THE POWER OF MONEY

 

Written by Singapore's youngest millionaire (26 yrs old). Almost Gandhian!!
By Adam Khoo

Some of you may already know that I travel around the region pretty
frequently, having to visit and conduct seminars at my offices in
Malaysia, Indonesia, Thailand and Suzhou (China).I am in the airport
almost every other week so I get to bump into many people who have
attended my seminars or have read my books.

Recently, someone came up to me on a plane to KL and looked rather
shocked. He asked, 'How come a millionaire like you is traveling
economy?'My reply was, 'That's why I am a millionaire.' He still
looked pretty confused.

This again confirms that greatest lie ever told about wealth (which I
wrote about in my latest book 'Secrets of Self-Made Millionaires').
Many people have been brainwashed to think that millionaires have to
wear Gucci, Hugo Boss, Rolex, and sit on first class in air travel.
This is why so many people never become rich because the moment that
earn more money, they think that it is only natural that they spend
more, putting them back to square one.

The truth is that most self-made millionaires are frugal and only
spend on what is necessary and of value. That is why they are able to
accumulate and multiply their wealth so much faster.

Over the last 7 years, I have saved about 80% of my income while today
I save only about 60% (because I have my wife, mother in law, 2 maids,
2 kids, etc. to support).Still, it is way above most people who save
10% of their income (if they are lucky).

I refuse to buy a first class ticket or to buy a $300 shirt because I
think that it is a complete waste of money. However, I happily pay
$1,300 to send my 2-year old daughter to Julia Gabriel Speech and D
ram a without thinking twice.

When I joined the YEO (Young Entrepreneur's Orgn)a few years back
(YEO) is an exclusive club open to those who are under 40 and make
over $1m a year in their own business) I discovered that those who
were self-made thought like me. Many of them with net worth well over
$5m, travelled economy class and some even drove Toyota 's and
Nissans, not Audis, Mercs, BMWs.. I noticed that it was only those who
never had to work hard to build their own wealth (there were also a
few ministers' and tycoons' sons in the club) who spent like there was
no tomorrow. Somehow, when you did not have to build everything from
scratch, you do not really value money. This is precisely the reason
why a family's wealth (no matter how much) rarely lasts past the third
generation.

Thank God my rich dad foresaw this terrible possibility and refused to
give me a cent to start my business.

Then some people ask me, 'What is the point in making so much money if
you don't enjoy it?' The thing is that I don't really find happiness
in buying branded clothes, jewellery or sitting first class. Even if
buying something makes me happy it is only for a while, it does not
last.

Material happiness never lasts, it just give you a quick fix. After a
while you feel lousy again and have to buy the next thing which you
think will make you happy. I always think that if you need material
things to make you happy, then you live a pretty sad and unfulfilled
life.. Instead, what makes me happy is when I see my children laughing
and playing and learning so fast. What makes me happy is when I see my
companies and trainers reaching more and more people every year in so
many more countries.

What makes me really happy is when I read all the emails about how my
books and seminars have touched and inspired some one's life.

What makes me really happy is reading all your wonderful posts about
how this blog is inspiring you. This happiness makes me feel really
good for a long time, much more than what a Rolex would do for me.

I think the point I want to put across is that happiness must come
from doing your life's work (be it teaching, building homes,
Designing, trading, winning tournaments etc.) and the money that comes
is only a by-product. If you hate what you are doing and rely on the
money you earn to make you happy by buying stuff, then I think that
you are living a life of meaninglessness.

Fwd: भ्रष्टाचार को सामाजिक मान्यता प्राप्त हो गयी है

---------- Forwarded message ----------
From: Rajnish Kumar <rajnisharai@gmail.com>
Date: 2009/10/19
Subject: भ्रष्टाचार को सामाजिक मान्यता प्राप्त हो गयी है
To: aapkirai@gmail.com, eletter@prabhatkhabar.com

हमारे देश में  अभी तक परिवार, जाति, समुदाय, धर्म तथा स्थानीयता के बन्धन बहुत शक्तिशाली हैं । अतः राजनीतिक तथा प्रशासनिक दोनों ही स्तरों पर लोक अधिकारी अपने समूह के प्रति वफादारी को राष्ट्र के प्रति वफादारी पर न्योछावर करने में असमर्थ हैं । इससे भ्रष्ट व्यवहार जैसे भाई-भतीजावाद, जातिवाद आदि उत्पन्न होते हैं । साथ ही साथ, भारत का समाज आधुनिकीकरण की प्रक्रिया से भी गुजर रहा है जिसमें औद्योगीकरण, आर्थिक विकास, नगरीकरण, जनसंचार, ग्लोबलाइजेशन आदि भी सम्मिलित हैं, इसमें समाज के पुराने मूल्य टूट रहे हैं और भौतिकवादी महत्वाकाँछा अधिक प्रबल हो गयी हैं । किसी भी तरीके से धन की प्राप्ति मुख्य उद्देश्य बन गया है । यहाँ लोगों को इस बात पर परखा जाता है कि उनके पास क्या है न कि इस बात पर कि वे क्या हैं ।
दुर्भाग्यवश भ्रष्टाचार ने हमारी सामाजिक आत्मा और व्यवहार में मान्यता प्राप्त कर ली है । पंक्ति से आगे निकलना या बारी के बिना लाभ प्राप्त करना या अवैध लाभ के लिए घूस देना, हम ऐसे करते हैं जैसे यह हमारा जाति स्वभाव या प्रकृति का भाग हो । हम प्रायः ऐसे व्यक्ति का सम्मान करते हैं जिसने धन या उच्च पद प्राप्त किया है । भारत में भ्रष्ट बड़ी शान से न्यायालय जाते हैं, ऐसे पोशाक पहनते हैं जैसे शादी की पार्टी में जा रहे हों, और लोगों के प्रणाम ऐसे स्वीकार करते हैं जैसे वह न्यायालय का मुकदमा न होकर नोबेल पुरस्कार वाचन हो ।
दूसरे देशों में भी इस समय भी और अतीत में भी सत्तारुढ़ व्यक्ति भ्रष्ट तथा अनैतिक हुए हैं । परन्तु पकड़े जाने पर वे न्यायालय की दिशा में नहीं भागे, और इसको न्यायालीय फुटबॉल नहीं बनाया । वे अपने चेहरों को छुपाते हैं, सार्वजनिक जीवन को छोड़ देते हैं । देश छोड़ कर चले जाते हैं और कभी-कभी तो आत्महत्या तक कर लेते है।

 

रजनीश कुमार

अरई, औरंगाबाद

(बिहार)

Muslims, though most neglected, little interested in using RTI: Perveen Amanullah

By Manzar Bilal, TwoCircles.net,

It was a good step by UPA government in 2005 when it introduced Right to Information (RTI) Act as it gave a ray of hope to millions of citizens seeking transparency and accountability in government. Four years down the line, have citizens got real fruits of the Act? Yes, but not fully, says Mrs Perveen Amanullah, president, Bihar Suchna Adhikar Munch, in an interview with Manzar Bilal of TwoCircles.net on the 4th anniversary of RTI.

RTI Act completed its four years. How do you think people benefited from this act during these years?

Of course, lots of people have got benefits by RTI in the country. Though I have been actively involved in social work since 2002 in Delhi, but two years ago when I came Patna, I started to work for public welfare by using RTI Act. We can show you the record of thousands of people whose cases we solved and they got their rights by the virtue of this act.

Mrs Perveen Amanullah, president, Bihar Suchna Adhikar Munch

The most famous work of us in Patna which hit the news headlines and angered the government officials was the case of Patna Medical College and Hospital (PMCH). There was corruption everywhere in the hospital. Patients had to pay for every little and big work. But when we used RTI against these corrupt doctors, nurses and workers, though after a big battle, they had to give up their activities and now situation at PMCH is normal.

There are many cases in which applicants were turned away, harassed, sometimes put behind bar and charged with criminal cases. What do you say about it?

Yes, I know that only to avoid exposure of their involvement in corruption, officials of several departments tear down applications and threat applicants. Currently, we have received 40 complaints from several parts of the state which say that people were booked with false criminal cases such as murder, attempt to murder and rape only because they used RTI. This is very dangerous trend in a democratic India. But even though we should not give in to these corrupt officers, on the contrary we should use this in more numbers and continue our efforts.

What should be done to curb this problem?

We and some other social organizations working in this field are demanding the government to take some necessary steps for effective implementation of RTI. Guilty officers should be punished, so that rights of citizens can be saved.

How much Muslims are interested in using RTI?

I am sorry to say that Muslims are not interested in using RTI. We Muslims are facing many problems in the country and we are the most backward community. Of course political parties and government officials have been neglecting us, but we should also examine that what we ourselves have done for us. This is a democratic country; we should fight for the cause of our rights being in the limitation of Indian constitution. We can solve most of the problems by using RTI. Instead of abusing others we should act for our rights.

But it seems that we are happy with our problems. Therefore, we are behind all other communities in taking benefit of RTI as we are in other fields.

What do you plan for spreading awareness about RTI?

Media can play an important role for creating awareness among all deprived people about RTI. So they should do their work as much as they can. As far as we are concerned we are holding awareness program time to time and we are always ready to attend the related programs. We are going to hold programs at district level to make awareness about RTI and also to hand over memorandums to district magistrates about people's problems.

What is your massage for the people?

I humbly request all depressed people that constitution has given them a means in the form of RTI by which they can solve their problems. They should not be prey of any street leaders who might grab a big amount of money in the name of their works. On the contrary they should use RTI without any hesitation for any kind of problem.

(About the interviewee: Mrs Perveen Amanullah is wife of Bihar's principal secretary for home, Mr. Afzal Amanullah. An eminent social activist in the state, Mrs Amanullah has been working for rights of people for years using RTI Act.)

Contact:

Humlog Trust Office,
Alankar Jwellers building, 1st floor,
Muradpur, Patna, Bihar.
Office: +919304732990
Email: parveen.amanullah@gmail.com

Fw: ग्राम उमेर बिगहा में प्राथमिक विद्यालय के निर्माण हेतु ।

--- On Thu, 15/10/09, Shrikant Sharma <shrikant_jdu@yahoo.in> wrote: From: Shrikant Sharma <shrikant_jdu@yahoo.in> Subject: ग्राम उमेर बिगहा में प्राथमिक विद्यालय के निर्माण हेतु । To: cmbihar@nic.in, cmbihar-bih@nic.in Cc: cms-secy-bih@nic.in, cs-bihar@nic.in Date: Thursday, 15 October, 2009, 7:29 AM सेवा में, माननीय मुख्यमंत्री, बिहार सरकार द्वारा मुख्य सचिव, बिहार सरकार   विषय - ग्राम उमेर बिगहा में प्राथमिक विद्यालय के निर्माण हेतु ।   महाशय, उमेर बिगहा, औरंगाबाद जिलान्तर्गत दाऊदनगर प्रखंड के अरई पंचायत में अवस्थित है । यह गांव विकास के किरण से कोसों दूर है । लगभग २००० की आबादी होने के बावाजूद २ कि* मी* की परिधि में छोटे बच्चों के लिए प्राथमिक विद्यालय का न होना दुखद एवं निराशाजनक है । अत: आग्रह है कि इस गांव में एक प्राथमिक विद्यालय की स्थापना कर बच्चों के सर्वांगीण विकास का मार्ग प्रशस्त करें । विश्वासी- श्रीकान्त शर्मा अध्यक्ष, जिला किसान सभा (जद-यू), औरंगाबाद ग्राम पोस्ट - अरई, प्रखण्ड- दाऊदनगर जिला- औरंगाबाद (बिहार), पिन-८२४११३ Yahoo! India has a new look. Take a sneak peek.

---

Keep up with people you care about with Yahoo! India Mail. Learn how.

For making Road in village Piprahi.

Respected sir/madam, In District Aurangabad (Bihar), Block – Goh, the Road from Raghu Bigha to Lodipur Via Piprahi (Bhurkunda Panchayat) is in shabby condition. Villagers are living in mud and water only and they have never experienced a fresh road. We can't imagine about, how they live in that position. The population of the village is not less than 4000, although it has never been recommended by any politician or official for a road. One of the main objective of Bharat Nirman Yojna is to connect all villages that have a population of 1000 with an all weather road. Therefore, Sir, for the interest of the common people and to maintain good governance & development, your positive response is expected.   Sincerely- Rajnish Kumar Village+Post - Arai, Ps - Daudnagar, Dist. - Aurangabad (Bihar) PIN - 824113

---

Connect more, do more and share more with Yahoo! India Mail. Learn more.

Fw: दाऊदनगर थाना काण्ड संख्या 217/2009

--- On Sat, 10/10/09, Rajnish <rajnisharai@yahoo.co.in> wrote: From: Rajnish <rajnisharai@yahoo.co.in> Subject: दाऊदनगर थाना काण्ड संख्या 217/2009 To: sp-aurangabad-bih@nic.in, dm-aurangabad.bih@nic.in Cc: cmbihar@nic.in, "Nitish Kumar" <cmbihar@bih.nic.in>, dgp-bih@nic.in, cs-bihar@nic.in, query@bsic.co.in, presidentofindia@rb.nic.in Date: Saturday, 10 October, 2009, 5:29 PM आदरणीय महाशय, दाऊदनगर थाना काण्ड संख्या 217/2009 में लगाये गये सारे आरोप निराधार एवं मनगढंत हैं । चूँकि मैंने तथा श्रीराम मौआर ने भी सूचना के अधिकार के तहत प्रबंधक से सूचना माँगी थी,  तथा इनके कुकृत्यों से वरीय पदाधिकारियों को अवगत कराया तो उन्होने सूचना न देकर प्राथमिकी दर्ज करना ही बेहतर समझा । मैं इस मेल के साथ दैनिक जागरण की खबर तथा पूर्व मे की गयी शिकायत को भी संलग्न कर रहा हूँ । कृपया मामले की जाँच कर उचित कार्रवाई करें, मैं आभारी रहूँगा ।   विश्वासी- रजनीश कुमार ग्राम पोस्ट - अरई, थाना -दाऊदनगर, जिला - औरंगाबाद (बिहार)       News Published in Dainik Jagran बैंक प्रबंधक के साथ मारपीट, नकदी छीनी Oct 07 दाउदनगर (औरंगाबाद) मध्य बिहार ग्रामीण बैंक अरई शाखा के शाखा प्रबंधक राम दिनेश सिंह के साथ कुछ लोगों द्वारा दुव्यर्वहार करने एवं पैसा छिन लेने का मामला प्रकाश में आया है। सोमवार को शाखा प्रबंधक ने मामले की प्राथमिकी दाउदनगर थाना में दर्ज कराई है। प्राथमिकी में अरई के रजनीश कुमार, श्री राम मौआर, संतोष कुमार सहित दो अज्ञात लोगों को अभियुक्त बनाया गया है। बताया जाता है कि आरोपियों ने बैंक में आकर काउंटर से रुपए की मांग की। उस समय रुपए नहीं थे तो आरोपी जबरदस्ती करने लगे जिसका बैंक के संदेशवाहक शिवशंकर साव ने विरोध किया तो उसके साथ भी मारपीट की गई। शाखा प्रबंधक के पाकेट से पांच हजार रुपए निकाल गाली गलौज किया। पुलिस ने अभियुक्तों के विरुद्ध भादसं की धारा 341, 323, 504, 379 के तहत प्राथमिकी दर्ज कर मामले की तहकीकात कर रही है।  Keep up with people you care about with Yahoo! India Mail. Learn how.

---

Keep up with people you care about with Yahoo! India Mail. Learn how.

The Pretty Lady

Once upon a time a big monk and a little monk were traveling together. They came to the bank of a river and found the bridge was damaged. They had to wade across the river. There was a pretty lady who was stuck at the damaged bridge and couldn't cross the river. The big monk offered to carry her across the river on his back. The lady accepted. The little monk was shocked by the move of the big monk. "How can big brother carry a lady when we are supposed to avoid all intimacy with females?" thought the little monk. But he kept quiet. The big monk carried the lady across the river and the small monk followed unhappily. When they crossed the river, the big monk let the lady down and they parted ways with her. All along the way for several miles, the little monk was very unhappy with the act of the big monk. He was making up all kinds of acussations about big monk in his head. This got him madder and madder. But he still kept quiet. And the big monk had no inclination to explain his situation.  Finally, at a rest point many hours later, the little monk could not stand it any further, he burst out angrily at the big monk. "How can you claim yourself a devout monk, when you seize the first opportunity to touch a female, especially when she is very pretty? All your teachings to me make you a big hypocrite The big monk looked surprised and said, "I had put down the pretty lady at the river bank many hours ago, how come you are still carrying her along?" [This very old Chinese Zen story reflects the thinking of many people today. We encounter many unpleasant things in our life, they irritate us and they make us angry. Sometimes, they cause us a lot of hurt, sometimes they cause us to be bitter or jealous ... But like the little monk, we are not willing to let them go away.We keep on carrying the baggage of the "pretty lady" with us. We let them keep on coming back to hurt us,  make us angry, make us bitter and cause us a lot of agony.Why? Simply because we are not willing to put down or let go of the baggage of the "pretty lady". We should let go of the pretty lady immediately after crossing the river, that is after the unpleasant event is over.This will immediately remove all our agonies.There is no need to be further hurt by the unpleasant event after it is over.]

---

Now, send attachments up to 25MB with Yahoo! India Mail. Learn how.

'Strengthen democracy through RTI Act'

Humlog Trust secretary and Bihar Right to Information Manch coordinator Parveen Amanullah on Saturday said that democracy can be strengthened not only by casting vote once in five years, but also through Right to Information (RTI) Act. Revival of collapsed systems and sorting out people's problems is possible through this right, she said, adding it is necessary for the common people to properly understand and use their democratic rights and responsibilities and exercise their franchise under the democratic set up. But, she said, the people's democratic responsibilities did not begin or end with casting their votes only since they are also required to nurture the democratic system in the day-to-day functioning. She said it is responsibility of the public to ensure that doctors are present in hospitals, teachers in schools, government servants in their offices as well as the maintenance of public buildings and proper sanitation, and proper implementation of old age pension and BPL card schemes for the welfare of the people.

---

From cricket scores to your friends. Try the Yahoo! India Homepage!

Fw: Re: For adoption of village Arai by SBI Daudnagar (Branch Code 5609).

--- On Thu, 8/10/09, chairman@sbi.co.in <chairman@sbi.co.in> wrote: From: chairman@sbi.co.in <chairman@sbi.co.in> Subject: Re: For adoption of village Arai by SBI Daudnagar (Branch Code 5609). To: "Rajnish" <rajnisharai@yahoo.co.in> Cc: pstocgm.lhopat@sbi.co.in Date: Thursday, 8 October, 2009, 5:21 PM Dear Sir, We acknowledge the receipt of your email dated 6th October, 2009 addressed to Chairman. We have forwarded your complaint to the P.S. to Chief General Manager, Local Head Office, Patna (pstocgm.lhopat@sbi.co.in) and to the Dy. General Manager (Customer Service) (dgm.customer@sbi.co.in) for necessary action. You will be hearing from him in the matter. Regards, AGM, Chairman's Sectt. From: Rajnish <rajnisharai@yahoo.co.in> To: chairman@sbi.co.in Cc: md.ccro@sbi.co.in, gm.snb@sbi.co.in Date: 06/10/2009 09:48 Subject: For adoption of village Arai by SBI Daudnagar (Branch Code 5609). Respected Chairman, State Bank of India   SUB - For adoption of village Arai by SBI Daudnagar (Branch Code 5609).   Sir,   I am from Village Arai, Ps Daudnagar, Dist Aurangabad (Bihar). My nearest branch of SBI is at Daudnagar (5609). Please adopt the village Arai for all round development. Here you have a great business opportunities too. If you guide your subordinates some CSR fund (Corporate Social Responsibility Fund) may be used for betterment of life style of villagers. We the villagers will be grateful to you for the same.   With Regards- Rajnish Kumar Village+Post Arai Now, send attachments up to 25MB with Yahoo! India Mail. Learn how. --- Disclaimer --- The information in this mail is confidential and is intended solely for addressee. Access to this mail by anyone else is unauthorised. Copying or further distribution beyond the original recipient may be unlawful. Any opinion expressed in this mail is that of sender and does not necessarily reflect that of State Bank group. ---

---

Keep up with people you care about with Yahoo! India Mail. Learn how.

बैंक के विरुद्ध शिकायत कैसे करें ?

अगर आपको बैंक से किसी तरह की कोई शिकायत हो तो निम्नांकित कदम उठाएँ - (सारे उदाहरणों को मध्य बिहार ग्रामीण बैंक, अरई के संदर्भ में समझा जाए) स्टेप (१)  सबसे पहले शाखा प्रबंधक को संबोधित एक लिखित शिकायत करें, जिसकी पावती (शिकायत की छाया प्रति पर) अवश्य ले लें । अगर प्रबंधक पावती देने में आनाकानी करते हों, तो शिकायत पत्र रजिस्टर्ड अथवा स्पीड पोस्ट से भेजें । शिकायत पत्र की छाया प्रति के साथ रजिस्टर्ड अथवा स्पीड पोस्ट का रसीद अवश्य रखें । अगर आप किसान क्रेडिट कार्ड हेतु आवेदन दे रहे हों, तो आवेदन पत्र के पृष्ठ संख्या ८ (आठ) से प्रबंधक द्वारा दस्तखत किया हुआ पावती रसीद फाड़कर अवश्य ले लें । प्रायः ऐसा देखा जाता है कि आप आवेदन करते समय पावती रसीद नहीं लेते हैं, जिससे आपके पास प्रबंधक द्वारा मनमानी करने पर शिकायत करने के लिए कोई प्रमाण भी नहीं रहता । बैंक से पत्राचार का पता है-              शाखा प्रबंधक'     मध्य बिहार ग्रामीण बैंक, अरई     पोस्ट - अरई, थाना - दाऊदनगर,     जिला - औरंगाबाद (बिहार),      पिन - ८२४११३ स्टेप (२) अगर १५ (पंद्रह) दिनों के अंदर आपके शिकायत का समाधान नहीं होता है अथवा आप समाधान से संतुष्ट नहीं होते हैं, तो पहले भेजे गए शिकायत पत्र की छाया प्रति के साथ नियंत्री पदाधिकारी अथवा क्षेत्रीय प्रबंधक को संबोधित पुनः एक शिकायत पत्र भेजें । यह अवश्य ध्यान रखें कि शिकायत पत्र की पावती रसीद आपको मिल जाए अन्यथा रजिस्टर्ड पोस्ट या स्पीड पोस्ट से भेजें । क्षेत्रीय प्रबंधक से पत्राचार का पता है -             क्षेत्रीय प्रबंधक सह नियंत्री पदाधिकारी,             मध्य बिहार ग्रामीण बैंक, औरंगाबाद,             चंद्रिका कोठी, चंदेल मार्केट,             महाराजगंज रोड, औरंगाबाद,             जिला - औरंगाबाद (बिहार),              पिन - 823001 स्टेप (३) अगर एक महीने के अंदर आपके शिकायत का निवारण नहीं होता है, तो आप बैंकिंग लोकपाल के पास अपनी शिकायत दर्ज करा सकते हैं । शिकायत के साथ पहले किए गए शिकायतों की छाया-प्रति लगाना न भूलें । इसकी प्रक्रिया बिल्कुल सरल, सस्ती एवं न्याय सुलभ है । बैंकिंग लोकपाल का पता है - बैंकिंग लोकपाल, रिजर्व बैंक ऑफ इण्डिया, दक्षिणी गाँधी मैदान, पटना - ८००००१ Tel.No.0612-2322569/2323734 Fax No.0612-2320407 आपके पास बैंकिंग लोकपाल के पास जाने हेतु एक वर्ष का समय है अर्थात नियंत्री पदाधिकारी के पास शिकायत पत्र भेजने के तीस दिन बाद से आप एक वर्ष के अंदर कभी भी बैंकिंग लोकपाल के पास शिकायत दर्ज करा सकते हैं । स्टेप (४)  अगर आप बैंकिंग लोकपाल के निर्णय से भी संतुष्ट नहीं हैं, तो दो साल के अंदर डिप्टी गवर्नर, रिजर्व बैंक ऑफ इण्डिया के पास अपील कर सकते हैं । पता है -   Deputy Governor, Reserve Bank of India, Amar Building, First Floor, Sir P. M. Road, Fort, Mumbai - 400 001. स्टेप (५) अगर आप अब भी संतुष्ट नहीं हैं, कंज्यूमर प्रोटेक्शन ऐक्ट के अंतर्गत कंज्यूमर कोर्ट का सहारा ले सकते हैं ।   इसके अलावे बैंक के खिलाफ संबंधित जिले के जिला पदाधिकारी, राज्य तथा केन्द्र सरकार के वित्तमंत्री, मुख्यमंत्री सचिवालय तथा संयुक्त सचिव (बैंकिंग ऑपरेशन्स) के पास भी शिकायत दर्ज की जा सकती है ।   आश्चर्य होता है कि लोग दो रुपये का पोस्टकार्ड खर्च नहीं करते हैं और लोन का १०-१५ प्रतिशत तक घूस देने को तैयार हो जाते हैं । अगर आपको शिकायत करने में अब भी कोई परेशानी हो रही हो तो मेरे इमेल rajnisharai@gmail.com पर लिखें या मिलें । निवेदक - रजनीश कुमार ग्राम पोस्ट - अरई थाना - दाऊदनगर, जिला - औरंगाबाद (बिहार)

---

Connect more, do more and share more with Yahoo! India Mail. Learn more.

How to address problems with banks?

If you are having problem with any bank, initiate following steps: 1. Lodge a complaint on phone/mobile with the customer care helpline of the bank and note down complaint number, date, time and name of the person who attended your call. Details of contact numbers of customer care can be had from website of the bank. 2. If nothing transpires to your satisfaction, send a detailed written complaint, with copies of papers held by you to the branch of the bank and obtain acknowledgement or send by registered/speed post ad. Simultaneously if possible, send an email by visiting bank's website. Now most of the banks are having branch wise contact details and email IDs. 3. If no action is initiated or you are not satisfied with the reply, address the complaint to Nodal Officer at Head Office of the bank. Give details of your complaint to customer care and bank branch and their reply or no reply. Contact details are available on bank's website under customer service/care icon. Send it by registered/speed ad post and also email the same. 4. If you do not get proper reaction within a month from the bank, file a complaint with banking ombudsman of your state by visiting www.bankingombudsman.rbi.org.in. Procedure is simple, cost effective and prompt. 5. You have one year time from date of cause of action to approach banking ombudsman. If you are not satisfied with the decision of banking ombudsman, you can file appeal to Dy. Governor of RBI at its H.O. in Mumbai. 6. If you are still not satisfied, you can resort to Consumer Protection Act. You have maximum two years time from date of cause of action. 7. If you are not having necessary papers, in case of nationalized banks you can simultaneously resort to The Right to Information Act for getting the papers. 8. You need not hire any advocate for approaching nodal officer or banking ombudsman. You can communicate in English, Hindi or regional language. Even for Complaint under Consumer Protection Act there is no need of advocate, but it is advisable if amount involved is substantial. 9. If possible, you can take assistance of a serving or retired officer of the bank for properly drafting the complaint. 10. You can also refer the matter to NGOs working for consumer protection in your area and also www.core.nic.in [central govt helpline]. They also take up the matter with banks on your behalf. You can get details of NGOs by searching on yahoo/google etc. 11. When ever you personally discuss your problem with bank officer, note down his name and designation with date, place and time of discussion. Send an email giving gist of discussion. This is necessary, as the officer cannot retract later on unless he refutes your gist sent by email by return post.

---

Yahoo! India has a new look. Take a sneak peek.

Fw: Re: For adoption of village Arai by SBI Daudnagar (Branch Code 5609).

--- On Tue, 6/10/09, gm.snb@sbi.co.in <gm.snb@sbi.co.in> wrote: From: gm.snb@sbi.co.in <gm.snb@sbi.co.in> Subject: Re: For adoption of village Arai by SBI Daudnagar (Branch Code 5609). To: "Rajnish" <rajnisharai@yahoo.co.in> Date: Tuesday, 6 October, 2009, 10:48 AM Your request has been forwarded to Gm Corporate Communications and Change at this office who deals with CSR initiatives of the Bank and whose Email address is gm.ccc@sbi.co.in --- Disclaimer --- The information in this mail is confidential and is intended solely for addressee. Access to this mail by anyone else is unauthorised. Copying or further distribution beyond the original recipient may be unlawful. Any opinion expressed in this mail is that of sender and does not necessarily reflect that of State Bank group. ---

---

Try the new Yahoo! India Homepage. Click here.

Fw: Violation of RTI Rule by Madhya Bihar Gramin Bank.

--- On Mon, 5/10/09, Rajnish <rajnisharai@yahoo.co.in> wrote: From: Rajnish <rajnisharai@yahoo.co.in> Subject: Violation of RTI Rule by Madhya Bihar Gramin Bank. To: mbgbcoabad@yahoo.com Cc: query@bsic.co.in, dm-aurangabad.bih@nic.in Date: Monday, 5 October, 2009, 9:31 PM Respected Regional Manager, Madhya Bihar Grameen Bank, Aurangabad (Bihar)   According to RTI Rule it is must to display the name, designation and contact addresses of PIO and Appellate authorities at all public sector offices and Bank Branches. But in Aurangabad district no one MBGB Branches has displayed the same, even after four years. In first appearance it is violation of RTI Rule. Although i have made a complaint to SIC in this regard earlier with no resolution till date. Please look into this matter and do the needful.   Regards- Rajnish Kumar Village+Post - Arai, Ps - Daudnagar, Dist. - Aurangabad (Bihar) PIN - 824113 Keep up with people you care about with Yahoo! India Mail. Learn how.

---

From cricket scores to your friends. Try the Yahoo! India Homepage!

Fw: For adoption of village Arai by SBI Daudnagar (Branch Code 5609).

--- On Tue, 6/10/09, Rajnish <rajnisharai@yahoo.co.in> wrote: From: Rajnish <rajnisharai@yahoo.co.in> Subject: For adoption of village Arai by SBI Daudnagar (Branch Code 5609). To: chairman@sbi.co.in Cc: md.ccro@sbi.co.in, gm.snb@sbi.co.in Date: Tuesday, 6 October, 2009, 9:50 AM Respected Chairman, State Bank of India   SUB - For adoption of village Arai by SBI Daudnagar (Branch Code 5609).   Sir,   I am from Village Arai, Ps Daudnagar, Dist Aurangabad (Bihar). My nearest branch of SBI is at Daudnagar (5609). Please adopt the village Arai for all round development. Here you have a great business opportunities too. If you guide your subordinates, some CSR fund (Corporate Social Responsibility Fund) may be used for betterment of life style of villagers. We the villagers will be grateful to you for the same.   With Regards- Rajnish Kumar Village+Post Arai, Dist. - Aurangabad (Bihar), PIN - 824113 Now, send attachments up to 25MB with Yahoo! India Mail. Learn how.

---

Keep up with people you care about with Yahoo! India Mail. Learn how.

Fw: थाना हाजत यातनागृह में तब्दील है ।

--- On Tue, 6/10/09, Rajnish <rajnisharai@yahoo.co.in> wrote: From: Rajnish <rajnisharai@yahoo.co.in> Subject: थाना हाजत यातनागृह में तब्दील है । To: sgnhrc@nic.in Date: Tuesday, 6 October, 2009, 2:11 PM आदरणीय महाशय, मैं राष्ट्रीय मानवाधिकार आयोग का ध्यान दाऊदनगर थाना भवन में स्थित हाजत की ओर दिलाना चाहता हूँ । वास्तव में यह बिल्कुल अमानवीय है, बल्कि दूसरे शब्दों में कहा जाए तो यह यातनागृह से भी बढ़कर है । लगभग प्रतिदिन यहाँ दोषी-निर्दोष सभी तरह के लोग जो किसी मुकदमे के अभियुक्त होते हैं पकड़कर लाए जाते हैं तथा इसी यातनागृह में बंद कर दिए जाते हैं । न तो इसमें यूरिनल की व्यवस्था है, न पानी की, न बिछावन की, न शौचालय की, मच्छरों का अपार झुण्ड खून पीने को तैयार रहता है । मैं इसमें कभी गया तो नहीं हूँ, पर किसी भी आदमी को इस परिस्थिति में रात गुजारते देखता हूँ, तो मेरा मन रोने को करता है । आदमी क्या, जानवरों के रहने लायक भी नहीं है यह हाजत । अभियुक्तों के साथ इस तरह का अमानवीय बर्ताव कहीं से भी उचित नहीं कहा जा सकता । मैंने तो केवल दाऊदनगर का हाजत देखा है, हो सकता है हर थाने के हाजत इसी तरह के यातना गृह होंगे । महाशय, मेरे दृष्टिकोण से तो यह सरकार द्वारा मानवाधिकारों का घोर उल्लंघन है । कृपया मामले की सत्यता का पता लगायें, और इसके निराकरण हेतु उचित कदम उठाकर कृतार्थ करें ।   निवेदक- रजनीश कुमार पिता - डा॰ कृष्ण नन्दन शर्मा ग्राम पोस्ट - अरई, थाना - दाऊदनगर, जिला - औरंगाबाद (बिहार), पिन - ८२४११३ Yahoo! India has a new look. Take a sneak peek.

---

From cricket scores to your friends. Try the Yahoo! India Homepage!