Actual for You

Top Customer Service Speaker Says: Forget About Service, Focus On Satisfaction!
“I really LOVE my customers,” I heard one agent gush.“My customers ADORE me!” another one boasted.“I always try to do something EXTRA,” confides a third.Ask most customer service managers what they would think about these three reps and they’d probably beam with pride and be elated.Each rep sounds as if she is reaching for the stars, never satisfied, and always achieving.I hate to bear bad news, but they’re all off the mark.Customer SERVICE is about what WE do, the techniques we use, and the feelings we have.But customer SATISFACTION is about something entirely different.Satisfaction is about the RESULTS we produce for customers, and it’s the single most important thing we need to focus on arousing, time and again.But, you might wonder, if I’m enthusiastic and fully committed to delivering the best service in the world, my customers will just have to appreciate me and my company, right?NOPE.Peter F. Drucker, one of my revered professors, an international giant in the field of management, and a consultant to several nations, including Japan and Brazil, wrote a seminal book, called MANAGING FOR RESULTS.Please study those three words very carefully.Drucker’s view is that there is far too much attention paid to the mechanics of business, to the actions we take, to our internal processes of developing and delivering and servicing products, and not enough attention paid to what customers truly value.What we like and what we value has to come second, Drucker maintains.

such information; vi. information received in confidence from foreign Government;

vii. information, the disclosure of which would endanger the life or physical safety of any person or identify the source of information or assistance given in confidence for law enforcement or security purposes;

viii. information which would impede the process of investigation or apprehension or prosecution of offenders;

ix. cabinet papers including records of deliberations of the Council of Ministers, Secretaries and other officers;

x. information which relates to personal information the disclosure of which has no relationship to any public activity or interest, or which would cause unwarranted invasion of the privacy of the individual;

xi. Notwithstanding any of the exemptions listed above, a public authority may allow access to information, if public interest in disclosure outweighs the harm to the protected interests.

INFORMATION OPEN TO PARTIAL DISCLOSURE

Only that part of the record which does not contain any information which is exempt from disclosure and which can reasonably be severed from any part that contains exempt information, may be provided.

APPLICATION PROCEDURE

APPLICATION PROCEDURE FOR REQUESTING INFORMATION

1. Apply in writing or through electronic means in English or Hindi or in the official language of the area, to the PIO, specifying the particulars of the information sought for.

2. Reason for seeking information are not required to be given;

3. Pay fees as may be prescribed (if not belonging to the below poverty line category).

GROUND FOR REJECTION OF APPLICATION FOR DISCLOSURE OF INFORMATION

1. If it is covered by exemption from disclosure.

2. If it infringes copyright of any person other than the State.

TIME LIMIT FOR OBTAINING THE INFORMATION

1. 30 days from the date of application

2. 48 hours for information concerning the life and liberty of a person

3. 5 day

Instant Cash Loans - Avoiding High Fees
You have heard the stories of people taking out a cash advance only to owe more in finance charges than in principal. You can’t help but ask – how did this happen? Will it happen to me? You can avoid such situations if you shop wisely for a cash advance company and pay your loan on time.Rolling FeesCash advance lenders charge on average $15 for every $100 borrowed. If you were comparing APR, it would be 390%. Some lenders’ APR can be as high as 1000%. This usually occurs when the pay back period is calculated in days rather than weeks.So a cash advance of $100 will require a payment of $115 on payday. If that loan is rolled over for another two weeks, the loan payment will be $130. Do that for four pay periods, and you will owe $60 in finance charges. After seven pay periods, $105 in finance fees will be racked up, more than the original loan amount.Research RatesOne way to avoid this situation is to research rates prior to taking out a cash advance loan. Investigate rates of lenders and understand their payment structure. You can also search for first time deals online that reduce or eliminate some fees.Pay Back Your LoanPlan on paying back your loan on your payday. This is the surest way of avoiding those rolling fees. You can arrange with your lender to automatically deduct your payment when you are paid. Some lenders default to only a partial payment, but you should request a full payment. Cash advance companies may present it as a benefit, but you are only increasing your finance fees

The Right to Information Act, 2005 has been enacted to provide for setting out the practical regime of right to information for citizens to secure access to information under the control of public authorities, in order to promote transparency and accountability in the working of every public authority, the constitution of a Central Information Commission and State Information Commissions and for matters connected therewith or incidental thereto.

INFORMATION

The Act defines information means any material in any form including records, documents, memos, e-mails, opinions, advices, press releases, circulars, orders, logbooks, contracts, reports, papers, samples, models, data material held in any electronic form and information relating to any private body which can be accessed by a public authority under any other law for the time being in force but does not include "file notings".

PUBLIC AUTHORITY

It means any authority or body or institution of self-government established or constituted:

by or under the Constitution;

by any other law made by Parliament;

by any other law made by State Legislature;

by notification issued or order made by the appropriate Government and includes any-

a. body owned, controlled or substantially financed

b. non-Government organization substantially financed directly or indirectly by the appropriate Government.

RIGHT TO INFORMATION

A right to information means and includes the right to -

i. inspect works, documents, records.

ii. take notes, extracts or certified copies of documents or records.

iii. take certified samples of material.

obtain information in form of printouts, diskettes, floppies, tapes, video cassettes or in any other electronic mode or through printouts.

PUBLIC INFORMATION OFFICERS (PIOS)

PIOs are officers designated by the public authorities in all administrative units or offices under it to provide information to the citizens requesting for information under the Act. Any officer, whose assistance has been sought by the PIO for the proper discharge of his or her duties, shall render all assistance and for the purpose of contraventions of the provisions of this Act, such other officer shall be treated as a PIO.

DUTIES/ OBLIGATIONS OF PUBLIC AUTHORITY

OBLIGATIONS OF PUBLIC AUTHORITY

It shall publish within one hundred and twenty (120) days of the enactment:-

ii. the powers and duties of its officers and employees;

iii. the procedure followed in its decision making process, including channels of supervision and accountability;

iv. the norms set by it for the discharge of its functions;

v. the rules, regulations, instructions, manuals and records used by its employees for discharging its functions;

vi. a statement of the categories of the documents held by it or under its control;

vii. the particulars of any arrangement that exists for consultation with, or representation by the members of the public, in relation to the formulation of policy or implementation thereof;

viii. a statement of the boards, councils, committees and other bodies consisting of two or more persons constituted by it. Additionally, information as to whether the meetings of these are open to the public, or the minutes' of such meetings are accessible to the public;

ix. a directory of its officers and employees;

x. the monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations;

xi. the budget allocated to each of its agency, indicating the particulars of all plans, proposed expenditures and reports on disbursements made;

xii. the manner of execution of subsidy programmes, including the amounts allocated and the details and beneficiaries of such programmes;

xiii. particulars of recipients of concessions, permits or authorizations granted by it;

xiv. details of the information available to, or held by it, reduced in an electronic form;

xv. the particulars of facilities available to citizens for obtaining information, including the working hours of a library or reading room, if maintained for public use;

xvi. the names, designations and other particulars of the Public Information Officers.

DUTIES OF A PIO

" PIO shall deal with requests from persons seeking information and where the request cannot be made in writing, to render reasonable assistance to the person to reduce the same in writing.

" If the information requested for is held by or its subject matter is closely connected with the function of another public authority, the PIO shall transfer, within 5 days, the request to that other public authority and inform the applicant immediately.

" PIO may seek the assistance of any other officer for the proper discharge of his/her duties.

" PIO, on receipt of a request, shall as expeditiously as possible, and in any case within 30 days of the receipt of the request, either provide the information on payment of such fee as may be prescribed or reject the request for any of the reasons specified in the Act.

" Where the information requested for concerns the life or liberty of a person, the same shall be provided within forty-eight hours of the receipt of the request.

" If the PIO fails to give decision on the request within the period specified, he shall be deemed to have refused the request.

" Where a request has been rejected, the PIO shall communicate to the requester - (i) the reasons for such rejection, (ii) the period within which an appeal against such rejection may be preferred, and (iii) the particulars of the Appellate Authority.

" PIO shall provide information in the form in which it is sought unless it would disproportionately divert the resources of the Public Authority or would be detrimental to the safety or preservation of the record in question.

" If allowing partial access, the PIO shall give a notice to the applicant, informing:

a. that only part of the record requested, after severance of the record containing information which is exempt from disclosure, is being provided;

b. the reasons for the decision, including any findings on any material question of fact, referring to the material on which those findings were based;

c. the name and designation of the person giving the decision;

d. the details of the fees calculated by him or her and the amount of fee which the applicant is required to deposit; and

e. his or her rights with respect to review of the decision regarding non-disclosure of part of the information, the amount of fee charged or the form of access provided.

f. If information sought has been supplied by third party or is treated as confidential by that third party, the PIO shall give a written notice to the third party within 5 days from the receipt of the request and take its representation into consideration.

Third party must be given a chance to make a representation before the PIO within 10 days from the date of receipt of such notice.

INFORMATION NOT OPEN TO DISCLOSURE

The following is exempt from disclosure

i. information, disclosure of which would prejudicially affect the sovereignty and integrity of India, the security, strategic, scientific or economic interests of the State, relation with foreign State or lead to incitement of an offence

ii. information which has been expressly forbidden to be published by any court of law or tribunal or the disclosure of which may constitute contempt of court;

iii. information, the disclosure of which would cause a breach of privilege of Parliament or the State Legislature;

iv. information including commercial confidence, trade secrets or intellectual property, the disclosure of which would harm the competitive position of a third party, unless the competent authority is satisfied that larger public interest warrants the disclosure of such information;

v. information available to a person in his fiduciary relationship, unless the competent authority is satisfied that the larger public interest warrants the disclosure of such information; vi. information received in confidence from foreign Government;

viii. information which would impede the process of investigation or apprehension or prosecution of offenders;

ix. cabinet papers including records of deliberations of the Council of Ministers, Secretaries and other officers;

xi. Notwithstanding any of the exemptions listed above, a public authority may allow access to information, if public interest in disclosure outweighs the harm to the protected interests.

INFORMATION OPEN TO PARTIAL DISCLOSURE

APPLICATION PROCEDURE

APPLICATION PROCEDURE FOR REQUESTING INFORMATION

1. Apply in writing or through electronic means in English or Hindi or in the official language of the area, to the PIO, specifying the particulars of the information sought for.

2. Reason for seeking information are not required to be given;

3. Pay fees as may be prescribed (if not belonging to the below poverty line category).

GROUND FOR REJECTION OF APPLICATION FOR DISCLOSURE OF INFORMATION

1. If it is covered by exemption from disclosure.

2. If it infringes copyright of any person other than the State.

TIME LIMIT FOR OBTAINING THE INFORMATION

1. 30 days from the date of application

2. 48 hours for information concerning the life and liberty of a person

3. 5 day

Unsecured Loans - It's Anybody's Loan
An unsecured loan is the most extensively sought after loan in business today. The reasons for that are obvious. Unsecured loans allow the borrower finances without him having to put up any security or collateral. Unsecured loans can be taken for any purpose. It caters to the needs of the tenant and the homeowner, the salaried individual and the businessman, the self employed individual and the retiree. The list has no end.Doubtless unsecured loans have greater interest rates. The collateral is missing and the lender's apprehension about getting his money back is understandable. Still, these loans are highly competitive. They are processed quicker than secured loans, as there is no need to evaluate any property. The documentation work is lesser too. The entire process is pressure-free for the borrower, which cannot be said for other loans.Unsecured loans do have minor disadvantages. Unlike a secured loan, the borrowable amount allowed is smaller. The interest rates are a tad higher, and the monthly cash outflow is somewhat greater.However, for someone who does not have any security to put up and is in need of quick money, unsecured loans are the best option.Everybody wants to get these loans at the lowest rates possible; here, the borrower needs to put in the hard yards. The market is one place to shop around for the best deals. The internet is the portal to the world of loans. Comparing unsecured loan packages is mandatory. Negotiations done the proper way can bend even the most rigid lenders. The borrower can rec

under the Act. Any officer, whose assistance has been sought by the PIO for the proper discharge of his or her duties, shall render all assistance and for the purpose of contraventions of the provisions of this Act, such other officer shall be treated as a PIO.