Cancel your credit card before you die...

Now some people are really stupid!!!!

Be sure and cancel your credit cards before you die.
For that you must try & find your date of death
in advance.
This is so priceless, and so, so easy to see happening, customer service being what it is today.

A lady died this past January, and ICICI Bank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been Rs.0.00 when she died, but now somewhere around Rs.6000.00. A family member placed a call to ICICI Bank.

Here is the exchange :

Family Member: 'I am calling to tell you she died back in January.'

ICICI Bank: 'The account was never closed and the late fees and charges still apply.'

Family Member: 'Maybe, you should turn it over to collections. '

ICICI Bank: 'Since it is two months past due, it already has been.'

Family Member: So, what will they do when they find out she is dead?'

ICICI Bank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!'

Family Member: 'Do you think God will be mad at her?'

ICICI Bank: 'Excuse me?'

Family Member: 'Did you just get what I was telling you - the part about her being dead?'

ICICI Bank: 'Sir, you'll have to speak to my supervisor.'

Supervisor gets on the phone:

Family Member: 'I'm calling to tell you, she died back in January with a Rs.0 balance.'

ICICI Bank: 'The account was never closed and late fees and charges still apply.'

Family Member: 'You mean you want to collect from her estate?'

ICICI Bank: (Stammer) 'Are you her lawyer?'

Family Member: 'No, I'm her great nephew.' (Lawyer info was given)

ICICI Bank: 'Could you fax us a certificate of death?'

Family Member: 'Sure.' (Fax number was given )

After they got the fax :

ICICI Bank: 'Our system just isn't setup for death. I don't know what more I can do to help.'

Family Member: 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care.'

ICICI Bank: 'Well, the late fees and charges will still apply.'

(What is wrong with these people?!?)

Family Member: 'Would you like her new billing address?'

ICICI Bank: 'That might help...'

Family Member: Odessa Memorial Cemetery , Avinashi, Coimbatore

ICICI Bank: 'Sir, that's a cemetery!'

Family Member: 'And what do you do with dead people on your planet???'

Happy Ganesha Chaturthi

 Ganesha chaturthi greetings,  Ganesha chaturthi wallpaper,  Ganesha chaturthi message

 Ganesha chaturthi greetings,  Ganesha chaturthi wallpaper,  Ganesha chaturthi message

Self Appraisal


*A little boy went to a telephone booth which was at the cash counter of a store and dialed a number.

The store-owner observed and listened to the conversation:

Boy : “Lady, Can you give me the job of cutting your lawn?
Woman : (at the other end of the phone line) “I already have someone to cut my lawn.”

Boy : “Lady, I will cut your lawn for half the price than the person who cuts your lawn now.”

Woman : I’m very satisfied with the person who is presently cutting my lawn.

Boy : (with more perseverance) “Lady, I’ll even sweep the floor and the stairs of your house for free.

Woman : No, thank you.With a smile on his face, the little boy replaced the receiver. The store-owner, who was listening to all this, walked over to the boy.

Store Owner : “Son… I like your attitude; I like that positive spirit and would like to offer you a job.”

Boy : “No thanks,
Store Owner : But you were really pleading for one.
Boy : No Sir, I was just checking my performance at
the job I already have. I am the one who is working for that lady I was talking to!” *

** This is called self Appraisal”
 Give your best and the world comes to you!!!!!

Salon style beauty at home

Salon style beauty at home

Dry skin


Can you ever go wrong with honey? No, you cannot. Most skin care products contain honey, so how can we exclude this from our list. You can use honey to make your own cleansers and scrub. Here are some simple homemade recipes featuring the humble honey.

Natural honey and almond scrub

Scrub away dead skin with this super powerful honey and almond scrub. Combine almonds, oatmeal, honey and the juice of one lemon. Blend them together and voila! you have your very own honey and almond scrub ready.

Wait, it's not over yet. There's a special way to use this special recipe. Apply on the face in small circular motions. The scrub also doubles as a face mask. Leave it on for 5-8 minutes as the ingredients wield their magic wand and give you soft and glowing skin.

Honey cucumber toner

Having summer blues? Fret not, here's what you need to do to get the skin that smiles even in the harsh summer sun.
Strain the juice of one cucumber and mix it with honey, you may also add rose water. Keep it stocked in the refrigerator, apply on the face with a cotton ball daily as often as you like.

Acne problems


Most women would have faced the problem of acne at some point or other in their life. Show acne the door with this very easy to make Neem face pack.
Soak dry neem powder in some lukewarm water or grind fresh neem leaves to a fine paste. Next, add rose water, sandalwood powder and juice of one fresh lime. Apply on the whole face or the affected area. Use 4 days in a week for acne free skin.


Now who would have thought that tomatoes could come in handy for treating acne? But they do. Tomatoes contain lycopene, an antioxidant that helps stave off wrinkles and fine lines, give a radiant complexion and what more, they also help treat acne.

Tomato and avocado face mask

Mash one ripe tomato and avocado together. You can also add half a teaspoon of turmeric to it. Turmeric has antibacterial properties and helps fight bacteria responsible for acne. For best results use this face pack 4 days in a week.


Surprised to see it on this list? Allow us to reveal the might of this wonder product. Onions have anti-inflammatory properties and not only help fight acne but also eliminate acne scars.

Onion oatmeal scrub

To a pot of boiling water add about 3 table spoons of oatmeal and let it simmer for around 5 mins. Next, add finely grinded paste of one medium onion to it. Turn off the flame and let it cool. You can store it in the refrigerator for about 1 week. You can also add honey or green clay to achieve the right consistency.  Apply on the face and leave it on for 20 mins and rinse it off.

Stretch marks

Oh, those nasty obstinate stretch marks! How many times have you wondered if there was something that could help you get rid of them? Your wish has been granted. It's time to say goodbye to those ugly stretch marks.

Olive oil and Aloe Vera pack

To make this recipe you will require ½ cup of olive oil, ¼ cup Aloe Vera gel, 2 vitamin A capsules and 4 Vitamin E capsules. First, break the Vitamin tablets in a bowl. To it add the rest of the ingredients. Apply on the affected area. Regular use of this mix is sure to make your stretch marks vanish away.

Sugar and almond oil scrub

Make a paste of sugar, almond oil and lemon juice. Rub the mixture on the affected area before taking a shower every day and you will see your stretch marks fade away within a short span of time.

Potato juice

Cut a potato into thick slices. Rub over the affected area for some time. Clean off with lukewarm water. Repeat the process every day for rapid results.

Sunburns and tanned skin

Is the summer heat driving you mad? And if, God forbid, you get a tan, there is no way you can do anything else to divert the attention from your sun roasted skin. Forget expensive chemical treatments, you can get rid of tan at home with these simple recipes. What more, you wouldn't have to dash to the supermarket to get the ingredients; chances are you would have them stocked in your refrigerator or in your kitchen cupboard.


The citrus fruit is a wonder product if you wish to get rid of the unsightly sun tans. Squeeze the juice of 2 lemons; add some cucumber and rose water to it. Apply it on the affected area. If you have sensitive skin, do not use too much lemon juice and add the paste of potato instead. Applying curd on the affected area is also believed to help reduce the tanning.

Chapped lips

Say hello to baby soft lips with this miraculous technique. Apply some honey or petroleum jelly on your lips and then with the help of an old toothbrush, brush away the dead skin and lo and behold! you have baby soft lips.

Frizzy hair

Remember, how your grandmother always told you to oil your hair before washing? Well, she was right about this one. Slather your hair with some oil before washing your head. Know what? Many actresses including Deepika Padukone swear by this one. We recommend linseed oil. Why? Well, you have to try to know the reason.

Very Beautiful Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Henna Designs For Foot

Side Effects Of Non-Systematic Working

A story told by an IIM professor regarding the side effects of non-systematic working :-
After completion of Lanka War Hanumanji was enjoying LTA with his friends. He got an email on his laptop from Accounts requesting him to clear his dues before 31st March - dues related to his tour for bring Sanjivani Booti for Laxmanji. He ignored the first mail. But after 3 - 4 reminders in two days time & receiving a call on CUG Mobile from Accounts Dept., he had to fly to Ayodhya canceling his leave.
He submitted - TA, DA Bill, Bills of Sushen Vaidya, Hospital Charges incurred for Bharatji when met with an accident during his travel, Cost of Sanjeevani Booti for Laxmanji, (Transport charges)
(1) Where is your tour sanction report ? Asked the HR & ADMIN Dept. Hanumanji got it done sting to concerned officials 2 or 3 times.
(2) Hanumanji claimed T.A. Bill for air travel - but he as given only second class sleeper charges. And all other expenses on medical, Sanjeevani Booti, expenses on Sushen Vaidya were not reimbursed.
When he asked for the reasons, he was told that:
(a) As per his designation, he is entitled for IInd class sleeper only.
(b) He cannot get claim for other things as he does not have bills.
Hanumanji approached Shri Rama and explained him about the deduction on his tour expense report : Ramji ordered the related official to pay for Air travel & other charges as claimed by Hanumanji. The officer came with the rule book & told Shri Ramji "These rules were created by grand father of Dasharathji, If you want to overrule your forefathers I don't have any problem."
Ramji became speechless. So he thought for another way to compensate Hanuman. He called Hanumanji & gave him the claimed amount in cash, But how can Hanumanji take cash money from Ramji ?
Hanumanji said "How can I take money from you for treating Laxmanji? Laxmanji is equally reverend to me as you are." Later in his heart of hearts Hanumanji thought "Why he listened to accounts fellow, cut short his LTA, completed all the formalities & put Shri Ram in such an awkward position where he has to offer money to me!!!"
Hanumanji continued his work with the same attachment as he used to after this incidence also.
Hanumanji was a God, but for us, mortals, learnt a different lesson & that was
"NOT to do anything without proper sanctions FROM HR & IMMEDIATE BOSS : Whatever may be the urgency or importance of the job" 

Today's Generation

cartoon, vector, today's generation

Girl said: Dad, I'm in love with a boy who is far
away from me. I am in India and he lives in Alaska.
We met on a dating website, became friends on
facebook, had long chats on whatsapp, he proposed
to me on skype, and now we've had 2 months of
relationship through Viber.I need your blessings
 and good wishes, daddy.

Dad said: Wow! Really!! Then get married on twitter,
have fun on tango.Buy your kids on e-bay, receive them
through gmail.
And if you are fed up with your husband...sell him on

One Of The Best Message on Corporate life

One of d best msg on corporate life:

1.  I learnt to operate 3 critical machines
*         Scanner
*         Printer
*         Xerox Machine

2.  I learnt to use 3 High End Software:
*         Microsoft Word
*         Microsoft Excel
*         Microsoft PowerPoint

3.  I learnt to use 3 great short cuts:-
*         Ctrl+C
*         Ctrl+V
*         Ctrl+S

4. I learnt to say three very imp words for professional life:-
*         Yes sir
*         Ok sir.
*         I'll Just Do That sir

5.  When I really wanted to quit, I learnt to: -
*         Wake Up early
*         Sleep late
*         Continue to Work

6.  I learnt to: -
*         Face Monday
*         Fight For 5 Days
*         Wait For Friday

7.  I learnt to give reasons to family frnds and relatives for not making
*         Phone Calls
*         Messages
*         Mails

8.  I learnt to celebrate these things far away from loved ones:-
*         Birthday
*         New Year
*         Festivals

9.  In last one year, People say:-
*         You Learnt...
*         You Earned...
*         You Enjoyed...

10.  But when I compare me with my self...
*         I just Sustained...
*         I just Tolerated...
*         I just Survived... for bucks

11.  I have survived:-
*         For convenience of my Family...
*         To avoid blame of Society...
*         To get tag of Employment...

12.  When I already knew that I have got the wrong train.
*         I learnt to Rejoice...
*         To be Happy...
*         To Smile..

I learnt that corporate life and dreams can never meet..

Because when they meet,
both will lose their meaning..