“We Have Not Read It “….For A Change Bank Says this …. Not Customer !!!

Generic image

 

A Russian man has outwitted a bank by sending back a credit card contract with his own, handwritten, amendments to the contract for zero fees and zero interest. Now he’s had a win in court

A MAN who decided to get his own back on a bank which sent him an unsolicited credit card in an ingenious way has had his first win in court.

Dmitry Agarkov decided to write his own small print in a credit card contract and has had his changes upheld in court. He’s now suing Russia’s leading online bank for more than 24 million roubles ($A800,000) in compensation, RT.com reports.

Disappointed by the terms of the unsolicited offer for a credit card from Tinkoff Credit Systems in 2008, Mr Agarkov, 42, from the city of Voronezh, decided to hand write his own credit terms.

The trick was that Agarkov simply scanned the bank’s document and “amended” the small print with his own terms, scribbled in his own handwriting.

He opted for a 0 per cent interest rate and no fees, adding that the customer “is not obliged to pay any fees and charges imposed by bank tariffs.”

The bank didn’t read “the amendments”, as it signed and certified the document, then sent him a credit card.

It took two years before the bank decided to terminate Mr Agarkov’s credit card because of overdue payments.

In 2012, it sued him for 45,000 roubles ($A1500) – an amount that included the remaining balance, fees, and late payment charges, which violated the actual agreement.

The court decided that the agreement Agarkov crafted was valid, and required him to settle only his balance of 19,000 roubles ($A635).

“They signed the documents without looking. They said what usually their borrowers say in court: ‘We have not read it,’ his lawyer said.

Tinkoff founder Oleg Tinkov tweeted: “Our lawyers think, he is going to get not 24 million, but really four years in prison for fraud.”

The next hearing will be in September.
source::::news.com.au

natarajan
Read more: http://www.news.com.au/money/banking/no-fees-0-interest-bank-fail-as-man-scribbles-his-own-terms-on-credit-card-contract/story-e6frfmcr-1226693921929#ixzz2bZ3AoT6Y

What a Cool Idea To Beat The Heat !!!!

China is in the midst of a brutal heatwave right now, but some parents have found a way to help their little ones beat the heat: watermelon.

Only, they’re not eating them – they’re wearing them.

A trend started in July in the Wenzhou region of the country when photos of a kid dressed in a watermelon suit started making the rounds on the Internet.

High fashion: The watermelon suit trend popped up in July when this photo went viral in China
Keeping cool: Fans of the watermelon suits say they're an eco-friendly way for babies to beat the heat

Variety: People have made watermelon suits to resemble warrior outfits, armor, hula skirts and even bikinis

The reaction to the suits has been relatively positive across China, with people commenting on various blog sites about how the suits are an ‘eco-friendly’ way to cool down kids in the blistering heat.

One potential problem, however, is that babies have very sensitive skin. And while watermelon allergies are rare, the juice from the watermelon against a baby’s skin could cause some irritation.

Another potential issue is wearing the suit for too long. Watermelons rinds are moist, and as they rot they could breed bacteria and germs.
source:::::mailonline.com UK

natarajan
Read more: http://www.dailymail.co.uk/news/article-2388533/The-fruit-loins-Proud-father-shows-world-brilliant-method-keeping-son-cool–shorts-hat-carved-frozen-watermelon.html#ixzz2bY5lC7Sg

 

Message For The Day….Have Your Love Fixed and Devoted on GOD …

Become like the flute, a hollow reed, straight, light, with no substance to hinder His breath. Then He will come and pick you up and breathe divine music through you, playing upon you with a delicate touch. In His hand the infinitesimal will be transmuted into the Infinite. Intensify the love that is present within you. It is a sacred gift. Expand your love so that all beings can share in it. Your love must be such that if someone around you is sad, you feel sad and if they are happy, you feel that happiness. Have your love fixed and devoted on the Lord, whether your petty wishes get fulfilled or not. Never let go, under any circumstances, this precious treasure – your Love for God.

 

Sathya Sai Baba

“குழந்தை…. கரும்பை யானைக்கு கொடுக்கலாமா ?!!!”

தஞ்சைக் கிராமமொன்றில் ஸ்ரீசரணர்கள் தங்கியிருந்த போது கரும்பு அறுவடையாகி, நிறையக் கட்டுக்கள் ஸ்ரீமடத்திற்கு ஸமர்ப்பிக்கப்பட்டிருந்தன.

கரும்புக் கட்டைப் பார்த்த ஒரு குழந்தை தனக்கு வேண்டுமென்று அழ ஆரம்பித்தது. குழந்தையின் பெற்றோர் ஸ்ரீசரணாளிடம் அதற்குக் கணை, குலைக்கட்டி முதலியன இருந்ததால் கரும்பு தருவதற்கில்லை என்றனர்.

ஸ்ரீசரணர் அவர்களைக் கையமர்த்தினார். குழந்தையிடம் ஒரு கரும்பு கொடுக்கப் பணித்தார்.

“நம்ம மடத்து ஆனை நீ பாத்திருக்கியோ? ஒனக்கு அது ரொம்ப இஷ்டந்தானே?” என்று குழந்தையைக் கேட்டார்.

“பாத்திருக்கேனே! எனக்கு ஆனை-ன்னா ரொம்ப இஷ்டமாச்சே!”

“பூஜைக்கு அது வரும். அப்போ கரும்பை அதுக்குக் குடுத்துடறயா? அது மளுக்கு மளுக்குனு முறிச்சுத் தின்னுமே? பாத்தா ரொம்ப வேடிக்கையாயிருக்குமே!”

“அது என்னெ ஒண்ணும் பண்ணாதா?”

“பண்ணாது, பண்ணாது. நான் ஒன் பக்கத்துலயே இருந்துண்டு பாத்துக்கறேன்.”

“ஆனா ஸரி.”

அப்படியே ஆனை வர, ஸ்ரீசரணர் அருகிருந்த தைரியத்தில் குழந்தை ஆசை ஆசையாக அதற்குக் கரும்பைத் தூக்க முடியாமல் தூக்கி – அல்லது இழுத்து வந்து கொடுக்க; அது ‘ஆவ்ரி, ஆவ்ரி’ என்று ஆனந்தமாக முறித்து விழுங்க, அதைவிட ஆனந்தமாகக் குழந்தை முழுக் கரும்பும் தன்னாலேயே தனக்கு நஷ்டமானதைக் கருதாது ஆனந்திக்க – கொடுத்த – கொடை பெற்ற அவ்விரு ஜீவன்களின் ஆனந்தமும் சேர்ந்து கரும்பிதயரின் முகத்தில் பிரகாசித்தது.

தானே அநுபவித்து நுகராமல் பிறருக்கு ஈந்து அதனாலேயே நுகருமாறு ஈசாவாஸ்ய மறைமுடி கூறும் அந்தத் தியாக நுகர்ச்சியின்பத்தை ஒரு சிறு குழந்தை பெறச் செய்து விட்டார், பெருமனத்தர்!

ஜெய ஜெய சங்கர ஹர ஹர சங்கர!!

source:::::www.periva.proboards.com

natarajan

Read more: http://periva.proboards.com/thread/4834/maha-periyavaa-children-3/#ixzz2bTNMwuHM

Message For The Day…Journey of Life ….

Picture this inward journey as walking through a four storied building to get to the top – the ground floor being the union with God through action (Karma Yoga), and the other floors being Devotion, Wisdom and Detachment (Bhakthi, Jnana and Vairagya). When it is just a nascent fruit, it is karma. That is, all are capable of the activity, and so it is the first step in spirituality as well. When it matures and is rendered free from egoism and greed, it becomes worship, and so, it leads one onto the second floor, Bhakthi. When it is ripe and sweet, that is to say, when the devotee achieves complete self-surrender, then it is the acquisition of Jnana (Wisdom). When the fruit drops from the tree, it marks full detachment (Vairagya); the fourth floor of God’s mansion is then reached.

 

Sathya Sai Baba

Miraculous!!!….Pilot Walks Away From The Crashed Plane with a Thumb Injury !!!

 

A pilot has had a narrow escape after walking away from a crashed plane with nothing more than a grazed thumb.

Alan Bray, 59, was left trapped and hanging by his harness in the cockpit for 40 minutes in the small two-seater plane, which plummeted into hedgerows after what is believed to be an engine failure.

The experienced pilot was forced to attempt a crash landing in a field at Pastures Farm, near the village of Loxley after he realised he had encountered problems.

Alan Bray had a miraculous escape from a plane crash in Warwickshire, emerging from the aircraft embedded upside down in a hedgerow with only a graze on his thumbAlan Bray had a miraculous escape from a plane crash in Warwickshire, emerging from the aircraft embedded upside down in a hedgerow with only a graze on his thumb

 

The pilot was left trapped in the small two-seater plane, hanging by his harness in the cockpit for forty minutes while shocked residents called the emergency servicesThe pilot was left trapped in the small two-seater plane, hanging by his harness in the cockpit for forty minutes while shocked residents called the emergency services

After briefly touching down, the blue and white plane smashed through a fence and on to a private road, before flipping over on its nose and into the hedgerow – held into position only by an electric line.

Apart from a ‘bloody thumb’, Mr Bray, who has been flying for ten years, suffered no serious injuries in the crash, and even came back later that day to wrestle his aircraft out of the hedge.

 

Speaking at the scene, he said: ‘I’m a bit sore. The pain is simply from the straps and hanging upside down for forty minutes. Apart from that I escaped with a bloody thumb.’

He added: ‘You don’t get scared at the time, you just do what you trained to do,’ he said. ‘You spend all that time doing practice forced landings, it is just instinctive.’

He said what was more worrying was being stuck in the plane: ‘I didn’t want to let go,’ he said.  ‘If I moved I didn’t know what would happen to the thing.’

He was forced to attempt a crash landing in a field at Pastures Farm, near the village of Loxley, after what is believed to be an engine failureHe was forced to attempt a crash landing in a field at Pastures Farm, near the village of Loxley, after what is believed to be an engine failure

 

Apart from a 'bloody thumb', Mr Bray, who has been flying for ten years, suffered no serious injuries in the crash, and even came back later that day to wrestle his aircraft out of the hedgeApart from a ‘bloody thumb’, Mr Bray, who has been flying for ten years, suffered no serious injuries in the crash, and even came back later that day to wrestle his aircraft out of the hedge

 

Mr Bray even returned to the scene later the same day to help wrestle the aircraft from the hedgeMr Bray even returned to the scene later the same day to help wrestle the aircraft from the hedge

Mr Bray, from Rugby, Warwickshire, part-owns the single engine piston plane, which has a propeller on its nose, with five other friends.

The group have been flying the light aircraft – which weighs only 1,050lbs – for eight years.

After flying out of Wellesbourne Airfield Mr Bray tried to glide the plane into a field when the engine cut out, but unfortunately ran out of space.

Nearby resident Paul Van Der Heyden said he initially thought the noise of the engine was from a tractor. When he heard a loud crash after the engine cut out, he though it had fallen into a ditch and went to investigate. He was amazed to find a plane embedded upside down in the hedgerow.

The only thing that saved him from flipping over entirely was an electric line that the plane's tail got caught onThe only thing that saved him from flipping over entirely was an electric line that the plane’s tail got caught on

‘You could smell the kerosene or petrol or whatever it was, so I didn’t go too close in case it went up,’ he said.

‘I phoned the emergency services, and then had to go to the end of the lane to wave them down after one drove straight past.’

Another resident, Tori Danle, stayed with Mr Bray while they waited for firefighters to help him out of the cockpit. Crews were on the scene for around an hour and the Midlands Air Ambulance from Strensham also came, touching down in the same field that Alan himself tried to land in.

After he was freed, paramedics made sure he wasn’t injured and gave him the all-clear. The Air Ambulance was on the scene for 30 minutes.

source:::::mailonline.comUK

natarajan

Read more: http://www.dailymail.co.uk/news/article-2386132/Pilots-miraculous-escape-walks-away-crashed-plane-grazed-thumb.html#ixzz2bIpFTR1I

அழகு தமிழ் ஆத்திச்சூடி , அருமையான ஆங்கிலத்தில் !!!

1. அறம் செய விரும்பு / …1. Learn to love virtue.
2. ஆறுவது சினம் / 2. Control anger.
3. இயல்வது கரவேல் / 3. Don’t forget Charity.
4. ஈவது விலக்கேல் / 4. Don’t prevent philanthropy.
5. உடையது விளம்பேல் / 5. Don’t betray confidence.
6. ஊக்கமது கைவிடேல் / 6. Don’t forsake motivation.
7. எண் எழுத்து இகழேல் / 7. Don’t despise learning.
8. ஏற்பது இகழ்ச்சி / 8. Don’t freeload.
9. ஐயம் இட்டு உண் / 9. Feed the hungry and then feast.
10. ஒப்புரவு ஒழுகு / 10. Emulate the great.
11. ஓதுவது ஒழியேல் / 11. Discern the good and learn.
12. ஒளவியம் பேசேல் / 12. Speak no envy.
13. அகம் சுருக்கேல் / 13. Don’t shortchange.
14. கண்டொன்று சொல்லேல் / 14. Don’t flip-flop.
15. ஙப் போல் வளை / 15. Bend to befriend.
16. சனி நீராடு / 16. Shower regularly.
17. ஞயம்பட உரை / 17. Sweeten your speech.
18. இடம்பட வீடு எடேல் / 18. Judiciously space your home.
19. இணக்கம் அறிந்து இணங்கு / 19. Befriend the best.
20. தந்தை தாய்ப் பேண் / 20. Protect your parents.
21. நன்றி மறவேல் / 21. Don’t forget gratitude.
22. பருவத்தே பயிர் செய் / 22. Husbandry has its season.
23. மண் பறித்து உண்ணேல் / 23. Don’t land-grab.
24. இயல்பு அலாதன செய்யேல் / 24. Desist demeaning deeds.
25. அரவம் ஆட்டேல் / 25. Don’t play with snakes.
26. இலவம் பஞ்சில் துயில் / 26. Cotton bed better for comfort.
27. வஞ்சகம் பேசேல் / 27. Don’t sugar-coat words.
28. அழகு அலாதன செய்யேல் / 28. Detest the disorderly.
29. இளமையில் கல் / 29. Learn when young.
30. அரனை மறவேல் / 30. Cherish charity.
31. அனந்தல் ஆடேல் / 31. Over sleeping is obnoxious.
32. கடிவது மற / 32. Constant anger is corrosive.
33. காப்பது விரதம் / 33. Saving lives superior to fasting.
34. கிழமைப்பட வாழ் / 34. Make wealth beneficial.
35. கீழ்மை அகற்று / 35. Distance from the wicked.
36. குணமது கைவிடேல் / 36. Keep all that are useful.
37. கூடிப் பிரியேல் / 37. Don’t forsake friends.
38. கெடுப்பது ஒழி / 38. Abandon animosity.
39. கேள்வி முயல் / 39. Learn from the learned.
40. கைவினை கரவேல் / 40. Don’t hide knowledge.
41. கொள்ளை விரும்பேல் / 41. Don’t swindle.
42. கோதாட்டு ஒழி / 42. Ban all illegal games.
43. கெளவை அகற்று / 43. Don’t vilify.
44. சக்கர நெறி நில் / 44. Honor your Lands Constitution.
45. சான்றோர் இனத்து இரு / 45. Associate with the noble.
46. சித்திரம் பேசேல் / 46. Stop being paradoxical.
47. சீர்மை மறவேல் / 47. Remember to be righteous.
48. சுளிக்கச் சொல்லேல் / 48. Don’t hurt others feelings.
49. சூது விரும்பேல் / 49. Don’t gamble.
50. செய்வன திருந்தச் செய் / 50. Action with perfection.
51. சேரிடம் அறிந்து சேர் / 51. Seek out good friends.
52. சையெனத் திரியேல் / 52. Avoid being insulted.
53. சொற் சோர்வு படேல் / 53. Don’t show fatigue in conversation.
54. சோம்பித் திரியேல் / 54. Don’t be a lazybones.
55. தக்கோன் எனத் திரி / 55. Be trustworthy.
56. தானமது விரும்பு / 56. Be kind to the unfortunate.
57. திருமாலுக்கு அடிமை செய் / 57. Serve the protector.
58. தீவினை அகற்று / 58. Don’t sin.
59. துன்பத்திற்கு இடம் கொடேல் / 59. Don’t attract suffering.
60. தூக்கி வினை செய் / 60. Deliberate every action.
61. தெய்வம் இகழேல் / 61. Don’t defame the divine.
62. தேசத்தோடு ஒட்டி வாழ் / 62. Live in unison with your countrymen.
63. தையல் சொல் கேளேல் / 63. Don’t listen to the designing.
64. தொன்மை மறவேல் / 64. Don’t forget your past glory.
65. தோற்பன தொடரேல் / 65. Don’t compete if sure of defeat.
66. நன்மை கடைப்பிடி / 66. Adhere to the beneficial.
67. நாடு ஒப்பன செய் / 67. Do nationally agreeables.
68. நிலையில் பிரியேல் / 68. Don’t depart from good standing.
69. நீர் விளையாடேல் / 69. Don’t jump into a watery grave.
70. நுண்மை நுகரேல் / 70. Don’t over snack.
71. நூல் பல கல் / 71. Read variety of materials.
72. நெற்பயிர் விளைவு செய் / 72. Grow your own staple.
73. நேர்பட ஒழுகு / 73. Exhibit good manners always.
74. நைவினை நணுகேல் / 74. Don’t involve in destruction.
75. நொய்ய உரையேல் / 75. Don’t dabble in sleaze.
76. நோய்க்கு இடம் கொடேல் / 76. Avoid unhealthy lifestyle.
77. பழிப்பன பகரேல் / 77. Speak no vulgarity.
78. பாம்பொடு பழகேல் / 78. Keep away from the vicious.
79. பிழைபடச் சொல்லேல் / 79. Watch out for self incrimination.
80. பீடு பெற நில் / 80. Follow path of honor.
81. புகழ்ந்தாரைப் போற்றி வாழ் / 81. Protect your benefactor.
82. பூமி திருத்தி உண் / 82. Cultivate the land and feed.
83. பெரியாரைத் துணைக் கொள் / 83. Seek help from the old and wise.
84. பேதைமை அகற்று / 84. Eradicate ignorance.
85. பையலோடு இணங்கேல் / 85. Don’t comply with idiots.
86. பொருள்தனைப் போற்றி வாழ் / 86. Protect and enhance your wealth.
87. போர்த் தொழில் புரியேல் / 87. Don’t encourage war.
88. மனம் தடுமாறேல் / 88. Don’t vacillate.
89. மாற்றானுக்கு இடம் கொடேல் / 89. Don’t accommodate your enemy.
90. மிகைபடச் சொல்லேல் / 90. Don’t over dramatize.
91. மீதூண் விரும்பேல் / 91. Don’t be a glutton.
92. முனைமுகத்து நில்லேல் / 92. Don’t join an unjust fight.
93. மூர்க்கரோடு இணங்கேல் / 93. Don’t agree with the stubborn.
94. மெல்லி நல்லாள் தோள்சேர் / 94. Stick with your exemplary wife.
95. மேன்மக்கள் சொல் கேள் / 95. Listen to men of quality.
96. மை விழியார் மனை அகல் / 96. Dissociate from the jealous.
97. மொழிவது அற மொழி / 97. Speak with clarity.
98. மோகத்தை முனி / 98. Hate any desire for lust.
99. வல்லமை பேசேல் / 99. Don’t self praise.
100. வாது முற்கூறேல் / 100. Don’t gossip or spread rumor.
101. வித்தை விரும்பு / 101. Long to learn.
102. வீடு பெற நில் / 102. Work for a peaceful life.
103. உத்தமனாய் இரு / 103. Lead exemplary life.
104. ஊருடன் கூடி வாழ் / 104. Live amicably.
105. வெட்டெனப் பேசேல் / 105. Don’t be harsh with words and deeds.
106. வேண்டி வினை செயேல் / 106. Don’t premeditate harm.
107. வைகறைத் துயில் எழு / 107. Be an early-riser.
108. ஒன்னாரைத் தேறேல் / 108. Never join your enemy.
109. ஓரம் சொல்லேல் / 109. Be impartial in judgement.

காலத்தால்  அழியாத ஆத்திச்சூடியின்  ஆங்கில  வடிவாக்கம்  மேலே !!!!…தமிழ்  தெரியாத அன்பர்களுக்கும் , தமிழ் புரியாத குழந்தைகளுக்கும்  இது  ஒரு நல்ல  வழிகாட்டி !!!!

படித்தும் , பகிர்ந்தும்  பயன்  பெற  வேண்டி  விழைகிறேன் …

நடராஜன்

 

Source…Input from a friend of mine.
natarajan

 

Laughter The Best Medicine !!!!….For Doctors Too !!!!

Doctor, I Have a Problem!
Some  hilarious ‘doctor, doctor’ jokes that will guarantee a lifting of the mood!

“Doctor, I can’t stop thinking I’m actually a dog.”
Doctor: “OK, come sit on this couch and lets discuss it.”
“But I’m not allowed up on the couch!”

“Doctor, I can’t seem to stop my hands from shaking all the time!”
Doctor: “Do you have a drinking problem?”
“I don’t think so – I usually spill half of it.”

“Doctor, I can’t help thinking I’m actually God.”
Doctor: “Interesting. When did this begin?”
“Well at first I created the sun and the moon….”

“Doctor, every time I drink coffee I get this pain in my eye…”
Doctor: “May I suggest removing the spoon first?”
doctor

“Doctor, are you sure this ointment will treat my spots?”
Doctor: “I try not to make rash promises.”

“Doctor, I’m pretty sure I’m actually a frog!”
Doctor: “And what’s so terrible about that?”
“I’m afraid I’m going to croak!”

“Doctor, I feel like a pack of used cards.”
Doctor: “I’ll deal with you later.”

“Doctor, my body feels like a needle!”
Doctor: “I see your point.”

“Doctor, I feel like a pair of curtains!”
Doctor: “Pull yourself togerther man!”

Doctor, “I have 59 seconds to live!”
Doctor: “I’ll be with you in a minute.”

source::::babamailnet

natarajan