All Banks offering credit card services, have a payment drop box facility.
All credit card payments are either accepted thru cheque which is to be dropped in the payment drop box or cash.
Making payment thru cash has an additional cash handling charges.
If a consumer drops a payment cheque in the drop box, he is not given any proof of deposit of payment.
If a payment is lost in the process the entire blame is put on the consumer and he is made to run from pillar to post and is asked to check the status at the branch the payment was initially dropped, and if the cheque is shown received by the branch but not presented then he is asked to contact the head office.
During all this process the entire blame is put on the card user for not making the payment on time, and no complaint is launced either by the head office or the call center, putting the entire blame to the consumer for missing the payment.
This I am telling thru a personal experience. Where my payment of Rs.435 to RBS card ending 9591 has been missed.
The shara-e-faisal branch of the bank claims to have received the cheque and have forwarded the cheque to the head office, advising me to check with the head office about the delay.
On contacting the head office I was told that the cheque was never received from the shara-e-faisal branch.
While the new month's bill has been generated and I am charged Rs. 1000 as late payment fee charge.
I am stranded by the bank as the bank will not accept my claim of having made the payment and is insisting on me that the delay has been on my part only.
I request the authorities concerned to streamline the process and the customer be issued a receipt if making the credit card payment thru cheque or some other system by which the payments are acknowledged by the bank.
Wednesday, July 21, 2010
Nigerian Film Industry - third largest in the world.
It was hard to believe but true. Nigerian Film Industry is the thrid largest film industry in the world.
While watching National Geographic the other day it was revealed on me that Lagos has only one cinema but still Nigeria is the third largest film industry of the world.
The filmmakers do not make the films specifically for the box office, but directly release the film on CDs and DVDs so people can watch it in their homes even.
The cameras and equipments they have are out dated and they do not try to copy from Hollywood or any other films but have their own stories based on their own social and culturals factors. Making a Nigerian movie costs an average of US$ 25000
While we find our filmmakers complaining about decreasing number of cinemas and the indian movies being released on box office and on DVDs hurting the cause of the local cinema.
May be its time to think out of the box and release the movie on box office and on CD at the same time.
With so many TV channels available, it wont be a big ask to market their movie thru the tv channels and tempt the viewer on buying the locally realease movie on dvd.
It is also to be understood that watching movie in cinema is not easy. A family of 5 will have to spend an average of Rs. 1000 to just watch the movie, while the entertainment that goes with the movie is a separate entity.
While the competition with Indian movies cannot be ignored, but trying to go out of the box may pay off.
While watching National Geographic the other day it was revealed on me that Lagos has only one cinema but still Nigeria is the third largest film industry of the world.
The filmmakers do not make the films specifically for the box office, but directly release the film on CDs and DVDs so people can watch it in their homes even.
The cameras and equipments they have are out dated and they do not try to copy from Hollywood or any other films but have their own stories based on their own social and culturals factors. Making a Nigerian movie costs an average of US$ 25000
While we find our filmmakers complaining about decreasing number of cinemas and the indian movies being released on box office and on DVDs hurting the cause of the local cinema.
May be its time to think out of the box and release the movie on box office and on CD at the same time.
With so many TV channels available, it wont be a big ask to market their movie thru the tv channels and tempt the viewer on buying the locally realease movie on dvd.
It is also to be understood that watching movie in cinema is not easy. A family of 5 will have to spend an average of Rs. 1000 to just watch the movie, while the entertainment that goes with the movie is a separate entity.
While the competition with Indian movies cannot be ignored, but trying to go out of the box may pay off.
city government road side cabins - karachi
The city government in good faith, introduced road side cabins to accommodate street vendors, to have a better looking, proper space for their business. This was as good as legalizing their road side business by giving them a proper place to conduct business.
These roadside cabins are already built on footpaths, which hinder the movement of pedestrians who wish to use the footpath and hence have to walk on the road.
The cabin owners have started abusing the space allocated to them, by encroaching at least 5 feet further out of their cabins, putting their shop stuff like display counters or chairs and tables, further blocking the road and leaving just little space for cars and people to pass by.
The city government should ensure that the cabin owners only use the specified cabin space and do not further encroach out of their allocated space, as this is causing longer term menace to pedestrians, cars and passers by.
These roadside cabins are already built on footpaths, which hinder the movement of pedestrians who wish to use the footpath and hence have to walk on the road.
The cabin owners have started abusing the space allocated to them, by encroaching at least 5 feet further out of their cabins, putting their shop stuff like display counters or chairs and tables, further blocking the road and leaving just little space for cars and people to pass by.
The city government should ensure that the cabin owners only use the specified cabin space and do not further encroach out of their allocated space, as this is causing longer term menace to pedestrians, cars and passers by.
Thursday, May 20, 2010
Facebook banned in Pakistan till 31st May 2010
Facebook is banned in Pakistan till 31st May 2010.
So all the facebook addicts will have to start to learn ti live without facebook or may be turn to some other similar site.
So the presence of pakistani community on facebook would be at minimum.
So all the facebook addicts will have to start to learn ti live without facebook or may be turn to some other similar site.
So the presence of pakistani community on facebook would be at minimum.
Friday, April 23, 2010
No neck tie and coats - save electricity
Government of Pakistan and private sector should look upon two more measures to ease up pressure on the electricity.
That is neck tie and coats / blazers in offices in summer.
Since neck tie tend to tie around the person's neck, it greatly increases persons requirement for more air and space.
So is the case with the coats and blazers, which when worn in the summer will make the person feel warm and would increase the requirement to keep in cool / air conditioned environment.
The dress code for summer should be halfsleeves shirts, with open neck button to ease up the summer heat.
Kurta shalwar can be a great alternate as it allows fair enough air around the body and dress.
That is neck tie and coats / blazers in offices in summer.
Since neck tie tend to tie around the person's neck, it greatly increases persons requirement for more air and space.
So is the case with the coats and blazers, which when worn in the summer will make the person feel warm and would increase the requirement to keep in cool / air conditioned environment.
The dress code for summer should be halfsleeves shirts, with open neck button to ease up the summer heat.
Kurta shalwar can be a great alternate as it allows fair enough air around the body and dress.
Wednesday, March 31, 2010
Day Light Saving Time for Winter
We are a country where office business timings are determined by sunrise and sunset and not by the watch.
It is observed that majority of the business in Pakistan work till sunset or maghrib prayers.
I remember in school days when i used to visit my father's office, his office timings were usually till maghrib. It was like he would leave the office after offering the maghrib prayers be it summer or winter.
While the west observes day light saving in spring and summer.
It would be a wise idea if we Pakistanis observe the day light saving time in winters.
This will mean longer days in winter, hence more business hours but less use of electricity.
Also, people will start their day early, and will give them a chance to offer the Fajr prayers well around office and school timings.
And also since sun sets early, people tend to switch on the lights early hence using electricity for longer period of time.
Hence advancing the clock forward in winter for an hour will save that one hour of electricity usage, which can then be saved and used for summer.
May be government need to go anti-west on this strategy.
It is observed that majority of the business in Pakistan work till sunset or maghrib prayers.
I remember in school days when i used to visit my father's office, his office timings were usually till maghrib. It was like he would leave the office after offering the maghrib prayers be it summer or winter.
While the west observes day light saving in spring and summer.
It would be a wise idea if we Pakistanis observe the day light saving time in winters.
This will mean longer days in winter, hence more business hours but less use of electricity.
Also, people will start their day early, and will give them a chance to offer the Fajr prayers well around office and school timings.
And also since sun sets early, people tend to switch on the lights early hence using electricity for longer period of time.
Hence advancing the clock forward in winter for an hour will save that one hour of electricity usage, which can then be saved and used for summer.
May be government need to go anti-west on this strategy.
Day Light Saving Time for Winter
We are a country where office business timings are determined by sunrise and sunset and not by the watch.
It is observed that majority of the business in Pakistan work till sunset or maghrib prayers.
I remember in school days when i used to visit my father's office, his office timings were usually till maghrib. It was like he would leave the office after offering the maghrib prayers be it summer or winter.
While the west observes day light saving in spring and summer.
It would be a wise idea if we Pakistanis observe the day light saving time in winters.
This will mean longer days in winter, hence more business hours but less use of electricity.
Also, people will start their day early, and will give them a chance to offer the Fajr prayers well around office and school timings.
And also since sun sets early, people tend to switch on the lights early hence using electricity for longer period of time.
Hence advancing the clock forward in winter for an hour will save that one hour of electricity usage, which can then be saved and used for summer.
May be government need to go anti-west on this strategy.
It is observed that majority of the business in Pakistan work till sunset or maghrib prayers.
I remember in school days when i used to visit my father's office, his office timings were usually till maghrib. It was like he would leave the office after offering the maghrib prayers be it summer or winter.
While the west observes day light saving in spring and summer.
It would be a wise idea if we Pakistanis observe the day light saving time in winters.
This will mean longer days in winter, hence more business hours but less use of electricity.
Also, people will start their day early, and will give them a chance to offer the Fajr prayers well around office and school timings.
And also since sun sets early, people tend to switch on the lights early hence using electricity for longer period of time.
Hence advancing the clock forward in winter for an hour will save that one hour of electricity usage, which can then be saved and used for summer.
May be government need to go anti-west on this strategy.
Thursday, March 25, 2010
New Tax Recommendation: Inconvenience Tax
The government is looking to increase the tax revenue.
I have a suggestion for the government which can easily increase tax collection so much so that 98% of the population would be made to pay the tax.
This tax can be called "Inconvenience Tax"
Government should collect tax from the common man for all the inconveniences faced by him.
Since every citizen of Pakistan face inconvenience almost every day, this will hugely increase tax collection of the government.
People can be made to pay tax for the inconveniences faced by them on daily basis in shape and face of electricity load shedding, gas load shedding , water shortage, inconvience faced during vip movement, inconvenience faced by bomb blasts, riots and other such events. Inconvenience faced when dealing with government agencies, police, law enforcers. Inconvenience faced due to dug up roads, traffic jam, and accidents.
This tax can be collected thru utility bills. Inconvenience tax can be calculated on the total number of outages in the month, hence taxed accordingly.
Other taxes like inconvenience caused during vip movement can be charged directly to the people utilizing the inconvenience by mobile tax collection units and charging them at the time of inconvenience faced.
If government imposes these steps it can greatly increase tax collection.
I have a suggestion for the government which can easily increase tax collection so much so that 98% of the population would be made to pay the tax.
This tax can be called "Inconvenience Tax"
Government should collect tax from the common man for all the inconveniences faced by him.
Since every citizen of Pakistan face inconvenience almost every day, this will hugely increase tax collection of the government.
People can be made to pay tax for the inconveniences faced by them on daily basis in shape and face of electricity load shedding, gas load shedding , water shortage, inconvience faced during vip movement, inconvenience faced by bomb blasts, riots and other such events. Inconvenience faced when dealing with government agencies, police, law enforcers. Inconvenience faced due to dug up roads, traffic jam, and accidents.
This tax can be collected thru utility bills. Inconvenience tax can be calculated on the total number of outages in the month, hence taxed accordingly.
Other taxes like inconvenience caused during vip movement can be charged directly to the people utilizing the inconvenience by mobile tax collection units and charging them at the time of inconvenience faced.
If government imposes these steps it can greatly increase tax collection.
Thursday, March 11, 2010
Imran Khan should join the government
Imran Khan's political's party Tehrik-e-Insaafs main tag line is Justice.
He idealized the view points of Mahatir Mohammad and Khan's mojor focus in on the youth of Pakistan.
I would suggest Imran Khan to join the current government -and take up the ministry of either education or sports.
Education and Sports are the two things that are directly linked to the youth of Pakistan and Education is the main backbone of any nation.
In this way he would be able to reach the masses and his target voters as he would be working for the students and youth of Pakistan either being in the sports or education ministry.
This will also help himself prove to the world and the nation that he is capable of delivering and can help him promote his party in the long run.
He idealizes Mahatir Mohammad who was first appointed as the education minister before becoming the prime minister of Malaysia.
He idealized the view points of Mahatir Mohammad and Khan's mojor focus in on the youth of Pakistan.
I would suggest Imran Khan to join the current government -and take up the ministry of either education or sports.
Education and Sports are the two things that are directly linked to the youth of Pakistan and Education is the main backbone of any nation.
In this way he would be able to reach the masses and his target voters as he would be working for the students and youth of Pakistan either being in the sports or education ministry.
This will also help himself prove to the world and the nation that he is capable of delivering and can help him promote his party in the long run.
He idealizes Mahatir Mohammad who was first appointed as the education minister before becoming the prime minister of Malaysia.
Friday, February 19, 2010
National Language Authority ?
http://epaper.dawn.com/ArticleImageEx.aspx?article=18_02_2010_002_012_009&type=2
The caption for the photo somewhere read "National Language Authority Chairman"
By National Language Authority, I assume that this is some thing relating to Urdu Language.
If that is the case then this is very unfortunate that we cannot come up with urdu names for such organizations.
Why have an english name for an organization that is trying to promote urdu language. Wont an urdu name have a better effect and a better meaning to the organizations efforts and goals ?
Next in line can be the organization for "Society for the promotion of Urdu"
Same is the scenario with "Urdu Dictionary Board" which has the duty to set up a urdu dictionary but itself is named in english.
People talk of saving the urdu national language, but how can this be achieved if they name their own society and organizations in english.
The caption for the photo somewhere read "National Language Authority Chairman"
By National Language Authority, I assume that this is some thing relating to Urdu Language.
If that is the case then this is very unfortunate that we cannot come up with urdu names for such organizations.
Why have an english name for an organization that is trying to promote urdu language. Wont an urdu name have a better effect and a better meaning to the organizations efforts and goals ?
Next in line can be the organization for "Society for the promotion of Urdu"
Same is the scenario with "Urdu Dictionary Board" which has the duty to set up a urdu dictionary but itself is named in english.
People talk of saving the urdu national language, but how can this be achieved if they name their own society and organizations in english.
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