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Sunday 20 July 2014

Kotak Jifi Account

I had attended the indiblogger meet at Saket ,Delhi where kotak launched it's jifi account for the first time.Jifi is a new age digital account that offers unparalleled convenience. Easy & anytime access, hassle-free transactions and numerous benefits, that is what Jifi is all about. What’s more, banking is now social with it as you receive banking account updates through Twitter, gain reward points for transacting online and adding friends to your Jifi network.
  1. No minimum balance, non interest bearing current account
  2. Auto Term deposit creation once the average balance crosses Rs. 25,000/-
  3. Tweet to bank - Account updates, cheque book request and many more account activities just a tweet away
  4. Refer friends to Jifi and get rewarded
  5. Loyalty Club - Social or Transaction get rewarded for both
  6. Free Jifi Platinum Chip Debit Card for first year
  7. Keep track of your expenses with a Kotak Money Watch platinum subscription for one year
  8. Access to our Mobile Banking & Offers app, to bank on the go
  9. Free NEFT through Net Banking.
  10. Any person above 18 years of age can apply.
  11. As a part of the activation and the verification process, funding the account with this minimum amount of Rs. 5,000 is required, which you can later utilize for online transactions or any other banking needs.
  12. The Activ Money facility helps you convert idle funds above Rs. 25,000 in your Jifi account by moving it to a term deposit(TD) in multiples of Rs. 5,000. This earns a TD rate of interest depending on the tenure. The default tenure booked is 180 days. In case of a shortfall in your Jifi account, the amount (in multiples of Rs. 5,000) is withdrawn from your Term Deposit, thereby giving you the convenience of getting payments processed with ease at all times.
  13. You can easily refer your friends through Facebook or by sharing a unique Email link. All you need to do is send them an invite by clicking on the 'Refer Friends' button on your Jifi dashboard.The referral rewards start from the time you refer your friends to Jifi, till their account is opened. In case your friend does not open the jifi account, you are still eligible to redeem the social points earned.
  14. Loyalty club entitles you to earn social and transaction points, which can then redeemed for a host of lifestyle, shopping and dining offers.
  15.  An Android, iOS & Blackberry compatible app that enables you to instantly connect to your bank account from anywhere, anytime.
  16. Now you can get a 360 degree view of your personal finance with Kotak MoneyWatch. It allows you to view and analyse all your finances online with ease. Here are some of the features you enjoy with KMW:
    • All financial instruments under one roof.
    • Upload or simply forward your e-statements to Kotak Money Watch.
    • Automatically connect all your online accounts, to view your net worth.
    • Auto categorise your bank and credit card transactions.
    • Calculate your income tax automatically.
    • Access Kotak MoneyWatch even from your mobile phone.
    • Generate more than 30 reports like spending patterns, Capital Gains, Profit and Loss etc.
    • Add multiple billers such as telephone, electricity, gas, internet, etc. to receive timely alerts so you never miss a due date.
    • You also have a folder to store your important financial documents online and much more.                                It is a very novel idea by kotak bank and really suits the modern times.
    • http://www.kotakjifi.com


Wednesday 16 July 2014

RELIGION IS OPIUM FOR THE PEOPLE.

"Religion is the opium of the people" is one of the most frequently paraphrased statements of German economist Karl Marx and i truly believe in it.

The foundation of irreligious criticism is: Man makes religion, religion does not make man. Religion is, indeed, the self-consciousness and self-esteem of man who has either not yet won through to himself, or has already lost himself again.
Vladimir Lenin, speaking of religion in clearly alluded to Marx's earlier comments (emphasis added):
Religion is one of the forms of spiritual oppression which everywhere weighs down heavily upon the masses of the people, over burdened by their perpetual work for others, by want and isolation. Impotence of the exploited classes in their struggle against the exploiters just as inevitably gives rise to the belief in a better life after death as impotence of the savage in his battle with nature gives rise to belief in gods, devils, miracles, and the like. Those who toil and live in want all their lives are taught by religion to be submissive and patient while here on earth, and to take comfort in the hope of a heavenly reward. But those who live by the labour of others are taught by religion to practice charity while on earth, thus offering them a very cheap way of justifying their entire existence as exploiters and selling them at a moderate price tickets to well-being in heaven. Religion is opium for the people. Religion is a sort of spiritual booze, in which the slaves of capital drown their human image, their demand for a life more or less worthy of man.
Most of the war is fought on the basis of religion and all the communal riots happening in our country is also in the name of religion. I think India is the only country in the world where there are different civil and marriage law's.Why we can't we have a COMMON CIVIL CODE for every citizen so nobody can take advantage of religious laws.For instance a Hindu convert to Islam so he can get married to four wives.In Muslim sharia law there is no equality of gender in property rights.
In every religion we find hardliners and liberals. In.In Christianity you have catholic s & Protestants,In Muslims you have Shia's & Sunni's,In Hindus there are various castes and they all fight in the name of religion.
Actually in Vedas there is no mention of any God.They used to worship the nature likeWater,Fire,Air,Earth & Atmosphere because you can not live without it and our body is made of these five elements ( Panchtatva )
Later on religious leaders and politician used religion to exploit the masses to their advantage and today it has became the biggest industry on earth.