole life or she has to just compromise there for everything.

Think if husband or in-laws of any girl are not supporting .Then what would happen to her? Certainly she would collapse or will get into depression.

Lucky are those who get nice and supporting husband.

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My analysis on Thermax India-(Multi bagger stocks)

2009-07-24T12:22:00.007+05:30

About the company.
Thermax is a global solution provider in energy and environment engineering. It offers products and services in heating, cooling, waste heat recovery, captive power, water treatment and recycling, waste management and performance chemicals.
With a dedicated sales & service network spread over South East Asia, Middle East, Africa, Russia, India, UK and the US, Thermax ensures innovative solutions and reliable support for client's business improvement

Result
Thermax announced results for the first quarter of 2009-10 with a net profit of Rs. 46.5 crore, compared to Rs. 63.7 crore in the corresponding quarter of last year. Total income for the quarter was Rs. 547.9 crore compared to Rs. 727.2 crore last year. The subdued numbers in the quarter are a reflection of the tough market conditions

Some of the funds invested in it:
SBI Magnum Tax gain Scheme
HDFC Tax Saver
SBI Magnum Global Fund

Why to invest?
Order balance, aggregated to Rs. 3230 crore at the quarter end compared to Rs. 2649 crore as at June 2008, showing an increase of 22 %.
The company has embarked on a comprehensive initiative to streamline processes, eliminate waste and reduce costs to protect its margins.
The stock potential seems to remain good and could be hold with long term view

It’s wholly my view that this will turn into multibagger stock
Think and make your own analysis before investing.

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Totally confused

2009-07-23T10:14:00.007+05:30

Life seems puzzled sometimes. Many a time we find it very difficult to resolve a situation. I also confronted similar situation. Three year back I got married and after few months I felt a new life in me. I was not keeping well, so I left my job. Both of us & our family members were happy as from two we are going to be three soon.

There was a battle going on inside me. I was totally messed up and confused, nothing was clear to me. I had feeling that my career now come to end, my dream of being to be a successful women in my field will never be true. These thought was haunting me and I was feeling restless.
I was looking for solution but that time I was not able to see any silver lining. After discussing my concern with my husband I decided not to look for the job until our baby turns one. After his first b’day I started to look for job, even I started with it but I felt very difficult to continue, as parting with my child for 8-10 hr start haunting me & my soul. I decided to quit my job and decided to take care of my baby.
I took this decision but still I was not happy. Many times my eyes get filled with tear because of feeling that I don’t have any identity of my own; I don’t have any position of my own. Same time I am not in favor of leaving my innocent baby in crèche.
Those days I was going through depression. On one side be a mother of a sweet baby give feeling of being on top of the world and on other side feeling of doing nothing constructive lower my morale. Over a period of time I adjusted to the situation and started to keep myself engaged in some other work and start enjoying my baby’s childhood activities.
I am lucky enough that god has gifted me a cute and sweet baby and loving husband. Now I am housewife, taking care of my baby and my husband. In free time I do whatever I love to, like watching TV, writing on my blogs, preparing different recipes. Even I am planning to start something which I can carry along with my family.

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Amritsar at Glance

2009-07-22T10:47:00.019+05:30

Wagah Border

Wagah Border

Jallianwala Bagh

Jallianwala Bagh

Jallianwala Bagh

Jallianwala Bagh

Golden Temple

Golden Temple

Golden Temple

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Lesson from past experience

2009-07-21T23:45:00.005+05:30

Today everybody wants to make money as fast one can. As all of us want to posses everything, that’s why everyone of us has started looking for various different alternatives to earn more & more money to fulfill our endless desire and demands of our dependents.

There are many ways; one of them is share market. Most of the people have feeling that they can make lots of money from the share market and without making any study they just jumped into it, in end most of them incur loss.

From my past experience, I feel day trading or short term trading are good for those who are masters in this. It’s better to invest partly in the market on every dip rather in lumpsum. This will average the cost price of the share and in long term it will give good return.

Before thinking of investing in the market, one should make analysis of stocks and other factors like fundamental of the company, global scenario, political picture and others.

A long term investors always be in profit as in long term good company always grow otherwise.
So, pls think, study or consult before investing and try to invest in multibagger stocks which are capable of generating good return in 2-3 yrs of time.

I am not the expert or guru of share market but just shared my experience and view which I had in last 2 yrs.

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Paneer pasanda recipe

2009-07-21T18:29:00.006+05:30

Ingredients required
• Paneer (1 inch cube)-250grams
• Curd-2 big spoon, Malai-2 big spoon
• Onion-2-3,Tomato-1
• Garlic and ginger paste
• Dhaniya leaves
• Garam masala, Jeera powder,Salt, Turmaric Powder,Oil

How to prepare
• Fry the paneer till it get light brown and keep aside .
• Add bey leaves, garlic, ginger paste and cook it for a minute.
• Add grinded onion and tomato.
• Add Curd and all masala and cook it .
• Add fried paneer and malai and fry it.
• Add 1 cup of water.
• Cook for 5-7 minute.
Now enjoy with roti aur prathaa

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Pithaa

2009-07-20T11:33:00.004+05:30

Ingredients required
· Rice flour (Atta)
· Sugar
· Meva
· Cardamom powder

How to prepare
· Make soft dough of rice flour with warm water.
· Prepare mixture of meva, sugar and, cardamom powder.
· Divide the dough and Flatten and roll out into 2 inch round.
· Wrap mixture in each round and roll into a smooth ball.
· Boil the water and put all flour ball filled with mixture into the water.
· Cook it till it gets soft.
· Keep it aside to cool.

Now enjoy yummy pithaa

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First Day of Play School

2009-07-20T10:40:00.006+05:30

My jaan, my darling, my baby…….
He is of two and half year now, me and my husband decided to put him in play school. We finally put him in a nearby play school.

Very next morning, every work I was doing was the same as usual but still there was something that has got changed. My heart was beating much faster. May be the fear that how my baby would react when I will take him to school causing anxiety to me.

I made him ready and took him to the play school. But when I put him down to leave there, he started shouting “Mummy main shaitani nahi karunga, mujhe aapke sath khelna hai” and started crying and rushed to me to hug me.

That moment was very difficult for both of us. I just took him and told him “beta sab school jaten hain” and gave him a toffee.

Even I broke down into tears.

That day I can never forget as I still remember his innocent eyes saying “mummy mujhe aapke paas rahna hai”.

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Besan Aur Coconut Ki Burfi

2009-07-18T11:54:00.003+05:30

Ingredients required

· Besan
· Sugar
· Ghee
· Few cardamom
· Almonds,cahewnuts,pistas,grated coconut

How to prepare

· Fry besan in ghee on low flame till it become light brown and ghee separates.
· Add cardamom powder and make syrup of sugar and water.
· Add grated coconut to the besan and syrup.
· Cook it for a mimute ,pour this mixture into a greased plate.
· Garnish it with almond,pista and cashewnuts.
· When it cools,cut it into cubes.

Now enjoy the yummy burfi

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Garmi aur kissan

2009-07-17T17:24:00.005+05:30

Garmi aur kissan

uff! yeh garmi, aur yeh dhup
na dikhe hari ghas ka koi tinka
panchee ne bhi amber se muh mod liya
na gunje madhoor sangeet, na dikhti titliya

uthe jab subha to
wo suraj ke paheli kiran
sheetal sheetal hawaye
madham ujyale ko cheerti aayi

wohi suraj ke kirane
jaan lene ko aati hai
subha shaam jo pyaas bujhaye
garmi ke dupahri mein
bund bund ko tarsati hai

peele pade pedho ke patte
ab to aakhri bhi jhadh raha hai
nahi hari shakhao ki umeed
katra katra bhumi phat rahi hai

kahi koi kisan dikhta hai
majdoori aur sirf paseena
jalati garmi mein lahrate
aur khun se siche gaye wo
khet nazar aate hai

taraste hai paani nahi
banjar gaon nazar aate hai
mahelo mein baithe hai wo seth
gareeb ke ask peete nazar aate hai
Source-toshakishayari.com

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Importance of Communication between Husband and Wife

2009-07-17T13:38:00.009+05:30

Communication is a very important element in maintaining a good relationship with your spouse. During the first couple of years of marriage we devote time to listen to one another. But after few year of marriage both of them get very less time to communicate, reason could be anything. Both husband and wife must take every single decision with each other consent.
We all make mistakes, no one is perfect. Both Husbands and wife make plenty of mistakes. Never belittle a spouse for something that he or she may have done. Talk about the matter ,try to find the solution and learn to forgive .
If communication breaks down between husband and wife then both will be in trouble. We all know marriage is not easy like any thing else,but if husband and wife communicate to each other it will help to make it a much better.

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