Front and Back view of Credit Cards..jpg
consumer forum, Tamils

Tamil On Credit Cards Ramayana On Loans

People used mock at one who borrows money, Pledge things till about forty years ago.

Now possessing a credit card is a status symbol.

Gold Loans.jpg

Gold Loans.

One who does not have it is looked down, even a shopkeeper looks down at you if you say you do not have a credit card!

I have seen people covering their heads before entering a Pawnshop to pledge.

Now we have advertisements exhorting people to avail Gold Loan!

…..The same pathetic situation with the Nations.

We had Argentina earlier,followed by Ireland, now Greece .

Nations have been humiliated.

All because of spending more than Income!

Economists(!) of the Keynesian variety might use any jargon like restructuring of Finances, Packages…….

What essentially has happened the borrower has been ridiculed, his very independence in peril.

Greece is a case in point.

No point in blaming the lender.

He is merely asking his money back

This is because people madly follow the US, by spending more than what they have,on imagined earnings/projected earnings.

US does not have enough God Reserves in Fort Knox to back up its debts.

Read my Posts on this.

No what does the ancient Language Tamil say of Credit, borrowings?

Tamil Peom on Credit.png

Tamil Peom on Credit. by Avvaiyar

Adhigam Selavaanaal
Maanamizhandhu Madhikettu Pona Dhisai
Ellaarkkum Kallanaai Yezhupirappum Theeyanaai
Nallaarkkum Pollaanaam Naadu”

One who spends more that what he earns, ( gets a loan to meet out his expenses), will lose his dignity, lose his mind and will be considered by all as thief in whatever he goes.

He will be a sinner in all his births and will be called bad even by the Good , despite all his other good Characteristics.

What his mental would be, when he faces the creditors?

Kambar, the Great Tamil Poet, in his Ramayana, answers this.

Kambhar on Credit,Kambha Ramayan

Kambhar on Credit,Kambha Ramayana, Tamil.

‘Like a fish that has taken in poison; Like the wax near a hot flame; Like the toad that got caught between the venomous jaws of a snake; When the brave arrows of Lord Rama flew in the war field. Ravana’s feared and panicked as of the victim’s position in the above situations that can be compared to the person in a debt’

consumer forum

Indane Gas Delay Distributor Complaints Procedure

One experiences a lot of issues with the Indane Gas Agencies.


General complaints relate to delayed delivery of Gas,Demanding that you buy a product you may not need,not attending the phone.


In the IVRS Gas Booking system, you get information as to till what date your distributor has cleared the Gas booked with him.


Indane LPG logo.jpg

Indane Logo


Not withstanding the IVRS, some distributors do not deliver on priority.


In my case Gs booked a week after I had booked were delivered, not mine.


I resolved the issue by contain the Link provided at the end of this post.


You may also check the details of your distributor, his distribution pattern and most importantly his personal Number/Mobile Number,


My issue was resolved within half an hour by an intimation  through SMS tha Gas Bill has been raised and Gas was delivered the next morning.


This is the Link.


In this link you can find out about your distributor,Indian Oil Offices for your reference.


Or you may visit the following link and lodge your problem.


It provides options like delay, non attending of Phones, Gas Diversion and more.


consumer forum

LPG Cylinder Explosion Insurance Claim Procedure

Domestic Gas, LPG, is tricky to handle and in my view many get away with out a serious explosion only by Providence.


Normal precautions  while using it are not taken.


Some safety precautions.

1.Do not open the Gas switch before keeping the source of Flame near the burner and light immediately.

2.Self cleaning the burner every day, with out knowing how to clean it is dangerous.

3.Close the Gas Valve in the Cylinder after cooking and keep it switched off when you go out.

4.When you start using a new Cylinder, make sure the Pin is properly inserted in the mouth of the Cylinder.

5.Open the windows,every morning before using the gas for a few minutes before  staring the gas.

6.have the Rubber tubing checked once in six months by your Gas agency and change it if necessary.

7.make sure you do not spill hot water/oil over the Tubing.

8.Do not keep vessels, any article on the empty or Gas Cylinder.

There is a provision for Gas Accidents ans LPG explosion.


Procedure for claiming LPG explosion and for accidents,


In fact, companies have not seen a single insurance claim from Jaipur in years. Given the level of awareness, it’s not a surprise.
Customers unaware


Most homemakers were completely shocked when DNA told them about the insurance cover available on LPG cylinders. “I never knew that such damages could be claimed from the gas agency,” said Varsha Singh.


Leave alone simple homemakers, even well-read professionals seem to have little clue of this “hidden benefit”. “I did not know that we get insurance in case an LPG cylinder explodes.
The staff at the gas agency never informed me,” said Amit Agarwal, a chartered accountant who recently got a gas connection.


Ignorance pays only the insurers


Every month, nationalised insurance companies get lakhs of rupees as premium and this amount increases constantly with an ever rising number of ignorant consumers, each of whom are covered in part by the Oriental Insurance Company and the gas agency concerned.


“We received Rs26 lakh as monthly premium from a single gas agency in Jaipur, a city which has more than 400 gas agencies,” an agency owner said.


Adding that in the two decades since he’s been running the gas agency, not a single customer has claimed insurance despite several mishaps.


Everyone know the difference an asterix at top of a ‘SALE’ poster can make. So goes for your eligibility to claim insurance.


According to IOC Ltd Citizen Charter, the IOC distributor will offer assistance to the consumer in completing the formalities of insurance claims arising out of the accident.

HPCL website states all registered HP GAS consumers (having valid SV) are insured against outcome of an accident at their registered premises due to LPG. Details are available with all the distributors and Customer Service Cell In addition, HPCL has also taken a Public Liability Insurance Policy.

Valid SV stands for Valid Subscription Voucher.

The following are few simple tips:

01) Check with your LPG distributor on the requisites for a valid insurance claim.

02)Use only Original accessories which are ISI approved.

03)Request your dealer to do the maintenance check every year.

04)Preserve the maintenance check receipt.

05)In case of death due to explosion of gas cylinder, the victim has to appeal in the court demanding compensation

06)Insurance agents said it is very easy to get the claim — informs cops and gas agency, wait for survey by insurance officials and soon you will get the claim amount.


consumer forum, Islam

Islam Reined In Japan Muslims Can Obtain Citizenship

There have been posts that Islam has been banned in Japan.


It is not so.


2006 study of Muslim residents in Japan. image,png

2006 study of Muslim residents in Japan.




1. Japan has put strict restrictions on the Islam and Muslims !
Have you ever read in the news paper that a political leader or a Prime Minister from an Islamic nation have ever visited Japan? Have you ever come across any news paper that King of Iranor Saudi Arabia has visited Japan?
The reasons are:

a) Japan is the only nation that does not give citizenship to Muslims.
b) In Japan permanent residentship is not given to Muslims.
c) There is strong ban on the propagation of Islam in Japan.
d) In the University of Japan Arabic or any Islamic language is not taught.
e) One cannot import ‘Kuran’ published in Arabic language.
f) According to data published by Japanese government, it has given citizenship to only 2 lakhs Muslims. These Muslims speak Japanese and carry their religious ritual in the same.
g) Japan is the only country in the world having negligible number of embassies of Islamic countries.
h) Japanese people are not attracted to Islam at all.
i) Muslims residing in Japan are the employees of foreign companies.
j) Even today Visas are not granted to Muslim doctors, engineers or managers send by foreign company.
k) In majority of the companies, it is stated in their laws that no Muslims should apply for the job.
l) Japan government is of an opinion that Muslims are fundamentalist and even in the era of globalization, they are not willing to change their Muslim laws.
m) Muslims can not even think about getting a rented house in Japan.
n) If anyone comes to know that his neighbor is a Muslim then the whole colony stays alert.
o) No one can start a Islamic or Arabic ‘Madarsa’ in Japan
p) There is no personal law in Japan.
q) If Japanese women marry a Muslim then she is banned.
r) According to Mr. Komico Yagi (Head of Department, Tokyo University) “There is a mind frame in Japan that Islam is narrow minded religion and one should stay away from it.”
s) Freelance journalist Mohammd Juber turned many Islamic countries after 9/11 incidence and at that time he went even to Japan. He found out Japanese are confident that extremist can do no harm in Japan.


Islam is kept under check by tough legislation.,


The constitution and other laws and policies protect religious freedom and, in practice, the government generally respected religious freedom. The trend in the government’s respect for religious freedom did not change significantly during the year.

There were few reports of societal abuse or discrimination based on religious affiliation, belief, or practice.

The U.S. government closely monitored the state of religious freedom, conducted outreach to minority religious groups and NGOs, and discussed religious freedom with the government-

The Statistics Bureau estimates the population to be 127.5 million as of October..

The Religious Juridical Persons Law, as amended in response to the 1995 sarin gas attack on Tokyo’s subway system by Aum Shinrikyo, provides the government with some authority to supervise certified religious groups.

The law requires certified religious groups to disclose their assets to the government and empowers the government to investigate possible violations of regulations governing for-profit activities.

Authorities have the right to suspend a religious group’s for-profit activities if the group violates these regulations.

The government does not observe any religious holidays as national holidays.


Can A Muslim become a Citizen of Japan?




The Japanese Constitution states that


Article 14:
All of the people are equal under the law and there shall be no discrimination in political, economic or social relations because of race,creed, sex, social status or family origin.

“In Japan permanent residency is not given to Muslims.”

This is also easily demonstrably false. If you live in Japan you will probably eventually meet somebody who is Muslim. There are a lot more permanent residents in Japan than there are naturalized citizens.

However, even if you don’t, a look at the official immigration statistics for Japan shows a large percentage of legal immigrants, both non-permanent and those with Permanent Residency Status of Residence (永住者資格eijūsha shikaku), come from countries where the vastmajority of the citizens are Muslim or the official state religion is Islam.

Studies of Muslims in Japan have shown that about 35% are Indonesian, 15% are from Bangladesh, and 10% are from Pakistan.





consumer forum

Technical Method IRCTC Train Booking NO Delay

The pleasure and pain of booking the Train Tickets in Advance by standing in the queue is lost.


This has been replace by Online Booking.


As in Booking by standing in queue, you encounter the same pleasure and Pain.



In the old method one use to get the pleasure of getting to speak to a lot of people in the queue and pain is you r not getting the ticket as you reach the counter.


In Online Booking,, you get the ticket with out moving from where you are.


Pain is the server is slow, does not allow you to log in,  the session expires and when you set all this right tickets are closed.


I have come across the following information in Facebook sent by my Grand son.


IRCTC Log in,image.jpeg,

IRCTC Log in


Hope this is useful.


Thanks Cheenu!



1.Clear all the Cookies, Caches from your Browser.


2.Avoid Internet Explorer.


3.Sync your Browser time with the IRCTC Server.


Otherwise there will be delay,because when you book from abroad,because of Relay token,active routing.


To match IRCTC time with your Browser click this Link.


Enter some Train Number for Train Schedule.


You will get the details along with the IRCTC Server Time.


Based on this, adjust your Browser time.(+ or – 2 minutes is alright)


If you are using Firefox, download the following Link . 


This will automatically sync the time.


4.The Major problem in Booking the tickets is Session expiry.


To avoid this problem,


2)Take the session ID from the Browser.


If you have been using Firefox, then change the Browser to Google Chrome and paste the session ID Link


If you were using Google Chrome change this to Firefox. 


b) be active in the site doing some thing or the other for three minutes.


The session will not be logged out .


5.Use this tool for auto-fill.


6.For Tatkal Booking.


IRCTC is reported to have new server for Tatkal(timing).


This is available between 930 to 12.


See as you log in you get Lighter version notification.


Refresh till you get this notification and book your tickets.




வாசகர்களுக்காக இணையத்தில் உலவிய செய்து…. ஐ ஆர் சி டி சி – டிக்கெட் முன் பதிவு செய்ய சில சீக்ரெட்ஸ் …


* இந்தியன் ரயில்வேயில் முக்கிய பிரச்சினை அதன் டிராஃபிக் என சொல்லப்படும் அதிக பேர் புக்கிங் செய்ய முனைப்படும்போது அதனின் பல பிரச்சினைகள் நம்மளே சரி செய்தால் பிரச்சினை இல்லாமல் புக்கிங் செய்யலாம்


அதன் சில ரகசியங்கள் டெவலப்பர் சங்கத்தில் இருந்து சுட்டது உங்களுக்காக – இது 100% லீகல் அதனால் கவலை கொள்ள வேண்டாம். March 2014 IRCTC invested 10 crore with 64 GB RAM servers with a spike capacity of 1 Million to 8 Million in REAL TIME and LIGHT VERSION Launched *


முதன் முதல் உங்க்ள் பிரவுசரின் அத்தனை கேஷ் / குக்கிஸை கிளியர் செய்யவும். AVOID Internet Ecplorer *


இரண்டாவது உங்கள் பிரவுசர் இந்திய நேரம் அதுவும் ஐ ஆர் சி டி சி சர்வர் நேரத்துடன் ஒத்து போக வேண்டும்.


இதன் மூலம் புக்கிங் அனேகமாய் ஒகே – ஏன் என்றால் வெளி நாட்டிலிருந்து புக்கிங் செய்யும் போது ரிலே டோக்கன் எனப்படும் சர்வர் டிலே – மற்றும் ஆக்டிவ் ரவுட்டிங் வழி என நினைத்து உங்களுக்கு காலம் தாழ்த்தும்.


ஐ ஆர் சி டி சி சர்வர் டைமை மேட்ச் செய்ய இந்த லின்க்கை அழுத்தவும்.ஏதாவது ஒரு ரயில் நம்பரை போடவும்


உடனே அந்த ரயில் விவரம் மற்றும் கீழே இன்றைய தேதி மற்றூம் ஐ ஆர் சி டி சி ரயில்வே சர்வரின் நேரம் – மிக துல்லியமாக காட்டும்


அதற்கு ஏற்றார் போல் செட் செய்துக்கோங்க – மூணு நிமிஷம் அப் / ட்வுன் ஒகே – *


மூன்றாவது நீங்கள் ஃபயர் ஃபாக்ஸ் பிரவுசர் யூஸ் ப்ண்ணீனா இந்த டூலை டவுன்லோட் செய்தா அதுவே டைம் சின்க் செய்யும் – –


இது குரோம் பிரவுசருக்கு வேலை செய்யும். *


நாலாவது செஷன் எக்ஸ்பயரி தான் பிரச்சினை எல்லாம் முடிஞ்சு கடைசியா எக்ஸ்பயரி ஆகி லாகின் திரும்பவும் செய்ய சொல்லும்


இது தான் உச்சகட்ட கொடுமை –


இதற்க்கு இரண்டு வழிகள் – ஒன்று – உங்க செஷன் ஐடியை பிரவுசரில் இருந்து எடுத்து கொள்ளுங்கள் – இந்த லின்க்கை




– இன்னொரு பிரவுசர் – அதாவது நீங்கள் ஃபயர் ஃபாக்ஸ் யூஸ் பண்ணினா = குரோமில் இதை போட்டு செஷன் ஐடியை மாற்றீ அப்படியே சர்வுருக்குள் குடியிருந்த கோயில் மாதிரி ஒட்டிக்கலாம்.


மூணு நிமிஷத்துக்கு ஒரு தடவை ஏதாவது ஒரு ஆக்டிவிட்டி பண்ணி கொண்டே இருங்கள் லாக் அவுட் ஆகவே ஆகாது.


இரண்டாவது மேஜிக் ஆட்டோஃபில் எனப்படும் நிலைத்தகவலை அப்படியே சர்வருக்குள் போட இந்த டூலை பயன்படுத்தினால் எல்லா டீட்டெயிலும் போட தேவையில்லை


அதற்க்கான லின்க் - –


ஃபயர் ஃபாக்ஸ் / குரோமுக்கு ஆல் ஒகெ ஒகெ –


இதன் மூலம் 80% கண்டிப்பாய் டிக்கட் கிடைக்க வாய்ப்புண்டு. *


ஐந்தாவது கடைசியாக – தட்கல் டிக்கட் நேரமான 10 – 12 மணி நேராத்தில் இன்னொரு புது சர்வரை ஐ ஆர் சி டி சி மார்ச் மாதம் 10 கோடிக்கு வாங்கி இன்ஸ்டால் செய்திருக்கிறது


இதன் மூலம் உங்கள் டிக்கட்டை லைட் வெர்ஷன் எனும் அறிவிப்பு 9.30 முதல் 12 மணி வ்ரை வருகிறதா என்று பாருங்கள்


வர வில்லை என்றால் ரெஃபர்ஷ் செய்து பின்பு ஆரம்பிக்கவும் இதன் மூலம் 10 லட்சம் கப்பாசிட்டி 80 லட்சம் ஆகி 60 – 65,000 டிக்கட்கள் எளிதாக செய்ய முடியும் வித் அவுட் நோ பிராப்ளம்ஸ்.


இந்த நேரத்தில் விளம்பரம் / டூர் பேக்கேஜ் லொட்டு லொசுக்கு எதுவுமே வேலை செய்யாததால் இதன் டிராஃபிக் ஸ்மூத்தாய் இருக்கும்..


Enhanced by Zemanta