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Here is the list of 7 alternatives of PayPal payment gateway for users in India.

Skrill.com
Moneybookers is a British e-commerce business that allows payments to be made through the Internet. For individual users, the Moneybookers payment system offers an online deposit account and a low-cost, internet-based alternative to traditional money transfer methods such as cheques, money orders and wire transfers. To merchants, Moneybookers allows accepting online payments made with major payment cards or Skrill's own online accounts.
www.skrill.com

Xoom.com
Xoom Corporation is an online money transfer company based in San Francisco. It provides consumer remittance services to the Philippines, India, Latin America, Europe, Australia, Canada, and South Africa. The company was founded in 2001 and is backed by venture firms including Sequoia Capital, New Enterprise Associates, SVB Capital, and Fidelity Ventures.[1]

Payza.com
Payza is an e-commerce business that allows payments to be made through the internet between users who have registered for the service (Payza members). For personal users, it is a method for transferring money internationally and a platform for the purchase of goods and services online. For merchants, Payza is an online business management tool which they can use to process payments, issue invoices and make payouts.

PayPal.com
PayPal is a global e-commerce business allowing payments and money transfers to be made through the Internet. Online money transfers serve as electronic alternatives to paying with traditional paper methods, such as checks and money orders.
PayPal is an acquirer, performing payment processing for online vendors, auction sites, and other commercial users, for which it charges a fee. It may also charge a fee for receiving money, proportional to the amount received. The fees depend on the currency used, the payment option used, the country of the sender, the country of the recipient, the amount sent and the recipient's account type.[4] In addition, eBay purchases made by credit card through PayPal may incur extra fees if the buyer and seller use different currencies.

CCNow.com
With the CCNow hosted shopping cart, there’s no need to struggle with setting up complex shopping cart software - just create a product and go!

How they pay out the interest for the F.D

• If you close your FD before maturity; you get the interest applicable for the period the FD was in force. Usually the interest rates for FD < 1 yr is ~ 6% and for >= ` yr it is 8.5-9 % 
• If FD is held till maturity, one gets full compounded interest on the principal. If one breaks FD before maturity, then the interest earned will be lessened by 1% (varies from bank to bank).Say if one books an FD with 9% interest for 3 yrs. At the end of three yrs, he will get compounded interest @ 9% per annum on his principal. Say if he breaks the FD after 2 yr 11 months, then he will get compounded interest @ 9 – 1 = 8% per annum for the tenure of 2 yrs 11 months. The penalty % to be deducted varies from bank to bank, but may not cross 1% for most of the banks.Once an FD is created, one can't withdraw the interest or principal before maturity without breaking the FD. So if FD is booked for 5 yrs, then principal and compounded interest will be available only after 5 yrs – unless you want to break the FD in between.

WHY YOUTUBE IS IMPORTANT

YouTube is home to some of the largest libraries of video content on Earth. A single video on YouTube can be seen by tens of millions of people in the span of a week. Once a video or a channel gets subscribers, it’s only a matter of time before the viewership, and the potential to generate positive marketing buzz, goes up. Some people have turned their YouTube channel into their full time job, and earn a living that well exceeds what you’d expect to make. The secret to YouTube’s success relies in its ability to stand out of the way when users want to generate and display content. YouTube puts the power of video creation and marketing in your hands; while you handle the creation, you can let GetSocialJuice take care of the marketin

• YouTube gets 1 billion unique visitors every month from 53 different countries around the world.
• YouTube registered 1 trillion views in 2011.
• 25% of YouTube traffic comes from mobile devices.
• YouTube applications come standard with many Android and Blackberry devices worldwide.

WHO VIEWS YOUTUBE?

YouTube is a unique content provider for many reasons. While the primary demographic of users will be within the age 18-30 range, you will find that there are audiences that span across many different cultures, age groups, religious backgrounds, careers, and other categories. YouTube is one of the most popular destinations on the Internet, so much so that Google purchased it for $1.65 billion USD in 2006. Their plan was to hone what makes YouTube great, and to continue to allow more avenues for content creation. So far, they have been successful, as well over a billion users visit YouTube every day to find new videos to comment on, like, and share with friends.

The same demographics that use YouTube are also often connected with Twitter, Facebook, and Google+ too. Do you have a social networking account that you need to promote? You can cross promote new videos with your social networking profile, and get more YouTube likes than ever before. This collaborative marketing strategy works well with GetSocialJuice, because we can work with you to both increase your social media subscribers and get more YouTube subscribers as well. We can help to turn your whole marketing presence into a well oiled machine that will catapult your brand to the top.

WHY FACEBOOK IS IMPORTANT

Facebook has almost 160 million users registered in the United States, who are Liking, Sharing, and Commenting on links every day. The market penetration of Facebook has been incredible; in the first quarter of 2012, it was estimated that 12.1% of the world uses the site across every continent. Those numbers are staggering, but not nearly as staggering as what Facebook can do for your business. Companies who actively engage consumers on Facebook can generate a huge increase in leads. 62% of marketers have said that social media sites like Facebook are not only important, but increasingly critical within the past six months. If you are a business, an artist, a politician, or just someone who relies on social media for your career, you need Facebook fans to compete

• 77% of B2C companies, large and small, have generated leads thanks to Facebook.
• 77% of buyers are more likely to do business with a company whose CEO uses social media like Facebook.
• Inbound leads, such as what social media marketing generates, cost as much as 61% less than outbound alternatives.

Social media is the reigning king when it comes to the new age of marketing, and Facebook is a kingdom unto itself. With GetSocialJuice as your guide, you can generate more likes for Facebook that you can convert into real sales. Staying competitive these days means having a strong social presence on sites like Facebook, because consumers respond to businesses that engage them on their own terms. Facebook and other sites allow consumers to freely share links and interests with all of the people that they’re friends with, which creates an avalanche of attention and marketing response that you can’t find anywhere else

Investing in SIP

Ways to start SIP ,
1) Demat account , not preferable , you may need to pay yearly monthly charges
2) Go to specific bank
3) Buy online
4) Go to CAMS (where you can buy  SIP of different kind at one place except RELINACE SIP  ) , I feel this is best way as it does not charge you anything and at one place you can buy all kinds of SIP , E.G , DSP BR , HDFC , BIRLA  etc .
Address – Its  near to Manipal centre , Dikenson road , ½ km from MG road petrol pump .
5) For reliance MF go to Manipal centre (address mentioned above )


Documents needed ,
1) PAN copy
2) Bank Cheque  of the bank from which you want to get  automatic money transaction for  every month
3) Now a days KYC  ,If you don’t have you can get it done through banks /CAMS .
4) Filled Mutual fund form , which can download or can get from the CAMS/RELMF center  .


Funds to buy ,
It depends on risk appetite ,
Riskier one’s are  the one  which is small and mid cap funds   , Sector oriented funds like some would power sector , some pharma funds etc .

Safer one’s (lesser gain and lesser loss) – LARGE CAP / BLUE CHIP FUNDS ,funds which invest in mostly big companies . , Balanced fund where only part of your money is invested in equity , funds which is diversified .

Gold ETF’s are also available , which is kind of paper gold ,--e.g –benchmar gold exchange traded fund .


For online info ,
http://www.onlinemutualfundsindia.com/
http://www.mutualfundsindia.com/

can we transfer amount to SBI ppf online

From 1st of Jan this year, SBI has activated online access for all its PPF account. The username is sent to the registered mobile and the password will be mailed to the residence address

Yes, you can transfer. In this case I think you need to visit to Bank and get updated your PPF a/c book to show as proof

LIC or PPF or MF

investments in LIC is a misnomer.


LIC should not be an avenue for any investments.
it is an insurance company.

for investing in MF, a demat account is not absolutely necessary.
so, from the options listed below, you are left with PPF and MF.

PPF: has a lock-in period of 15 years. it is best to open a PPF account now and start depositing small amounts every year, and increase your deposit amount as you move closer to the 15-year endpoint.
the returns are completely tax-free.

MF: other than ELSS(lock-in period of 3 years), every other equity Mutual funds can be redeemed anytime.
returns are linked to market conditions.
choose a MF product which has a reasonably good longterm track record and invest systematically (SIP)
Keep insurance and investment separate!! Buying a term insurance allows you to do this ,Insurance is an EXPENSE, not an INVESTMENT! You DON'T WANT to get any returns out of insurance

Beyond that, LIC is a reasonable option for insurance (term insurance only!) due to their somewhat more liberal payout policies. (Watch the movie "The Incredibles" to understand what I mean!) But private insurance companies are cheaper, and due to strong regulatory practices, there isn't much of a risk of a private insurer going bankrupt.


The problem with ULIP is that you are forced to invest money year-after-year in the same bucket of funds no matter how they perform and the insurance cover is often poor for the money you pay. And you don't have the choice of NOT investing in a particular year if you have some other big-ticket expenses to take care of. Getting out is difficult too. Having said that, there's some evidence that you could come out a winner if you stay invested over a long term, but that'll need expertise and strong will that most of us don't have. And then, you can do as well - or better - in a simple stock index fund without the accompanying worries and risks! And you can invest as much or as little and in whatever fund you choose. You can take out money too if you think the market's gonna crash! So no ULIP!!! ULIP's are good only for the insurance company and the agent. The agent makes a fat commission in the first few years on a ULIP policy. He makes very little on a term policy. So you know where his/her interests lie

Gold ETF or Gold FoF

Gold mutual funds are nothing but Gold Fund of Funds(FoF) or Gold Savings Funds which invests in Gold ETF. Gold FoFs will have an additional 0.5 to 1.25% expenses per annum on top of Gold ETF. The return of Gold mutual funds are also directly proportionate to the gold price in the market but with an extra expense of Gold ETF & Gold FoF expenses per annum i.e. max 2.25% per annum. If you still compare this with owning of gold coins or ornaments the return is safer and transparent in terms of value of Gold

If you are looking for buying gold without the overhead of making changes and wastages (associated with ornaments), Gold ETF is the right option.

Gold mutual fund would also invest in companies that are involved in the extraction of gold from the mines etc. The returns of Gold mutual funds have been bad in recent times

Gold FOF mutual funds invests money in Gold ETF(usually belonging to its own fund house). But Gold ETF buys the gold in the commodity market & it has its own custodian for physical gold.

Gold ETFs can be bought only if you have demat account as they are listed in stock market. For opening Gold FoF you need not have to have any demat account, you can buy directly from any mutual fund houses or through any mf agents.

Gold ETF expense ratio would be less than 1.5%. Even Gold FoF has its own expense ratio below 1% but this will add on top of Gold ETF expense ratio.

In summary if you have demat account buy Gold ETF in open market or else buy Gold FoF through MF houses. You can buy either Quantum Gold ETF or Quantum Gold Savings fund based on your requiremen

Rajiv Gandhi Equity Savings Scheme

Full details of how to invest is RGESS is available from the National Stock Exchange.

http://www.nseindia.com/invest/content/investor_RGESS.htm

In short you need to be a "first time" investor ie new demat account with no trades so far and can invest in eligble exchange traded/list equity / mutual funds to a max limit of Rs 50K to get a Rs 25K tax deduction

saving options

PPF:
-- 9% interest
-- 15 yrs lock-in (However you can withdraw some portion after 7 years).
-- Interest earned is tax free (No TDS).

Recurring Deposit:
-- 8.5% (vary bank to bank, but interest rate is closer to FD)
-- Ideal for small amount periodically
-- Interest is not tax free. Even though bank will not deduct TDS
Individuals are required to show them in ITR and pay tax based in tax bracket

FD:
-- 9% (vary bank to bank and also based on tenure)
-- Ideal for lumpsum investment
-- Interest is taxable based on tax bracket (Bank will deduct TDS unless 15G form is submitted)

Insurance/Pension plans
-- These are not investement plans in the first place. These plans should only be used to buy protection.
Buy pure term insurance plans as insurance. Buy insurance for the earning member of the family only.
Non-earning members are the nominees or beneficiaies.

With reference to investment, if the intention is to avoid tax, please use PPF/VPF (Voluntary
provident fund). VPF is even better than PPF in terms of return (0.5% extra) with no tax on interest.

Once tax related investments are done, think of following as long term investment options

1. Buy equity/Mutual Fund. Return on this is tax free after one year. One can invest in SIP (fixed amount
monthly) for pension corpus. In long term, equity return is better than FD return and also tax effective

2. Try investing in Bonds/NCDs (Non convertible debenture) which are traded in stock market. Once RBI starts
reducing interest rate the value of Bonds/yield will go up.

3. Real estate. Minimum holding must be 3 years to avoid tax in case one makes profit by selling off.

4. Also, one can look at stocks directly. Dividends received from shares are completely tax free apart from
long term capital gains. Many good stocks are available at resonable prices today with 5-6% dividend payout.

TAX Exemption on Housing Loan April 1 ,2013

Your home loan should be less than 25L
Your home price should not exceed 40L
Your loan should be sanctioned after April 1 ,2013

About Stem Cell banking concept, new born

Its quite new in India and worldwide it is more of at an inception & research state.

2. Its storing procedure for pro-longed  period (15-25 years)  in India is not guarantee. The infrastructure for such long storage is not warranted.
3. For an abnormal birth or child with anomalies, it might be immensely helpful.
4. It is an expensive proposition , so it you have money to invest , you may or if you cannot invest there is no loss.
5. 15-25 years is a long duration , and who knows something new and better might crop in.
6. Personally doctor dint support nor suggested this endeavor and also did not guarantee its fruitful (medical) return on investment.
7. The stem cell collected from the first child can also help others in the family more so for the subsequent child.
8. It is stored only for 15-20 years and genetic diseases may not show up within that time frame.
9. Stem cells can be extracted from grownups also like from base of tooth etc
10. No major treatment that has been proven viable with stem cell, most things are in lab yet.
11. 
    
12. refrence 
13. http://www.cordlife.com.
14. Stem Cell preservation with the relicord and Cryoba
15. 
    

Most cost efficient way to call US mobile #'s from India

1. If you got Vonage from US then you can still use it in India paying the same rent in $$ using your US Bank/India Cr. Card.
2. You can install ‘viber’ on your iPhoone and then call other ‘viber’ user from India to U.S.
3. Use actionvoip to call to US and Europe.
4. install apps like Vonage, MagicJack, etc… on your mobile and get free calling to any number in US and Canada
5. Activate your Google voice account or use Skype

Education Loan FAQ

The EMI starts after 6 months of course completion or when you get job (Whichever is earlier). 

During the study period the interest charged is simple interest. But after the completion of course, it becomes compound.

Say you took loan or 2 Lakh and you drew 1 lakh for the admission and the other 1 lakh for 2nd year fee. Rate of interest assume is 10%. 

During 1st year interest :- 10,000 (10% of 1L)
During 2nd year interest :- 20,000 (10% of 2L)

But, after completion of course the interest charged becomes compound (i.e interest will be charged on 2.3L).


Also, there is an option of paying the interest during the study period only (in the above case repay 30k before study completion i.e 1250 per month repayment) .The bank gives 1% rebate on the interest rate if anyone opts for this.

Pros and Cons of buying a west facing flat

If you have all the windows and balcony facing west, you should note that it gets much warmer in the evenings due to direct sunlight

good known homeopathic doctor around bangalore

try these options

1. Bakson Homeopathy1. http://bakson.net/landingpage.html
2. http://centreofhomeopathy.com/
3. http://www.krupahomoeo.com/index.html 

Suggest HD setup box connection

Which one should be good HD connection north Indian package ?


My suggestion Videocon d2h.

I got a good deal, it costed Rs.5990 for 1 yr subscription of Platinum HD pack which has all channels including HD.
Also the HD setup box comes free with this deal

Lost My Samsung S3 , How to get the IMEI number

Lost My Samsung S3,how to get the IMEI number

If you have ever connected your mobile with the Samsung Kies on your machine, then ur IMEI number is stored in the registry of your system.
You can retrieve it from HKEY_CURRENT_USER\Software\Samsung\Kies\DeviceDB\x

IMEI number can be retrieved from your google account if you have ever set it up on S3.
Go to account->dashboard->Devices 

Best Medical insurance Policy

Apollo Munich and Max Bupa seem to have captured the market, cant be sure whether it's best or not

Authorized HTC Service Center

Authorized HTC Service Center

https://support.htc.com/alerts_downloads/en-in/Customer_Service_Centre_Locations%3A_India

Feedback on term plans

Definition of unfair business practices from the article in economic times:
"The complaints against insurance companies for selling policies by making false lucrative offers at the point of sale are put under the category of the unfair business practices"

The case of false lucrative offers may apply more to money-back policies than term policies. As in term policies, they won't be any money returns or surrender value.

When going for term plans, it is better to check the claim-settlement ratio of the insurance companies. The below link gives the no.s for money-back + term policy settlements combined together.

http://www.bachatkhata.com/2012/02/claim-settlement-ratio-for-life-insurance-companies-for-2010-11.html

One more aspect to consider is the rider benefits we get for each term policy. There is a general advice not to club health riders (Accidental death, critical illness, Disability) with term insurance. Instead, better to go for a Health insurance policy separately that will address these needs.

Reg splitting insurance money – Right now whatever amount we get insured for, we will have to reassess this amount in future – when our responsibilities, liabilities increase + the inflation factor. Personally I think, better to for one insurance policy now keeping in mind our current liabilities. And in future (next 5-10 yrs or more) when we feel there is substantial change in our requirements, we can take one more policy from a different vendor

Best place for burgers in Bangalore ?

These are the places around bangalore for Burger Lovers

1. Peppa Zzing in infantry road. From regular burgers to monster burgers to whammy’s, you get everything there
2. Truffles in kormangala
3. Thulp Kormangla

How to copy multiple lines in VNC

How to copy multiple lines in VNC  ?

Select a few lines (highlight them) then scroll to the page you want to select text till (you can use shift + page down) then hold shift and right click to the point you want to select the text.

How to get Passport for 1 year old

Procedure:

0)      Download the form from passportindia.gov.in
1)      Upload it to passportindia.gov.in after filling the form
2)      Get the Application No. Take a printout
3)      Take copies of all the required documents
4)      For minors there is no need to reserve an appointment  in PSK. For Bangalore PSK, walkin at 9AM.

Documents required:
0)      Father and Mother’s passport. This will be used as address proof as well.
1)      Birth certificate.
2)      A photo, passport-sized.

Few points to be noted

1. Appointment for minor (less than 4yrs) is not required - only in Tambaram PSK in chennai. Rest all PSK’s appointment is mandatory
2. Either of parents should have valid passport with spouse name added   --  is mandatory
3. Address proof – Need to submit valid address proof of current address (if your passports are from AP) - Mandatory
4. Date Of Birth certificate  - Mandatory

How to apply for ration card?

How to apply for ration card?

Appy online, don't trust third party

http://ahara.kar.nic.in/rationcards.html

How to choose a good helmet ?

Using open-face helmet is not suggested. You should choose a helmet such that it covers your brilliant brain and your Closeup tooth. So, make sure it has a jaw cover as well. Very Very important

LS2 helmets are excellent

LS2 are good helmets indeed, and their price fits the bracket too. If you are a bit inclined towards the designs and all , you may want to look at SOL . Apart from that AVG helmets are really good too. There is just one problem with LS2 though,  on high speeds you will feel a push sideways, whereas that’s not there with AVG ( and SOL , not sure abt SOL) . Considering you’r a RE rider , you would be cruising and not speed riding , so LS2 / SOL would do the job perfectly

Voter id card not received

if you have not received the voter cards, then Search for your name in the url 

http://ceokarnataka.kar.nic.in/vernacularSearch.aspx.

 

Best Places to Visit in June (one week trip) Bangalore

Here are the few places that can be visited in the Bangalore in the month of june 2013

Option 1

If you love rain + forest you can try the following,

1. Chickmagalur – Covers Mullayangiri [safe as per my knowledge], Baba budangiri, Kemmangundi.
2. Dandeli – Tiger reserve with white water rafting and thick forest.
3. Agumbe –  Sunset point [Ghat section]. 

During rainy season water fall is a treat to watch

1. Amboli waterfalls [nice place there are lot of lodges/hotels/resorts around. Falls is on main road so looks safe] – Border place of Maharashtra – Karnataka.  
2. dudhsagar waterfalls [you have to treak to reach the falls so family is not advisable] 
3. Jog falls
4. Sathodi falls and magod falls
5. Gokak falls

Please do your planning in terms of safety, stay, route if you are planning to visit.

Option 2

If you want to travel and not stay in one place then here’s the route with days to stay:

Start –Bangalore to Hubli/Dharwad –to Karwar (either Karwar/Gokarna stay for 1 or 2 days places to visit is Yana, Gokarna beaches, and few nearby places of your interests) – Murudeshwara (beaches and Shiva temple—either stay or travel to Udupi)— Udupi (Krishna temple, near is Malpe beach and also a good visit will be to St Mary’s Islands) – Mangalore (Ullal beach – but be careful here as the sea is very dangerous best will be not to venture at this beach itself) –Coorg (last leg of the trip can stay here for 2 days max if you want to see rain gods at its closest—but in hills don’t venture without local guide and also at this time of the year there‘ll high density of leeches, so be bit careful)—back to Bangalore.

After planning this, if you have time left for 2 to 3 days, then, you can add Goa which will start after Hubli and after Goa to Gokarna.