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November 9, 2016March 29, 2020

RBI FAQ Over Recent Announcement Made By Modi

Modi Announced to Ban Old Currency of Rs. 500 and Rs. 1000 on an urgent basis. People are countless what to do with the save money they are having at their residential and work places. Here are some of the RBI FAQ or frequently asked questions being answered by RBI to facilitate the people with the liquid money.

Read the whole information carefully without investing and using your hard earned money.

1. Why is this scheme?

The incidence of fake Indian currency notes in higher denomination has increased. For ordinary persons, the fake notes look similar to genuine notes, even though no security feature has been copied. The fake notes are used for anti-national and illegal activities. High denomination notes have been misused by terrorists and for hoarding black money. India remains a cash-based economy hence the circulation of Fake Indian Currency Notes continues to be a menace. In order to contain the rising incidence of fake notes and black money, the scheme to withdraw has been introduced.

2. What is this scheme?

The legal tender character of the notes in denominations of Rs. 500 and Rs. 1000 stands withdrawn. In consequence thereof withdrawn old high denomination (OHD) notes cannot be used for transacting business and/or store of value for future usage. The OHD notes can be exchanged for value at any of the 19 offices of the Reserve Bank of India or at any of the bank branches or at any Head Post Office or Sub-Post Office.

3. How much value will I get?

You will get value for the entire volume of notes tendered at the bank branches / RBI offices.

4. Can I get all in cash?

No. You will get up to ₹4000 per person in cash irrespective of the size of tender and anything over and above that will be receivable by way of credit to a bank account.

5. Why can I not get the entire amount of cash when I have surrendered everything in cash?

The Scheme of withdrawal of old high denomination(OHD) notes does not provide for it, given its objectives.

6. ₹4000 cash is insufficient for my need. What to do?

You can use balances in bank accounts to pay for other requirements by cheque or through electronic means of payments such as Internet banking, mobile wallets, IMPS, credit/debit cards etc.

7. What if I don’t have any bank account?

You can always open a bank account by approaching a bank branch with necessary documents required for fulfilling the KYC requirements.

8. What if, if I have only JDY account?

A JDY account holder can avail the exchange facility subject to the caps and other laid down limits in accord with norms and procedures.

9. Where can I go to exchange the notes?

The exchange facility is available at all Issue Offices of RBI and branches of commercial banks/RRBS/UCBs/State Co-op banks or at any Head Post Office or Sub-Post Office.

10. Need I go to my bank branch only?

For exchange up to 4000 in cash, you may go to any bank branch with valid identity proof.

For exchange over 4000, which will be accorded through credit to Bank account only, you may go to the branch where you have an account or to any other branch of the same bank.

In case you want to go to a branch of any other bank where you are not maintaining an account, you will have to furnish valid identity proof and bank account details required for electronic fund transfer to your account.

11. Can I go to any branch of my bank?

Yes, you can go to any branch of your bank.

12. Can I go to any branch of any other bank?

Yes, you can go to any branch of any other bank. In that case, you have to furnish valid identity proof for exchange in cash; both valid identity proof and bank account details will be required for electronic fund transfer in case the amount to be exchanged exceeds ₹4000.

13. I have no account but my relative / friend has an account, can I get my notes exchanged into that account?

Yes, you can do that if the account holder relative/friend etc gives you permission in writing. While exchanging, you should provide to the bank, evidence of permission given by the account holder and your valid identity proof.

14. Should I go to the bank personally or can I send the notes through my representative?

Personal visit to the branch is preferable. In case it is not possible for you to visit the branch you may send your representative with an express mandate i.e. a written authorisation. The representative should produce authority letter and his / her valid identity proof while tendering the notes.

15. Can I withdraw from ATM?

It may take a while for the banks to recalibrate their ATMs. Once the ATMs are functional, you can withdraw from ATMs up to a maximum of ₹2,000/- per card per day up to 18th November 2016. The limit will be raised to ₹4000/- per day per card from 19th November 2016 onwards.

16. Can I withdraw cash against cheque?

Yes, you can withdraw cash against withdrawal slip or cheque subject to the ceiling of ₹10,000/- in a day within an overall limit of ₹20,000/- in a week (including withdrawals from ATMs) for the first fortnight i.e. up to 24th November 2016.

17. Can I deposit withdrawn notes through ATMs, Cash Deposit Machine or cash Recycler?

Yes, OHD notes can be deposited in Cash Deposits machines / Cash Recyclers.

18. Can I make use of electronic (NEFT/RTGS /IMPS/ Internet Banking / Mobile banking etc.) mode?

You can use NEFT/RTGS/IMPS/Internet Banking/Mobile Banking or any other electronic/ non-cash mode of payment.

19. How much time do I have to exchange the notes?

The scheme closes on 30th December 2016. The OHD banknotes can be exchanged at branches of commercial banks, Regional Rural Banks, Urban Cooperative banks, State Cooperative Banks and RBI till 30th December 2016.

For those who are unable to exchange their Old High Denomination Banknotes on or before December 30, 2016, an opportunity will be given to them to do so at specified offices of the RBI, along with necessary documentation as may be specified by the Reserve Bank of India.

20. I am right now not in India, what should I do?

If you have OHD banknotes in India, you may authorize in writing enabling another person in India to deposit the notes into your bank account. The person so authorised has to come to the bank branch with the OHD banknotes, the authority letter given by you and a valid identity proof (Valid Identity proof is any of the following: Aadhaar Card, Driving License, Voter ID Card, Pass Port, NREGA Card, PAN Card, Identity Card Issued by Government Department, Public Sector Unit to its Staff)

21. I am an NRI and hold NRO account, can the exchange value be deposited in my account?

Yes, you can deposit the OHD banknotes to your NRO account.

22. I am a foreign tourist, I have these notes. What should I do?

You can purchase foreign exchange equivalent to ₹5000 using these OHD notes at airport exchange counters within 72 hours after the notification, provided you present proof of purchasing the OHD notes.

23. I have emergency needs of cash (hospitalization, travel, life-saving medicines) then what I should do?

You can use the OHD notes for paying for your hospitalization charges at government hospitals, for purchasing bus tickets at government bus stands for travel by state government or state PSU buses, train tickets at railway stations, and air tickets at airports, within 72 hours after the notification.

24. What is proof of identity?

Valid Identity proof is any of the following: Aadhaar Card, Driving License, Voter ID Card, Pass Port, NREGA Card, PAN Card, Identity Card Issued by Government Department, Public Sector Unit to its Staff.

25. Where can I get more information on this scheme?

Further information is available at the website (www.rbi.org.in) and GoI website (www.rbi.org.in)

26. If I have a problem, whom should I approach?

You may approach the control room, of RBI by email or on Telephone Nos 022 22602201/022 22602944

Source: Reserve Bank of India

August 1, 2016April 11, 2020

How to Celebrate Friendship Day – Some Ideas

We all know friendship day is a day of close and true friends when they spend their quality time together. Let’s celebrate International Friendship Day on every first Sunday of August in each year to dedicate the same towards true friends. Now the question may arise – how to celebrate friendship day?

So take a look to have an idea of celebration:-

Start a day with warm wishes

Friends are forever but friendship day comes once in a year. So take out your mobile phone, drop a message or call him or her immediately to wish with a right gesture. If you have a group of common friends, better to arrange for a group calling and share your talks together with others.
You may write a special note or share sweet songs to honor them and to show how special they are.

Friendship Day Band

Of course, the most common yet old method of celebration. We still remember the school days when we used to prepare handmade bands or buy the same from the market and tied the bands on friends hands. Time is still not changed, though the band style may change to the bracelet which is versatile in nature. As a symbol of the band, you can gift another form of jewellery which is mostly liked by your friends.

Gift Exchanging

Friendship is nothing like formality yet exchanging small gifts will never harm you, in fact, gives a warm pleasure to your friends. As a gift, you may opt for the photo frames consisting your pictures, homemade gifts, pens, notebook, wallets, or other which is mostly liked by your friends or willing to buy. Due to lack of time, one may not be available to buy the things directly from the store, so you may opt for the online gifting store in India which will be delivering the desirous gifts at your friend’s doorstep.

Spend Quality time together

No excuse will be given of lacking a time. Reason being, friendship day falls on Sunday on which everyone is free to move out. It would be blasting to spend time together with some unique ideas like:

Go for the shopping altogether
Have a dinner or lunch
Go for a movie
Can go for the adventurous or entertainment place to gather sweet memories
Can go for the long drive

One may opt for the nearest place to roam around and to celebrate the friendship day in a promising way to make the day more special. One need to spare some hours for friends out of the busy schedule.

Enjoy day with the booming party

Youngsters are quite keen to have blasting fun so they prefer to throw a party at the disco or some loud place. Make a plan, choose the wise place and throw a party. You may make it more special by designing creative invitation cards, welcoming friends with warm hugs, arranging music sessions and dancing, and speaking out from your hearts.
Try to avoid alcohol or other things which may ruin your day or harmful for your body physic.

Best Friendship Spirits Forever

Do not take it as a day only, just cherish the whole years with the true spirit of friendship. Help them at the time of need, share your experiences, be true to your friend, do not hide things related to them, Encourage them to do well, be in touch always and keep on visiting on a random basis.

Celebrate the international friendship day on first Sunday of every August in each year with no excuse of a busy schedule. Have a joyful day, avoid your conflict with the direct communication and build a healthy relationship. Happy friendship day guys!!

July 31, 2016March 29, 2020

Friendship Day – A Festive for True Friends

What is friendship day? Why is friendship day celebrated? When is friendship day celebrated? There are too many questions running in the mind of people or youth like us. Some say it is just a day like others, some try to elaborate with the most promising resolutions towards friends. Actually, friends are the most important part of our life, as friends make us feel better, make us laugh. We can share anything without thinking too much or without getting worried. If friends are such a blessings, so we should make a celebration for their existence in our life.

What is Friendship Day?

We celebrate the Friendship day to dedicate the day to our special friends and companions to cherish the special moments, explore the best part of the relationship, and to tell them how special or important they are in our life.

Why is Friendship Day celebrated?

There are too many stories behind the celebration of friendship day, though there is no fixed reason has been found till now. Still following points may elaborate the importance of Friendship Day:

It is first started when the US congress declared the first Sunday of August as friendship day in 1935 and eventually celebrated each year.
Winnie the Pooh became the ambassador or friendship in 1997
One can feel True friendship in the old testimonial of the bible, where Abraham is referred as a friend of God.
One can feel the true friendship with the real emotions of Shri Krishna towards Arjuna in Mahabharata.

Above mentioned are the live resemblances paying tributes towards true friendship.

The idea of celebrating the friendship day is formally caught up by the youngsters only and now, it is celebrated in whole countries. Though the idea is being taken in light by the US country, but later, every country adopted this as a tradition which is good for the healthy relationship among several countries. Now it is celebrated as the international friendship day to motivate others to forget complications and to strengthen the relationships.

When is Friendship Day celebrated?

Presently, friendship day is celebrated all across the globe as a national day. Some socio-cultural organizations are celebrating the national friendship day enthusiastically on every first Sunday of August in each year. They host the program or events, invites coworkers, make some performance, enjoy with dinner and food to create a healthy atmosphere of get-together.

Though there is no fixed rule on how to celebrate the friendship day, yet people love to celebrate the day with too many creative ideas. It includes – sending messages and giving warm wishes through greetings cards, exchanging gifts, organizing a party, giving surprise visits, tagging them with the special notes and expressing how they matter in their life, cutting cakes, gifting friendship day bands, etc.

Whatever the mood is, we at blog vertex would like to give a message to all the youths, – celebrate friendship day from a heart, not as a formality. Friends are the precious gifts which are chosen by you only, so choose them wisely. Praise them but criticize them as well in case of mistakes. Make them understand. Be a wellwisher always and stop them for any unethical performances. Do good, be good. Happy Friendship day to all!!

July 31, 2016March 29, 2020

Best Home Based Jobs Idea to Earn Extra Income

It may not be possible to run a family with the fixed salary job in this cutting edge country. Time has gone when male partner used to earn for the necessary things and female partner stays home to perform household chaos. Now the competition is tougher than ever, so one another need to find the home based job to run the family smoothly and to save for the future life. Here I am listing the best home based earning ideas with low or no investment based on the research and experiences.

Note: These are just ideas yet everyone has his or her won skills to start their own. The home based ideas are common for both males and females

1. Blogging:

Being a blogger, I would like to start your blog if you are good in writing or having an interest in the same. Blogging doesn’t mean, you must have specialization is particular subject. While blogging, you may share your own ideas or may write on the basis of your experiences. You may follow others and share their ideas in a more simplistic way, yet copying their contents may be illegal. Once your blog gets famous, you may invite advertisers to advertise on your blogs. There are too many paid campaigns or alternative option of Google Adsense, to earn through per click or through regular way. You may encourage affiliate marketing by writing and promoting their products or services.

2. Paintings

I have seen many peoples who are keen artists or have good imaginative skills through which they can draw their imagination on paper with the colors. It is an easy way to explore your capabilities and you may sell those painting in the market, to retainer or wholesalers or you may call for the exhibition to invite high-profile gathering to earn a huge amount. Apart from the creative painting, some semi designed paintings are also available in the market, coloring and framing the same help you to earn excess income.

3. Tuition Services

Of course, the common yet less investment task. Every educated person may call for the needy students to provide subject specialist classes. One may join the nearby coaching centers to provide teaching or tutoring services, although home based tuition services are much popular nowadays with the perspective of students and tutors. Tutors may earn extra income and students may save time while getting teaching services at their home.

4. Freelance Contents Writing

Blogging is another part then content writing. Due to emerged of digitizations, people are going for designing websites or getting promoted the same. To admire effective results, they are in high need of contents. So working as the freelance content writer, one may earn potential income and may grasp more knowledge about the market.

5. Aerobic Classes

If we are not good in writing or communicating with others, better to opt for the business which has no loss still enhance your body immunity. I have females learning aerobic classes and later providing the same aerobic classes with charging a certain amount of fees. Go for aerobics and be flexible

6. Dance Classes

Again the most common yet demanding business, everyone love to dance and want to learn dancing but it may not be feasible to find out the dance teacher nearby. Better to opt for delivering dance classes with a music system and huge hall.

7. Babysitter or Child-Care

Working women are not able to handle jobs and their children altogether. So they prefer to hire some babysitters to take care of their small children. This job may be hectic but it is also an easy way to earn extra income. Children lover will surely love to perform this work.

8. Playschool

If you have extra land or property, you may start your own small play school with the less investment initially. Slowly and steadily, it may turn into high profitable business once the kids are getting enrolled for the same.

9. Massage or Spa Services

Metropolitan cities prefer to call for massage or spa services at their doorstep only. Though this work is taken low profile jobs yet not much educated girls or boys seeking for the extra income may get easy money with some countable visits. Leisure is what every high profile people expects.

10. Beauty Services

Who else do not want to look beautiful? Whether a working woman or a housewife calls for the beauty services at home. If one is proficient in professional and personalized beauty services, may provide so doorstep beauty services like, threading, manicure, pedicure, head massage etc. or may open your own salon.

11. Tailor or Boutique Work

I have found many women running their families with the boutique services. You may open your boutique at home only or hiring a shop and may invite customers to fulfill their clothing needs.

12. Gardening

If you are gardening lover and have knowledge about agriculture, you may run your own nursery for gardening activities. People always seek for the fine plantation to provide right oxygen and green surroundings.

13. Yoga Classes

Though yoga can be learned through online videos and through TV channels yet, people find a way only if they pay for the same. They usually do not spare time for the things which are received free so yoga classes may nurture your health and source of income altogether. One may promote the same through social networking sites to gather more audience.

14. Car Wash

You may open up a center for car wash cleaning or you may offer doorstep cleaning services at low prices, this may also proof as a regular source of income due to high usage of cars and four-wheelers

15. Carpooling Services

One of the new ideas launched with the help of online apps like Ola, Uber, etc. They are motivating car holders to utilize their vehicles at the free time. I got this idea through my personal experience as people provide carpooling services on weekends or at their free time.

16. Renting

If you have extra stuff like property, extra rooms, bikes, cars, electronic devices like AC, Cooler etc, you may rent the same till you have no usage. Lying things at home will be useless, rather let it use by other with some fixed charges.

17. Designer or Developer

After passing engineering, IT professionals may place for good jobs. These jobs may not be high paying jobs so they may acquire freelance work of designing the websites, developing applications etc depending upon getting their skills. They may get better amount with one project. A graphic designer may opt for the logo, creative designs.

18. Photocopying or Printing services

If you have spare time and have some amount to invest, you may buy photocopying matching including printing as well, and may establish the same nearby schools, offices and may seek for the photocopy and printing services.

19. Gift Wrapping or Packaging

A family having a wedding, or birthday or other function may not have sufficient time to pack the return gifts. So one may think an idea of handling the home based work of gift wrapping, packing the shop items or in creative ways like the basket, net wrap etc.

20. Tiffin or Catering Services

Educated women may not be able to do anything but surely, she must be a good cook. She can utilize the same skills to enhance her source of income with less investment.

21. Event Planner

Birthday planner, wedding planner, corporate event planner, theme party planner are some keywords we hear nowadays. Now a fashion reached of hiring a consultant who will take care of the whole function till farewell from the invitation. A creative and extrovert person may opt for the same.

22. Bookkeeping

With the emerge of accounting software, not everyone goes for hiring full-time accountants or bookkeeping assistants, so there is a trend of hiring a part-time bookkeeping Assistant arranging the accounting papers within a visit. A commerce graduate may opt for this opportunity.

23. Direct Sales or Tele-calling

Startups are not able to hire full-time business development executive so they prefer to hire the people having communication skills and can work through a home. It would help you to gather more data and to get some regular income in the form of commission etc.

24. Virtual Assistant

Every business person needs a help for small things so hiring a virtual assistant will fulfill their regular demands of hotel reservations, traveling, answering phone calls, passing messages, handling business papers and all.

25. Editor

If you bachelor’s or master in English and excellent in communication skills, you could also work as an editor or proofreader for the content writing firms and corporate companies.

26. Typing Jobs

One may seek for data entry or simple typing, or translating jobs which may help you to get some part time income.

27. Recruiter or Resume Writer

If you have the ability to analyze the candidate or to rewrite the professional resume then be into human resource activities. You may be performing numerous roles like negotiating salaries, interviewing, recruiting, and filling the targets.

28. Freelance SEO

Online promotion is in trend as everyone wants to promote their online venture. Opt for the freelance Seo services. A person having internet and computer knowledge may learn this skill through professional Seo institute offering theoretical and practical aspects.

29. Social Media Promotion

An active social media user may help to boost the post or campaigns effectively. These sites may be Facebook, Twitter, LinkedIn, Instagram, and others.

30. Laundry

We found students and employees coming through the far cities so they are not good at doing domestic chaos by their own. Opening laundry business will facilitate them with the cloth cleaning and ironing things.

31. Selling Through Home

You start with the jewellery, clothes, grocery things, gift items etc. and can sell the things to nearby areas and to neighbors. This may require some amount of investment yet start with a less amount may helpful to grow the same and to earn much more.

Home-based activities or source of extra income completely depend on your skill and capabilities. You just need to know you strength and take a start of your venture with less or no income

July 26, 2016March 29, 2020

✅ Top 10 Hill Stations to Visit in India🇮🇳

It could be a most challenging venture for any traveller to decide upon an excellent hill station in India for touring, trip, honeymoon or revel in journey routine in India. Nevertheless, there are numbers of prime noted hill stations across India for enjoying vacations during any season, both in summer or wintry weather.

So with this journey web publication, I am going to share the list with the transient info of all time most noted and fine hill stations in India. I will also propose you which are the first-class time to journeying these gorgeous hill stations throughout the 12 months. Nonetheless, the record is simply too long, but I will speak about best prime 10 hill stations which are not only bigger admired even additionally it is on a top in on-line searches. Just check it out- Wonderful Hill Stations in India for Honeymoon

Shimla

There is not any doubt Shimla is likely one of the most visited hill stations of India near Delhi. It is first-rate identified for cold climate, snow-covered mountains, ordinary valleys and an ideal situation for participate in more than a few adventurous sporting activities and hobbies on the top of white Himalaya. Shimla is the nice hill station to revel in thrill expertise of journey physical games like ice skating, trekking, mountain climbing, paragliding and fishing,skiing, river rafting. So in the event, you’re watching for all these activities in your subsequent hill station travel.

Kullu -Manali

Manali is just not only one of the crucial excellent romantic areas for the honeymoon in India. But also it is, without a doubt, one of the pleasant high ten hill stations of India for journey freaks. Manali offers the whole lot what a visitor can assume or a high hill station can supply! That’s why peoples in India known as Manali as Switzerland of India.

Darjeeling

Darjeeling, some of the special hill stations in India surrounded via Mount Everest & Kanchenjunga, gigantic Himalaya, favorite choice amongst honeymooners, and well known as the Queen of hill stations. It is likely one of the first-rate stop for mountain sporting activities and journey prompts in northeast India.

Leh/Ladakh

Leh, the capital of Ladakh, is essentially the most rising hill station and one of the vital attractive traveler locations in India. You can guess in regards to the frame of Ladakh hill station should you check the details on the web, Ladakh tour is bigger famous and its popularity is growing daily. Travelers not only coming near from India but in addition come for the entire world for experience essentially the most adventure movements & forte of this awesome location.

Shillong

Shillong referred to as ‘Scotland of North-East’, It is capital of one of the vital smallest and most stunning state of India, Meghalaya, which is noted for easy, calm, breezy and pollution free hill station surroundings with first-rate waterfalls, pine tree woodland, putting lakes, lush inexperienced mountains and well-known as India’s first-rate golf direction. Which you could enjoy unrestricted movements in Shillong, like –River Canyoning

Sikkim

Sikkim, one of the high endorsed hill stations across India and paradise to be used up vacations. It is second smallest & low populous state of 2nd most populous nation India. As it is rather smallest state examines to every other state of India but compete with all noted areas when it comes as a tourist spot. It’s blended with most stunning and unexplored hill stations in India.

Nainital

Definitely, Nainital is the highest visited, higher rated, and some of the excellent hill stations in north India. A metropolis of lakes which presents an unmatched allure of usual beauty, dreamy weather conditions, flora valley, really good lakes, amazing water exercises & rides, most romantic traveler areas, first-rate hill hotels, tons of adventure & fun hobbies like yachting, kayaking, parasailing, horse riding, and wild safari tour in Jim Corbett country wide Park. Natural beauty can be found only here.

Ooty

Ooty, located at Nilgiri Hills in Tamil Nadu State, one of the vital ultra-modern hill stations in south India. It is blended with untouched ordinary beauties like an inexperienced valley, lakes, rocks, waterfalls, view-point, tea gardens, and the highest noted Nilgiri Mountain Railway which is the foremost core of enchantment of Ooty tourism.

Western Ghats

The best collection of top stunning hill stations blended with wonderful mountains, peaks, ecoregions, rivers, lakes, and reservoirs. Even Western Ghats is a UNESCO World Heritage website online & one of the eight ‘most up to date hotspots‘ of biological diversity on the planet.
It’s higher to seek advice from Wikipedia to grasp all about the Western Ghats. One will find answers to your queries related to the Western Ghats.

Mount Abu

Placed in the Aravalli, variety of royal state Rajasthan, and really nearly New Delhi by way of teaching/street; Mount Abu is essentially the most visited hill station of north-west India. It’s surrounding with the aid of lovely lakes, Aravali woodland hills, ancient forts, hidden picnic spots, high classification lodges & lodgings, different religion temples (Jain & Hindu). The antique architecture of the town of Rajasthan is the essential center of attractions to visit in Mount Abu hill station.

List not ends here. We are working hard on making research and to figure out the best destination to visit or explore.