India’s first Mobile Application for Women Safety

Tech Mahindra had long back developed an application called FightBack which was being used only by the staff members of Mahindra Group.
After the gang-rape of a woman in New Delhi, Mahindra’s has now thrown open this smart phone application for public use, beyond Mahindra employees.
The FightBack application tracks a user’s location and sends SOS messages to selected contacts in case of an emergency.
This application is now available for download on the company website for free & IS ONLY FOR INDIAN MOBILE NUMBERS.
The FightBack app allows the user to press on a panic button whenever he/she feels unsafe.
It tracks the location using GPS and alerts chosen contacts about the location map and is available on Android and Blackberry.

Aadhaar for LPG Gas Cylinder Connections

The Government of India is launching “Direct Transfer of Cash Subsidy to Domestic LPG customers” in the districts of Amravati, Nandurbar, Mumbai+Suburban, Pune & Wardha of Maharastra State and in the districts of East Nimar (thandwa), Harda & Hoshangabad of Madhya Pradesh State.

All the domestic LPG customers will then get subsidy directly in their Aadhaar linked bank account for 6 LPG cylinders per financial year only, if they provide:

1. Aadhaar Number

2. Link their Aadhaar Number to their Bank Account

If you have an Aadhaar letter and a savings bank account linked to your Aadhaar Number => Go to your LPG Distributor and submit it (for verification carry your Original Aadhaar letter)

aadhaar 1

If you have Aadhaar letter but do not have a savings bank account linked to your Aadhaar number = > Link your savings account  to your Aadhaar number by visiting your Bank = > Create your Aadhaar Registration Sheet  (as shown in Sample) => Go to your LPG Distributor and submit it (for verification carry your Original Aadhaar letter)


It you do not have your Aadhaar letter
 => Visit the Aadhaar Enrolment center in your area => Get your Aadhaar letter =>  Create your Aadhaar Registration Sheet  (as shown in Sample) => Go to your LPG Distributor and submit it (for verification carry your Original Aadhaar letter)

Addhaar in LPG marketing is expected to improve portability, increase competition, enhance customer satisfaction, streamline subsidy disbursement and reduce subsidy outgo.

1. At the time of enrolment Aadhaar number is validated through biometric and demographic authentication.
2. Customer places a refill request to the distributor through various channels.
3. The refill request is updated automatically or the distributor enters the same in the application.
4. Distributor loads the details of the day’s delivery into a PoS device.
5. The delivery boy carries the PoS device and filled cylinders to customer premises.
6. Aadhaar Authentication request of customer sent to CIDR (UIDAI system).
7. Online verification response from CIDR to PoS device, followed by receipt of empty cylinder, printing of cash memo and collects payment at market price against delivery.
8. The information from handheld device is uploaded into OMCs central system real time.
9. Central server sends a batch file at predefined frequency with Aadhaar Numbers of Customer (beneficiary) and subsidy amount to be paid to Sponsor Bank.
10. Sponsor Bank initiates cash transfer through NPCI Gateway to the bank account of the Customers.

More information at http://www.indane.co.in/aadhaar.php

LPG subsidy cash to be deposited in your a/c by July 2013! – Click Here for more information

For more detailed information on Aadhaar enabled Service Delivery – Click Here

Save more in provident fund, but take home less as salary

A recent circular issued by the EmployeesProvident Fund Organisation – which comes under the ministry of labour and employment – will reduce the take home pay of salaried employees. As per this circular, various allowances paid to employees will have to be added back to the basic salary and provident fund contributions computed against this higher value. This, in turn, will mean a lower take home pay.

The circular dated November 30, 2012, was issued after internal review meetings held in late November and has been forwarded to Employee Provident Fund offices across India.

Historically, most companies have been computing provident fund (PF) contributions (at 12% each by the employer and employee) against basic salary and dearness allowance only. However, the definition of basic wages has been a contentious issue, with PF authorities claiming that companies split the basic wages into various allowances to reduce the quantum of PF contributions.

Click Here for details.

 

Mind your Mind to Stay Healthy

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

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

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

 

 

Passport Seva Project (PSP)

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

 

Unique Identification Authority of India (UIDAI)

What is Aadhaar?

Aadhaar is a 12 digit individual identification number issued by the Unique Identification Authority of India on behalf of the Government of India.

This number will serve as a proof of identity and address, anywhere in India.

Any individual, irrespective of age and gender, who is a resident in India and satisfies the verification process laid down by the UIDAI can enrol for Aadhaar.

Each individual needs to enroll only once which is free of cost.

Each Aadhaar number will be unique to an individual and will remain valid for life. Aadhaar number will help you provide access to services like banking, mobile phone connections and other Govt and Non-Govt services in due course.
Some other information about Aadhaar:
Aadhaar will be:

Easily verifiable in an online, cost-effective way
Unique and robust enough to eliminate the large number of duplicate and fake identities in government and private databases
A random number generated, devoid of any classification based on caste, creed, religion and geography
Click Here for the official website
Click Here for How to Enrol
Click Here for Where to Enrol
Click Here for the Enrolment Form