Improve your customer service: Pranab to private banks - Business ...

New Delhi: Concerned over large complaints against private sector and foreign banks, Finance Minister Pranab Mukherjee on Saturday asked them to focus on improving customer service.

"It is heartening to know that as per the latest annual report of the Banking Ombudsman Scheme, the total number of customer complaints received by the Ombudsman in 2010-11 are 11 per cent less than the previous year," Mukherjee said.

"However, private sector and foreign banks which account for only 12 per cent of the rural deposits, contribute 35 per cent of the total complaints," he said.

During 2010-11, 71,274 complaints were received under Banking Ombudsman Scheme against 79,266 in the previous fiscal.

This requires efforts on their part to redress the complaints, he said at a function here to open 100 branches of Kerala based Federal Bank simultaneously all over the country.

During 2010-11, 71,274 complaints were received under Banking Ombudsman Scheme against 79,266 in the previous fiscal.

As per the report, 6,895 complaints were against ICICI Bank and 5,590 against HDFC Bank. There were 2,144 complaints against Standard Chartered Bank, 1,865 against HSBC, 629 against Barclays Bank and 967 against Citibank NA.

On the issue of subsidy transfer, Mukherjee said the government is in the process of implementing e-payment system for the direct credit of dues from the central government to the beneficiaries of various subsidies.

"I had announced in my Budget last year that e-payment system will bring transparency and expedite direct payment of subsidies to the targeted beneficiary of fertilisers, Kerosene and cooking gas. Banks have to gear themselves up for this path-breaking reforms," he said.

On financial inclusion, Mukherjee said public sector banks had been directed to provide banking services to areas with population of over 2,000 by March 2012.

"To the end of January 2012, we have covered nearly 63,000 villages, of the targeted 74,000 villages. I hope in the in the next few years we...cover all habitations over 1,000 population," he said.

Effective and efficient banking system is the backbone of the growing economy, he said, adding, "as we move ahead on the path of the development a major challenge is to strike a balance between the two objectives of increasing banking access and improving quality of customer service and customer protection."

Meanwhile, Federal Bank open 100 new branches at one go to take the total network to 938. The bank plans to raise the number of branches to 1,000 by mid-2012.

It is looking at a net-profit of Rs 700-800 crore in the current fiscal.

It recorded a net-profit of Rs 202 crore during the third quarter this fiscal, while the total business of the bank was about Rs 80,000 crore at the end of 2011.

Source: http://ibnlive.in.com/news/improve-your-customer-service-pranab-to-banks/237938-7.html

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Experimental Research on Treatment of Breast Cancer with ...

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Tumor Research

[Abstract]

Background: Epidermal growth factor receptor or HER-1/erbB-1 is a member of the trans-membrane receptor with tyrosine kinase activity, HER/erbB family, which plays important roles in regulating tumor proliferation, metastasis, invasion and DNA reparation. EGFR expresses in all of the normal epidermal cells, its over-expression, gene amplification and mutation are detected in many tumors. In an experimental model, we found that EGFR expression augmented with tumorigenicity increase, and the transformed phenotype could be reversed after transfection with an EGFR antisense RNA expressing vector. In order to find a new therapeutic manner for breast cancer, we exploited a recombinant EGFR antisense adenovirus, AdE5, and find it can increase the anti-tumor effect of ionizing radiation on breast cancer cells in vitro.Objective: To investigate the antitumor effects of recombinant EGFR antisense adenovirus (AdE5) plus radiation on breast cancer cells.Methods: Human EGFR cDNA fragment was subcloned in the opposite orientation to the cytomegaloviral promoter and inserted into an E1/E3-deleted type 5 adenoviral vector to obtain AdE5 construct which expresses EGFR antisense RNA. MDA-MB-231 human breast cancer cells were cultured in vitro and then injected s.c. into right flanks of nude mice. Two intra-tumoral injections of 100 ?l PBS buffer containing 10~9pfu of AdE5 or AdCO1 or PBS alone were practiced every other day, tumors were then irradiated 6Gy once using 6 MeV electronic ray. Effects of AdE5 on tumor growth, Ki-67 expression and MVD were evaluated.Results: AdE5 inhibited tumor growth, and the tumor relative growth index was decreased more severely when it was combined with ionizing radiation ascompared with other control groups (p

Title: Experimental Research on Treatment of Breast Cancer with Recombinant EGFR Antisense Adenovirus Plus Ionizing Radiation

Category: Tumor Biol

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Source: http://www.tumorres.com/tumor-biol/32571.htm

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Carnival goes to the dogs with Rio pet parade

A disguised dog is seen during the "Blocao" dog carnival parade in Rio de Janeiro, Brazil, Sunday, Feb. 12, 2012. (AP Photo/Silvia Izquierdo)

A disguised dog is seen during the "Blocao" dog carnival parade in Rio de Janeiro, Brazil, Sunday, Feb. 12, 2012. (AP Photo/Silvia Izquierdo)

A dog disguised as a devil is seen during the "Blocao" dog carnival parade in Rio de Janeiro, Brazil, Sunday, Feb. 12, 2012. (AP Photo/Silvia Izquierdo)

A disguised dog is seen during the "Blocao" dog carnival parade in Rio de Janeiro, Brazil, Sunday, Feb. 12, 2012. (AP Photo/Silvia Izquierdo)

A disguised dog licks water during the "Blocao" dog carnival parade in Rio de Janeiro, Brazil, Sunday, Feb. 12, 2012. (AP Photo/Silvia Izquierdo)

A man and a woman take their dog to the "Blocao" dog carnival parade in Rio de Janeiro, Brazil, Sunday, Feb. 12, 2012. (AP Photo/Silvia Izquierdo)

RIO DE JANEIRO (AP) ? Most pre-Carnival street parties in Brazil are all about samba, but the moves on display at Sunday's Blocao parade were focused more on wagging and strategic sniffing than on fancy footwork.

Hundreds of decked-out dogs ? and a few brave cats ? got in on the Carnival fun at Rio de Janeiro's annual pet-friendly parade: Labradors in pink tutus or engineers' overalls cavorted with Maltese terriers with fairy wings, and poodles in superheros' capes sniffed sausage dogs dressed up as Salome, with sequin-covered harem pants.

Carnival is perhaps the defining moment in Brazilian life, and the annual Blocao ? a play on the word for street party, "bloco," and dog, or "cao" ? allows four-legged family members a chance to take part in the fun.

"The animal excitement is taking over Copacabana," said Blocao organizer Marco Antonio Toto as the parade's sound truck, topped by an enormous inflatable terrier, crawled its way down the seaside Atlantica Avenue. "The neighborhood of Copacabana has currently the most dog owners per square meter. It deserves this prestigious party. Our animals deserve this celebration."

Talent agent Ariane Raballo made the trip from Rio's sister city of Niteroi to parade with her two mini Yorkies dressed as Carmen Miranda, complete with cornucopias of tiny tropical fruits on their heads.

"We come every year," said Raballo, as Maia and Lady Kate strained at the leash to sniff the four-legged passers-by and posed coquettishly as parade-goers of the two-legged variety snapped photos with their iPhones. "They love it."

Spirits were high, and there was remarkably few fights: Gigantic Rhodesian ridgebacks romped with teacup poodles, and lumbering labs palled around with cocker spaniels. Leashes required constant detangling as new friends taking in each others' scent tied themselves in knots.

Even Kiko, a 3-year-old dachshund dressed as a hot-dog, was enjoying himself.

"Normally, he's not a very social dog, with humans or other dogs," said his owner, Denis Naiff, a psychology professor whose wife and daughter were sporting matching hamburger hats. "But he's really having fun. Must be the Carnival spirit."

The heat looked to have some of the dogs down, and some owners poured water into their pets' mouths to cool them down.

Eduardo Jonathan, a 31-year-old makeup artist dressed as Batman, said he was suffering under his rubber costume, though Batman Jr. his 5-year-old Yorkie, looked to be taking the heat in stride. The dog hammed it up for the TV cameras as Jonathan and a friend disguised as the Joker sweated off their facepaint.

Two men dressed as giant ticks looked even hotter. Their many-legged costumes were made out of synthetic fur, and both had removed their masks so as to avoid suffocation as they passed out fliers for an anti-parasite spray.

"I think the fact that the Blocao exists and that so many people are here with their pets shows that the attitudes toward animals are changing here," said Elisabeth Monetiro, a public servant attending with her two of her three rescue dogs. Three-year-old mutts Princesa and Juliette were dressed up as she-devils, complete with glowing red horn headbands.

"Finally, society is starting to understand that even if you don't like animals, you have to respect them," said Monteiro, who volunteers with an animal rights group.

London-based ceramist Mario d'Oliveira was using the occasion to make a different kind of point.

Holding an "invisible dog" on the end of a stiff wire leash, d'Oliveira approached passing children, who either laughed or nearly cried at his antics.

"You can tell a lot about people by how they react," he said. "An invisible dog is also quite a conversation piece, so you when you walk him, you end up making lots of new friends."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-02-12-LT-Brazil-Canine-Carnival/id-0186272b48204e8f9ca4744575dd3849

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Helpful Small Business Leadership ? What Does It Involve ...

Though people often associate business leadership with large businesses, small businesses need compelling leaders also. If you own a small business, you have to accept the responsibility for effectively leading the small number of people that you have. This article will have a look at what?s presently involved in being a small business executive.

Each leader needs to possess the attribute of vision, whether they lead a very small or a very large organization. In other words, you know precisely what your business is trying to do and how you would like it to advance down the road. In your position of leader, you must be sure that all your people are familiar with this vision. Obviously, you need to monitor what goes on day to day, but it?s crucial that you keep your vision for the future in the forefront of your everyday thinking. You can keep people informed about this through group meetings, in advertising materials and by the method you use for establishing your organization?s priorities. To illustrate, if you wish to increase the size of your organization by 100% within the next five years, ensure that all your efforts are pointing toward this goal.

An owner of a small business should keep his or her pulse on the everyday routines of the business. Although you have to learn how to hand over tasks, you still need to set a good example by working very hard. Optimally, a leader leads by example; therefore, you have to work very hard in the business if you want your staff to do the same. For example, your staff will not be wanting to get to work promptly and give you all they?ve got if you?re always coming in late or leaving early yourself. Being passionate and dedicated can be catching, so the more your workers see these attributes in you the more likely they will be to experience the same thing.

If you would like set a strong example as a small business leader, you need to be good at overcoming obstacles. This is one of the defining characteristics of a good leader, and it?s something you can get better at if you put your mind to it. Many people stop trying very easily, and when they come across a problem or obstacle they think the task can?t be done. As a leader, you need to be resourceful and driven to find a Plan B when Plan A fails to work out. A good leader motivates the people around him to be problem solvers who don?t give up until they?ve exhausted every possibility. The more you can do this yourself, the more your employees will be willing to do the very same.

As a small business owner, you should never undervalue the importance of providing strong leadership for your company. Because this is your business, you have no one else to blame or turn to when things fail, so you have to take complete responsibility for everything. This includes establishing the type of environment that helps your business attain its objectives.

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This entry was posted on Sunday, February 12th, 2012 at 2:51 pm by Brickter Bond and is filed under Business. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.

Source: http://centired.com/2012/02/helpful-small-business-leadership-what-does-it-involve/

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Tony Sachs: Candy? Flowers? Feh! New Spirits To Wow Your ...

I love the excitement that comes with trying a new spirit for the first time. How does this whiskey compare to my old favorites? How is this new liqueur different from all the other ones on the market? What's going to make people drink this new gin? It's a thrill to figure it all out, with my taste buds as my guide.

Only problem is, the assortment of spirits that have crossed my desk in the last few months are pretty random -- what's going to make anyone apart from the hardiest spirits geek want to read about two Scotches, a couple of brandies, a bourbon, a vodka, and a pair of liqueurs? Well, I've found from experience that, when in doubt, it never hurts to look to the calendar for some thematic unity. Write about a dozen grappas and who cares? But write about the best grappas to drink for Arbor Day and you've got a hot and timely piece on your hands.

Since it's February, I had three possible tie-ins. Black History Month? Figuring out which spirit would have been tastiest on the March to Selma or along the Underground Railroad felt a little... unseemly. Presidents' Day? An interesting idea, but I got bogged down trying to figure out if Patron's XO Cafe Dark Cocoa was the Chester Arthur or the Franklin Pierce of liqueurs.

Which left Valentine's Day. Certainly a well-made, well-chosen spirit, in cocktail form or otherwise, can be quite the aphrodisiac. Cocktails, sipping spirits, after-dinner liqueurs, all can set the stage for an evening of amour. And if you're alone and miserable on V-Day, there's nothing like some booze -- high quality or otherwise -- to help you forget your troubles.

So forget champagne. Sure it's romantic, but a good Scotch, or a really well-made cura?ao, is sexy. This year, on this very special Hallmark holiday, you lovers need to wow your mates with the latest spirits the world of alcohol has to offer. If drink be the food of love, then bottoms up, baby!

COURVOISIER C COGNAC (40% alcohol by volume, age not stated, $35 suggested retail price). You kids today! Back when my liver was knee-high to a grasshopper, cognac was something sipped in elegant snifters in stodgy mens clubs, or paired with a fine cigar after a nine-course dinner at your country estate. Nowadays it's a party drink, to be quaffed during a night out at the club. Which I suppose is why Courvoisier helpfully included a flask when they sent me their latest expression, C By Courvoisier -- it can be difficult to dance while holding a 750ml bottle. As for the contents of the bottle, the small-batch cognac is double-barrel aged, meaning it's first aged in younger barrels and then in older ones, to give both an intense and well-rounded flavor. And it's meant to be served chilled. Chilled?! Purists need not bother. But if you lay your preconceptions aside it's definitely better than Grey Goose or Captain Morgan or any of those other party-type spirits. It's quite mild for a cognac, with notes of orange peel and bread tempering the woodiness, and surprisingly little alcoholic burn on the finish. For Valentine's Day, ditch the flask and break out the snifters for a night of amour.

THE GLENROTHES EDITORS CASK SCOTCH WHISKY (57% ABV, aged 15 years, $375). What better way to score good reviews for your whisky than to have a group of journalists taste and select the best casks for bottling? Journalists being an opinionated bunch, they couldn't choose just one, so they settled on two -- one for Eruope and one for the USA and, oddly enough, Taiwan. The American/Taiwanese selection was laid down in 1995 and is limited to a mere 264 bottles. On the nose, it's got notes of oak, sherry, chocolate and orange peel. Because it's 57% alcohol, it's a little overwhelming taken neat, but add a few drops of water and the magic happens, with wood, dried fruit, dark chocolate and coffee flavors harmonizing like the Four Freshmen. This is a rich, smooth and utterly gorgeous whisky -- and I didn't even help select the stuff. Ladies, serve this to your men after dinner on Valentine's Day and remind him of it the next time you want to see a chick flick. Gents, if you think Scotch is too manly for a romantic evening, think again. And single folks of both sexes, make Editors Cask your companion for the evening and you'll have a better time than most of us who have dates.

HARVEST SPIRITS RARE PEAR BRANDY (40% ABV, aged 2 years, $32). If you're like me, you probably don't think about drinking something like pear brandy very often, if at all. But try the astoundingly good Rare Pear and I'll bet you think about it -- and drink it -- a lot more. Introduced in October by New York State's own Harvest Spirits, Rare Pear is their standard un-aged pear brandy (also available and also excellent) aged for two years in new American oak barrels. Pear brandies are hardly ever aged, hence the "rare" in the name. The result is a dry, understated and altogether elegant blend of pear and wood. Cuddle up with your honey, a pair of snifters and a bottle of Rare Pear by a warm fire after a delicious Valentine's Day meal. Although I'll bet it would also taste pretty good as an aperitif, or with a meal in place of white wine, or as a mid-morning snack... you name it. Supplies are extremely limited and I'm not sure of its availability outside New York, but a long weekend upstate could be tres romantique!

MONKEY SHOULDER BATCH 27 BLENDED MALT SCOTCH WHISKY (43% ABV, age not stated, $26). Scotch lovers generally turn up their noses at blends, with a few exceptions. Monkey Shoulder, blended by the legendary malt master David Stewart (who's responsible for amazing single malts by the Balvenie, among others), is one of the exceptions. It isn't exactly new, having been a popular blended Scotch across the pond for several years. But it's making its overdue Stateside debut, and that's cause for celebration. Monkey Shoulder is a blend of three Speyside malts -- after aging in used bourbon barrels, Stewart selects the 27 best barrels of the bunch and ages them further until he deems them bottle-worthy. Gents, if you've ever wanted to turn your ladies on to Scotch, this is the one. Deliciously sweet, smooth and rich, redolent of vanilla and toffee with just a touch of spice, it's her dream man come to life in a glass. And the three monkeys on the bottle are super cute! But if you're a self-respecting man, I'd draw the line at some of the cocktail recipes on Monkey Shoulder's website. The "Monkey Mojito"? People, that's just wrong.

PATRON XO CAFE DARK COCOA COFFEE LIQUEUR (30% ABV, $30). Patron's gotten a bad rap among tequila heads in recent years, and some may say it's deserved. Me, I've still got a soft spot for the brand, dating back to its '90s heyday, when Patron broke me out of Cuervo Gold prison and made me realize how wonderful well-made tequila can be. So I may be biased, but I would like this sweet, rich dessert-in-a-glass no matter who made it. It's supposed to be a combo of coffee and cocoa flavors, but the chocolate seems much more predominant, with the coffee lending just enough bitterness to balance out the sweetness of the chocolate. And don't forget the tequila, which plays a minor role but is definitely in the mix. Nice for sipping on its own, excellent for mixing with milk for an adult milkshake, and great for pouring over vanilla ice cream for a quick and easy V-Day dessert.

PIERRE-FERRAND DRY CURACAO ANCIENNE METHODE (40% ABV, $30). What's the difference between triple sec and cura?ao, apart from the squiggly "c"? I'm not sure if anyone really truly knows what distinguishes these orange liqueurs -- although feel free to tell me in the Comments section if you think you do! But I do know that cura?ao, before it was cheapened, bastardized and colored electric blue by some enterprising marketing team that's now rotting in hell, was an essential ingredient for many 19th century cocktails. Pierre-Ferrand, in conjunction with spirits historian/deity David Wondrich, reaches back to those halcyon days with their new Dry Cura?ao, created so that Jerry Thomas and his ilk would recognize it. Like Grand Marnier (and unlike almost every other orange liqueur), it uses brandy as a base rather than neutral spirits, which gives it a much fuller and more complex flavor. But the botanicals and the Cura?ao orange peels themselves give deeper and more intense orange notes than Grand Marnier, making this liqueur perfect for use in classic cocktails like margaritas and (especially) mai tais. And if you think a mai tai is not a romantic drink, then you've clearly never had a well-made one. Just ask my wife, who gets weak in the knees at the sight of my mixing them up.

RANSOM SPIRITS/LOCAL WINE & SPIRITS' THE EXCHANGE VODKA (40% ABV, $32). I'm not a vodka guy in general. Neither is Tad Seestedt, the man behind Oregon's own Ransom Spirits. Regardless, The Exchange is his second go-'round with vodka. His first, The Vodka By Ransom, is so flavorful as to be iconoclastic, while this one, made in conjunction with Chicago's Local Wine & Spirits, is more traditional in its pursuit of odorless-colorless-flavorless. The neutral corn and rye spirits are filtered through a combination of limestone and charcoal which imparts a soft sweetness that's also heavy on the mineral notes. It's super-clean and well-balanced, one of those rare vodkas that tastes great neat. It also makes for a nifty martini with just a touch of vermouth and olive brine. After all, a martini is the perfect concoction to lubricate those lips for an old fashioned Valentine's Day pettin' party!

WOODFORD RESERVE DOUBLE OAKED BOURBON (45.2% ABV, age not stated, $50). OK, so this one won't be hitting your liquor store shelves until March, but Woodford Reserve's first permanent line extension in its history is worth celebrating Valentine's Day twice for. Not that there was anything wrong with Woodford Reserve's excellent whiskey, but Double Oaked is, to my taste buds, even better. The bourbon is aged twice, in two different oak barrels, both toasted and charred in a manner that's exclusively used for Double Oaked. The result is a product that tastes like classic Woodford Reserve but even fuller, and with the rough edges smoothed out. There's lots of woodiness to go with the notes of vanilla, dark fruits, banana, tobacco and cinnamon (to name a few), but the wood complements the other flavors rather than overwhelming them. A brilliant whiskey, and at $50, a good value as well. Love is in the air... or rather, in my glass.

?

Follow Tony Sachs on Twitter: www.twitter.com/RetroManNYC

Source: http://www.huffingtonpost.com/tony-sachs/candy-flowers-feh-new-spi_b_1269762.html

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motherhood and trucking

by Jamie
(Loveland, Colorado, USA)

Me and my husband are both going into trucking together, and that after trucking for 2-3 years having a baby, how can a husband and wife have a baby and be team truckers?

Is there any way to raise a baby on the road? Maybe who ever is resting can care for the baby and "home school" the child when they get older?

Are there trucks that have more than 1 bed or sleeper area that when the child gets older can have there own "room"?

Or my husband can do the 5 week drive and when he gets home then after his 5 days home i could drive for 5 weeks and back and forth?

please yahoo message me or email me at Jamie033184@yahoo.com

THANK YOU

Lifeasatrucker response:

Yes, there have been couples who home schooled their children in the truck while on the road.

Only couple who are very intentional about providing the child with the best learning experience should attempt this though.
Here is proof of what is possible.

Since you are planning ahead though you really can do that or plan for other options, like lower you expenses to minimum now. Run hard for those 3 years saving.

Plan for being home for a couple of years, then take the child on the road. Maybe even after 3 years of saving a local or regional job could be suitable for expenses and taking care of the family.

As far as the alternating week thing you can definitely drive like that if a company would work with you to do something like that. There again, since you are planning now, you could find one prior to the need.

You can get truck sleepers just about as fancy as you want to get them. I don't know for show about separate room but these people do. Watch the video

custom big truck sleeper

Source: http://www.lifeasatrucker.com/motherhood-and-trucking.html

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Madrid Travel Information

Published by Richardson | February 11, 2012 | | 16

Are you planning to travel to Madrid? This city, along with Barcelona is the most important in Spain, and also it is the capital of the country. Traveling to Madrid can be an unforgettable experience in one of the most beautiful cities in the Old World. Learn about it with this Madrid travel information.

Arriving to Madrid

You can reach the city via airplane, bus, train or car. This will depend on where you come from. Madrid has all the needed facilities to make any kind of travel easy. The Barajas Airport is modern and offers transportation to the rest of the city.

Madrid Activities

Madrid is a city that has an historic side and a crazy nightlife. If you enjoy soccer, this city is home to one of the most popular teams in the World: the Real Madrid, you can watch them play at the Bernabeu Stadium. Other type of activities are golfing, shopping, visiting flamenco shows and guided tours at night.

Madrid Attractions

Madrid is a city full of interesting places to visit. Madrid travel information about attractions is much sought. The best type of attractions Madrid have are historic. On the Prado museum you can find historical works of art by some of the best Spanish masters. There is also the Centro de Arte Reina Sof?a.

Particularly beautiful to me is the Parque del Buen Recuerdo, a peaceful park where you can relax throughout the day and sometimes enjoy shows on the night.

In this article I have gone through some of the general Madrid travel information. If you are interested in knowing more, the Internet and printed guides can help you go in-depth about this wonderful city.

Source: http://www.1directory.net/travel-and-leisure/madrid-travel-information-2903.html

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