Some Touching and Inspirational Stuff

Hello People,
Yogesh is back on blogging again!!

This time around I will try to compile some of the most touching stories, poems etc which I have come across and I would definitely love to share this stories with you.. They are inspiring, heart touching, emotional, and all the human emotions...
So my first Favourite Story Follows from the next post on...

Happy Republic Day

I wish All The Readers and Visitors A Very Happy Republic Day!!! ... May God Bless you with all the Happiness in the days to come...

I am in the process to write my latest blog... Soon it will be available for your reviews...

Keep Visiting this page... Soon I will be posting New Stuff for You All...

Regards,

Yogesh Vyas

21 tips to protect yourself from being a victim of credit card fraud:

Although credit card fraud is certainly on the rise -- and credit card fraud on the Internet is rising even more dramatically -- many savvy Internet shoppers know that the reality is that it's actually much safer to enter your credit card number on a secure online order form than it is to give your credit card to a waiter at a restaurant.
After all, what's to stop the waiter from writing down your credit card number and placing orders on the phone with it later?
And research shows that the rate of fraudulent purchases made by cell phones is much higher than credit card fraud on the Net.
Nevertheless, we encourage you to take precautions when giving out any confidential information (including your credit card number) over the Internet, over the phone... or anywhere else for that matter!
Always use common sense -- it is the best rule of thumb.
Nonetheless, we've created 21 tips to protect yourself from credit card fraud -- which you'll find below.
First though, we wanted to mention a much more prevalent -- and much less publicized -- aspect of credit card fraud: the dangers of credit card fraud for businesses who accept credit cards over the Net

Internet ScamBusters' 21 Credit Card Fraud Prevention Tips:
1. Keep an eye on your credit card every time you use it, and make sure you get it back as quickly as possible. Try not to let your credit card out of your sight whenever possible.
2. Be very careful to whom you give your credit card. Don't give out your account number over the phone unless you initiate the call and you know the company is reputable. Never give your credit card info out when you receive a phone call. (For example, if you're told there has been a 'computer problem' and the caller needs you to verify information.) Legitimate companies don't call you to ask for a credit card number over the phone.
3. Never respond to emails that request you provide your credit card info via email -- and don't ever respond to emails that ask you to go to a website to verify personal (and credit card) information. These are called 'phishing' scams.
4. Never provide your credit card information on a website that is not a secure site.
5. Sign your credit cards as soon as you receive them.
6. Shred all credit card applications you receive.
7. Don't write your PIN number on your credit card -- or have it anywhere near your credit card (in the event that your wallet gets stolen).
8. Never leave your credit cards or receipts lying around.
9. Shield your credit card number so that others around you can't copy it or capture it on a cell phone or other camera.
10. Keep a list in a secure place with all of your account numbers and expiration dates, as well as the phone number and address of each bank that has issued you a credit card. Keep this list updated each time you get a new credit card.
11. Only carry around credit cards that you absolutely need. Don't carry around extra credit cards that you rarely use.
12. Open credit card bills promptly and make sure there are no bogus charges. Treat your credit card bill like your checking account -- reconcile it monthly. Save your receipts so you can compare them with your monthly bills.
13. If you find any charges that you don't have a receipt for -- or that you don't recognize -- report these charges promptly (and in writing) to the credit card issuer.
14. Always void and destroy incorrect receipts.
15. Shred anything with your credit card number written on it.
16. Never sign a blank credit card receipt. Carefully draw a line through blank portions of the receipt where additional charges could be fraudulently added.
17. Carbon paper is rarely used these days, but if there is a carbon that is used in a credit card transaction, destroy it immediately.
18. Never write your credit card account number in a public place (such as on a postcard or so that it shows through the envelope payment window).
19. Ideally, it's a good idea to carry your credit cards separately from your wallet -- perhaps in a zippered compartment or a small pouch.
20. Never lend a credit card to anyone else.
21. If you move, notify your credit card issuers in advance of your change of address.
If you suspect credit card fraud:
If your credit cards are lost or stolen, contact the issuer(s) immediately.
Most credit card companies have toll-free numbers and 24-hour service to deal with these emergencies -- they are eager to avoid credit card fraud.
According to US law, once you have reported the loss or theft of your credit card, you have no more responsibility for unauthorized charges. Further, your maximum liability under federal US law is $50 per credit card -- and many credit card issuers will even waive that fee for good customers.
If you follow all these tips, it will go a long way in protecting you from credit card fraud

Global Warming A Threat to Human Existence... FAQ

India - Himalayan glaciers retreating. Glaciers in the Himalayas are retreating at an average rate of 50 feet (15 m) per year, consistent with the rapid warming recorded at Himalayan climate stations since the 1970s. Winter stream flow for the Baspa glacier basin has increased 75% since 1966 and local winter temperatures have warmed, suggesting increased glacier melting in winter.

You Know why???? Because of Global Warming!!!!

Here is a brief FAQ about Global Warming and its causes...

What causes global warming?

Carbon dioxide and other air pollution that is collecting in the atmosphere like a thickening blanket, trapping the sun's heat and causing the planet to warm up. Coal-burning power plants are the largest U.S. source of carbon dioxide pollution -- they produce 2.5 billion tons every year. Automobiles, the second largest source, create nearly 1.5 billion tons of CO2 annually.Here's the good news: technologies exist today to make cars that run cleaner and burn less gas, modernize power plants and generate electricity from nonpolluting sources, and cut our electricity use through energy efficiency. The challenge is to be sure these solutions are put to use.
The effects of global warming on India vary from the submergence of low-lying islands and coastal lands to the melting of glaciers in the Indian Himalayas, threatening the volumetric flow rate of many of the most important rivers of India and South Asia. In India, such effects are projected to impact millions of lives. As a result of ongoing climate change, the climate of India has become increasingly volatile over the past several decades; this trend is expected to continue.

Is the earth really getting hotter?
Yes. Although local temperatures fluctuate naturally, over the past 50 years the average global temperature has increased at the fastest rate in recorded history. And experts think the trend is accelerating: the 10 hottest years on record have all occurred since 1990. Scientists say that unless we curb global warming emissions, average U.S. temperatures could be 3 to 9 degrees higher by the end of the century.
Several effects of global warming, including steady sea level rise, increased cyclonic activity, and changes in ambient temperature and precipitation patterns, have impacted or are projected to impact India. Ongoing sea level rises have submerged several low-lying islands in the Sundarbans, displacing thousands of people. Temperature rises on the Tibetan Plateau, which are causing Himalayan glaciers to retreat, may reduce the flow rate of the Ganges, Brahmaputra, Yamuna, and other major rivers; hundreds of thousands of farmers depend on these rivers. According to a 2007 World Wide Fund for Nature (WWF) report, the Indus River may run dry for the same reason.

Are warmer temperatures causing bad things to happen?
Global warming is already causing damage in many parts of the United States. In 2002, Colorado, Arizona and Oregon endured their worst wildfire seasons ever. The same year, drought created severe dust storms in Montana, Colorado and Kansas, and floods caused hundreds of millions of dollars in damage in Texas, Montana and North Dakota. Since the early 1950s, snow accumulation has declined 60 percent and winter seasons have shortened in some areas of the Cascade Range in Oregon and Washington.Of course, the impacts of global warming are not limited to the United States. In 2003, extreme heat waves caused more than 20,000 deaths in Europe and more than 1,500 deaths in India. And in what scientists regard as an alarming sign of events to come, the area of the Arctic's perennial polar ice cap is declining at the rate of 9 percent per decade.


Is global warming making hurricanes worse?
Global warming doesn't create hurricanes, but it does make them stronger and more dangerous. Because the ocean is getting warmer, tropical storms can pick up more energy and become more powerful. So global warming could turn, say, a category 3 storm into a much more dangerous category 4 storm. In fact, scientists have found that the destructive potential of hurricanes has greatly increased along with ocean temperature over the past 35 years.


Is there really cause for serious concern?
Yes. Global warming is a complex phenomenon, and its full-scale impacts are hard to predict far in advance. But each year scientists learn more about how global warming is affecting the planet, and many agree that certain consequences are likely to occur if current trends continue. Among these:
Melting glaciers, early snowmelt and severe droughts will cause more dramatic water shortages in the American West.
Rising sea levels will lead to coastal flooding on the Eastern seaboard, in Florida, and in other areas, such as the Gulf of Mexico.
Warmer sea surface temperatures will fuel more intense hurricanes in the southeastern Atlantic and Gulf coasts.
Forests, farms and cities will face troublesome new pests and more mosquito-borne diseases.
Disruption of habitats such as coral reefs and alpine meadows could drive many plant and animal species to extinction.

Could global warming trigger a sudden catastrophe?
Recently, researchers -- and even the U.S. Defense Department -- have investigated the possibility of abrupt climate change, in which gradual global warming triggers a sudden shift in the earth's climate, causing parts of the world to dramatically heat up or cool down in the span of a few years.In February 2004, consultants to the Pentagon released a report laying out the possible impacts of abrupt climate change on national security. In a worst-case scenario, the study concluded, global warming could make large areas of the world uninhabitable and cause massive food and water shortages, sparking widespread migrations and war.While this prospect remains highly speculative, many of global warming's effects are already being observed -- and felt. And the idea that such extreme change is possible underscores the urgent need to start cutting global warming pollution.


What country is the largest source of global warming pollution?
The United States. Though Americans make up just 4 percent of the world's population, we produce 25 percent of the carbon dioxide pollution from fossil-fuel burning -- by far the largest share of any country. In fact, the United States emits more carbon dioxide than China, India and Japan, combined. Clearly America ought to take a leadership role in solving the problem. And as the world's top developer of new technologies, we are well positioned to do so -- we already have the know-how.


How can we cut global warming pollution?
It's simple: By reducing pollution from vehicles and power plants. Right away, we should put existing technologies for building cleaner cars and more modern electricity generators into widespread use. We can increase our reliance on renewable energy sources such as wind, sun and geothermal. And we can manufacture more efficient appliances and conserve energy.


Is it possible to cut power plant pollution and still have enough electricity?
Yes. First, we must use more efficient appliances and equipment in our homes and offices to reduce our electricity needs. We can also phase out the decades-old, coal-burning power plants that generate most of our electricity and replace them with cleaner plants. And we can increase our use of renewable energy sources such as wind and sun. Some states are moving in this direction: California has required its largest utilities to get 20 percent of their electricity from renewable sources by 2017, and New York has pledged to compel power companies to provide 25 percent of the state's electricity from renewable sources by 2013.


How can we cut car pollution?
Cost-effective technologies to reduce global warming pollution from cars and light trucks of all sizes are available now. There is no reason to wait and hope that hydrogen fuel cell vehicles will solve the problem in the future. Hybrid gas-electric engines can cut global warming pollution by one-third or more today; hybrid sedans, SUVs and trucks from several automakers are already on the market.But automakers should be doing a lot more: They've used a legal loophole to make SUVs far less fuel efficient than they could be; the popularity of these vehicles has generated a 20 percent increase in transportation-related carbon dioxide pollution since the early 1990s. Closing this loophole and requiring SUVs, minivans and pick-up trucks to be as efficient as cars would cut 120 million tons of carbon dioxide pollution a year by 2010. If automakers used the technology they have right now to raise fuel economy standards for new cars and light trucks to a combined 40 m.p.g., carbon dioxide pollution would eventually drop by more than 650 million tons per year as these vehicles replaced older models.

What can I do to help fight global warming?
There are many simple steps you can take right now to cut global warming pollution. Make Conserving Energy a part of your daily routine. Each time you choose a compact fluorescent light bulb over an incandescent bulb, for example, you'll lower your energy bill and keep nearly 700 pounds of carbon dioxide out of the air over the bulb's lifetime. By opting for a refrigerator with the Energy Star label -- indicating it uses at least 15 percent less energy than the federal requirement -- over a less energy-efficient model, you can reduce carbon dioxide pollution by nearly a ton in total.

Lets all Join together to fight aginst Global Warming and Save out Mother Earth from It.... Clean Earth Green Earth....

Article by Yogesh Vyas...

Details arrranged from many sources...