Author: yazdi

Mind your Mind to Stay Healthy

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There are five dangerous enemies of good health. They are: tobacco smoking (tobacco in any other form), alcohol even in small amounts, sedentary living like laziness, over eating, and finally negative thoughts like anger, pride, super ego, hatred, jealousy, and hostility. One who wants to remain healthy should avoid these five like deadly poison. Hard work never kills. One should love what one does to avoid distress. A good night’s rest to recharge one’s battery is an added asset. If you get up refreshed, do not fret and fume about the exact number of hours of sleep. I do not know how much sleep one needs. If you have sleep debt, which is daytime sleepiness, you have not had your required quota.

 

“The best six doctors anywhere,
And no one can deny it,
Are sunshine, water, rest, and air, exercise and diet
These six will gladly you attend,
If only you are willing,
Your mind they’ll ease.
And charge not a shilling!”
— Wayne Fields

Dr BM Hegde, whom Nani Palkhivala had called a “cardiologist with a heart”, on what it takes to stay healthy – Click Here for the full article

First time ever: Moneylife Foundation to help getting fast track credit report from Experian

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Can This Happen to you? A True Story!
Anil Kumar (name changed) a well-to-do businessman-activist sent us this email: “I had a harrowing experience today. I had applied for a bank loan of Rs5 lakh but was shocked to discover that I was a defaulter on the credit bureau records. ABCD Bank had reported me a defaulter for Rs7,784 because of a dispute I had with them over annual fees nearly 12 years ago. The fee was Rs1,000; they kept the card alive and kept adding fees and interest. My wife’s credit report also lists her as a defaulter because she had an add-on card. I never realised this, since I have never taken any loan in all these years… How dare they?
This could well be your story too. You never to know what the banks have reported about you to credit information companies. Know it, before you land in an awkward situation.In yet another unique initiative, Moneylife Foundation has tied up with Experian Credit Information Company of India Pvt Ltd (‘Experian’) for providing credit information report.
First time ever: Fast Track Credit Report
Submit your KYC documents, pay Rs138 in cash at Moneylife Foundation & apply for your Experian Credit Information Report. Experian will send
the report to you via SpeedPost
Time: 29th November and 15th December; 10.30am – 5.30 pm.
Venue: Moneylife Foundation Knowledge Centre,
305, 3rd Floor, Hind Service Industries Premises, Off Veer Savarkar Marg,
Shivaji Park, Dadar (W), Mumbai – 400 028. Landmark: Chaityabhoomi lane.
Contact details: Seraphina / Shilpa at 022-49205000 or
email us at mail@mlfoundation.in or log on to www.mlfoundation.in
KYC Requirements for Experian Credit Report:
Only those who submit their documents on 29th November get
a chance to avail of the guidance from Experian on the Credit Report Camp of the 15th December (see below).
The Experian CIR application form can be downloaded from the Experian India website. We can also email you a pdf on request (write to mail@mlfoundation.in)A signed copy of the Experian CIR application form will have to be sent with self-attested photocopies
(a signed and dated photocopy) of the following identity & address proof documents:

  1. Identity Proof (any one of the following documents)
    (i)    PAN card (recommended)
    (ii)   Passport
    (iii)  Voters ID
  2. Address Proof (any one of the following documents and the address proof should display the applicant’s name)
    (i)    Electricity bill (no more than 3 months old and for the current address)
    (ii)   Telephone bill (no more than 3 months old and for the current address)
    (iii)  Latest bank statement (no more than 3 months old and for the current address)
    (iv)  Passport
    (v)   Lease / license deed
    (vi)  Sale / purchase deed

Only when the KYC documents are accepted as correct, the cash of Rs138 will be accepted. You may submit the documents at your own accord and responsibility through an authorized representative on 29th November. Make sure you bring/send the correct documents.
Plus: Full day Credit Report Camp
One-to-one Counselling on Saturday, 15 December 2012
1. ANOTHER CHANCE TO FAST TRACK
YOUR REPORT		 2. ONE-TO-ONE COUNSELLING 3. UNDERSTAND THE ISSUES WITH YOUR BORROWING
  • Those who already have their reports, can avail of one-on-one counselling to understand Experian CIR and get guidance on how to improve it or to rectify incorrect records (by prior appointment). This is why you should submit your KYC on 29thNovember
  • At the camp, you can attend the session “Understanding Credit Crossroads and how a wrong move or carelessness can affect your financial life” by Experian
  • Experian will accept your KYC documents for your Credit Information Report again at the Camp on 15th December and send the report as soon as possible. However, since you will not have your report in hand on that day, you will not be able to discuss your specific case during the Camp

Screening & Diagnostic Tests

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Screening & Diagnostic Tests: Don’t fall for the sales push

Preventive healthcare packages (PHP) are targeted at everyone right from age two. While diagnostic tests are necessary to find what made you unhealthy, screening is often unnecessary and harmful. Raj Pradhan collates advice from sensible doctors

High stress levels, junk food intake, sedentary lifestyles all add up to make preventive healthcare programme (PHP) an easy sell for doctors and hospitals.

The question is: What is ‘healthy’? Wellness initiatives like quit smoking, regular exercise, yoga, etc, are undoubtedly crucial for leading a  healthy lifestyle; but who is really ‘healthy’?

Senior citizens are most vulnerable to the hardsell for PHP packages; they are quickly converted to patients or put on daily medication because modern medicine does not tell them that several minor aberrations in health parameters can be corrected by exercise and improved diet. Buying heath check-up for parents’ birthday is a good marketing gimmick which shows you care. It’s a ploy. Drug companies organise screening camps which use their own products. Apollo Pharmacy even has people queuing up to get instant blood sugar and pressure testing outside their shops.

Click Here for the full article appearing in MoneyLife

 

 

Allotment of flats in redeveloped building

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ALLOTMENT OF FLATS IN REDEVELOPED BUILDING  – by CA PRAKASH VALECHA. M 9821045102

The allotment of Flats is a tricky issue. On the face of it appears a small issue but here many disputes and problems arise. Old Buildings that need to be demolished in redevelopment were constructed sometimes 30 years ago and having FSI of 1.
There are narrow passages with 4 to 6 flats at times on the same floor. As the newly constructed building uses TDR and hence the FSI is 2 and now from 6th January add Fungible FSI of 35 % on the Total Plot area we have total FSI of 2.70. Therefore now the new Building is designed taller and having a sophisticated design which is relevant today. At times there are two storey parking floors.
Many members staying on lower floor want a upper floor while some members are old and do not wish to stay at higher floors as they fear that in case of lift problem or in the eventuality of a light cut they don’t want a particular floor. Some are having a Road facing flat but don’t want the same as it creates noise while some members want a road facing flat. Some Flats are in front side while others art back side. In the new building they wish the same status.
The problem arises is that new building has limited choice which all the old building members want. Therefore for a Fair process of allotment we need to have a policy that is fair and equitable.
Any action is malafide and void ab- initio, if it’s prejudicial, carried out with a narrow objective of favouring a select few while ignoring the majority. Therefore it is essential that certain guidelines and policy decisions are followed that are fair just and equitable..
The Government Guidelines dated 3rd January 2009 throw light on the way to move forward on the allotment of Flats. In point 11 of the guidelines it is stated as follows:
Flats in the redeveloped building should as far as possible be allotted as per present conditions floor-wise and if it becomes necessary to allot flats by drawing lots, on
completion of construction, Developer should make arrangement drawing lots, and at that time flats should be allotted in the presence of Registrar’s representative and this process be recorded by video shooting.

What is suggested in simple terms is:

1. Allot Flats as per present conditions floor-wise.

2. IF that is not possible allot flats by drawing lots.

3. It is the Developers responsibility to make the arrangements.

4. All the interested Members must be present when the Draw of Lots is conducted

5. Registrars representative to be present.

6. Process,be recorded by video shooting

Based on this guideline the Managing Committee and the Builder should follow the above Process as sincerely and diligently so as to make a Fair and just allocation of the New Flats.

Courtesy : MSWA’s Housing Societies Review 16 November 2012 

Passport Seva Project (PSP)

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The PSP has been launched in Public-Private-Partnership (PPP) mode with M/s. Tata Consultancy Services as Service Provider. The sovereign and fiduciary functions like verification, granting, issuing/revocation/impounding of passports have been retained by MEA. The ownership and strategic control of the core assets including data/information is with the Ministry.

Passport Seva enables simple, efficient and transparent processes for delivery of passport related services. Apart from creating a countrywide networked environment for Government officials, it aims to integrate with the state police for physical verification of applicant’s particulars and antecedents and with India Post for delivery of passports. Key aspects of the service transformation achieved by PSP are as follows :

  1. Increased Network 
  2. Anywhere Anytime Access
  3. State of the Art Technology Infrastructure 
  4. Improved Amenities
  5. Call Centre & Helpdesk
  6. Integration with Police and India Post 

The pilot project was launched in Bangalore and Chandigarh in May 2010 and August 2010 respectively. After certification of the Project by the Standardization, Testing & Quality Certification, the Third Party Audit Agency under the Department of Information Technology in January 2011, the Passport Seva Project was cleared for launch across the country. The Project is slated for completion during 2011-12.

Click Here for the website, including Online Applications

 

Voter ids updates

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(1)       If you do not have Voter’s Identity Card, you have a chance to get the same by submitting your application latest by 20th November 2012 to your area’s “Electoral  Registration Officer (ERO)” or “office of the district Collector and District Election Officer. For enrolling your name, visit the following link : ceodelhi.gov.in/WriteReadData/Forms/FORM6.pdf

(2)       If you are holding Voter’s Identity Card and wish to change photograph or modification in name etc., please visit this link :eci.nic.in/eci_main/forms/FORM8.pdf

(3)       If you are holding voter’s card but have shifted to another residential address within the Assembly constituency, visit this link :  eci.nic.in/eci_main/forms/FORM8A.pdf 

 

Toll free contact number 1950 OR 1800-22-1950 have been provided but like all other Government offices, regret you may not be lucky to get required guidance.

 

 

Model RTI township

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All information and working of Ashrafpur Kichaucha of Ambedkar Nagar District of UP is available at www.npakmakdoom.com This is an initiative of Alok Kumar Singh EO of the local town committee of this small town of less than 16000. He has done this with no extra budget since 2008! My salute to Alok, who has set an example for the entire Country!

Courtesy : Shailesh Gandhi

With three computers and a scanner, UP town is an open book – Click Here for the Indian Express Report

 

Recommendation Circular for Co-op Societies in Maharashtra

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Enclosed is the Report and recommendations of the study group constituted by Government of Maharashtra on the suggestion of Up Lokayukta vide letter dated 15.06.2009 and headed by the additional Registrar (Recovery and planning), Co-operative Societies, Maharashtra State, Pune, submitted to the office of the Lokayukta on 27.11.2009.

Circular No. gruh / d-3 / housing / soc / takrarnivaran / 10, dt: 15/03/2010, Co-operative Commissioner and Registrar of Co-operative Societies, Maharashtra State, Pune – Click Here for English Version and Click Here for Original Marathi Version

This report includes the following issues :

  1. Levy of penalty for remaining absent and not participating in elections of society
  2. Provision for safety of members
  3. Decision about the day and date of the AGM and managing committee meetings
  4. Minutes of the managing committee meetings
  5. Accounts of the society
  6. Machinery for redressal
  7. Registration of the Federation of co-operative housing societies at ward level
  8. Appointment of Administrator
  9. Audit of the accounts
  10. Developing a computerized control system
  11. Working of AGM / Management Body Meetings, including Video Shooting of Meetings
  12. Appointment of the manager for the working of co-operative societies

Courtesy :  J.B.Patel (Jeby) – 9820538570 – CHS Activist – RTI Union

How to block unsolicited mobile calls

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How TO BLOCK

  • Call 1909,
  • Register for fully or partially blocked category.
  • In partially blocked segment, you can choose from one of the seven sectors financial services, real estate, education, health, consumer goods & autos, entertainment and tourism
  • SMS to 1909: For fully blocked category, say “START 0”. For partially blocked, SMS START’ with one of the seven options
  • There are at present 7 preferences to choose from-
    Banking/Insurance/Financial Products/Credit Cards-1,
    Real Estate-2,
    Education-3,
    Health-4,
    Consumer goods and automobiles-5,
    Communication/Broadcasting/Entertainment/IT-6,
    Tourism-7

Examples – To receive messages relating to only Health products, then send SMS “START 4” to 1909. Similarly, for receiving messages relating to Real Estate and Education, send SMS “START 2,3” to 1909.

  • Within 24 hours, you will receive a registration number and the service will be operational within 7 days
  • Customers can also de-register their request for NDNC registry by dialing 1909 or SMS to 1909 STOP

HOW TO LODGE A COMPLAINT

  • Via SMS: Simply forward the message to 1909
  • Add the phone number of the sender and the date on which it has been sent

For more details please check Telecom Commercial Communications Customer Preference Portal

SEBI Complaints Redress System (SCORES)

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SEBI has a centralized web based complaints redress system (SCORES). This enables investors to lodge and follow up their complaints and track the status of redressal of such complaints from anywhere. This also enables the market intermediaries and listed companies to receive the complaints from investors against them, redress such complaints and report redressal. All the activities starting from lodging of a complaint till its disposal by SEBI are carried online in an automated environment and the status of every complaint can be viewed online at any time. An investor, who is not familiar with SCORES or does not have access to SCORES, can lodge complaints in physical form. However, such complaints would be scanned and uploaded in SCORES for processing.

SCORES  is web-enabled and provides online access 24 x 7.  It has the following salient features:

  • Complaints and reminders thereon are lodged online at anytime from anywhere;
  • An email is generated instantaneously acknowledging the receipt of the complaint and allotting a unique complaint registration number for future reference and tracking;
  • The complaint moves online to the entity (intermediary or listed company) concerned for its redressal;
  • The entity concerned uploads an Action Taken Report (ATR) on the complaint;
  • SEBI peruses the ATR and disposes of the complaint if it is satisfied that the complaint has been redressed adequately;
  • The concerned investor can view the status of the complaint online;
  • The entity concerned and the concerned investor can seek and provide clarification(s) online to each other;
  • The life cycle of a complaint has an audit trail; and
  • All the complaints are saved in a central database which would generate relevant MIS reports to enable SEBI to take appropriate policy decisions and or remedial actions.

Investors are welcome to visit the website http://scores.gov.in and lodge their complaints, if any, thereon. For any queries/ feedback or assistance, please contact 022-26449188/ 26449199/ 40459188/ 40459199 or e-mail to scores@sebi.gov.in