hiteshkkk1

Done... Thanks again Sent from my VS980 4G using Tapatalk

It's a random 8 digit number generated... There is no specific algorithm... Sent from my VS980 4G using Tapatalk

Mene to bola hi thaa Sent from my VS980 4G using Tapatalk

Finally I've decided to buy canon eos 600d Is this the best deal? Canon EOS 600D DSLR with Double Lens Kit (EF-S 18-55mm IS II & EF-S 55-250 IS II) On SD after 3% discount = 35000/- Comes with body, 18-55 lens, 55-250 lens, carry bag, 8gb card. http://m.snapdeal.com/product/canon-eos-600d-dslr-with/2011767393 Sent from my VS980 4G using Tapatalk

Thanks ... Done.. Any way to disable Android Updates notification?? I dont want to update..

VN ko lg wale absorb karne wale hai... Lg ko bhi nahi pata hoga usme kya kya hota hai jitna ki VN ko... Nayak nahi.... Vinod Nayak hu me... Sent from my VS980 4G using Tapatalk

Reliance has been observing that you are diverting your intrest in achieving gsm unlock in cdma handsets so they must have increased speed for your number to stop you from moving to gsm... Just kidding... Sent from my VS980 4G using Tapatalk

Seems there was updation pending at eBay end... I've already took benefit of 12% this morning... See my order below.. Sent from my VS980 4G using Tapatalk

Thanks hambarde bhai... Used hdfc credit card 12% coupon HDFC12EBAY n got it for 6567/- Sent from my VS980 4G using Tapatalk

Pls highlight method to backup n restore efs... That would make the thread complete Sent from my VS980 4G using Tapatalk

Note nahi pahuche honge na... Note milte hi permission mil jayegi Sent from my VS980 4G using Tapatalk

Where is sim slot in ls970? Sent from my VS980 4G using Tapatalk

Right now the super battery is in only one phone. I'm using it now. LS980 G2 by LGSent from my LG-LS980 using Tapatalk Being gone thru both the phones ie g2 n droid maxx, i second it... G2 is best Sent from my VS980 4G using Tapatalk

This camera needs adaptor worth 7k for other canon ef lens to work.. So, for now, default lens is the only option... Don't want to spend much... Sent from my LG-VS980 using Tapatalk

Planning to buy canon eos m for my usa trip in may... Not in hurry.. Can wait for best deals.. Getting it for 394$ in usa for body + 18/55 lens + 90x flash Same kit getting on snap deal @ 30800. Not willing to buy from usa considering warranty n difference of just 5k between India n usa. Pls share any deals better than this.. Want to buy max before March end Sent from my LG-VS980 using Tapatalk

If you really like his work, LIKE the post... Sent from my LG-VS980 using Tapatalk

Go for Lenovo p780 Its best afa battery backup is concerned... It mostly matches your requirement.. Just that internal storage is 8gb I bought today from eBay with 12% discount coupon @15700/- Sent from my LG-VS980 using Tapatalk

I pinged the q on VA twitter handle n got this link in reply.. http://www.virgin-atlantic.com/gb/en/travel-information/getting-into-the-country/health-and-visa.html After completing questions, what I got was :

Thanks... Will check it... As per this link : http://www.ukba.homeoffice.gov.uk/visas-immigration/transitthroughtheuk/visa-transit-airside/ The text reads as : The text reads as : 'Transit without visa' concession - DATV exemptionsIf you are a national of a country covered by the DATV system, you may be able to transit the UK airside without a visa. To qualify for this exemption: you must arrive and depart by air; and your onward flight must be confirmed, and must depart within 24 hours; and you have proper documentation for your destination, including a visa if necessary. Additionally, you must hold: 1) a valid entry visa for Australia, Canada, New Zealand or the USA, and a valid airline ticket for travel via the UK, as part of a journey to or from one of those countries; This clears the things... Still I will check with few people... Also, One of my friend who is on work visa flew to US thru LHR without transit visa...

Finally booked virgin atlantic from bom to Washington for 4 may n return on 22 may. It has layover in London for 3. 30 hrs It was best itinerary as regards to timings and for price i got it for, it seems to be a best deal... It was costing 1.74 lacs on virgin site n on other sites it was costing around 1.75 to 1.80. Goibibo is running flat 5k sale on usa n uk flights so it was listed for 1.72 I called ibibo n asked for further discount... He offered me additional 5k if i paid immediately.. N so i did... Paid 1.67 lacs... Moreover, Kuwait flight was for new York while i wanted to come to Raleigh at my friend's place.. So, preferred Washington.. He can come to pick me.. It's just 4 hrs... Thanks for all suggestions... Sent from my LG-VS980 using Tapatalk

No... In fact its not logical to book tickets unless we have visa...

Here I am posting my full experience from start to end... I had filled DS-160 for all 3 of us online by myself with all the relevant data. I had also mentioned name of my Indian friend, who is now an US citizen & also mentioned that I would stay with him n then go for holiday. He had sent me an invite too n mentioned that expenses would be borne by myself. OFC appointment was on 30/Jan/2014 at 10.30 am I reached there around 10.15 n they checked my DS-160 confirmation with my passport. There was a minor mistake in my son's form so they asked me to do the correction n come back. There was one cyber cafe named HI-TECH just adjacent to the building n they had all the infrastructure to do these VISA stuff as well as locker to keep our stuff. I had to pay 200 Rs. for correction n printout. For locker usage, they charge 100 Rs. It was very basic service. They will accept the stuff in bag n seal it n keep all the bags in 1 single cub board. They wont give us keys as keys are not allowed. I went in Q again & was taken inside in 15 mins. Though I had my cousin to take care of my kid so he didnt come inside with me, but other people were bringing the kids inside. It was clearly mentioned in confirmation mail to not to bring kids below 14 yrs but still many were bringing. OFC process for myself n wife was done in hardly 15 mins from entry to exist. They took our photos n finger prints. Thats it. For kids, they pasted the photo that we took with us on wall n clicked its photo. Actual interview was on 31/Jan/2014 at 7.30 am. I reached there by 7 am n there were already lot of people around I think 200. They started the Q at 7.05 n took inside by 7.20 itself. I took with my our passports n confirmation page along with a box file with all original docs viz my 3 yrs ITR, 1 yrs bank statement, real estate ownership docs, qualification certificates for both of us, birth certificate of my son, my client's list with phone nos., marriage certificate, our sebi registeration cerfiticates, any some other profession related docs. Even here, people were taking there kids inside. I had not brought my son with me. Inside there was a waiting area in open but with shade for around 200-300 people. Our number came at around 8.05 They again took our finger prints. We proceeded at window no 37 when instructed to do so. Below was conversation between us & consulate ( not in specific order. i m typing as i am remembering) 1. You have never travelled out of India & why do you want to go to US a. My wife replied: after marraige she was pregnant & then child was small. Now that he is 6 yrs, we are willing to go out of India. 2. Why US only a. We wish to start with US. US being very good country with lot of tourist attractions. 3. So would you go to other countries like Singapore a. I replied, yes definetely. We have already made our list & US is 1st. 4. You are going with some tour operator or by self. a. I replied by self 5. What all places you plan to visit a. I replied places that we had planned in east cost. 6. Looking at my wife, she asked, so, you are a stock broker. Why did u select this as your profession a. She gave relevant answer Then the consulate was just looking at screen n typing something n she told : YOUR VISA HAS BEEN APPROVED... HAVE A NICE TRIP In all this, she didnt demand a singe doc. In all, I feel, its just our confidence & presentation along with the data that we fill in DS-160 that matters. We were not at all nervous n replying confidently.. This conversation took place for harldy 2 mins n we were out by 8.10. Now just waiting for my passport. It should be there in couple of days. I hope it is for 10 yrs n not 6 months. From what I read, they issue it for 10 yrs only but then some people told me that it may be of 6 months. Once in hand, will book tickets. Before I book, wanted to ask if someone has experience of Kuwait Airways. It has cheapest tickets @ 1.32 lacs for all 3 of us Should I go to Kuwait considering there are lot n lot of negative reviews? All the other airlines are starting from 1.80 lacs but not refundable. Refundable are from British or Americal airways n costing around 2.2 lacs. Hope most of the things are clear n this thread helps other people to get some hands on before applying for visa.

Thanks for everyone's inputs n wishes.. Visa has been approved.. Will post in details after reaching jalgaon... Sent from my LG-VS980 using Tapatalk

Thanks a lot.. Done with biometrics... Kids are allowed inside but not required.. If kids are there, they will take actual photo.. If not, we have to give his/her photo. Now keeping fingers crossed for tomorrow's interview.. Thanks for your everyone's wishes..

Hello Friends... With this thread, I would like to start new discussion on the topic. Being in this field since last 7+ years, I have gained lot of experience in this field. I understand most of the people view these things with negative outlook but that is mostly because it is more mis-sold than sold. To start with, I would like to contribute in this tread, over a period of time, some of the basics of Investments & Insurance & with fellow members posts, we can make this an useful thread for our community. Before I begin, let me clarify some points.. 1. Even though I am in this business, I dont intend to present myself as doing any sales activity. I would be glad to answer all the queries & would strongly recommend to buy or avail of service from your own town with somebody you personally know.(Josh wud surely vouch for this) 2. I would be discussing of certain products with its benefits. My sole intention to highlight certain product would be, because that product is actually very good, but very less known, due to low revenue generation for agents. Pls dont treat that too as any sales or marketing activity. In fact, if other members know of any alternative product, better than the one i mentioned, that would be for the good of this thread. Let me start with Accidental Insurance. There are 2 products which I am going to cover & are MUST HAVE for everyone from a chaiwala or an hawker to any crorepati. Accidental Insurance products generally cover below events due to accidents only: 1. Death 2. Hospitalization expenses 3. Permanent or Temporary Disability 4. Total or Partial Disability 5. Daily Cash Benefit Now, we may say that Death is already covered in my existing life insurance or for that matter hospitalization is covered in my existing health insurance cover. Then, why is this extra product needed. In my view, buying accidental insurance is highly important due to below benefits. 1. Premiums are very less compared to full fledged. 2. Premiums are same across all age bands. 3. There are no medical tests required. 4. Pre-Existing diseases are not seen for here. By this, I mean, an person with diabetes cannot get most of health insurance products. But even he is prone to accidents. So, even he can opt for accidental insurance n his existing diabetes wound stand as hurdle. 5. Having accidental products in combination to existing mediclaim means in case of accidental hospitalization, you would use benefits under your accidental plan n keep your mediclaim claim-free so that you keep on earning no claim benefits. Also, many of u have floater policies. So, the sum insured from existing mediclaim is preserved for other illness / other members. 6. Term / Life insurance is costly n premium increases the later you start the plan. Also, in my view, in earlier years (25 to 45 yrs of age), probability of death due to accident is more than probability of death due to illness. So, it is always better to go to Term Insurance + Accidntal Death Insurance than to opt for more term insurance. Now, I will cover some products here. 1. Bajaj Allianz Sankat Mochan : Product link : http://www.bajajallianz.com/Corp/health-insurance/sankat-mochan.jsp This is a very good n low cost product in industry. I have been actively selling it n have good experience as regards to claim settlement. I am sure many of you must have not heard of this product since none of the sales person would sell you this due to very low ticket size n consequently lower commissions. But,in my view, this can be utilized in very good way. In all there are 16 plans & all the details are covered in the link along with premium chart. I would advice you all to check Final Premium Risk class 2 for all the 16 plans. Generally risk class 1 is for low risk jobs. But, then since difference being so less, better to opt for class 2. Some times, even we our self do some high risk work. So, accidents in such cases may be denied if we have policy of risk class1. You will have to add 12.36% as service tax to get net premium. Specialty of this plan is @ just 303/- rs (including all taxes) we get 2 benefits viz. 1. Accidental Death for 2 lacs & 2. Accidental Hospitalization for Rs. 1 lac. This can be very good plan for our office boys or staff who are always on move. In case of any accidents, we do help them financially. But, if we plan properly then it is beneficial for us as well as person. I have been convincing my clients to take this plan for their whole team of 10-20 people. Claim settlement of Bajaj is very good too. I would suggest you to check all the plans n see for yourself as to what benefits you get. Everything is self explanatory. In case of any doubt, I would be glad to clarify the queries. 2. Bajaj Allianz Premium Personal Guard : Product Link : https://www.dropbox.com/s/oymxip3m4f13o2n/Bajaj%20Allianz%20Premium%20Personal%20Guard.pdf This product is not available on website. But, you can avail it from any of Bajaj agents or by visiting their office personally.. Though all the details are covered in above PDF. Specialty of this plan is @ just Rs.1994/- PLAN A, we get 6 benefits viz a. Accidental Death : 10 lacs b. Permanent Total Disability : 20 lacs c. Permanent Partial Disability : as per table. For ex.compensation paid for loss of thumb is 20%. This means, if due to accident, a person loses thumb, company will pay 20% of SI i.e 10 lacs which comes to 2 lacs. Accordingly this % differs from part to part. d. Temporary Total disability : Many times, after hospitalization we have to take rest for certain days as advised by doctors. This may lead to loss of income. The same can be compensated in this section. This section will pay 5000 rs per week till the person stays home due to his temporary disability like fracture in leg or hand or etc, due to which he cannot go to work. e. Accidental Hospitalization : 2 lacs f. Hospital Cash Benefit : This section will pay 1000/- per day till the time person is admitted in hospital, due to accident. People can choose plan as per their requirements. Also, can add family members according to table. Do note, for higher plans, income proof is mandatory. Again, I feel, we must have this plan along with standalone mediclaim. Probability of hospitalization due to accidents has been increased a lot now a days. For the sake of this plan, snake bite or falling in bathroom is also an accident. I hope I have been helpful with this thread. I would try to keep this thread live n give back to community by posting my views. Other members are requested to comment their views, opinions, or ask any doubts.