The banking regulator has had a clean note policy for a

long while. It has tried to implement various changes like

asking banks not to staple the notes and urging people
not to scribble on these.Usually, people scribble at the
portion with the watermark, which is a major security
feature. If something is written in that area, there are
chances that sorting machines will reject it, if unable to
verify the watermark. Due to this, some public sector
banks have started rejecting notes with any scribble,
though there's no such directive from the central bank..
2
•Banks accept partially burnt notes if their essential
features are instact.
•Avoid scribbling as it damages watermark. Banks, however,
cannot reject it.
•Taped notes are valid for exchange if the two parts are of
the same notes.
•Half of the note can still fetch you half its value.
•Soiled notes can be exchanged at any bank branch, even if
you aren’t a customer.
•SOURCE :BUSINESS STANDARD
Citibank India, the local unit of US-based Citigroup
Inc., launched a global software development program,
Citi Mobile Challenge, that will allow web technology
companies and software developers to create digital
and mobile solutions for the banking, e-commerce and
financial payments sectors.
The move comes at a time when Internet adoption is seeing
a surge in India with more people getting online using
cheap smartphones and inexpensive data plans. With
nearly 300 million users, India has the third largest Internet
user base in the world.

The winners of the program will get cash awards worth

$100,000, opportunities to launch their products with the
support of the bank and sponsors of the event, including
investments and mentoring services.

The need for better quality control of the software

development process has given rise to the discipline of
software development program.
Axis Bank will upgrade close to about one-fourth, or
50,000, of its point of sale (PoS) machines so that they
can accept debit and credit card payments from
contactless cards. On Wednesday, the bank launched
contactless multi-currency forex cards in partnership
with Visa - the payments gateway company.
‘Tap and pay' refers to the use of near-field communication
(NFC) technology, which enables holders of 'contactless
cards' to make payments by waving or tapping the card
near the card reader. The NFC technology is picking up as
the customers does not have to punch in the four digit PIN.

• First Indian bank to offer contactless Forex Card (which

can load 15 currencies)
•Tap & Pay - A fast, easy and secure way of paying for
everyday purchases .
•To boost small ticket domestic e-transactions and move
towards a cashless economy.
What are prepaid forex cards?

Prepaid cards are used for making payments while you are
travelling abroad. These are pre-loaded and enable you to
access money in the required regional currency. You can
also top it up depending on your requirement.
The card allows you to withdraw cash in foreign currency,
check your balance and shop.
1. Banks issue pre-paid cards that are loaded with foreign currency and
can be used during foreign travel, without having to carry cash or
traveller's cheques.

2. A pre-paid forex card can be single currency, or multiple currency

card depending on the requirement of the user.

3. The currency loaded on the card is as per exchange rates on the date
of purchase, and any currency risk is borne by the customer.

4. Pre-paid currency cards can be used for online transactions and cash
withdrawal using a PIN assigned to the card.

5. Cards can be reloaded remotely at the bank, by a third party, who

should fill up all the required documents for transmitting of foreign
exchange as per RBI rules.
Stock Market is a place an individual wishes to invest but only
few go ahead as it requires ample knowledge and one wrong
decision can wipe out all the savings.

In India, trading can be done through Bombay Stock Exchange

(BSE) and National Stock Exchanges (NSE) are two stock
exchanges.

There are different ways by which one can start investing such as
online or through a stockbroker or investment firm.
1) Bank Account

It is very essential to have a bank account. This account will be useful when you want to
receive or hold funds for transaction.

2) Demat account

Demat account is mandatory if you want to hold securities in demat form. Means, you
can hold your equities, mutual funds and debentures in online form.

3) Trading Account

Trading account is used for placing buy or sell orders. The main transaction of shares is
done through the trading account.
4) Fair Knowledge on concepts

Gain knowledge on the necessary concepts before investing. Understanding on

financial earnings, annual reports, and any news of the investing company will
help you make better decisions. This is a share market investment basic that is
much required. Read all Personal Finance and Classroom articles If not, one
can always seek help of stock brokers or of intermediaries.

5) How to invest small amounts in the stock market?

If you are a beginner, it makes sense to invest small amounts in the stock
market. Once you begin understanding the finer nuances of the markets, you
can take a greater exposure. Investment depends on your risk and tenure of
your investment. Remember, another factor is your age.

When you are young your risk taking ability is far greater. As investing in stock
market comes with the risk, one should be careful and wise on deciding the
amount of investment. Investors should be aware about the risk that they are
taking and should invest in such that it should match their risk tolerance. Many
analysts and experts suggest taking the Systematic Investment Plan route to
invest. In this mechanism one invests a small amount each month in a
systematic way. The one advantage of doing so, is that it enables you to average
out costs, in case the markets fall.
What is Instagram ?

Instagram is an online mobile photo-sharing, video-sharing and social

networking service that enables its users to take pictures and videos,
and share them on a variety of social networking platforms, such as
Facebook, Twitter, Tumblr and Flickr.

Instagram's latest update has removed the ability to choose which

photos get uploaded to your Photo Map, with all photos now tagged
with a location automatically added to your map.
•This was useful if you took a photo and tagged it, but didn't want to
share your exact location on the map because your profile was not set to
private, allowing anyone can access your profile, Photo Maps, and
potentially, your exact location at any given time.

•Instagram's Photomap help page has also been updated to reflect the
changes, but what is concerning is that many people may not realize
that they'll essentially be giving away their locations automatically now
if they tag their photos with a location.
•
•Of course, if you want to keep your images tagged, Instagram does let
you remove photos from your Photomap, but it's a bit of a lengthy
process.

•The Photo Maps button allowed users to choose which geo-tagged

photos, showing at times your exact location, they wanted to add to
their maps and which they didn't.
Looking for a job when you’re unemployed is tough. On the
plus side, you have plenty of time to interview. The negative
side is that many employers prefer to hire candidates who
are already employed.

Despite the advantage of being more attractive to potential

employers, looking for a job while holding down a full-time
job has another set of problems.
1. Attire Upgrade
Give your work wardrobe a face-lift before you start looking for a new opportunity. If you
work in a very laid-back environment, swap casual slacks for jeans a couple of days a
week. Wear a jacket once in a while, even if you keep it on the back of your chair most of
the day. That way when you do come to the office dressed for a job interview no one will
be the wiser.

2. Don’t Attract Attention

Turn off your activity broadcasts on LinkedIn before you begin your job search.So be sure
to go to your “Privacy & Settings” page and “Turn off your activity broadcasts” under
“Privacy Controls.”

3. Not At The Office

Don’t use your company computer for your job search. Many companies monitor
employee activity, and you certainly don’t want your employer reading emails you’ve
exchanged with recruiters.

4. Keep Quiet
Keep your job search close to the vest. Be careful who you tell. Not only might your
colleague inadvertently let your secret slip it may change his or her opinion of you. You
may be considered disloyal. Also, avoid complaining about your current job or talking
about looking for a new one on social media. You never know who will see your post or
take a screenshot and pass it on to your current employer.
• Ambition is an idol, on whose wings great minds are
carried only to extreme; to be sublimely great or to be
nothing. - Robert Southey

• Ambition is the last refuge of failure. - Oscar Wilde

• Big results require big ambitions. - James Champy

• Don't be afraid to give up the good to go for the great.

- Kenny Rogers

• Great ambition is the passion of a great character.

Those endowed with it may perform very good or very
bad acts. All depends on the principals which direct
them. - Napoleon Bonaparte.

- FAMOUS QUOTES
How To Advance Your Skills

If you’re worried that you might not be getting the experience you need,
here are three ways to keep fortifying your professional talents:

1. Actively Seek Ways To Use Your Skills At Work

Whether you’re a writer working in sales or a business major working at

a bank, there’s always some way of using the skills you’ve studied and
practiced – wherever you go. You just have to actively seek it out.
2. Ask Your Boss To Give You More Responsibilities

Taking on tougher tasks will help challenge you in the work field, and asking
your employer for more responsibilities shows that you’re not afraid of a
challenge. It also helps you stand out from the other employees in all of the
right ways. It’s a win-win, you get to put your skills into practice and your
employer has less work to think about.

3. Start A Blog And Utilize Social Media

Even if you’re not into blogging, tweeting, or posting on other people’s walls,
learning how to market your company will help you learn more about who
you’re working for.

The more you know about your employer’s business, the easier it will be for you
to figure out how you can continue to be a valuable asset to that company.
Resume writing doesn’t have to be daunting. There are many great
guides online that can give you an excellent starting point. Here are five
specific tips for making sure YOUR resume stands out from the crowd.

1. Use a contemporary format.

Dump the old style resume for a clean, contemporary look. Use lots of
white space and a sans serif font like Calibri or Arial. Don’t make your
reader pull out the reading glasses to read it. Keep the formatting clean
and simple. Bold with purpose and keep the formatting simple, clean
and easy to read.

2. Quantify your accomplishments.

For some people, quantifying their accomplishments may feel like a
challenge, but it really shouldn’t. Quantifying accomplishments means
providing information in terms of numbers related to your
achievements and successes
3. Use action verbs to describe your accomplishments.

This may seem relatively simple at first, but I want to make sure you get that you need to
use meaningful verbs. Additionally, do not overuse the same verbs to the point of
appearing not to be very imaginative. For example: led, managed, administered,
coordinated, delivered, operated, built, constructed, etc.

4. Remember to keep in mind the question, “What does it mean to your potential
employer?”

When a potential hiring manager is looking at your resume, you want to be answering the
unspoken question, “What can you do for me?” You want to demonstrate how your
experience can benefit him or her and/or their company. As you are crafting your resume,
approach it from the standpoint of what you bring to the position.

5. Make your resume 100% error free.

This may sound like a no-brainer, but you may be surprised—or not—by the number of
resumes I review that have spelling errors, spacing issues, punctuation problems, etc. You
will get tired of looking at it so make sure that your resume is 100% error free.

There you have it. Five (5) tips on how to make your resume stand out so that you get the
follow-up phone call asking you to come in for an interview. Good luck!

- CAREEREALISM