Screenshot of www.columbiagasohio.com

Columbus, Toledo, Parma, Mansfield and Springfield are included in the primary Ohio metropolitan areas served. 3.7 million Gas is served by NiSource distribution companies and electric customers primarily in nine states. In the development of natural gas technology and products, with innovative programs like the Customer CHOICE, the company is a leader. By purchasing their natural gas from non-utility suppliers, the Customer CHOICE program provides residential and small commercial customers the chance to decrease their energy costs.

Track record of service reliability and customer safety has been proved by Columbia Gas of Ohio. The company energetically supports non-profit agencies and organizations in the communities it serves. There are many methods of payment such as Pay Now, Paperless Billing, Automatic Payment, Pay In Person or Pay By Mail and Budget Payment Plan. The customers can choose any suitable method for payment.

How to pay online Columbia Gas Ohio bill?

First of all visit the website www.columbiagasohio.com and click on ‘Your home’ navigation. Open the next page and see Payment methods on the left side. Click on it and view different bill payment methods.

Pay Now

One-time payments – electronic check:
To pay the Columbia Gas bill by electronic check, the customer has to login to their account. If the customer faces termination of service, then they have to submit their payment before 10:00 p.m. on the business day earlier to the scheduled shut-off date. Generally payments take three business days to post to your account; a payment verification number will generate by the process that will be noted on your account automatically.

Note: If you make a single payment online, then you do not have to report your payment verification number again, either online or by phone. On the Account Summary screen, you can check the status of your payment.

NCO Easy Pay – credit and debit card payments:
You can pay their bill by phone or online through NCO EasyPay. There is no application or enrollment procedure to holdup your payment. To pay online visit the NCO Web site. Select any of the convenient payment methods such as MasterCard, Discover, Diner’s Club, Debit card and Electronic check. NCO EasyPay does not accept Visa credit cards. The customer can pay each month’s bill in full, or they can specify the amount they want to pay that month and rest guaranteed that their gas bill will be paid on time. Limits on debit card dealings depend upon the accord with the bank or financial institution that issued the card.

When you make the payment, be sure to have your 15-digit Columbia Gas account number handy. A convenience fee will be added by NCO EasyPay for each transaction made through their payment service. An opportunity to complete or stop the transaction will be given after the total amount of your payment, including the convenience fee. Your Columbia Gas account will be credited only with the amount you specify to be paid on your gas bill, not including NCO’s convenience fee. The total amount of your transaction will appear on your bank statement as “NCO Financial System,” or on your credit/debit card statement as “NiSource/NCO.” NCO will provide a payment confirmation number for your records.

Paperless Billing

Direct e-Bill – billing/payments:
You have to Log in to your account and follow the easy three-step procedure to request Direct e-Bill and confirm your e-mail address. You will get an e-mail notification when your next bill is obtainable to view on their website, as long as you sign up before your billing date. A link to their web site is included in the e-mail, as well as links to significant information about your account, natural gas safety tips, how to use energy wisely, and their quarterly customer newsletter. You will also get one more paper bill in the mail from Columbia Gas that month, as your first notification will verify that your e-mail address is valid.

Note: If you’re currently enrolled in CheckFree e-Bill, then you’ll need to cancel that option before you can enroll in Direct e-Bill. Visit the CheckFree web site to submit your cancellation request online. CheckFree normally processes cancellations by the next business day, not including weekends or holidays. You can check the status of your enrollment on the Account Summary screen on this site before signing up for Direct e-Bill.

If you want to change back to paper bills, then just log in to your account and go through the quick and easy steps to cancel Direct e-Bill.

CheckFree e-Bill:
Register online at the CheckFree web site. You can look at latest bill while you are online, with immediate activation. For endorsements, there is no enrollment fee or waiting period. You will be asked to create a personal user id and password for your account protection. Online payment service is also offered by CheckFree, which can be accessed through their Web site or through a link on your e-Bill. You will be asked to give your Social Security number and information about financial institution to sanction electronic payment from checking account, to use this online payment tool. Online payments made through CheckFree may take up to five business days to post to your Columbia Gas account. If the payment is submitted on or after the due date of the bill, then be sure to call them or log in to your Columbia Gas account to report payment receipt number.

Automatic Payment

ZipCheck:
The ZipCheck automatic payment allow you to sanction your financial institution to automatically pay gas bill from checking or savings account each month, providing you with assurance that the payment will be credited to your account by the payment due date. A monthly statement from them will be given showing the amount you owe, how much natural gas you used and the date that payment will be withdrawn from your checking or savings account in case you have a question. Log in to your Columbia Gas account to arrange an automatic monthly deduction from bank account. You will need your bank’s routing number and account number.

Pay In Person or Pay By Mail

Pay in Person:
Numerous payment sites are located throughout their service area. Some sites may charge a consumer fee and require a bill to make a payment. Many customers pay their bill directly or use a payment agent that the company has authorized to collect customer payments. Federal requirements limit the utmost sum amount at $2,500 per transaction. Some customers have started using bill payment services that do not have any planning with the company to process payments. The company cannot guarantee that payments made through one of these unauthorized bill payment services.

Pay by Mail:
In each month’s bill, a return envelope is provided. Tear off the top portion of the bill and enfold it with your payment so that the company address appears in the envelope window. Print account number on your check or money order. Give them five days to receive and process payment on time. Do not send cash through the mail to prevent loss or theft before it reaches to the company. If you have lost or misplaced your Columbia Gas of Ohio bill, then you can mail your payment to:

Columbia Gas of Ohio, Inc.
P.O. Box 742510
Cincinnati, OH 45274-2510.

Source: http://www.columbiagasohio.com

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The beta version went online before a month ago, after IRCTC decided to make the website more user-friendly. It is offers train booking, hotel booking cab booking, packaged holiday booking, and many other online services. The new beta version is specially known for their instant booking, where the travelers need not login or register for booking tickets or accessing other services. The new interface is planned to increase the number of visitors who book rail tickets using the site.

Screenshot of IRCTC’s Beta Version Website

Service of the IRCTC’s Beta Version Website:

IRCTC Beta Version gives an online booking service for I-tickets, e-tickets and tatkal tickets.

I ticket: I ticket is delivered customer through the courier at his/her desired address, there must be two clear calendar days between the booking date and the date of travel. Tickets cannot be booked for dates of journey prior to the limits.

E Ticket: E ticket is electronic booking version of IRCTC. After booking, customer prints out an Electronic Reservation Slip which, along with one of the authorized personal identification, constitutes the authority to travel, in lieu of the regular ticket on standard Stationery.

How to book I-ticket and E-ticket

First need to login at the site by entering your user name and password and then you get plan my travel page, where select I-Ticket option If the From/To station selected by you are correct and select the type of Quota.

To book a train ticket, first find train list by clicking on “Find Trains” option. To know the route and the timings, click on the train name under the “List of Trains” option. To get the fare, click on class available in the selected train under “List of Trains”.

To book a ticket, click on book option which is given under availability option and you get the Ticket reservation page, where check train name and the station names displayed on the top of the page and then enter the names of the Passengers, age, sex and berth preference for each Passenger. The ticket details, availability of tickets at the particular time and the fare, including the service charge, appear on the screen, along with the payment option “Follow the instructions”. To make payment, it will give the list of payment options, choose any one option. Once your payment is authorized the ticket booking will be processed and you will see the confirmation of your booking at this site.

Quick book: A ticket booked against Tatkal Quota against extra payment of premium charges as per extant Railway rules. Tatkal Quota (CK) berths/seats are allocated in all-important trains in different classes except First Class Air-conditioned (1A) class. Ladies quota (LD) is generally earmarked in Sleeper class (SL) and second sitting (2S).  This option is provided for only registered user.

How to book QuickBook ticket

For Quick Book, open the “QuickBook” from the home page and then log in using your userid and password or at left navigation under “Services” after login on plan my travel page. After login you will see Quickbook page, where Select your train from the list that appears on the screen after clicking the fetch train code option.  If the “From /to” stations selected by you are correct in the route of the train then enter Valid date of booking, enter passenger detail and select e-Ticket or I-Ticket option.  Enter payment Detail and complete your ‘Quick book’ process.

Provide General Enquiries Service to know below info:

• Accommodation available for a train/date combination
• Current Status of reserved tickets
• PNR Enquiry
• Reservation enquiries
• Time table
• Train fare
• Trains available between a given pair of stations

IRCTC Mobilebooking

IRCTCMobile allows you to perform various ticketing related services through your mobile phone, for this it has tied up with ngpay, which is India’s Largest Mall on Mobile. It is available for all GPRS subscribers in India. Now, people can book tickets  using credit cards and cash cards, view trains trains between stations, check availability, get fare, perform PNR enquiry and many other information services. The tickets booked through IRCTCmobile shall be delivered to the postal address provided during the booking within 3 clear days from the date of booking.

Features of IRCTC Mobilebooking:

• A world of convenience.
• A simple registration process
• A complete user-friendly application
• Cashless transactions with the use of payment cards
• Door delivery of your ticket

IRCTC gives special offers:

• Free Tickets / Gifts: Every week they pick 22 lucky winners through an automatic computer generated search cum lucky draw and give free tickets / gifts.
• Get Rs.5000 daily cash benefit for hospitalization and also save tax
• Give Exclusive Discounts from www.khojguru.com
• Write hotel reviews on TripAdvisor.in & get cash refund of Rs.250.
• You can Win Nokia N97, HP Laptop, Sony LCD TV & more for as low as Rs.2.05 at www.jeetle.in.

Below service is not offered by IRCTC

• Reservation on Police/military warrants, Railway passes, PTOs, card passes & IC cards issued to MP’s and INDRAIL Passes and all types of Rail Travel Coupons or on any Concessions.
• Bulk Booking for families and groups.
• Advance booking for foreign tourists 360 days in advance.
• Tickets to cluster stations
• Reservation on prebought tickets, i.e. tickets already bought at stations.
• Reservation on tickets with Break Journey
• Modification and Cancellation of I-tickets. These facilities can be availed for I-TICKETS by presenting the ticket at a Railway Reservation Offices
• Issue of duplicate tickets for lost, mutilated or torn tickets.
• Source cluster tickets
• Personal Collection of tickets by customers from any designated centers.

If you have any questions about it service, then contact their customer care center at: 011 – 23340000 / 23345500 / 23344787 / 23344773 / 23345800 / +91 9243050031 or e-mail at care@irctc.co.in.

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Screenshot of CrushSpot.Com

Crushspot.com website provides navigations like Notes, Forums, Pictures, Members and more others including, Contest, Videos, ratings, Crush List, Blogs, Activity Feed, Status Updates, Chat and Survey.

Crushspot.com website was designed on late December 2004 and opened on March 7th, 2005 by Mr.Fern. It is first community website to received positive feedback from friends. Around 150,000 people visits per month at this best online community. This website is similar to other social networking website with blogs, members, chat, etc.

If you want to join this online chat community, then first you have to Login by giving some personal information and preferences, and then you can create your profile and also upload your photos and post yourself. So that other users will be allowed to view your profile and send you public messages and comments about your profile and your photos in the notes. You can also meet people on CrushSpot whom you can share your interest and personal opinion. CrushSpot.com also provides chat groups, where you can discuss about your topics and create your own group. If you enjoy meeting people online, then you will surely be happy with this online chat website. Do not worry as it is free of charge so you can use anytime anywhere as per your wish.

Login/Sign in to Crushspot.com:

If you are member of this website, then sign in today by opening Crushspot official website www.crushspot.com, where you can find login section at the right side of the homepage, enter your username, password and press “Login” button.

Some times many people lost their password, so Crushspot.com provides lost password solution too, go to the login page, there is given Lost password link, click on it, and enter your Username, Email Address, Date of Birth, Zip code and press on “Reset Password” option, then they will reset your password and send you an email with your new password in given email address while reset process.

Register/Sign up Crushspot.com:

Are you excited to join this online community? If you are first time user of this website, then first register your account on the website. There is given “Join Now” link, press on it and then open a registration form and you have to provide following information:

• Username (4 to 16 characters)
• Password (4 to 16 characters)
• Confirm password
• E-mail
• First Name
• Last Name
• Zip Code
• Select Gender
• Enter Birth Date
• Select Relationship Status
• Choose Sexual Orientation
• Referring User Name
• Verification Code

Fill out all required details as given above and click on “Register” button.

Confirm My Crushspot.com Account:

If you need to check that you are login successfully, then go to the homepage and see right side under the login option, “Trouble Signing in?” link. Click on it, there are given three topics, click on the, “I need to Confirm My Account” link, then open a confirmation account page, enter your Username, Password, Confirmation code that you received in your e-mail to activate your account and click on “Confirm” button.

CrushSpot.com Member Login:

If you want to become a member of this website, then click on Member navigation, then open a Member login page, enter Username, select Gender, choose Status, Age, Orientation, select Distance, Zip Code and tick mark on any option from three, like online users only, users with pictures, users with ratings and press “Search” button.

Source: www.crushspot.com

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Birla Sun Life Asset Management Company Ltd. is a joint venture between the Aditya Birla Group and the Sun Life Financial Services Inc.  based in Canada. The Birla Mutual Fund was established in the year 1994. The company is one of the leading mutual fund investment companies in India with assets of more than Rs.17, 098 crore under management as of Aug 2006. The company has operations in many markets like Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda.

Screen-shot of the official website of Birla Sun Life Mutual Fund:

Sun Life Financial is a leading international financial services organization which provides a diverse range of protection and wealth accumulation products like fund schemes, monthly income funds, equity schemes, debt and treasury products, and offshore funds. Different types of investment option for everyone are offered by Birla mutual Fund whether you are a businessman or salaried professional, a retired person or housewife, an aggressive investor or a conservative capital builder.

How to invest in mutual funds?

Through www.birlasunlife.com, you can invest your money at right place. If you are a first time investor in Birla Sun Life Mutual Fund then first of all select the scheme in which you want to invest. Now, fill an application form for purchasing units. You can get the form via downloading it from the website or by contacting a branch office or a CAMS branch office or by requesting its customer care team. After that, you have to submit the form by attaching PAN card, address proof and cheque/DD at any of the funds’ official points of acceptance centers. Investors investing Rs 50,000 or more in a scheme need to comply with the Know Your Client (KYC) norms.

If you are an existing investor in Birla Sun Life Mutual Fund then select invest ‘exiting investor’ option which is given on the right side of the web page. You have to write user ID and password to make the investment to activate your online account. If you want to update your contact details, then please visit their Change Your Communication Details Section of the website or contact customer care team. You can also see demos of online registration and login.

For Online Purchase additional units, first visit the Login Section of Birla Sun Life Mutual Fund website and generate your CIP/TPIN. Now, enter your folio number and registered email id. The CIP/TPIN will be generated by email to your registered email id. If you receive your CIP/TPIN then login in your account by entering your FOLIO number and your unique CIP/TPIN. Now, you are ready to invest in your chosen Birla Sun Life Mutual Fund scheme.

You can also buy funds by filling the ‘Additional Purchase Slip’ which is given with the account statement. Form is also available at website or you can get by contacting a branch office or a CAMS branch office or by requesting our customer care department. After that, you have to submit the form at any of the funds’ official points of acceptance centers with the duly filled cheque. Investors investing Rs 50,000 or more in a scheme need to comply with the Know Your Client (KYC) norms.

Know Your Client (KYC):

The term ‘Know Your Client’ is mainly used for Customer Identification Process. Under The Prevention of Money Laundering Act, 2002 (PMLA), Securities and Exchange Board of India (SEBI) has issued a guideline which requires Mutual Funds to follow enhanced Know Your Client (KYC) norms. This requires verification of identity and address, financial status, occupation and such other personal information as may be prescribed by guidelines, rules and regulation. The investors have to fill this form by downloading from its official website and attached with the documents like PAN card and proof of address. After that, submit the KYC form at any of the Points of Service Centres.

Systematic Investment Plan (SIP):

Systematic Investment Plan (SIP) is one type of planning method in which investor can invest their money in mutual funds through small and periodic installments. The minimum amount of investment is Rs. 1000/- on a monthly basis. He/she can select the tenure of the installments with minimum investment tenure of 3 years. Systematic Investment Plan inculcates financial discipline and average out your cost of investment which reduces your risk, and helps you in compounding your wealth.

Systematic Transfer Plan:

Systematic Transfer Plan is combination of debt fund and equity fund. This plan gives us fairly consistent returns and potential to create wealth. These plans are best for those Investors who want stable returns by investing lump sum money in schemes and ensure small coverage to equity schemes in order to avail of the potential for higher growth through equities. There are three options for investing in Systematic Transfer Plan: Weekly Transfer Plan, Monthly Transfer Plan and Quarterly Systematic Transfer Plan. Following schemes are included in Systematic Transfer Plan which is given below:

• Equity Fund Family: Birla Sun Life Tax Plan / Birla Sun Life Dividend Yield Plus / Birla Sun Life Tax Plan / Birla Sun Life India Opportunities Fund / Birla Sun Life MNC Fund / Birla Sun Life Midcap Fund / Birla Sun Life India GenNext Fund / Birla Sun Life Equity Fund / Birla Sun Life New Millennium Fund / Birla Sun Life Buy India Fund / Birla Sun Life Basic Industries Fund / Birla Sun Life Frontline Equity Fund / Birla Sun Life Tax Relief’96 / Birla Sun Life’95 Fund / Birla Sun Life Freedom Fund / Birla Sun Life Top 100 Fund / Birla Sun Life Infrastructure Fund / Birla Sun Life International Equity Fund / Birla Sun Life Index Fund / Birla Sun life Special Situations Fund / Birla Sun Life Commodity Equities Fund.
• Debt Fund Family: Birla Sun Life Savings Fund / Birla Sun Life Short Term Opportunities Fund / Birla Sun Life Dynamic Bond Fund / Birla Sun Life Floating Rate Fund – Long Term Plan / Birla Sun Life Gift Plus / Birla Sun Life Income Plus / Birla Sun Life Government Securities Fund / Birla Sun Life MIP# / Birla Sun Life MIP II# / Birla Sun Life Monthly Income# / Birla Sun Life Ultra Short Term Fund / Birla Sun Life Income Fund / Birla Sun Life Medium Term Plan.
• Liquid Fund Family: Birla Sun Life Cash Plus / Birla Sun Life Cash Manager / Birla Sun Life Floating Rate Fund – Short Term Plan

Table showing information about Monthly Systematic Transfer Plan:

Systematic Withdrawal Plan:

A Systematic Withdrawal Plan (SWP) is a facility which allows an investor to withdraw their money from an existing mutual fund at preset intervals. Investor can reinvest this money in another fund or retain in cash. To create a regular flow of income from their investments, Systematic withdrawal plans are used by investors. There are two types of Systematic Withdrawal Plan (SWP) in which investors can withdraw their money (1) Fixed Withdrawal: In Fixed Withdrawal, one can withdrawn specify amount from their investment on a monthly/quarterly basis. (2) Appreciation Withdrawal: In Appreciation Withdrawal, investor can withdraw your appreciated amount on a monthly/quarterly basis. Different types of calculators are also available like Dream Vs Reality Calculator, Second Income Calculator, SIP calculator, and Make your money work Harder Calculator. You can download all these calculators. Birla Sun Life Mutual Fund also provides you Tax Saving Planner in which you can calculate your tax according to section 80c of the Indian Income Tax Act, 1961.

Table showing Investment Plan of SWP-Fixed Withdrawal and SWP – Appreciation Withdrawal:

Birla Mutual Fund – Investment Options:

Equity Schemes

• Diversified Funds
• Birla Sun Life Equity Fund
• Birla Sun Life Frontline Equity Fund
• Birla Midcap Fund
• Birla Sun Life International Equity Fund
• Birla Top 100 Fund
• Birla Advantage Fund
• Birla Equity Plan
• Birla Index Fund
• Birla Tax Plan 98

Theme Based Fund

• Birla India GenNext Fund
• Birla India Opportunities Fund

Sectoral Fund

• Birla Sun Life Buy India Fund
• Birla Sun Life New Millennium Fund

Gilt Fund

• Birla Gilt Plus
• Birla Sun Life – Government Securities Fund (LTP)

Short Term Fund

• Birla Sun Life Liquid Plus
• Birla Sun Life – Short Term Fund

Floating Rate Funds

• Birla Cash Plus
• Birla Sun Life – Cash Manager

Fixed Maturity Plans

• Birla FMP
• Fixed Term Funds
• Birla Fixed Term Plan Series
• Birla MNC Fund
• Birla Sun Life Basic Industries Fund
• Birla Infrastructure Fund
• Birla Floating Rate Fund
• Cash Funds
• Debt Schemes

Long Term Funds

• Birla Income Plus
• Birla Sun Life Income Fund
• Birla Bond Index Fund
• Birla Dynamic Bond Fund

How to access NAV?

For latest NAV, first select category, it will show you latest NAV table with Scheme Code, Scheme Name, NAV Date, NAV (Rs.), Subscription Price, and Redemption Price. You can also get the latest NAV as SMS by Sending NAV <Scheme Code> as SMS to 56767275. It will provide dividend rates and load information by selecting category and Scheme. You can also get NAV report of Birla Sun Life Mutual Fund from other sites which are given below:

• www.indobase.com (Link)
• www.amfiindia.com (Link)

How to get E-statement?

If you want account statement on demand, then first select statement type then write your folio number and email ID and enter the text which is given in the box. Lastly, click on ‘submit’ button. You have to register your email id/mobile number for email/mobile account statement. Please download the Email/Mobile No. Registration Form and submit to the nearest branch for registering your email id/mobile number.

Table showing Latest NAV of Birla Sun Life:

Registered Office Address:

Birla Sun Life Asset Management Company Ltd.
One India Bulls Centre, Tower 1,
17th Floor, Jupiter Mill Compound,
841, Senapati Bapat Marg, Elphinstone Road,
Mumbai-400 013.

Quick Contacts:

Toll Free: 1-800-270-7000
Toll Free (MTNL/BSNL): 1-800-22-7000
E-mail Id: connect@birlasunlife.com
SMS: GAIN to 56161

For more information, visit www.birlasunlife.com.

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Cathay Pacific Airways is a world’s one of the best and major international airline. Cathay Pacific Airways was established in Hon Kong in September 1946, by American Roy C Farrell and Australian Sydney Kantzow. Its headquarters and main center are located in Hong Kong International Airport.

Cathay Pacific is the world’s third most commercial airline and the sixth largest airline by stock market value. It has more than 20,000 employees in Hong Kong. The airways offers a range of services such as, Catering, entertainment, Travel classes, and codeshare agreement. The airline also won lots of travel awards for their services. The airline also offers online shopping and home deliver services like, Toys, Gifts, Travel accessories, clothing, etc.

You can get information of Cathay Pacific airline like, flight departures, flight arrivals, airline delays, baggage claim and other airport information. If you want to get the update details for any Cathay Pacific flights such as, ticket booking, flight status, online check in, manage booking etc then go on the official website www.cathaypacific.com, and enjoy the convenience of Online Booking service. You can find all details about Cathay Pacific airline services below.

Cathay Pacific Online Flight Booking:

If you want to travel by Cathay Pacific Flight and to book flight online, then visit official website Cathaypacific.com, where you can see four categories : “Book flights”, “Online Schedules”, “Flights status” and “manage booking” etc at homepage. First choose your country/region option given at the top of the website for the latest and lowest fares, If you want to book flight online, then click on Book Flight option, enter:

• From & To destinations
• Depart date and Return Date
• Trip Type
• Cabin Class
• Passengers details (Adult & Kids)

And click on “Book Flight” option here. Flights are available for booking up to 3 hours before scheduled departure time.

Cathay Pacific Online Flight Status:

Cathay Pacific Online Flight Status is used in the business travel flight. You can select your flight status by flight and by route. If you want to know your Cathay Pacific flight status go to the website and select Flight status section, select both the departure and Return date, From and To, Flight number and click on “Check” button.

Online Cathay Pacific Schedules:

You can also find online Cathay Pacific Schedules very easyly at the website, by clicking Schedule option, which is given on homepage, first select destination From & To, Depart and Return date, and Trip type, then click “Show Schedules” button.

Check In:

You can get online information about flight and seating very easily and quickly. If you are Members of The Marco Polo Club or Asia Miles and Registered Users, then you can login by entering Membership No or Username and PIN or Password and click on “Login” button here. If you are a Non-Member, then Online Check-In is available here.

Manage Booking:

Manage My Booking option is your complete personal travel plan designed to help you to manage your journey information to prepare your enjoyable trip very easily. You can also change your tickets online through Manage booking option. If you want to login at the Manage booking online go to the website, click on Manage my Booking option, enter your Membership Number / User ID and PIN / Password and click on Login button. If you are not a member of airline then click on “Non Member” option and enter your Family name, Given Name, Booking Reference Number or eTicket number and press “Continue” button.

Source: www.cathaypacific.com.

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