Searching for ‘Sickness’

Cancer screening is not only useless but downright dangerous. The best studies (these are studies done over 10-year durations in Canada, the US and Europe) have found that you have to screen 2,100 women every year for 11 years to prevent one death. So, to answer the question, ‘Is it lifesaving?’ Yes. One in 2,100 women would benefit from being screened over an 11-year period.
But, at the same time, of those 2,100 women, about 600 to 700 will have a false-positive. They will find something unusual or something abnormal and that will require biopsies, open surgeries, mastectomies and psychological trauma wrote Alan Cassels of University of Victoria (BC) who has authored several books on screening. The best one, according to me, was: Seeking Sickness: Medical Screening and the Misguided Hunt for Diseases. This book is an encyclopaedia of the scam of screening.

 

Screening in apparently healthy people is encouraged mainly to make lots of money from post-screening activities. It is just another marketing trick and a potentially dangerous one at that.
One can have a cancer in his/her body and live a perfectly long and healthy life. The cancer literature in medical science which is funded by the industry is mostly wrong. John Ioannidis at Stanford found that most of those studies cannot be replicated independently. Of the hundreds of studies by John Ioannidis, most did not stand up to scrutiny. This applies especially to cancers and statin drugs for prevention.
I would end this by quoting Dr Andrew Oxman of the Norwegian Knowledge Centre for the Health Services in Oslo, who told Reuters: “There are lots of examples where things start to be used and have entered the market based on surrogate outcomes and then actually proved harmful.” He mentioned the heart rhythm drugs encainide and flecainide which, for many years, were given to people with acute heart attacks. But trials showed they were actually bad for these patients.
“These drugs were given by well-meaning clinicians, but they actually killed more people than the Vietnam War did,” Oxman said. I still remember the days when I was senior registrar in cardiology at The Middlesex Hospital, London, where the protocol in the CCU was to give all these drugs one after another even if a couple of innocent premature beats are seen on the monitor in this order—Lignocaine, procainamide, encainide, flecainide. Most of these drugs were later shown to be killers!
“When it comes to screening, a doctor who says ‘Let’s err on the side of caution,’ may actually err on the side of reckless ignorance and grave harm.” – Otis Webb Brawley
(Professor Dr BM Hegde, a Padma Bhushan awardee in 2010, is an MD, PhD, FRCP (London, Edinburgh, Glasgow & Dublin), FACC and FAMS.)
Click Here for the full article in MoneyLife

Beware of these 6 common household items that cause cancer

Most people probably live under the assumption that their place of dwelling is a safe haven from all the dangers that lurk “out there.” But little do they know that many common household products contain deadly chemicals that are known to cause cancer, reproductive harm, birth defects and other health damage. Here’s six of the most popular categories to avoid for the safety of you and your family:

  1. Air Fresheners
  2. Candles
  3. Art Supplies
  4. Shampoos & Conditioners
  5. Antiperspirant deodorants
  6. Shower Curtains

Click Here to learn more

The 21 curious questions we’re never allowed to ask about vaccines

Intelligent questions — which the vaccine industry characterizes as “dangerous” — are the greatest threat to the vaccine delusions still being played out across the world today, which is precisely why such questions are not allowed to be asked. Those daring to ask such questions are now being threatened with mass arrest and imprisonment — that’s how vulnerable the fraudulent vaccine industry has now become. It can be brought down by mere words if only those words are allowed to be circulated.

What sort of questions are we not allowed to ask? Here are 21 censored questions the obedient, pharma-controlled mainstream media will never dare ask:

Learn more: http://www.naturalnews.com/048467_vaccine_industry_intelligent_questions_scientific_principles.html#ixzz3QYdFhcaW

20 Things You Should Throw Away for Better Health

Ready the recycling bin – 

Loan settlement? Here is what you need to be careful about

loans, borrower, loan settlement, loan repayment, ABN AMRO Bank, NOC, Dadar Police Station, Delhi Police

Seven years after he settled a loan, a borrower is being subjected to numerous calls, notices and even arrest warrant. The only mistake, he committed was not to collect the NOC and account statement from the lender after his settlement 

Mumbai-based trader Ramnik Patel (name changed) was happy and relieved when in 2007 he repaid Rs58,000 to ABN AMRO Bank as full and final settlement against his loan outstanding. Seven years down the line, he is receiving calls from recovery agents, and notices from lawyers and warrants from places located thousands of kilometres away from Mumbai. He is not only disturbed, but feels like being mentally tortured just because a small mistake committed by the bank while updating its record.

In 2005, Patel took a personal loan of Rs2.15 lakh from ABN AMRO Bank. However, during 26/7 monsoon fury, he suffered heavy loss and could not repay his loan on time. Then on 21 March 2007, he received a letter from the Bank offering him a settlement. As per the offer letter, he was asked to pay Rs58,000 in two tranches of Rs29,000 each. The Bank also promised him that it would hand over all his unused post-dated cheques (PDCs) and no-objection certificate (NOC) within seven working days of the loan being closed on its system.
After accepting the offer from the Bank, Patel, promptly paid Rs29,000 each time on 28 March 2007 and 20 April 2007 to ABN AMRO Bank as per the settlement offer.
Meanwhile, ABN AMRO Bank was sold to Royal Bank of Scotland (RBS). RBS then sold all the debts of ABN AMRO to Kotak Mahindra group. Phoenix Asset Reconstruction Co Pvt Ltd, a unit of Kotak Mahindra group handles the recovery of these debts acquired from RBS.
Suddenly, in 2012, he received a phone call from somebody called as Choudhary from Patiala Parliament Police Station informing that there was a case filed against him and warrant was also issued by the Court. The warrant was sent from Delhi Police to Dadar Police station in Mumbai for execution. When Patel reached Dadar police station, he was told that a case was filed against him in 2011, which was transferred to Delhi Court. This was related with the loan he took from ABN AMRO Bank, he was told.
Here is a Checklist if you are going for a settlement with a lender…
  1. Keep copies of all your written communication with the lender
  2. Always have everything in writing (Even if you receive a phone call, send an acknowledgement mentioning points discussed during the call)
  3. Keep copies of the settlement letter, cheque/DD or pay order you submitted
  4. After the settlement, obtain a NOC and collect all your post-dated cheques, if any
  5. Do no forget to collect your loan account statement that shows zero balance

Interestingly, Patel never received any notice, memo or any warrant for his arrest from anybody until the phone call from Choudhary. Patel, then asked his lawyer to send reply to all concerned, including one lawyer called S Gupta from Delhi and police stations at both Delhi and Mumbai.

Again, in November 2013, Patel received a notice from Mumbai-based lawyer on behalf of Phoenix ARC Pvt Ltd. The lawyer, in the notice invited Patel to settle his loan in a conciliation camp (for settlement) organised by Kotak Mahindra Bank on 2 December 2013. The lawyer claimed that as on 30 April 2012, Patel had an outstanding of Rs42,811.95 that would have to be repaid along with an interest of 2% per month. Patel, then again had to reply to this notice and submit all the documents.
Next year, on 3 April 2014, Patel received a notice from the Mumbai District Legal Services Authority to be present during a hearing in the Lok Nyayalaya on 12th April. Phoenix ARC had approached the Lok Nyayalaya to take up the matter.
Patel went to the hearing and put forward his case. After looking at the documents and hearing Patel’s side, the representative of Phoenix agreed to verify his account and get back to him within seven days. They even gave an undertaking in writing.
This has been about nine months, since Patel went to the Lok Adalat and yet there is neither any response from the Bank nor any respite to him from the recovery agents.
So what went wrong with Patel? From his side, he did not collect the NOC and unused PDCs from ABN AMRO Bank, while the Bank failed to make necessary changes into its account books. This also raises big question, on how can a big lender like ABM AMRO forgets to update its loan book and record the settlement and passes on the same as dues to the buyer. In addition, since ABN AMRO no longer exists, how and where the borrower, who is being shown as defaulter, and harassed for recovery of dues that he had already paid, would go?
If you are facing similar issues, then you may want to take help from Moneylife Foundation’s free Credit Helpline  which offers free counselling to help you get out of this trap. In Mr Patel’s case, he approached the Credit Helpline and Moneylife Foundation’s trustees have also taken up this case with the Reserve Bank of India’s customer services department.

Implications of VAT/Service Tax on Redevelopment

Whether all receipts in the hands of the Society/ its individual members shall be net of Vat and Service Tax Responsibility/ liability of Society/Its Members towards the same for services rendered to it by professionals/consultants.

Ans. As Society is not providing any Services to the Developer, the Society is not liable to pay Service Tax or VAT on any of the payments receipt by the Society in the form of reimbursements or Corpus Money or Compensations, etc. If the Society is making any payment of Fees to the Professionals or Contractors, then the Society is liable to pay Service Tax @10.3% to the Professionals and Service Tax or Vat to Contractors on such a payment. The professionals and the Contractors would in turn pay the same to the respective Central Government or State Government as applicable.

Responsibility/ Liability towards stamp duty.
Responsibility/Liability of the Society/its individual members towards Stamp Duty, if any, in transition from surrender of existing premises to the Develop to the occupation and registration of the Redevelopedpremises
Ans. Normally, in the cases of Redevelopment, the Stamp Duty and the Registration Charges on surrender of the existing premises to the Developer for the purpose of Redevelopment would be paid by the Developer. Whereas, when the Individual Members receives the Redeveloped Premises from the Developer, he is liable to pay Stamp Duty and Registration Charges on the same. The Stamp Duty payable would be on the cost of construction of the present area of the Premises and on the market value for the extra area received as per the Ready Reckoner Value published by the Government of Maharashtra every year on 1st January.

Click Here for the original story from Accommodation Times

Service Tax on Societies, Clubs & Associations

The service tax department started demanding service tax on member’s contributions in 2005. In 2006, a “clarification” was issued confirming such demand. This is applied to member’s contribution towards expenses of a Cooperative Housing Society, membership subscription of associations, and similar collections.

Maharashtra Chamber of Commerce Industry Agriculture, circulated this demand through its Patrika of January 2008. Subsequently, there was a meeting with the finance secretary; where the finance secretary reminded members that contributions below Rs.3000 were exempted. This satisfied most members and the issue was abandoned.

Litigation in Kolkata and Delhi High Courts confirmed that where every member was a share-holder and every share-holder was a member, there was no provision of service from one entity to another and therefore the application of service tax does not arise. However, this stand has not been accepted by the service tax department. A 2014 circular confirms service tax on contributions to Resident Welfare Associations.

At present, several housing societies are collecting and paying service tax. Associations, clubs and chambers of commerce are also collecting tax on membership subscriptions.

A report in Times of India of 2015 Jan.13 states that two societies have secured a favourable decision in the Mumbai High Court. This is good news not only for the two societies; but also for thousands of other societies and associations. It states:

“The CESTAT decision is the first of its kind for the western zone. The tribunal, based on decisions of other jurisdictions, accepted the principle of mutuality – the society provided services to itself which could not be subject to service tax. However, finality will be reached only once the Supreme Court adjudges on a similar matter pending before it”, said Bakul Mody, chartered accountant, who represented Mittal Towers.

We should be thankful to the two societies and Bakul Mody for taking up the fight. Now let us support them by joining in the fight.

M. B. Damania.

2015 Jan.13

Click Here for copy of the order

 

Housing Societies Service Tax

How to get rid of telemarketers

Still receiving marketing calls and SMS? File a complaint against them either by calling a toll free number or via SMS. The penalty they face is strong.
After the Telecom Commercial Communication Customer Preference Regulations, 2010, it was expected that mobile subscribers will not receive unsolicited commercial communication (unwanted calls/SMS) from telemarketers from 27 September 2011 onwards. But the menace still continues and mobile users are being harassed by unwanted calls and SMS, albeit at lower frequency.
However, there is a small difference. Earlier, we used to receive calls or SMS from numbers that we could identify (after few calls). Now they are originating mostly from personal mobile numbers. For example, earlier we used to receive calls from numbers like 012466005000 (representation only) or similar such numbers. However, these days it can be any mobile number. And since most of the times, it is an unknown number; users are fooled into receiving the call or reading the message.
On its part, the TRAI has created the National Customer Preference Register (NCPR) that keeps records of subscriber preferences for receiving commercial communication. Under NCPR, there are two categories, fully blocked and partially blocked. If you do not want to receive any unwanted calls or SMS, then send an SMS START 0 to 1909. At present there are seven preferences to choose from for partially blocking unwanted calls or SMS. The user can opt to receive such communication based on her choice by sending a SMS for example START 4 to 1909 to receive messages on health products.
If despite registering for fully blocked category if you are receiving unwanted calls and messages, then you can file complaint against the telemarketer. You can also file complaint, if you are receiving such communication from categories other than you allowed. This is quite simple and easy.
The subscriber can file complaint either by dialling 1909 (toll free) or sending SMS. When you dial the toll free number, you can either register the complaint through the customer care executive or through the Interactive Voice Response System (IVRS).
For this method, you would be required to provide particulars of the telemarketer, the telephone/ mobile number from which you received the call/SMS, date and time and a brief description of the call or SMS. After this, you will get a unique complaint number.
For registering the complaint via SMS, you need to send a SMS to 1909 in the specified format.
“COMP TEL NO XXXXXXXXXX, dd/mm/yy, Time hh:mm”
Where XXXXXXXXXX – is the telephone number or header of the SMS, from which the unsolicited commercial communication has originated.
Here you would receive the complaint number via SMS. In both cases, you would be informed within seven days on the action taken on your complaint.
Important thing to keep in mind is the complaint has to be registered from the telephone number on which unsolicited commercial communication has been received and the complaint must be made within three days of receipt of the unsolicited commercial communication.
According to the Telecom Commercial Communications Customer Preference (Thirteenth Amendment) Regulations, 2013, if the telemarketer is found to be not registered with the NCPR, then the service provider (mobile operator) is liable to pay financial disincentives of Rs5,000 on each complaint.
In addition, if the unwanted call or SMS contains reference to another telephone number or an entity like bank, insurance company or builder for which the commercial transaction is solicited, then telecom resources issued to the subscriber or entity is discontinued across all service provides after receiving a complaint, after serving notices each on the first and second complaint.
For example, if you received marketing call from XYZ Bank or ABC Insurance Co, from numbers that are not registered as telemarketers, then your complaint and its follow up may lead to disconnection of all telephone/mobile connections provided to XYZ Bank or ABC Insurance across the country.
If your issue is not resolved, then you may want to use the Right to Information (RTI) Act. File an application under the RTI and ask for daily progress, name and designations of officers who handled your complaint, the time frame to resolve such complaints, and the action taken on officials, who have failed to resolve the complaint within the stipulated time.
Another way to get rid of the telemarketers is to use an application on your smartphone. For example, TrueCaller and SPC (Super Private Conversation). TrueCaller allows the user to identify unknown callers and also block spam or unwanted calls. In addition, you also can mark a call as spam and report that helps other users of TrueCaller to avoid such calls. Only disadvantage is you will have to share you phone book with the app. TrueCaller is available for Android, iPhone, Windows Phone and BlackBerry devices.
SPC is an app for Android platform that blocks SMS and calls from unknown sources through a blacklist. In addition, the user can move private conversation to a private place inside the mobile device. The app is simple and easy to use and block unwanted SMS and calls.
Although, you can file a complaint against a telemarketer if you receive unwanted call or SMS, there is no respite from such communication on instant messengers like WhatsApp.  Although, you can block such number in WhatsApp, you need to open and read the message before knowing the identity of the sender.
At present there are over 90 crore mobile subscribers in India. Low tariffs and direct reach to consumers has made SMS and direct calling as one of the most cost effective ways of selling services and products. However, telemarketing had brought with it serious issues of invasion of privacy and has become a major irritant to customers. Although, this is has come down tremendously, there still are some telemarketers, who are troubling subscribers through unwanted calls and SMS. However, you can now file complaint against such telecallers and teach them a lesson for disturbing you with their unwanted calls/SMS.

Child Password

You protect your email, your Bank Account and your phone with your Password – why not your child ?

You can help prevent your child from being abducted by simply doing the following:

1. Create a special password that is shared by you and your child and other trusted people. Under no circumstances should this be shared with anyone else.

2. Make sure your child memorises it.

3. If a stranger approaches your child and tries to convince him or her to come with them, your child should demand the password.

4. If the stranger doesn’t know the password, your child should refuse to go with the stranger and immediately alert a nearby teacher, parent or policeman.

www.childpassword.com

Income Tax Exemption on Tenants under Redevelopment

Where a tenant is provided accommodation in the new building on ownership basis, the value of accommodation for the purpose of determining the capital gains shall be the fair market value of the tenancy rights transferred and the cost of acquisition being ‘Nil’, the entire value will be subject to capital gains. However, since the tenancy rights are exchanged for the ownership of a flat, it can be considered as purchase of a residential house by investing the full value of consideration received on surrender of tenancy rights and the tenant would be entitled to claim the reinvestment benefit available under section 54F, subject to compliance of the certain conditions stipulated therein. However, serious difficulties may arise where new premises received in lieu of surrender of tenanted premises are commercial premises, since in such cases the tenant shall not be able to claim the reinvestment benefit available under section 54F as the reinvestment is in a property, other than a residential house. Hence, extreme care should be taken while drafting the agreements so as to ensure that the tenant does not end paying huge capital gains tax on the basis of market value of the tenanted premises upon surrender of tenanted premises for the commercial premises. In such a situation, it is advisable for the tenant to pay nominal consideration to the landlord i.e 120 month’s rent for acquiring ownership rights in the commercial premises.

Click Here for the detailed explanation

Latest Judgements on Income Tax related matters in Redevelopment process

https://timesofindia.indiatimes.com/india/Compensation-for-redevelopment-not-taxable/articleshow/53892970.cms