For reporting illegal constructions and encroachment in Mumbai file you complaint at http://removalofencroachment.mcgm.gov.in You can also monitor action taken.
Courtesy : Shailesh Gandhi
Author: yazdi
A More Organized 2017 at Home
As we move in and get cozy with 2017, one of the first things we all want to do is look at how we can make New Year’s resolutions a reality. Evernote is all about digital organization and productivity, but our physical spaces matter, too. That’s why we invited Sam from Simply Organized to join us in a Facebook Live event to talk about how to begin organizing at home.
Sam, whose specialty is working with families, goes into homes and helps people arrange their space in ways that make sense to them. She’s an expert when it comes to shelving, drawers, bins, and boxes, and says she reaches a state of zen when folding items to put away. Though she works primarily with mothers with small children, she’s also helped empty-nest families with downsizing once the children have grown.
“Organization is really about simplifying things,” Sam told Josh Zerkel, Evernote’s Director of Community. “It’s about solving a problem, and being able to find what you need easily.”
Sam advised not to strive for perfection when you’re organizing your space. “Social media makes you think everything is perfect,” she said. “But those photos are art-directed. Nobody lives in those spaces. You need to live in your space, and living is sometimes a little bit messy.”
Click Here for more details and the full interview
What Do Those Codes On Stickers Of Fruits And Some Veggies Mean?
Although they seem like a nuisance, the stickers or labels attached to fruit and some vegetables have more of a function than helping scan the price at the checkout stand. The PLU code, or price lookup number printed on the sticker, also tells you how the fruit was grown. By reading the PLU code, you can tell if the fruit was genetically modified, organically grown or produced with chemical fertilizers, fungicides, or herbicides.
Here are the basics of what you should know:
- If there are only four numbers in the PLU, this means that the produce was grown conventionally or “traditionally” with the use of pesticides. The last four letters of the PLU code are simply what kind of vegetable or fruit. An example is that all bananas are labeled with the code of 4011.
- If there are five numbers in the PLU code, and the number starts with “8”, this tells you that the item is a genetically modified fruit or vegetable. Genetically modified fruits and vegetables trump being organic. So, it is impossible to eat organic produce that are grown from genetically modified seeds. A genetically engineered (GE or GMO) banana would be: 84011
- If there are five numbers in the PLU code, and the number starts with “9”, this tells you that the produce was grown organically and is not genetically modified. An organic banana would be: 94011
Incidentally, the adhesive used to attach the stickers is considered food-grade, but the stickers themselves aren’t edible.
And here is the full list from the Environmental Working Groups of fruits and vegetables with the least to most pesticides. When shopping, the most important produce to buy organic are those at the bottom of this list http://www.foodnews.org/fulllist.php .
Dr. Frank Lipman
http://www.drfranklipman.com/what-do-those-codes-on-stickers-of-fruits-and-some-veggies-mean/
Fully Transparent Solar Cell could Make Every Window in your House a Power Source
A Michigan State University research team has at last made a truly transparent solar panel — a innovation that could soon usher in a world where windows, panes of glass, and even complete buildings could be used to produce solar energy. Until now, solar cells of this kind have been only partly transparent and generally a bit tinted, but these new ones are so transparent that they are almost indistinguishable from a usual pane of glass.
Previous claims toward transparent solar panels have been deceptive, since the very nature of transparent materials means that light must pass through them. Transparent photovoltaic cells are almost impossible, in fact, as solar panels produce energy by changing absorbed photons into electrons. For a material to be completely transparent, light would have to travel uninhibited to the eye which means those photons would have to pass through the material wholly (without being absorbed to produce solar power).
So, to attain a truly transparent solar cell, the Michigan State team made this thing called a transparent luminescent solar concentrator (TLSC), which employs organic salts to absorb wavelengths of, light those are at present unseen to the human eye. Steering clear of the fundamental difficulties of making a transparent photovoltaic cell permitted the scientists to harness the power of infrared and ultraviolet light.
The TLSC projects a luminescent glow that has a converted wavelength of infrared light which is also invisible to the human eye. More traditional (non-transparent) photovoltaic solar cells frame the panel of the main material, and it is these solar cells that transform the concentrated infrared light into electricity.
Versions of previous semi-transparent solar cells that cast light in colored shadows can generally achieve proficiency of about 7%, but Michigan State’s TLSC is projected to attain a top efficiency of 5% with additional testing (presently, the prototype’s efficiency reaches a mere one percent). While numbers like seven and five percent efficiency appear low, houses featuring fully solar windows or buildings made from the organic material could compound that electricity and bring it to a more useful level.
Scientists on the Michigan State team believe their TLSC technology could span from industrial applications to more manageable uses like consumer devices and handheld gadgets. Their main priorities in continuing to develop the technology seem to be power efficiency and maintaining a scalable level of affordability, so that solar power can continue to grow as a major player in the field of renewable energy.
Consumer Complaints Can’t Be Rejected Citing ‘Alternative Remedy’ Under Other Statutes: Chhattisgarh HC
Remedy available to the consumer under the Consumer Protection Act is an additional remedy, the high court observed. The Chhattisgarh High Court has held that the remedy available to the consumer under the Consumer Protection Act is an additional remedy. Other statutory remedy available to the consumer under other statutory laws would not bar the consumer to avail of that ‘additional’ remedy, it said. Justice Sanjay K Agrawal observed that district and state forums were wrong in rejecting the complaint on the ground of availability of alternative remedy under Section 7-B of the Telegraph Act. Rajesh Kumar Agrawal, had complained before the district forum alleging that his service provider adopted unfair trade practice in providing telecom services though he had paid for data service and while using the data services, balance lying in call account was deducted unauthorisedly. The district forum had relied upon the judgment of the Supreme Court in General Manager, Telecom, v. M Krishnan and another to hold that the petitioner has a special remedy of arbitration provided under Section 7-B of the Telegraph Act and that bars the complaint under the Consumer Protection Act. Apparently, the high court does not discuss this apex court decision relied upon by the forum. Rather, the high court has relied on many other apex court judgments which suggest that the complaint would not be barred. Referring to provisions in the Consumer Protection Act and the dictum in Trans Mediterranean Airways v. Universal Exports, the court observed that the remedy available to the consumer under the Act of 1986 is an additional remedy and other remedies available to the consumer under the other statutory law would not bar the consumer to avail of the remedy available under the provision of the Consumer Protection Act as such the district forum committed an illegality in rejecting the complaint filed by the petitioner on the ground of availability of alternative remedy under Section 7-B of the Telegraph Act.
Read the Judgment here – http://www.livelaw.in/consumer-complaints-cant-rejected-citing-alternative-remedy-statutes-chhattisgarh-hc/
Noise pollution: Mumbai began to quiet down in 2016
When this year began, Mumbai was India’s noisiest city. In the eleven months that followed, its people campaigned, its court passed orders and its government acted to shake off this dubious distinction.
By Diwali, two locations — in Andheri and Powai — were named India’s quietest during the festival.
The Central Pollution Control Board (CPCB), which had named Mumbai the noisiest in February, was now praising the city’s anti-noise campaigners and calling the fight against noise pollution a ‘citizen movement’.
And, Diwali was not the only time the results were seen.
During Ganeshotsav, Mumbai’s noisiest festival, the highest recorded noise level dropped from 123.2 decibels (dB) in 2013 to 116.4 dB in 2016 and Dussehra levels fell from 103.4 db to 98.9db. Janmashtami and the Mahim fair were slightly noisier.
“More than any of the enforcement authorities, the credit has to go to the people of Mumbai for standing up for change and making the city a better place. We only were successful in convincing the people of the need to reduce noise,” said Satish Gavai, principal secretary, state environment department. Gavai added, “The celebration of festivals or even small joys of our daily life has nothing to do with making noise.”
The awareness campaigns aside, a series of court orders ensured the dramatic drop in noise by the end of the year.
Click Here for the full story
Patanjali fined Rs 11 lakh for misleading ads
- A Haridwar court imposed fine of Rs 11 lakh on Yoga guru Ramdev’s company, Patanjali Ayurved Ltd.
- Fine was imposed on charges of misbranding and misrepresentation of its products.
In its order, the court of Lalit Narain Mishra, Haridwar’s additional district magistrate, found the company, which is currently eyeing at doubling its revenues from the current Rs 5,000 crore to almost Rs 10,000 crore by the next financial year, guilty of “releasing misleading advertisements+ by selling certain products with its labels although they were being manufactured by some other firm.”
Citing Section 52 (misbranding) and Section 53 (misleading advertisement) of the Food Safety and Standards Act, 2006 as well as Section 23.1 (5) of Food Safety and Standard (Packaging and Labelling Regulations, 2011) Act, it ordered Patanjali to pay the fine within a month. It also directed the district food safety department to “take appropriate action if there is no improvement in the products in future.”
Click Here for the full story
On the Digital Highway without a Seat Belt
Prime minister (PM) Narendra Modi’s mega campaign to go cashless may, in the long run, lead to transformation like his much-needed Swachh Bharat initiative. We are a cash-based economy; over 68% of transactions happen in cash and the push to get, at least, urban, educated Indians to switch to cashless payments is necessary and long overdue. Starting with his radio talk (Maan ki Baat), the PM’s slogan of ‘My Mobile, My Wallet, My Bank’ has been amplified by leading bankers, e-payment companies, Union ministers, NITI Aayog officials and high-profile bureaucrats. But people won’t change just by being shoved in a particular direction. Moreover, in the short run, the pain in accessing one’s own money is very real. The government needs to work harder to make the switchover easier, by providing adequate infrastructure (telecom coverage, Internet connectivity), safety and ease of transactions and proper grievance redress. Unfortunately, the effort to push e-payments seems driven by the need to hastily correct the massive failure of currency management after demonetisation, rather than a genuine desire to bring about a paradigm shift. Let’s look at a few decisions that are urgently needed to ensure that the switch to cashless transactions is both, safe and permanent.
1. Beneficiaries Must Pay: The first step is to encourage and incentivise e-payments by scrapping ‘convenience’ charges and transaction charges. So far, it has been a sellers’ market. So ticket booking agents (makemytrip, cleartrip, etc, or Bookmyshow) and even principals (Jet Airways) conveniently turned the logic on its head and decided that we, the consumers, must pay for the ‘convenience’ of getting tickets online. Airlines used to offer hefty commissions to travel agents who did the hard work of selecting the best route and the lowest fare option; the customer did not pay. Today, there are no travel agents; the consumer does all the hard work of searching and selecting; and also pays for the alleged convenience. We need to ensure that beneficiary companies, at least, share the convenience. But what about movie theatres and airlines which are able to save on ticketing and box-office costs? This is the best time to do it because they need our business at a time when discretionary spending has dried up substantially.
2. Regulation of E-wallet Companies: Information technology experts will tell you that most apps and e-wallets collect a lot of sensitive customer data by seeking omnibus permissions from not-so-savvy users. According to a report by medianama.com, leading payment apps get access to your Internet history, bookmarks, and even really sensitive data such as IMEI number, saved Wi-Fi network info and the MacID. They record audio info, modify contacts and even use call logs to make calls. Many e-wallets will save credit/debit card details used to transfer money to the wallet without your permission.
This increases the security risks for users, without their knowledge. If the data is hacked, we, as individuals, are in no position to track the source of the leak and we have no access to easy grievance redress either. We need to have clear rules on what information can be collated by apps and their liability spelt out, in case there is a large-scale data breach or even if an individual consumer has a complaint. Will every minister of the NDA government, who is dutifully promoting e-wallets, take up the issue of regulation as well?
3. Grievance Redress: This is an issue that we have been agitating for several years through Moneylife Foundation, our not-for-profit entity involved in advocacy and financial literacy. At a social gathering, recently, a leading industrialist and a retired police chief were narrating interesting stories about how their domestic helpers and cooks had adapted to technology, using it to transfer money to their village in Bihar and Odisha through ATMs.
While this is, indeed, very heartening, it is also a fact that ATM PINs are easily shared with the family because of ignorance. In one case, a domestic helper’s account, which had her precious savings of over Rs70,000, was hacked. The hacker, pretending to be a banker, claimed that the account was being tested to ensure that a link to her mobile phone was working effectively and she should read out the number received in an ATM. The unsuspecting woman ended up giving her OTP (one-time password) six times, until the bank itself noticed something amiss and blocked her account. A well-known consumer activist, who is helping the lady recover her money, related this story to me; how many are so lucky?As Dr KC Chakrabarty, former deputy governor of the Reserve Bank of India (RBI), told me in a recent interview, “You may push a person to do digital transaction; but once a person has lost money at an ATM or in a digital transaction, he will stay away for 10 years. All over the world, unless the bank can prove that the customer is at fault, his money should first be credited to his account. That is a global rule. This is not yet implemented in India.” The reason for not notifying consumer protection regulations is rather perplexing, especially when RBI deputy governor,
SS Mundra has publicly acknowledged that the increase in online transactions has led to a manifold surge in customer complaints. Addressing a public meeting on 23rd May, he had said that these complaints relate to electronic transactions, unauthorised fund transfers, fraudulent ATM withdrawals using duplicate cards, phishing, vishing, etc. And yet, on 31st August, RBI only issued a draft regulation proposing to limit customer liability instead of notifying formal rules. These regulations propose to shift the onus of proving wrongdoing or carelessness on the part of the customer to the bank. They will also ensure that the money lost is immediately credited back to customer accounts pending investigation. Isn’t it strange that RBI has not been asked to notify these regulations even while a nationwide campaign to go cashless has been launched from the highest office in the land? RBI must also be asked to notify its much-touted consumer charter and take responsibility for its implementation. The charter must prescribe clear penalties for banks’ lapses and amend the banking ombudsman regulations to empower it to initiate stringent action. Instead, an unworkable consumer charter has been put out in the public domain and RBI seems to have no intention of holding banks strictly accountable for treating customers fairly.
4. Financial Literacy: The buck for spreading financial literacy also stops at RBI’s doors. The central bank, as is its style, works at an excruciatingly slow pace on most issues; it is probably the slowest on consumer protection. Two years ago, RBI took charge of over Rs3,500 crore of unclaimed cash deposits that were lying with banks and set up the Depositor Education and Awareness Fund (DEAF). This money could have been put to excellent use today to spread financial literacy using modern tools to spread the message.
Two years later, DEAF has little to show. It took a year to grant accreditation to a few NGOs and another year to sanction small sums to be spent on workshops to a few of them. Worse, DEAF will simply not engage with people in the field. Another effort to reach out to rural consumers under the aegis of RBI and with support from banks is similarly chugging at a snail’s speed. This is not the pace at which the PM operates; but then, why doesn’t someone push RBI to act, or take away these responsibilities and allow it to remain India’s monetary authority? At a time when people are going through enormous hardship to access their own hard-earned money, being pushed into driving along the digital highway without a safety belt will be even more insensitive.
by Sucheta Dalal
The cord blood stem cell banking scam
Every parent who delivers in an up-market hospital in India today is told by their doctor to go ahead and store their umbilical cord blood stem cells of the baby. They made a lot of promises about how valuable these stem cells are; about how in case the baby has a problem in the future these stem cells can be used to replenish any kind of cell in the body; what makes these stem cells so precious; and why they only have a limited window of opportunity, which is at the time of birth. The marketing spiel is that it’s a very cost-effective investment because it could make a world of a difference to their child’s health in case she ever develops a medical problem in the future.
It’s easy to play on a parents’ guilt. After all, children are high-investment products, people don’t have too many children, and you want to do your best for your baby. Since you’re spending so much on your pregnancy and childbirth, then why not go ahead and spend a little bit more on storing these precious cord stem cells ? It’s sold as an insurance policy – your child will most probably not need it, but in case she does do, it’s great to have that option.
This sounds very good, but the reality is completely different.
Cord stem cell banking has been around for nearly 10 years now. There must be at least 100 cord blood banks all over India, all of which are private players. A quick back of the envelope calculation means that there might at least be 100,000 stored cord blood samples in these private banks, but what I find very disquieting is there are no success stories about how pediatricians have used these cord stem cells to treat babies with a serious medical problem , which they wouldn’t have been able to successfully treat without these stored cells.
You’ve got to worry about the absence of these stories.
Dr Aniruddha Malpani
FollowDr Aniruddha Malpani
Director and Values Custodian at Solidarity Advisors
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BMC cannot disconnect water supply as punishment
BMC cannot disconnect water supply as punishment says HC
WATER IS A BASIC NECESSITY OF LIFE AND IS COVERED UNDER ONE’S CONSTITUTIONAL RIGHT TO LIFE
http://wakeupindia-designer.blogspot.com/2016/10/bmc-cannot-disconnect-water-supply-as.html
Consumer Resources 