Financial tips

I am sharing some financial quotes  which I found online. May these help atleast some.

HAPPY VINAYAKA CHAVITHI

May Lord Ganesha bring in cheers and happiness into the lives of one and all.

Happy VINAYAKA CHAVITHI to all the Postal Staff of Karimnagar Postal Division.

7 Small Habits to Help You Handle The Overwhelm of Working and Living in the Digital World

Life today is quite different compared to when I was a kid in the 90’s. Back then I had a TV with just a few channels and later on a Nintendo videogame. That was it.

Today many of us have smartphones that we use to browse the internet, to work and to play games. We spend a many hours in front of computers and a part of our day is often spent online.

There is so much information these days. So many potential distractions and sources that seem to have made people more stressed, overwhelmed and unhappy than they were in the past.

Working and living in this age isn’t always easy.

So this week I’d like to share 7 habits that help me to keep my attention on what truly matters – both at work and in my private life – and at the same time minimize stress and overwhelm.

1. Shut off notifications.

To find focus the first simple thing to do is to shut off notifications in:

• Your email client.
• Messaging programs.
• Social media and gaming apps.

Then get back to what truly matters without those pings hanging over you and distracting you.

2. Keep your smart phone far away for quality time/work.

The simplest way to not be distracted all the time by your smartphone is to put up small obstacles so you don’t have that easy and tempting access.

Here’s, for instance, what I do when I work:

• I put the phone in silent mode.
• I put it in another room at the other end of our home.
• Then I check it a few times a day for calls and text messages.

We often do the same thing during the evenings and weekends to make sure that the time we spend together is quality time and not time spent being distracted.

3. Unplug or use an app to keep your focus on what matters.

When I write a new article or work on a course then I usually do that disconnected from the internet.

If that’s not possible for you then try a program or browser addon like for example StayFocusd or Cold Turkey Pro to temporarily block the sites where you know you tend to procrastinate and waste too much time.

4. Disconnect over the weekend.

Stay away from work and offline over the weekend. Leave your work phone at your job.

If that’s not possible keep things to a minimum:

• Leave that work phone in silent mode and check it just every 24 hours over the weekend.
• Do a quick 2 min check of email once a weekend (that’s what I do).
• Reply only to the calls, texts and emails that are very important. Otherwise, let them wait until Monday.

5. Focus your information inflow.

Ask yourself:

• What email newsletters in my inbox have I actually read and gotten something good out of in the past 30 days?
• What podcasts I have listened to that have given me value in the past month?

You can ask yourself the same questions for magazines, blogs and forums and so on. Then take 5-15 minutes to unsubscribe to the ones that just clutter up your inbox, smart phone, bookmark list and shelves.

Time is limited. So is your attention.

So use both of them in a way that enriches your life and that focuses on only the best information sources. This very simple exercise can be surprisingly effective to get rid of mental clutter too and think more clearly again.

6. Stop comparing your life to someone’s high-light reel.

When you start comparing yourself and your life to what old classmates, friends and celebrities share on Instagram or Facebook and you each day see how perfect and wonderful their homes, kids, work and lives are then that can create a lot of stress and erode your self-esteem.

So what can you do if you get stuck in this habit?

• Remember that what they share is usually just the high-light reel of their lives, the most positive moments. The other stuff that is a part of life happens too, you just don’t see it.
• Focus on comparing yourself to yourself instead. See how far you have come, what you have learned and what you have overcome.

7. Remember the 5 little words for sanity: One thing at a time.

When you’re feeling overwhelmed by all the tabs open in your browser or missed messages, when you’re distracted by something while trying to have quality time with your loved ones and when the stress is starting to build up remember those 5 little words.

Breathe and let them help you to connect with this moment and with simplifying things. Use them to slow down, to find clarity in what you need to do and to resharpen your focus and attention once again.

A step-by-step guide on how to use BHIM app?

A step-by-step guide on how to use BHIM app?

Here’s a step-by-step guide on how to use the BHIM app:

1. Android users can download the application from Play Store by searching for ‘BHIM’. The app is not available for iOS users yet.

2. Install the application and choose your language. The app will prompt you to verify your phone number using an SMS. Click on Next and wait for the verification process to be completed.

3. Once the verification is complete, input a four digit passcode.

4. After a passocode is set, the app will ask you to select your bank. Once the bank is selected, the app automatically picks up your details using your phone number. Select the primary bank account that will be used for all your transactions.

5. The app displays three options — send, request and scan/pay. Transactions are possible only between verified phone numbers.

6. To send money to someone, type in their phone number and the amount to be transferred. The app will prompt you to input your MPIN, usually a four or a six digit code that authenticates a mobile transaction.

7. Likewise, you can request money from someone, using their phone number.

8. The third option, scan & pay, allows users to transfer money using a QR code, a two dimensional black and white barcode which can be decoded by a smartphone or a tablet. Each phone number is assigned a QR code which can be accessed under profile on the home screen.

India Post Payments Bank Scale II, Scale III & Scale V Online Exam Call Letters out

India Post Payments Bank Ltd (IPPB) has released the Call Letters for IPPB Scale II, III and V Recruitment Online Exam 2016. The online examination for the above mentioned posts is scheduled to be held on 17th December 2016. Check below for more details.

Call Letters : Click Here

Information Handbook : Click Here

Important Dates

Commencement of Call letter Download : 01-12-2016

Closure of Call letter Download : 17-12-2016

No Official Should Be Compelled For Duty On Sundays On Holidays Only Willing Officials May Be Deployed : DoP

Simplified Working Procedure of BPCOD / EPCOD and SPCOD articles in Delivery Post offices

BPCOD/EPCOD 

1.      Receive the Parcel Bag in Postman Module and open the bag.

2.      The parcel must be received as BPCOD/EPCOD. 

3.      Check the message file in Invoicing Cod Article Article for delivery.

4.      If message file is not available, then log in as Super, in Tool Manuàl Request for COD message File. Scan the Article, and run the R-Net Communication.

5.      The message file of the concerned COD should be available within 7 Days of the receipt of the COD Parcel. 

6.      If message is available, then first serve the intimation slips through the Postman.

7.    The Parcel may be kept in Windows deposit or may be delivered through the Postman according to the limits prescribed for Postman. 

8.      If the parcel is delivered, then take return as DELIVERED, receive the amount in the Treasury Module, Verify the same by the Supervisor in submit account. 

9.      Then check the amount received by the Treasurer by viewing the Daily Account.

10.  Run both the R-net Communication and e-Payment communication to transfer the amount to the Biller. 

11.  If the parcel is refused or un-claimed then return back the COD with suitable remarks and dispatch the parcel in the Despatch Module.

12.  For BOs, the Sub Account PA should enter the COD amount under the respective Heads while doing the BO Daily Account Data Entry.

13.  If the COD is returned by the Branch Offices, then return should be taken and COD should be returned in the Despatch Module. 

14.  If there is any ambiguity in Amount written and Amount appeared then, the said COD should be returned. 

What will happen, if the message file is not received:--

1.      If the message file is not received after 7 days of receipt, and the Costumer wishes to take the COD Then -

2.      Make the article delivered to the Costumer and collect the prescribed amount.

3.      Track the COD in India Post web site, not down the Booking office details.

4.      Now the amount received from the Costumers need to be remitted only to the Booking office by Service EMO. 

5.      In the message space, enter the COD Number, Booking Date, Amount and Biller Name. 

6.      Write down the details in the COD register maintained in your office. 

7.      Log in as PA in Postman Module, Tools - Parcel COD disaster - Select the COD, enter the EMO number, amount, Date of booking and Remarks as Delivered. 

8.      Login as Super in Postman Module, Tools - Parcel COD Disaster Verification, Verify the COD. This will update the delivery status of the COD in the Web Page. 

9.      The Manually returned articles are also need to be entered in the COD disaster with the Remarks as Undelivered. 

Two separate Registers should be maintained one for BPCOD and another for SPCOD. The disposal of all the COD Parcels should be entered in the register for future references.

Working Procedure of BPCOD/EPCOD and SPCOD articles in Delivery Post offices. 

1.      Receive the SPCOD parcel in the in the Speednet Module.

2.      Transfer the SPCOD message file to the Meghdoot Postman under delivery menu. 

3.      Adopt the procedure laid down for BPCOD articles for Delivery in Postman module. 

If the SPCOD article is to be returned back:--

1.      Take return in the Postman Module.

2.      Submit Account should be done in the Postman Module.

3.      Execute the Speednet Communication to change the status of the SPCOD.

4.      Open Speednet, Close the bag and Scan the SPCOD for return back. 

The disposal of each SPCOD should be entered in the SPCOD register maintained in your office whether it is delivered or undelivered. 

Ensure that all the communication modules are in working condition.

·         R-Net Communication is used to Receive and transmit RL/PARCEL and COD.

·         e-Payment Client is used to transfer cash collected for COD billers.

·         Speednet Communication is used to Receive and Transmit Speednet and SPCOD data.

·   Check the BPCOD and SPCOD articles shown as deposit in the Postman module periodically.