Conviction of Mind

In this year's budget, the tax slabs are unchanged and Rs. 2000/- tax credit has been introduced. The tax slabs as such remain the same For both Men and Women in India, Income                       - Tax slab upto 2 Lakhs              - Nil 2-5 Lakhs                  - 10% 5-10 Lakhs                - 20% Above 10 Lakhs        - 30% This Rs. 2000/- tax credit is not for all the tax-payers. It benefits 1.8 crore people in the income group of 2-5 lakhs. Essentially people who are getting less than 2 Lakhs (tax would anyway be NIL) and more than 5 Lakhs have their tax rates unchanged without any tax credit. For those who are under 2 Lakhs will not be credited Rs. 2000/- The individuals less than 60 years of age will be paying Rs.2000/- lesser if their income is between 2.2 and 5 lakhs. If they are earning more than 2 lakhs and less than 2.2 lakhs, there will be no tax for them. Similarly for the senior citizens, if their income is between 2.7 and 5 lakhs, they can reduce t

There are many things to look for when you are buying/renting a house. While buying a house, you may have some priorities and check-list. Also, while renting the house, you will have an eye on the rent and other agreement details. In common, there are many things to look for when buying or renting a house and I have listed the top 5 things, I think, here. (1) Good Locality       It is important to see whether it is in good locality. It reminds different things for different sort of people. Good locality can mean one or many of the below      (a) good residential place to live in      (b) few good schools and hospitals around      (c) friendly people nearby      (d) Good roads, have office nearby      (e) departmental stores and hotels nearby          The choice of above things depends on the sort of the people and the life-stage they are in. (2) Ample ground water supply      Water is a essential commodity and we require water for many things in our life. There should be a

Customer experience is the experience of the customer from the period they came to know about the existence of the product until they finish using the product. For a hotel like Saravana Bhavan, the customer experience is from the point they came to know about its existence (the day they started) until they are associated with that particular customer (probably, forever for Saravana Bhavan but it depends on each of the customer). For a typical brokerage firm, it is all about how easy it is to open the account and the experience until the customer closes the account. For BSNL or Samsung, it is from when the customer gets to know about their products (the point when they want to buy it) until the time they stopped using it. Customer service is also part of it. Its all about the customer service, once the customer has become the owner of the product. Most of the times, I have seen, the Customer Experience is great until one procure the product or service and after that, because of t

Couple of years back, the word "Samsung" always reminded me of the beautiful Home Appliances (read TVs, Air Conditioners and Fridges). But, it has also become one of the market leaders in Mobiles, Accessories and also Laptops. This leadership in other avenues have always come along with their prime home appliances growth as well. About three months back, I wanted to upgrade my 5 years old desktop. And I was in a shock to find most of the accessories had the option of Samsung in it (except the mother-board and processor, of course). When I tried to find the best option for internal hard disk, Samsung has created a good presence there. After the Samsung Galaxy series came into existence, it has grown to market leadership in India. The recent S4 as per the release has many good features and is comparable to iPhone. Nokia, once a leader in India, has completely lost the battle against Samsung in recent times.  One of the main reasons on why Samsung is preferred over o

Google has always been the front runner on creating new and exciting products. Even though they come up with lot of good products, I believe they sometimes close down some of their good products unnecessarily. When Google search came with a bang and captured most of the search market, it innovated many other new and better products not restricting itself to search engine alone. This gave way to them as a market leader in innovation (probably, Apple and Google fight here for the throne). Google has a bad habit of forcing the change on customers. Gmail, one of the best mail available in the market today, has always changed itself according to the company's vision. It would have been better if Google had provided the 'customize' option on Gmail to have it configured according to what they like by giving some options. On a funny note, one should be happy that, at least, its alive. Google announced its going to phase out Google Reader from July 1, 2013. Feedly is the perfe