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May 6 14

Product Description – Ready Made Textiles

by Capt. Samarth Singh

RMJA00222-B6Solid Wool Rich Jacket: 

From our premium line of jackets and overcoats, we bring you the Park Avenue Solid Wool Rich Jacket. Whether its a life changing business meeting, your kid’s graduation ceremony or a best friends wedding, this jacket promises to make you look every bit as good as aristocracy. The Solid Wool Rich jacket comes in a variety of standard sizes and is Deep/Navy blue in colour. It is woven in 70% Wool and 30% Polyester.



RMTX00695-F2Poly Wool Sapphire Trouser: 

Ever wondered if there were a pair of trousers woven for a bunch of occasions. The Poly Wool Sapphire Trouser by Color Plus is that and much more. The Pleat less design makes it ideal for casual wear to a club or a social gathering while the straight cut and contemporary fit makes it more than appropriate for everyday office use. These trousers come in a variety of standard sizes and are woven in 65% Polyester and 35% Wool.

Mar 15 14

Adding an E-mail Signature to MS Outlook

by lara


  1. Open a new message. On the Message tab, in the Include group, click Signature, and then click Signatures.
  2. On the E-mail Signature tab, click New.
  3. Type a name for the signature, and then click OK.
  4. In the Edit signature box, type the text that you want to include in the signature.
  5. To format the text, select the text, and then use the style and formatting buttons to select the options that you want.
  6. Click  Insert a picture iconPicture, browse to a picture, click to select it, and then click OK. Common image file formats for pictures include .bmp, .gif, .jpg, and .png.


Mar 10 14

Vehicle Insurance: What’s in it for you?

by Capt. Samarth Singh

India has moved far beyond times when a vehicle was considered a tool. Today, a vehicle is nothing less than the owner’s pride. Given that vehicles are treated more like assets, ABC General Insurance offers you well rounded coverage to keep your vehicle shiny and new, always.

At ABC General insurance we understand the financial constraints of effectively maintaining a vehicle. This coupled with the passion of wanting to maintain it well, makes it quite an expense! ABC’s Vehicle Insurance affords you the luxury of Cashless Repairs at over 2100 network garages. What’s more? All of our Vehicle Insurance products come with the option of adding a personal accident cover of up to Rs. 10 lakh! We also reimburse towing charges and arrange for surveys to be conducted within 48 working hours of an accident or incident.

In keeping with ethical business practices, we at ABC General Insurance believe in disseminating as much information as possible, about our products, to our prospective clients prior to purchase. Our insurance products cover you for Accidents, Fire, Fire due to lightening, self-ignition, explosions, thefts and many other probable causes of loss as mentioned in the policy document.

We believe in creating value for our clients which leads us to reward you in the event that no claim is made over any one policy cycle. In such cases ABC General Insurance offers its clients a no claim bonus which entitles you to a discount on your next policy premium!

Buying an ABC Vehicle Insurance product is as easy as a few clicks on your computer. One can choose to buy our products online or through the IVR.  Documentation is minimal and premium payments may be made online via Credit/Debit Card.

We look forward to your next interaction with us. Call us on 1800 3001 301 for more!

Dec 10 13

Credit Card Over Limit Fee is nothing short of theft

by Capt. Samarth Singh

So I coverlimitfeehecked my credit card statement the other day and it struck me. What is ‘Over Limit Fee’ and why am I being charged it? For all of us that use credit cards, we know the service comes at a steep price. The average credit card interest rate is approximately 36% per annum which is extremely expensive given that Home Loans, Car loans and Personal Loans hover between 10 and 15% per annum. Credit card debt is by far the most expensive debt one can accumulate and is extremely difficult to get rid of.

The 3 most common costs one pays while playing around with credit card debt are:

  • The interest payments on a monthly statement (Assuming the total due is not paid)
  • A late payment fee which does get reported to Credit Rating agencies (Assuming the minimum due is not paid in time)
  • Over Limit fee (Assuming a card goes over its predefined credit limit)

It is this third penalty that I will be discussing in this story. Say it once in your head, ‘Over Limit Fee.’ Do you sense an oxymoron? I am being charged a fee to go over my credit limit. Which means, if I had a $100 Credit Limit the card company does NOT extend a line of credit to me beyond $100. So if that be the case, how could I have possibly gone beyond $100? Right?

So the first time this happened to me, I called the credit card company and here’s what they had to say. They say Over Limit Fee is a penalty charged to clients that have maintained a great repayment record with the bank. To avoid the inconvenience caused by a rejected transaction on account of crossing ones credit limit, the bank authorizes a payment that breaches the card credit limit. That’s why we charge an over limit fee!

That’s the most bizarre explanation ever. I didn’t sign up for this over limit fee or the associated ‘good will gesture’ as the make it seem. In most cases like mine, people tend to lose track of their monthly swipes / charges. They never want to willfully exceed their credit limit and expect a transaction to get dishonored when a breach of credit limit is attempted.

I did a little bit of research online and it seems some seemingly ethical banks and credit card companies offer this service as optional. And when I say optional, I mean it is activated by default when the card is issued, it is up to the customer to deactivate this service. What’s worse? Most Credit Card companies, for example in a country like India, do not offer the deactivation option. Nor do they alert you when you are performing a transaction that exceeds your credit limit. It just goes through, and bang, a day later, they slap on a ‘Over Limit Fee.’ That’s a swell ‘goodwill gesture’ right?

Here’s the catch. If I have a credit card with a $100 limit on it, you can rest assured they are not going to allow transactions for more than a few dollars above the $100 limit. However, the resulting over limit fee is a lot of money!

Over Limit fee is by far one of the most unethical concepts I’ve come across.

Dec 6 13

Silver Bullion investment as a hedge against inflation

by Capt. Samarth Singh

silverThey say all that glitters is not Gold. What could be further from the truth when the next best investment option namely Silver Bullion stares us right in the face?

Of late, the world is in financial trouble. They say the world is in debt a few trillion dollars. Thanks to badly managed government deficit spending coupled with a US dollar which is the world reserve currency being backed by nothing but debt and faith our purchasing power continues to slide by the day. So what’s the solution?

In a world where currency isn’t safe anymore and the US dollar is on the world of collapse, Gold and Silver, precious metals in general offer a ways out. History has it, every single fiat currency in the world has always gone back to its intrinsic value, zero. On the contrary, Gold and Silver have been used as money, a store of value for over 5000 years and continue to gain in value. For investors who think Gold is a little beyond their reach with prices hovering around $1500 an ounce, Silver offers a brilliant investment opportunity. At $30 an ounce, Silver a very undervalued and is setting itself up for an explosive rally in the near term.

Oct 30 13

Android OS Cross-Platform Development

by lara

Not very long ago, technology faced us with a grave challenge. Running a website seamlessly on multiple platforms was thought of as a herculean task, but nevertheless, we overcame. Our mobile devices today not only run these websites across multiple platforms, but are actually able to transfer settings and preferences as well.

Today however, the challenge is cross platform application development. Two of the forerunners are Google’s Android OS and Apple’s IOS with Windows and Nokia trying to push through their own Operating Systems now and then. So far, developers have been creating a app native for any one of the Operating Systems and then adapting it for different environments. This is time consuming and exhaustive, especially in the debugging phase.

With the advent of Cross Platform Development tools like Xamarin and Icenium, this issue should soon be long gone. These tools allow for a developer to seamlessly create applications across multiple platforms by programming for just one of the environments, say Android. Almost all of these tools require you to program in C#.

While solutions exist for Android OS Cross Platform Development, there still are a significant number of coders who oppose this development stating it isn’t fool proof. That being said, unless mobile device manufacturers arrive at a consensus on the kind of framework they use, Cross Platform Development tools are here to stay!

Jul 1 13

Health Insurance in India

by Capt. Samarth Singh

So its official, the Fixed Income segment in India boasts of some of the best term and recurring deposit interest rates in the world, thanks to our growth numbers. But for the average middle class, is it advisable to bank just on these extremely low risk instruments?

Health Insurance in India vs. the West

Health Insurance in India has been ignored for many years. Most of the west has grown up with plans like Social Security which ensure the general well being of the population, puts them through regular health checks and covers them for treatment against inconsistencies across the board. But what about Health Insurance in India? Over the years we’ve spent concentrating on growth and development, we seem to have conveniently ignored healthcare. As a result, we have a large uncontrollable, unaudited population with no access to a common ground for healthcare. Health Insurance, hence becomes your primary responsibility.

But why?

Health Insurance helps an individual ease financial pressure in many medical situations. Based on the kind of plan it could apply to an individual or his/her entire family. Premiums for Health Insurance are payable in various modes and usually differ with age, going up as age increases. Most Indian insurance companies do not prescribe a minimum deductible on health insurance so you’re covered from the moment you’re admitted to a hospital for treatment. Furthermore, most Indian hospitals and healthcare centers are directly associated with one or many insurance companies which ensures a cashless treatment facility to the insured individual.

But I’ve never had a sore bone all my life!

That doesn’t matter, health insurance operates purely on the concept of surprise. A clean bill of health so far has little effect on the chances that might land you in trouble.

Does it cost too much?

Health Insurance is surprisingly well priced and one benefits from entering a plan early in life since your premiums start low. Furthermore, loyalty to one company over a period of time offers the insured premium benefits since the company is well aware of the individual’s medical history! Health Insurance premiums are generally deducted via direct debit from your bank, so all you need to do is make your peace with the meager premium expense.

Health Insurance, to a large extent, improves one’s quality of life. It shifts your focus from having to worry about surprise medical expenses and allows you the luxury of planning for a bigger home, better schooling or perhaps a vacation in the Bahamas. It is every bit worth considering!

Jun 21 13

Setting up POP E-mail on iPhone

by Capt. Samarth Singh

Setting up POP/IMAP mail on an Apple iPhone by Hybrid Content (India) Pvt. Ltd.

Step 1: Go to system “Settings“.
Step 2: Go to “Mail, Contacts, Calendars”.
Step 3: Under accounts, touch “Add Account”.
Step 4: Choose “Other“.
Step 5: Touch “Add Mail Account”.
Setting up POP/IMAP email on an iPhone


Step 6: Enter your name, full email address and password for the email account. The description field can be filled in as you see fit.

Step 7: After hitting “Next” you will need to enter in our mail server information. For hostname enter and for username enter the full email address. Example “”. If the password field is not filled in, re-enter it again.

Setting up POP/IMAP email on an iPhone

Step 8: At this point you should be all set. Make sure the settings are saved and then touch the mail icon to begin retrieving your email.

May 13 13

What does a SSL Certificate mean? – Secure Sockets Layer

by Capt. Samarth Singh

This article explains what SSL is like you were a complete tech/IT novice. The reason I’ve decided to answer this question is because as of 2013 a lot of small business owners are toying around with the idea of getting their websites SSL compliant.

SSL expanded is Secure Sockets Layer. Its rather simple. Lets start with who needs SSL. A lot of small business websites offer use e-commerce to route payments for purchases made online through their website. This requires the website user to enter credit card and other sensitive information that could lead to potential identity fraud and loss of money. Why does this happen? When an end user enters credit card information on his computer screen and hits submit, that information is transmitted to the server where the requesting website is hosted. To get to that server, the information may pass through many servers because of the physical distance between both the parties. Sometimes, this information gets intercepted and misused somewhere in the middle. An SSL certification ensures that the information entered by the user is transmitted encrypted only for the destination server. Every server it passes through in the middle, may not be able to process what’s being transmitted.

So, long story short, every small business owner looking to make his site a little more reputed and offer some added security to customers should consider getting an SSL certificate. They’ve become fairly reasonable nowadays, are offered in various tiers and are easy to install.

Now, who does NOT need an SSL certificate and this is important to address because there’s no point getting one when you outright ‘Don’t need it.’ A site that does not collect any personal or sensitive information whatsoever from its users like credit card numbers, addresses, family names, phone numbers etc. does not need an SSL certificate or rather it will not add any practical value to the website.

There is talk about an SSL certificate reportedly improving SEO scores, but there’s nothing on the web that talks of concrete results on that front.

Nov 6 12

The Dilemma: A Standalone Mobile Website or Responsive Design?

by Capt. Samarth Singh

A coder’s nightmare, no doubt, cross browser compatibility now seems a thing of the past. It has become the lesser of two evils; with the world having unknowingly stepped up the challenge owing to the rapid introduction of mobile devices and the browsers that go with them, in a very short span of time, roughly 2007 – 2011.

A few years ago, website owners and operators across the globe were faced with the age old herculean task of having to deal with Internet Explorer standards, versus the other, more Web 2.0 friendly browsers like Firefox and Chrome. That was soon to change with the advent of the iPad, other Android Tablets and the constantly evolving touchscreen smartphone range. What used to be a standard fixed resolution website, soon turned into one that sprawled all across the screen and was expected to adapt to different screen resolutions and aspect ratios. This becomes even more of a challenge, design wise, with Apple, for instance, conveniently deviating from Flash standards, as with several other low end smartphone and mobile devices. Not just compatibility, data connection speed poses a huge challenge to running a common PC and Mobile website, especially for many countries where 3G speeds over data are virtually unheard of, let’s not even get into 4G.

But what’s the biggest challenge developers’ face today? The 2 options are simple:

  • Implement bulletproof code and design which can get impractical and frustrating sometimes.
  • Launch a whole new mobile version of the website, which practically doubles administration effort and possibly the associated costs, even with a common content or data pool.

Most would advocate that the first option offers simplicity of administration given that the developer manages one set of files. On the contrary, opposed to popular opinion, multiple style sheets to serve different environments could in fact lead to a bigger mess than two separate websites.

What the developer – website owner team eventually chooses is more of a judgment call. One can never take away from the fact that the core essence of any website lies in effective content exchange while maintaining 100% workability which translates to 100% compatibility, round the clock!  Short of that, a little extra effort towards either of the two options is warranted and will most certainly be required till a more acceptable browser gets developed, or one of the current players manages to crack the cross compatibility code.