Precautions while using atm machines

ATM machines
1. The use of ATM machines by people has reduced a great deal of workload of banks. The people are also happy to use ATMs as it is convenient. But unfortunately, there are many scandals and incidents associated with ATM cards. It is very common to hear that somebody has lost an ATM card and password and that the card has been misused by somebody else. In this article I will talk about the precautions that should be kept in using ATM cards and machines. .....
Know what your rights are
2. a)You can use your ATM card at other bank ATMmachinesto withdraw cash too 5 times a month. After 5transactiona fees of 20 rupees pertransactionwill be charged. b) You can check your bank balance on the ATMmachinesof other banks too and there is no fees for this! Not many people know this.c)If while withdrawing cash from ATM thetransactionhas been registered on the machine but you have got no cash from the machine due to mechanical failure, keep thetransactionslip and register your complain with thetransactionslip at your bank as soon as possible. Within 12 working days of lodging a complain, the money will come back into your account. If within 12 working days you do not get the cash back into your account, you are eligible to get interest @ Rs 100 per day.d)There is usually a helpline number mentioned on ATMmachinesin case of any problems. You can call the number and register a complain. .....
What to be done if your card is stuck in the ATM machine
3. a) If your card is lost or stuck up in your ATM machine, contact your bank immediately and ask them to block your ATM card. You will be given a complain number, be sure to note it down. b) As soon as possible, give a written complain to your bank and ask for acknowledgement of the complain. Apply for a new card subsequent to this step only.c) If your ATM is stuck up in a machine attached to your bank, it is more easier to retrieve it. In such a case just contact the branch manager. All you have to submit is your id proof. .....
Additional information
4. a)If you loose your pin and have applied for a new one, it takes a week to get a new pin.b) Make it a point tochangeyour pin manually once you receive it from the bank.In case of any problems with an ATMtransaction, you can ask the ATM guard for help, but be sure not to tell him your pin number. Never right your pin number on your ATM card.c) If you insert your card in the ATM of another bank and it says invalid activity , try the ATM of your own bank. There might be a technical problem. However if this message keeps coming, request your bank for a new ATM card.d) You can withdraw 15,000 25,000 rupees per day only through your ATM. If you cannot find the ATM of your own bank and use the ATM of another bank, you can withdraw Rupees 10,000 only at the maximum.e) Pick up the currency notes as soon as they come out of the ATM, else they may go back inside the machine again! If this happens the only thing you can do is to file a complain at your bank and the money will come bank into your account.f) If you do not get any cash from the ATM machine due to any error, keep the ATM slip safe as proof of failedtransaction. Good to keep a photocopy of thetransaction. An ATM machine stays active for 30 seconds after everytransaction, so you should leave the ATM machine only after the welcome logo is displayed again on the machine. .....
Never leave your ATMtransactionslip
5. Never leave your ATMtransactionslip at the machine, neither should you dump it at the dustbin. Keep the ATM receipts safe till you get yournextmonthly statement. On getting a new ATM card be sure to sign the back side immediately.At least once a month get your bank passbook updated. If there is any problem with any ATM transaction, contact your bank manager immediately. There is an expiry period mentioned on the back side of your ATM card. Be sure to apply for a new ATM card before the expiry period else the ATM card can swallow up your old ATM card! .....
Magnetic panel
6. There is a magnetic panel on the back side of your ATM card. Keep this safe from scratches and keep it away from your TV. If you have time, withdraw cash only through the authorized ATMs of your bank. The reason is that in case of any ATM error, you can get your cash back on thenextworking day itself. It takes more time if the ATM is of another bank. .....
Contacting your bank Ombudsman
7. If in two working days you do not get cash back into your account caused by a failed ATMtransaction, you can contact the Ombudsman of your bank. The details of contacting your bank Ombudsman will be available at your nearest bank branch. .....
Always be alert
8. Pay attention to the people around you and to the location of the ATM. If you see anyone suspicious or do not feel comfortable at the ATM, go to another location. All ATMs should be well lit, be in high traffic areas and provide an easy exit. When possible, have someone you trust or a security person accompany you an ATM you feel is not in a secured environment. .....
Be prepared to leave
9. If you notice anyone or anything that makes you feel uncomfortable at an ATM, end your transaction, secure your cash, card and receipt, and leave the area immediately. Do not stay at an ATM any longer than necessary. Report anything suspicious to a security person in the area .....
Have your information ready
10. Have your card and any deposit slips ready before arriving at the ATM to minimize the time you will spend there. At a Drive Up ATM, remain in car with the motor running and make sure your doors are locked and windows are closed. When you are ready to proceed with your transaction, open only the window needed to access the ATM. .....
Safeguard your card and PIN
11. Remember that an ATM card, with the proper indication number, allows an individual to access the money in your account. Make sure your ATM card is stored in a secured area. Never keep your PIN and your card in the same place. Try to refrain from copying your PIN. If you ever forget your PIN, just contact us for a reminder. .....
ATM Receipts
12. Never discard your ATM receipts near an ATM. Always secure your receipt when leaving the ATM and shred it as your means of disposal. Don t write down your PIN number anywhere...at least not on your ATM card. Memorize it. Further, don t disclose it to anyone, not even the bank officials. .....
Walk up ATM precautions
13. When using a walk up ATM, please be sure to position yourself so no one can observe you entering your PIN. Maintain a polite distance while waiting to use an ATM and make sure others do so too. If someone is crowding you at an ATM, leave immediately and come back later. .....
If your card is lost
14. If your card is ever lost or stolen, please report it to us as soon as you notice it missing. By reporting the missing card immediately, you will minimize your loss and liability. Do not use the ATM where the card reader appears to be tampered with, broken, scratched, damaged, sticky with glue, has extra wiring or loose parts around the slot, difficulty in inserting the card etc. These could be signs of skimming machine having been installed. .....
Check your statements
15. Each month, check your statement for debits you did not authorize. If you see any unauthorized debits, please contact us immediately. If there are people around, make sure that you shield your hand while entering your PIN. No one should be able to make out what numbers you are punching in. .....
Security
16. Your transactions truly are safe. Five Points Bank works with the leading technology partners to provide the most secure environment possible for worry free Internet Banking. Don t throw away the ATM transaction slips until you verify the transactions in the bank statement every month. .....
Privacy
17. At Five Points Bank, the basis of each customer relationship is trust. You have chosen to do business with Five Points Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to meet your financial goals. .....
Secure Communications
18. Data is encrypted as it travels to and from your PC. Encryption is accomplished through Secure Sockets Layer, the de facto standard for data encryption on the Internet. This means your sensitive financial information cannot be deciphered by unauthorized individuals. .....
Extended Validation SSL Online Identity Assurance
19. Extended Validation SSL Certificates were created in direct response to the rise in Internet fraud. Before customers share their confidential data online, they want proof of identification from a trusted source. Extended Validation SSL Certificates give high security web browsers information to clearly identify a website s identity. For example, in Microsoft .....
Secure Login
20. User IDs and passwords are stored on our bank s computer, isolated from the Internet, where they can never be accessed or downloaded by anyone on the Internet. In addition, because user passwords can vary from six to eight characters, the chance of randomly guessing a password is less than one in 1,000,000,000,000. (That s 1,000 billion!) .....
Secure Environment
21. Our computer system does not connect directly to the Internet. It is isolated from the network via a firewall a software and hardware product that defines, controls and limits the access that outside computers have to the bank s computer. This firewall subscribes to the standards set by the NCSA (National Computer Security Association). In other words, use of the firewall allows only authenticated bank customers or administrators to send or receive transactions through it. .....
Security Reviews
22. We provide continuous monitoring and auditing of all transactions originating from or outbound to the Internet. We operate with all the rules and regulations of banking and bank security as set forth by the Federal Deposit Insurance Corporation and Federal Reserve. We are committed to working with our communications providers to produce the safest operating environment possible for our customers and will take advantage of evolving security enhancements. .....
Treat your card like cash
23. Always keep your card in a safe place. Recent incident that skimming machines were installed at some ATMs in Mumbai and money running into lakhs was withdrawn abroad, has come as a shock to many. The use of ATM machines by people has reduced a great deal of workload of banks. The people are also happy to use ATMs as it is convenient. But unfortunately, there are many scandals and incidents associated with ATM cards. It is very common to hear that somebody has lost an ATM card and password and that the card has been misused by somebody else. In this article I will talk about the precautions that should be kept in using ATM cards and machines. .....
Do not disclose information about your card over the telephone
24. No one needs to know your PIN, not even your bank. If you perform transactions over the telephone using your ATM or Debit Card(s), never disclose your PIN. If your card is lost or stuck up in your ATM machine, contact your bank immediately and ask them to block your ATM card. You will be given a complain number, be sure to note it down. .....
Never disclose information about your card
25. Never disclose information about your cardin response to an unsolicited email or request. E mail is a common channel for fraud perpetration. Never provide your debit or credit card number, PIN or any other personal information to any entity in response to an unsolicited e mail or request. Stillman Bank will never ask you for your PIN. .....
Make sure your Internet shopping sites are secure
26. Make sure your Internet shopping sites are secure.Look for secure transaction symbols when shopping online to ensure your account information is protected. Always logoff from any site after you make a purchase. If you can t log off, shut down your browser to prevent unauthorized access to your account information. .....
Report a lost or stolen card
27. Report a lost or stolen card at onceto reduce the chance that it will be used improperly. Prompt notice of lost or stolen cards will also limit your potential liability for unauthorized transactions. Make it a point to change your pin manually once you receive it from the bank.In case of any problems with an ATM transaction, you can ask the ATM guard for help, but be sure not to tell him your pin number. Never right your pin number on your ATM card. .....
Review your bank account statements promptly
28. Review your bank account statements promptlyand report any errors including transactions you believe may be unauthorized as soon as possible. Again, a prompt notice will limit your potential liability for unauthorized transactions. If you insert your card in the ATM of another bank and it says invalid activity , try the ATM of your own bank. There might be a technical problem. However if this message keeps coming, request your bank for a new ATM card. .....
Always observe the ATM surroundings
29. Always observe the ATM surroundingsbefore conducting a transaction. If anyone or anything appears to be suspicious, leave the area at once. You can withdraw 15,000 25,000 rupees per day only through your ATM. If you cannot find the ATM of your own bank and use the ATM of another bank, you can withdraw Rupees 10,000 only at the maximum. .....
Make sure you have finalized the transaction
30. Make sure you have finalized the transactionand removed your card before leaving the ATM. Some ATMs ask if you want another transaction . You must reply No to close out your card s transactions. If you do not close your card s transactions and remove your card, the next ATM user can use your card. .....
Block the view of others when using the ATM
31. Block the view of others when using the ATM.Shield the keypad as necessary when entering your PIN and the amount so that it is not seen by anyone waiting. Pick up the currency notes as soon as they come out of the ATM, else they may go back inside the machine again! If this happens the only thing you can do is to file a complain at your bank and the money will come bank into your account. .....
Look for possible fraudulent devices attached to the ATM
32. Look for possible fraudulent devices attached to the ATM.If the ATM appears to have any attachments or alterations to the card slot or keypad, do not use the ATM. Report the potential problem to the bank that operates the ATM. If you do not get any cash from the ATM machine due to any error, keep the ATM slip safe as proof of failed transaction. Good to keep a photocopy of the transaction. An ATM machine stays active for 30 seconds after every transaction, so you should leave the ATM machine only after the welcome logo is displayed again on the machine. .....
When in line at a drive up ATM
33. When in line at a drive up ATM,keep your doors locked, windows up and engine running. Never leave your ATM transaction slip at the machine, neither should you dump it at the dustbin. Keep the ATM receipts safe till you get your next monthly statement. On getting a new ATM card be sure to sign the back side immediately. .....
Instead of debit method
34. When checking out with your purchases, consider using the credit method instead of debit method.Credit method requires your signature, not your PIN. That way you don t have to enter your PIN in view of the people behind you in the checkout lane. If you choose debit method, block the view of others when using the POS terminal. .....
Precautions while using enter your PIN
35. Never allow the cashier or any other person to enter your PIN for you,even if they are assisting you with the transaction. Always keep your PIN a secret. At least once a month get your bank passbook updated. If there is any problem with any ATM transaction, contact your bank manager immediately. There is an expiry period mentioned on the back side of your ATM card. Be sure to apply for a new ATM card before the expiry period else the ATM card can swallow up your old ATM card! .....
INTERNET BANKING CUSTOMERS
36. Cookies are pieces of data assigned by a web server to the browser on your PC. Cookies help websites keep track of your preferences and recognize return visitors. So, when you return to a website you ve visited before, your browser gives this data back to the server. Five Points Bank uses cookies to make your online experience richer and more personalized. As a matter of security, we do not embed your social security number or account number(s) in our cookies. Cookies, by themselves, cannot be used to find out the identity of any user.You cannot bank online without cookies. You can set your browser to reject cookies. However, if you choose to reject cookies, you cannot bank online with Five Points Bank. Browsers that reject cookies may not be able to log on to your favorite sites or use the features you like most within those sites. .....
INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES
37. NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: Five Points Bank 2015 N. Broadwell Ave, P.O. Box 1507, Grand Island, NE 68802 1507. .....
Never give out any personal financial information
38. Never give out any personal financial information (account numbers, social security number, etc.) to anyone on the phone unless you placed the call and know the company s privacy and security policy. Also, call your financial institution if you receive phone calls from individuals inquiring about your account balances or where to deposit your prize winnings. .....
Make sure your personal financial documents
39. Do not keep your personal financial information on your person unless you need to use it that day. Make sure your personal financial documents are secured. There is a magnetic panel on the back side of your ATM card. Keep this safe from scratches and keep it away from your TV. If you have time, withdraw cash only through the authorized ATMs of your bank. The reason is that in case of any ATM error, you can get your cash back on the next working day itself. It takes more time if the ATM is of another bank. .....
Check your credit report
40. Check your credit report at least annually to make sure unauthorized individuals are not accessing your credit information. If you receive a letter from a credit bureau referring to a credit check you did not authorize, please contact that credit bureau immediately. .....
Shred all pre approved credit
41. Shred all pre approved credit offers mailed to you which you do not accept. An unauthorized individual may gain access to this pre approved form and access credit in your name. There is a magnetic panel on the back side of your ATM card. Keep this safe from scratches and keep it away from your TV. If you have time, withdraw cash only through the authorized ATMs of your bank. The reason is that in case of any ATM error, you can get your cash back on the next working day itself. It takes more time if the ATM is of another bank. .....
Sign your cards
42. Immediately upon receipt of your credit or debit card, please sign the back of the card. Make sure when using a card at any point of sale that the cashier checks the signature on the card against your signature on the receipt (this will remind the cashier to check for card fraud in the future). .....
Take your receipts
43. Before leaving the area, make sure you have your original receipt and have destroyed any carbon with your account information. If in two working days you do not get cash back into your account caused by a failed ATM transaction, you can contact the Ombudsman of your bank. The details of contacting your bank Ombudsman will be available at your nearest bank branch. .....
Destroy all expired cards
44. Destroy all expired cards by cutting through the account number and signature area. Make sure no information can be obtained from expired credit or debit cards. Prepare your transactions (have card out, deposit slip filled out, etc.) before you approach the ATM to minimize the time spent at the machine. .....
Check your monthly statements
45. Make sure you compare your receipts and authorized drafts against your monthly account statement. If you notice any unauthorized charges, contact your financial institution immediately. Secure your monthly statements immediately after verifying the charges. .....
Choosing PIN
46. Do not use a number or numbers that can obviously be associated with you for instance your telephone number, birthday, your street number, driving license number or popular number sequences (such as 786 or 2005 or 1111). Be aware of your surroundings before, during, and after the completion of your transaction. .....
Ideally choose a random combination of numbers
47. Ideally choose a random combination of numbers this is the hardest for a criminal to guess. If this is difficult for you to remember then perhaps use a combination of double numbers e.g.99 along with two others that have some meaning for you. .....
Security information
48. Do not allow anyone else to use your card, PIN or other security information. 2) Always memorize your PIN and other security information. If the PIN you are provided with is difficult to remember, change it to something more memorable at a cash machine as soon as possible. 3) Always take reasonable steps to keep your card safe and your PIN secret at all times. Neither your bank nor any agency is authorized to ask you to disclose your PIN. .....
Precautions While Using ATMs
49. Automated Teller Machines (ATMs) provide a fast and convenient banking alternative for account holders. You can bank when you want and where ever you want because locations are so convenient. In order to mitigate risks of theft & frauds we re providing these ATM safety tips to help protect you and your account. .....
Remember ATM theft can occur in two ways
50. Unauthorized withdrawals from an account or b) The physical theft of cash as a person completes a transaction. The following advice for cardholders using cash machines will help minimize the chances of becoming a victim of such incidences. Payment Systems Department Guidelines For Account Holders Using Credit / Debit / Smart Cards. .....
Choosing an ATM
51. Always observe your surroundings before conducting an ATM transaction. If you see anyone or anything that appears to be suspicious, cancel your transaction and leave the area at once. If there is anything unusual about the cash machine, or there are signs of tampering, do not use the machine and report it to the bank immediately. 2) After dark, only use ATMs that are well lighted. 3) If possible, choose a machine in a busy area. A heavily trafficked location means additional security. 4) If you are followed after using an ATM, seek a place where people, activity and security can be found. .....
Leaving an ATM
52. After completing transaction, remember to take your card back. 2) Once you have completed a transaction, discreetly put your money and card in your pocket before leaving the cash machine. Do not count cash at ATM machine. 3) If the cash machine does not return your card, report its loss immediately to your bank. 4) Don t discard your receipts and mini statements or balance inquiry slips which contain important information. You get a receipt every time you make an ATM transaction. 5) Tear up or preferably shred your cash machine receipt, mini statement or Payment Systems Department Guidelines For Account Holders Using Credit / Debit / Smart Cards. .....
Safe Internet Transactions and Shopping Virtually and with your Cards
53. On the top of everything customers should make themselves familiar with the possible internet frauds. They should not be convinced by the persuasive and attractive traps of hackers. 2) Keep software updated (operating systems and browsers) because fraudsters and malicious hackers are very clever and have found vulnerabilities in software s (windows and browsers). Both institutions and customers should ensure that operating and browser softwares are kept upto date using legitimate upgrades and patches issued by the legitimate software vendors. 3) Make sure your computer has up to date anti virus software and a firewall installed. Firewalls can monitor both incoming and outgoing internet traffic and anti virus will protect your computer against Trojan and worm attacks. .....
ATM Security
54. Prepare your transactions (have card out, deposit slip filled out, etc.) before you approach the ATM to minimize the time spent at the machine.Do not display your cash; retrieve your card and receipt immediately.Verify the cash when you can safely do so.Save your receipt and match it to your statement.Do not accept assistance from strangers when using an ATM. Be aware of your surroundings before, during, and after the completion of your transaction. If the ATM is obstructed or it has poor lighting, go to another ATM. Consider taking another person with you to the ATM especially late at night. .....
Point of Sale Security
55. Do not allow a cashier or anyone else to enter your PIN for you. Block anyone else from viewing your PIN when using a POS terminal. Review the receipt before leaving. If you request cash back, immediately put it away before leaving. If using a POS terminal outside such as a gas station, be observant of your surroundings before making the transaction. If someone appears suspicious, leave and go to another POS terminal. If it is late night, take another person with you when using an outdoor POS terminal. If you feel you have been followed after making a POS transaction, drive to a crowded well lit area, fire station, sheriff or police department.Flash your lights and blow your horn to bring attention to you. If you are involved in a robbery situation while using your card, do not resist. .....
keep these tips in mind
56. Observe the area before approaching the ATM. If someone appears to be loitering around the ATM, go to another location. Then report the incident to the local police or sheriff s office. Try to bring someone with you when using the ATM at night. If the lighting around the ATM is not adequate, please report it to us by calling (337)237 8343 in Lafayette and (800)213 BANK (2265) outside Lafayette; meanwhile, use another ATM. Memorize your personal identification number (PIN). Don t write it on your card and always keep it secret even from your family and friends. Fill out all forms (such as deposit slips) beforehand and have your card ready. Report lost or stolen ATM cards immediately by calling (337)237 8343 in Lafayette and (800)213 BANK (2265) outside Lafayette. .....
During your transaction
57. If you become uncomfortable during your ATM transaction, use the Cancel key and leave the area. Protect the information on your card and your Personal Identification Number (PIN) by standing between the ATM and anyone who is waiting to use the machine. .....
When using night depositories
58. Observe the area before making your deposit. Try to bring someone with you when using the night deposit after dark. If you notice anything suspicious, leave without making a deposit. Then report it to the police. Deposit just one bag at a time; that s all most night depositories are built to handle. Don t resist if you are approached; remember everything you can about the person and call the police immediately. If you have a cell phone, bring it with you. And if you ever do see anything suspicious at any of our ATM or night depository locations, report it to the police immediately by calling 911. Please take a few seconds to observe the area and always exercise caution so that you can safely enjoy the many time saving benefits of our 24 hour banking services. .....
Before you go to an ATM
59. Minimize time spent at the ATM by filling out all forms, such as deposit slips, beforehand and having your ATM card out and ready to use. Protect your Personal Identification Number (PIN) and memorize it. Do not write your PIN on the card or carry it with you, and do not share your PIN with anyone, including family and friends.Consider having someone accompany you when the ATM is used after dark. .....
At the ATM
60. Focus on what you are doing. Don t use a cell phone or do anything else that diverts your attention. Never allow a stranger to assist you in conducting an ATM transaction, even if you have trouble. If the ATM retains your card, notify the branch as soon as possible. Prevent others from seeing your PIN entry by using your body or hand to shield the ATM keypad. If you are in a vehicle at a drive up ATM, only open your window when you are ready to make a transaction. Keep your doors locked and the engine running. When you are finished, put your receipt, card, and money away quickly. Count cash later in the safety of your vehicle, home, or other secure area. As you return to your vehicle after your transaction, have your car keys ready and observe the area around your vehicle. Go to the nearest public area where people are located if you are followed after making a transaction and call the police. If someone does approach you and demands your money, do not resist. Remember everything you can about the person and call the police immediately. .....
Debit Card Safety Precautions
61. Debit cards provide added convenience in accessing your accounts. Please consider the aforementioned safety precautions and additional protections listed below when using a debit card. Sign your card on the signature panel as soon as you receive it. Always keep the card in a safe place. When selecting a PIN, do not use your birth date, telephone number, or Social Security number. Never disclose your PIN to anyone. No one should ask for your PIN, including representatives from Bank of Central Florida. Do not disclose information about your card in response to an unsolicited e mail or request. If traveling internationally and using your debit card, call (863) 682 7100 to have a bank representative flag your account to avoid interruption in service. .....
Look for secure transaction symbols
62. Look for secure transaction symbols when shopping online to ensure your account information is protected. Consider using a credit card instead of a debit card for online purchases, as it may take more time to resolve unauthorized transactions or disputes with debit card fraud and money can be taken directly out of your checking account. Block the view of others when using a point of sale (POS) terminal in making debit card purchases. .....
Check your account history online
63. Review your bank statements or check your account history online regularly to verify if any unauthorized transactions are shown. Always keep your statements in a safe place. Report lost or stolen cards or unauthorized transactions on your account to Bank of Central Floridaimmediatelyby contacting (863) 682 7100during business hours. After hours, call(800) 236 2442to report a lost or stolen card. Providing prompt notice will limit your potential liability.For additional tips on dealing with a lost or stolen debit card, the Federal Trade Commission provides helpful information on .....
Worried about accruing credit card debt
64. Just make a commitment to pay it off monthly. Not only will you earn interest on your money that s in the bank during the month, you can earn frequent flyer points and other gifts from most credit cards. If the ATM is obstructed or it has poor lighting, go to another ATM. .....
Suggestions for handling PIN
65. While receiving the PIN please ensure that the envelope and the security document are not tampered with. In case of tampering contact call center immediately and do not use PIN. Do not reveal user PIN or any security information on card to anyone. Neither the Bank nor any Authorized Agencies will ever ask you to disclose your PIN. In case of any such happening please note the particulars of the caller and report to the call center executive (1800 180 2222(toll free)) and cyber crime cell (cybercrime@pnb.co.in), e mail (incident@pnb.co.in). .....
Conclusion
66. These days when people are replying more and more on ATMs for cashtransaction, things are bound to go wrong as the ATM machine is only a machine andmachinescan fail. There is no need to worry however, if you follow the above steps your ATM experience will be a pleasurable one. .....
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Dear Santa. Santa Mail sends personalised letters to children from Father Christmas. Letters are even mailed to St Nicholas Drive in Alaska. Since their start in 2002 the business has made over US$3 million. .....
Simple Tips To Living Longer
Keep them foods bright. Remember how those taut berries, deep red beet roots sliced into two halves, deep violet grapes and egg plants, orange and red carrots pop out of their place and catch your attention when you walk past the vegetable market? Thats because of their bri .....
Cutest Short Hairstyles
MICHELLE WILLIAMS. Michelle s deep side part and long bangs create a cool, asymmetrical look. I ve been seeing plenty of short cuts that are taking on more tomboy shapes, with details that have a masculine edge, says Mapile. .....
Coffee Shops Around The World
Rosetta Roastery in Cape Town South Africa. This minimalist shop has a black and white interior that will transport you to an old style caf. Theres no rush to order or to get customers out of the shop, but rather, they prefer you stay and discuss what you think of that days coffee of the day. .....
Reasons To Love The Monsoon
Green fields. Ever seen a paddy field or a patch of vegetables after the rain? There is nothing so lovely as the sight of rows upon rows of plants being washed clean by the rain.Even meadows and green slopes take on a spectacular green colour after a heavy shower; .....
Benefits of Fennel Seeds
Female reproductive system. Women who are going through menopause or are experiencing menstrual problems may benefit from the estrogenic properties of fennel. It has a balancing effect on thefemale reproductive system and increases the flow of body energy. Extracts of fennel ha .....
Healthy Skin
Stress less or workout more. Your body has natural defenses against stress, and you need to flush it out of your body as if it were a toxin or it will become physically visible. .....
Precaution while using Contact Lenses
Choose lotions before applying contacts. Choose an oilfree moisturizeror lotions before applying contacts. They can leave film on your lenses. Bring a copy of your prescriptions for glasses and contact lenses. These numbers are recognized globally and will be useful in case anything happens .....
What to Eat in Punjab
Pulse. A pulse sometimes called a grain legume, is an annual leguminous crop yielding from one to twelve seeds of variable size, shape, and color within a pod. Pulses are used for food for humans and other animals. Included in the pulses are. dry beans like .....
Precautions while using Power Supply
Post installation instructions. Observe the following items after removing/replacing a server component Be sure all components are installed according to the described step by step instructions. Check to make sure you have not left loose tools or parts inside the server. Reinstall .....
The Best Square Cars of all Time
FIAT PANDA. Giorgetto Giugiaro got it right first time when he penned the design for the original 1980 Fiat Panda. Now on to its third generation, the Panda proudly wears its square credentials throughout its cabin and boxy exterior. There are squircles ever .....
Rules to play Surfing
Legal Disclaimers. All participants agree to abide by the terms of these official rules and the Legal Disclaimers below, and by the decisions of Fantasysurfer.com, which are final and binding on all matters pertaining to the game. .....
Most Desirable Women
Meagan Good. The nice actress looks good .She is one of the few who made curves acceptable in the entertainment industry. .....
Precaution while using Homeopathy
Homeopathic Remedy Antidotes. Homeopathic remedies are essentially vibrational medicine, and they are easily overwhelmed by other strong material vibrations. Following the half an hour rule is of high importance when using homeopathic medications. Nothing should be consumed half .....
Social Media Networking Sites
Answers yahoo. Yahoo! Answers is a website that allows users to both submit questions to be answered and answer questions asked by other users. .....
Bollywood Beautiful Queens
Sonali Bendre. Sonali Bendre started out as a model before being selected for theStardust Talent Search. She was invited to Bombay and received training from a variety of top actors and performers of the Indian film industry. She make his Bollywood debut in Aag (19 .....
Kiran Bedi
Education. She did her schooling from the Sacred Heart Convent School in Amritsar. She completed her graduation in the English language from the Government College for Women in Amritsar. She received her Masters degree in Political Science from Punjab Universit .....
Precautions while using Microwaves
Dont use plastic wrappings. Only utensils designed for the purpose should be used in a microwave oven. Dont use plastic wrappings from purchased refrigerated foods in a microwave oven since they may melt. microwave leakage could still occur around damaged, dirty or modified mic .....
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