Tips for safety in ATM Transaction!

Whereas there are many advantages in the usage of Automatic Teller Machines, the users should take enough precautions in the safe keeping of the ATM cards provided to them and also to take precautions while doing transactions in ATMs.
 
 
Tips for Safe Use of ATMs and Performing Transactions
 
  • Your card is very important and must be kept safely.
  • Do not keep your ATM card near any magnet or magnetic gadget like television set, magnetic compass, purse or wallet having magnetic locking arrangements as magnetic field may erase all data stored in the magnetic strip of your ATM card.
  • Store your ATM card in a secure place where you will immediately know if it is missing.
  • Store the ATM card carefully so that the magnetic stripe does not get damaged.
  • Never leave your Card unattended at places like your car, in a hotel room, workplace or at the bar and restaurant you visit
  • DO NOT bend the card.
  • DO NOT place two cards with magnetic stripes together.
  • Cancel unused cards and shred blocked cards.
  • Immediately report any stolen or lost ATM card to the proper authorities 
  • Your ATM PIN must be kept very secret since ATM card can be misused by a person if he/she steals both the ATM card and the ATM PIN together.
  • Change your PIN frequently; do not write it a piece of paper or on the face/back of the ATM card but memorize it.
  • Select a PIN that must be difficult to guess; avoid household numbers such as house number, car number, birthday etc
  • Never disclose your PIN to anyone including members of your family or relatives; if it gets divulged for some reason, change it immediately.
  • Do not keep pin and card together under any circumstances.
  • Precautions to be taken while doing transaction with the card
  • Avoid using ATMs in remote / unprotected areas and avoid ATMs adjacent to obvious hiding places.
  • If you want us to alert you whenever a transaction takes place on your account / Credit Card, you can register for the Bank's SMS Service by registering your Mobile number.
  • Shield the screen and keyboard so anyone waiting to use the ATM cannot see you enter your PIN or transaction amount.
  • Be careful when people you do not know offer to help you at an ATM.
  • If you notice anything suspicious at the ATM you want to use e.g. tampering with the card slot / numbers pad or any suspicious activity around the ATM area, do not use the ATM and report your concern to the Bank immediately.
  • Do not force your card into the card slot or if you feel that the ATM machine is not working properly for any reason, press the “Cancel” key, take your card and report it to the Bank.
  • If your card gets lost, captured or stuck in the ATM, report it to the Bank to block your card immediately.
  • Make sure you get the card back after every transaction only use it at ATMs /Point of Sale (POS) machines in reputed public locations / locations known to you.
  • When using a drive in ATM, keep doors locked and passenger side and rear windows up.
  • While using your card at a POS, ensure that the merchant swipes the card in your presence.
  • Check your account balances and statements regularly to ensure your accounts have not been accessed by anyone else and to identify any unusual transaction(s).
Picture credit

Business: Measuring Customer Satisfaction

NPS-Definition copy

The customer may be categorized as: Promoters, Passives and Detractors

The NetPromoterScore approach calculates your NPS using the answer to a key question, using a 0-10 scale: How likely is it that you would recommend [brand] to a friend or colleague?

Respondents are grouped as follows:
  
  • Promoters (score 9-10) are loyal enthusiasts who will keep buying and refer others, fueling growth.
  • Passives (score 7-8) are satisfied but unenthusiastic customers who are vulnerable to competitive offerings.
  • Detractors (score 0-6) are unhappy customers who can damage your brand and impede growth through negative word-of-mouth.

Subtracting the percentage of Detractors from the percentage of Promoters yields the Net Promoter Score, which can range from a low of -100 (if every customer is a Detractor) to a high of 100 (if every customer is a Promoter).

 

A Core Metric for CEM

Use your NPS as the key measure of your customers' overall perception of your brand. Because NPS is a leading indicator from growth, it provides the best anchor for your customer experience management (CEM) program. Complement NPS with other metrics and insights from various points along the customer journey, and you have a comprehensive, actionable view of your customer experience performance.
 

Trusted by Your Workforce

Straightforward and easily understood by everyone from the corner office to the front line, NPS provides a touchstone for engaging your workforce in your customer experience program.
Source: netpromoter
 

Learning to Control Your Emotions

Learning to Control Your Emotions

Some of us have great control over our emotional responses, and some of us struggle. Doing or saying the wrong thing in the midst of an emotional meltdown could have very negative effects. Say something your boss doesn’t like and you could be out of a job.

Gain control of your emotions with these strategies:

1. Realize that negative emotions simply don’t last. If you’re angry about something right now, you’ll probably be over it by next year, next week, or even by tomorrow. But emotions tend to focus our attention right here and now. We don’t consider the potential long-term consequences that a temporary emotional state can create.
  • Who hasn’t done or said something in the heat of the moment that’s caused great remorse? Your anger, fear, resentment, or other negative emotion will fade quickly enough. Your rash response may not.
2. Examine your emotions. Learn to notice when you’re getting emotional. When you notice yourself reacting strongly, ask yourself why. Try to label the emotion.
  • Analyze why you’re feeling that particular emotion and then admit it to yourself. This way, you can avoid rationalizing your behavior, which is a nice way of saying “lie to yourself.” If you know the real reason you’re feeling the way you do, you’re more able to do something about it.
3. Create space. Many of the challenges created by our emotions could be eliminated if we could just take a moment before reacting. Getting upset isn’t something that happens to us. It’s something we do to ourselves, and some of us are very good at it.

4. Find a role model. Would you take stock tips from a homeless man? Probably not! Learn emotional control from those that maintain their composure regardless of the circumstances.
  • When you find such a person, ask them how they do it. The answers you receive could make all the difference.
5. Find a healthy way to release negative emotions. Our actions can influence our moods. If you’re feeling bored while watching TV, there’s no reason to continue watching TV. Immediately get up and go for a walk. Go to the library and find an interesting book. Call a friend. Exercise is a great way to release energy.
  • You don’t have to passively accept your mood. Go do something else and change it!
6. Try altering your breathing. Many people assume that emotions are entirely psychological, but there is a physical component. Realize that all emotions are ultimately experienced as physical feelings in your body. You’ve just learned to label certain body feelings with names like “anger” and “fear.”
  • The only part of your physiology that can be easily controlled is your breathing. Take a look at how you’re breathing during a strong emotional response and change it.
  • A few ideas you can try are holding your breath for 5 seconds, breathing deeply and slowly for 30 seconds, breathe in slowly and breathe out even more slowly. Think about your breathing and count your breaths. Focus on the physical feeling of the air moving in and out of your body.
If you’re used to being controlled by your emotions, you know that it’s not easy to maintain your composure. But you can choose to respond differently to your emotions and make wiser choices. Negative emotions exist to inform us that something might be amiss. They are not there to control us.

The post Learning to Control Your Emotions appeared first on My Self Improvement Daily.

Inspiration: Uncertainty and Mystry


Image result for uncertainty of life

UNCERTAINTY & MYSTERY
Are Energies of Life.
Don’t let them scare you unduly,
As they keep boredom at bay
And spark creativity.

​​
Always remember

UNCERTAINTY is the only certainty in life

Detachment - My Problem or Just 'A Problem'




When I am patient, in the face of challenges, I find time heals most of the problems. Even for those which I have to work on, patience helps me be cool and collected and helps me easily find solutions, without becoming panicky or upset. Patience also helps me to understand what I need to work on and what I need to leave for time to heal or correct.

Today I will calm my mind before attempting to find solutions. I will look with detachment at a problem, knowing well the solution has to come. I will not consider it as my problem, but just as 'a problem' that has to be worked on.


Picture Source: LifeHack

Inspiration: Past and Present

Image result for better days ahead

 
You can’t change the Past
For the Better
But
Your Past can change you
For the Better.
Let yourself become a Better You
And
You will enjoy better days ahead

What is Happiness?









 

Happiness is when what you think, what you say, and what you do are in harmony. - Mahatma Gandhi

For decades, we've been taught that economic growth and buying more stuff will make us happy. The good news is, there’s a better kind to be happy: It starts with meaningful work, loving relationships, and a thriving natural world.

In the last 100 years, we got very confused about happiness. The way we define happiness drives what we do, what we’re willing to sacrifice, and how we spend our money and our time.

Advertisers spend billions spreading the illusion that more stuff will bring us happiness. And policy makers of all political stripes spread the message that economic growth leads to well-being.
 

Sustainable happiness is built on a healthy natural world and a vibrant and fair society. Happiness comes, through good and bad times, because it starts with the fundamental requirements and aspirations of being human.

The good news is that sustainable happiness is achievable, it could be available to everyone, and it doesn’t have to cost. It begins by assuring that everyone can obtain a basic level of material security.

It turns out that we don’t need to use up and produce the stuff that is supposed to make us happy. We don’t need people working in sweatshop conditions to produce cheap stuff to feed an endless appetite for possessions. We don’t even need economic growth.

Sustainable happiness comes from other sources. We need loving relationships, thriving natural and human communities, opportunities for meaningful work, and a few simple practices, like gratitude. With that definition of sustainable happiness, we really can have it all.


 Picture source

Resolve Conflict


There has probably never been a time where there has been so much fear and conflict across the world, not just across oceans and borders but across the breakfast table. In fact many now prefer conflict to peace, as they become addicted to the actions of anger and aggression, and the adrenaline rush which results. They don't really want conflict to end, in fact, they will say that some conflict is good to get things done and stimulate change. They are not aware that they are killing themselves.
All conflict is simply a symptom of attachment to a position. And as we know, this generates fear, and fear, if allowed to stay, eventually kills it's host.
All solutions are based on detachment or letting go. But that will be difficult until we can see that all possession is an illusion, that we have nothing to lose and that there are no victories in winning.

Dont Fear - Try These Recommendations

By Junaid Tahir Fear is one of the major blocking obstacles against your success. You tend to compromise with your circumstances and prefer to continue your status quo condition because you are afraid of making decisions. Since you lack in courage you cannot move forward in your life with liberty.

On the other hand successful people are those who take risks in life. Successful people understand that taking risks will lead them experience new horizons in their field, will give them more vision and more confidence,  give them wisdom and success by exposing them to more and more challenges and consequently help them achieve their dreams. Such people keep taking new risks in order to achieve what they want to achieve. Whenever there is a doubtful situation they take the next baby step in order to determine whether it is fine to move ahead. In case they fail, they take one step back and re-determine their direction using their analytical skills. 


So if you would like to live a successful life, you must defeat your fears. The reasons for being under the clouds of fear might be because of several doubts or unanswered questions in your mind.  In this article, I have compiled and answered a few of such queries in order to boost your confidence level:

Question: Do I have enough info in making this decision?
Answer: You may or may not have the full information as of now. However you can gather all the facts by consulting the right professionals, by reading books, by discussing with your friends and well-wishers, by posting your questions to online forums, by studying the market and by taking advice from experienced people. Once you have collected all the information, write it on a piece of paper; positive points on one side and negative points on another side. Now read them slowly with full focus. Once done, you are all set for making the decision.

Question: What if I fail?
Answer: Consider the worst case scenario as this gives you inner strength and makes you prepare for it. However if the worst case as per your thinking is a serious disaster then reduce your risks by reducing your goals, your investment, energies, efforts etc. Change some of the points from your original plan and re-asses the worst case.

Question: Do I have the capability to do it:  
Answer: See if you can learn it by reading, training, counseling or brain storming. Believe in your inner powers. List down the capabilities required for a specific task and start polishing yourself in each domain one by one. This might take some time but once you learn and polish your skills you will be able to make wonders in your domain.

Question: What will people say?  
Answer: People will comment any way. It's your life and you have all the authority to do what you want to do in order to achieve what you want to achieve. Don't worry about social factors, instead focus on your plans and decisions. Evil social factors will die their death one by one once you start producing the results. Strengthen your thoughts, avoid the unnecessary criticism and you will be able to set new trends in your domain.

Question: Is anyone else afraid of same thing? 
Answer: Yes everyone is afraid of failures but only bold people make bold moves to accomplish things. Remember, common people see things while they are happening whereas smart people make things happen.

Question: What If I am trapped in tragic Situation:
Answer: To overcome a tragic fearful situation is to think of a genius person and imagine how he would have acted under the same condition. You will definitely get a new idea to try.


Closing my article by emphasizing one more time to throw your fears away, convert your risks into new opportunities, execute your plans and live like an independent and prosperous soul. Your inner confidence, your guts and your will power can make things happen. If others can do it you can do it too so believe in the power of now and go ahead and grab the success.

Some Recommended Articles:


Junaid Tahir is a UAE based Telecommunications Manager. He is a passionate blogger and write articles on wisdom, stress management and leadership. His 130+ articles are available at his personal blog

Explaining Strengths and Weaknesses in an Interview



Explaining Strengths and Weaknesses in an Interview

Nobody is perfect!!

You must remember that nobody is perfect and that this possible employer knows that.

A really great way of telling someone about a flaw is to always add a suggestion of improving that flaw. For example you could say, " I'm always told that I am a bit too slow... but that's only because I want to do the best job I can. I guess you could say I'm a bit anal when it comes to perfection." An employer can only look at that as being a great characteristic, and in no way a negative quality to possess.

Talking about your strengths is a tricky one; you do not want to come across as egotistical. From my interviewee, an excellent answer I like to get is this: " I am very headstrong. I really like to be challenged in my job, and I just want to learn as much as I can in my position. At the end of the day I need to be able to look back on my day and feel good about the job that I've done. I guess you could call it sense of self worth. That's why I always put my all into everything I do."


  • Your strengths should already be noted in your resume and cover letter. Go over them (i.e., the strengths) again with the interviewer.
  • One of my biggest strengths is my communication skills. I work very well with all kinds of people, and understand that everyone has different perspectives about projects and work tasks - so when I work with others I realize that everyone comes to the table with different priorities and objectives. I keep this in mind when I communicate tasks that need to be accomplished with positive reinforcement and awareness of what others are working on.
  • A positive attitude will not differentiate you from the crowd. A good attitude is expected of every employee. Also you should back up what you say with an example. For example, don't just say you have good customer service skills prove it by also telling them how you won a company award or received positive customer comment letters for your good service.
  • My strength is my flexibility to handle change. As customer service manager at my last job, I was able to turn around a negative working environment and develop a very supportive team.
  • Hard worker
  • Punctual
  • Determined
  • Able to prioritize
  • Believe in myself; self-confidence
  • I have the ability to cope with failures and try to learn from my mistakes.
  • I like to work in team and have been an active participant and organizer at several places.
  • One of my greatest strengths I've acquired during my education is good analytical and planning skills. This has always benefited me to set goals and try to achieve them. But at the same time, I'm driven by the thoughts of success.
  • Full commitment to my work
  • Highly energetic
  • Love to learn new things.
  • Having good interpersonal skills
  • Well organized and like to be neat with all of my work
  • A good helper towards those who need it
  • I am a team player and work well with others.
  • I have great communication skills.
  • I am a quick learner. I have great problem-solving skills and am willing to learn new things to get the job done.
  • You should answer with things you "are improving upon," e.g., "I believe I should always be improving upon myself, good or bad." You are answering the dreaded question without looking like an egotistical maniac, and showing the interviewer that you see yourself as a work in progress, trying to better all of your qualities.
  • For your weakness, just pick one that is not going to disqualify you from the job, and then follow up with - this is what really matters - the examples of what you are doing (or have done) to fix your weakness. The most important point here is to show that you learn from your mistakes and your weakness, and you are taking the corrective action to fix the situation - and stress that! For example, if the job does not require public speaking, you can say that your weakness is you are afraid of speaking in front of the public. Then tell the interviewers that you have joined a Toastmaster club or public speech course to overcome the problem. Remind them that when you identify a problem, you actively take actions to correct it, and that is how you do things.
  • Don't try to use a cliche or try to present a strength as a weakness by saying your weakness is that you are a workaholic. No one will believe that answer. Being too emotional will make the recruiter wonder if your interpersonal skills are lacking. Give a true weakness but one of modest size. Shows that you have taken steps to correct the weakness. For example you want to improve your MS Excel skills so you are taking a course on that now.
  • I used to have trouble with procrastinating, now I have learned to write down a list of things that I need to do, and keep a calender to keep track of deadlines. I have found that this not only helps me to finish things on time, but it has also helped me to be more organized.
  • For my weakness, I always say that some people say I'm over-friendly. You can't go wrong with that one. Usually, the person interviewing is like "Oh, that's not a bad thing at all."
  • I'm a little egoistic when it comes to winning things and get a little ruthless too.
  • I lose patience sometimes when I am not in a position to complete the assigned job in time.
  • I have to work on having more patience and giving myself a break, because I always want everything done at once.
  • Tend to go to any limits while helping my friends.
  • I am too focused on my work and I need to find more time to relax.
  • I'm too focused on work and need to develop some after-hours hobbies.
  • I'm a workaholic person and love to dedicate myself to the work I'm doing. But at the same time I forget to keep a balance between other things which I'm trying to improve on.
  • Take whatever is your best quality and also describe it as your worst. It often is, as we are all made up like two sides of a coin. Try it out with different qualities and accomplishments and see how it works. For example ... The best thing about me is that I am able to see the big picture in a situation. The worst thing about me is that I can see the big picture in a situation. This is the best thing because I can remove myself from the emotion of a decision that needs to be made and act accordingly. It is a bad thing because I often can see the conclusion quicker than the other participants in a project and that can cause frustration sometimes amongst them.
  • My strength is my flexibility to handle change. As Software developer at my last job, I was able to turn around a negative working environment and develop a very supportive team. Always turn weakness into a positive. If you lack experience or skills for example state this but also state that you are willing to learn, or that it is an area which you would like to improve on.

    Example 1:
    "I do not have much experience with customer service, but I would like to gain experience in this area. I get along well with people, I am able to listen and am a good communicator so I feel that I would get on well in a customer based environment."

    Example 2:
    "I am not too experienced with computers, but I am always willing to learn new skills. I have used computers a little in the past and this is one area which I would like to improve on. I am usually very quick at picking up new skills especially when it is something that I need to learn."


    Notes on interviewing
  • This question unfortunately has become a staple in the interview process and is an easy way out for an interviewer who can't think of any other questions. The reason this is a bad question is simply this: If someone has a weakness that could jeopardize his chance of getting the job, he will never reveal it. So the only answers that this question receives are false answers intended to placate the interviewer. A good interviewer won't ask this question. I'm always tempted to answer this way: "Mr. Interviewer, I always have a hard time with that question. What would your answer be to the question?"
  • A good interviewer wouldn't dream of asking someone this question. As the interviewer, you will not get truthful answers from the weakness part of the question, and as the interviewee, you can end up coming across as egotistical and boastful when answering about your strengths. A good interviewer shouldn't want to make you uncomfortable.


Answer Sample

"My strengths are my ability to be flexible; I've seen companies go through changes in structure and management philosophy. I've had to adjust my style to the new environment several times. My weakness is my tendency to over-work so I pace myself now."
The key is to turn the weakness - a negative character trait - into something positive.

 

No trick: Honesty is the best policy

Whatever you do, tell the truth. While there are certainly answers that interviewers prefer to hear, it has to match reality. Why? First, it's generally not good to get hired for a job that you're not matched well for. If you like new, exciting, dynamic situations but you're looking for a job on an assembly line, you're not going to be happy; saying that you like repetitive work doesn't make sense. Second, any good interviewer will check your references. If your answers don't match what they hear, you're almost certain to lose the chance for job.
Don't ever list as a weakness the following: "I take on too many things and work to hard, and just don't know where to stop." It's a cliche, completely transparent, and I can tell you that it rarely makes the desired impression.


 


Another opinion

This question is usually asked by prospective employers from candidates applying to them for employment. To answer this question the following procedure should be helpful:
1) Find out what nature of work "the team" in question does.
2) Assuming you are interested in that type of work, list what formal training courses you have taken and qualifications acquired in that field or a related field. Next, mention whatever practical experience you in the field. List any relevant worthwhile achievements you have made. Such specifics will carry lot of weight.
3) As a general plus point, say that you are a team worker and get on well with others, if you feel this is true.



 

An interviewer's perspective

I ask this question and whenever I get an answer like "I work too hard" I know I'm dealing with somebody that I can't really trust, and that I'm going to have a hard time developing an open and honest working relationship with. And I know that I still don't know the person's other weaknesses.

At least with me, an interviewee has a much better chance if I think he or she is honestly telling me about a weakness. And then I can decide whether or not I can work around that weakness. One person told me that he needs fixed deadlines because otherwise he keeps finding additional things to add and it's hard for him to finish the project. I decided this was something I could live with and I hired him. We all have weaknesses. And if you think you're going to outsmart me with nonsense or evasion, you're hurting your chances with me.

Note: There are comments associated with this question. See the discussion page to add to the conversation


Doctors Looting People In the Name of Health

By Junaid Tahir,
 
Recently a news has been published in an Indian newspaper according to which some renowned doctors have resigned from their posts in New Delhi. The reason being, their CEO or CFO have  been pushing them to increase hospital earnings through following approaches:

  1. Converting the minor injuries cases to Operational Procedure. Needless to mention, when a patient undergoes a surgical procedure, the hospital earns huge money in comparison to what the patient pays for the normal consultancy fees.
  2. Extending the duration of  in-patients' stay in hospital so that earnings of hospital can be increased as a result of medical and general facilities provided to the patients for the extended time.
  3. Start the diabetes medicines for the people who are on the verge of developing diabetes, whereas there is a huge possibility that the patient can recover by exercise or diet changes.
  4. Giving costly medicines (such as antibiotics/BP control/anti-acids etc.) even if the customer may only need anti-allergy or basic off-the-shelf medicine.
  5. Creating emotional situation to convert normal pregnancy cases to procedural deliveries.
  6. Prescribing costly medicines (as doctors and hospitals get percentage based commission for each medicine sold). 
The whole purpose here is to draw your attention to the fact that medical profession has turned into huge money-making business. The patients are treated as money-making machines.  Huge amount of revenue is generated with above mentioned tricks/approaches.
So here are some recommendations;
  1. Before you visit your doctor, do a little online research about your symptoms. (You may have an instant issue which could heal itself in a week time automatically). Yes, your body is capable of fighting a lot of diseases naturally.
  2. Ask the doctor a lot of questions about your symptoms giving him the message that you have the proper back-ground knowledge, so he won't be able to deceive you.
  3. Ask the doctor if you can bypass the medicines or use minimal dosage of medicines to recover.
  4. If the doctor prescribes you a lot of medical tests, ask him the reasoning for each test on how important this test is?
  5. If the doctor concludes that you have a specific disease such as high BP, Diabetes, heart issue or any other chronic disease, then do consider taking second opinion to be sure about it. Trust me, visiting a second doctor gives you a lot of exposure about your health concern and enables you to have better decision on what needs to be done for recovery. 

With the hope that respective ministries and authorities are setting strong mechanisms to eradicate and minimize this issue, you need to know that your health as well as your money are very precious, hence do not let anyone play with or steal your valuable possessions at any cost. 
Wishing you the best of health, a happy and healthy body, mind and soul !

 
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10 Reasons You Become Unattractive And You’re Not Aware of It

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