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Thursday, 2 October 2014

CLEANLINESS DRIVE- SWACHH ABHIYAN IN INDIA

Dear Countrymen
Namashkar
Vande Mataram


CONGRESS SHUD READ ARTICLE 51A OF THE CONSTITUTION AND SHOULD HAVE PRACTICED- WHICH DEALS WITH FUNDAMENTAL DUTIES OF CITIZEN OF INDIA and Review its mess in last 60 years of Rule.

DEMOCRACY IS A PHILOSOPHY AND MORE DANGEROUS THAN DICTATORSHIP,COMMUNISM,Dynasty- Because it can be practised by Honest and Disciplined People- It is Not Meant for Corrupt and scumbags.

Applying lateral Thinking Concept- Daily morning brooming of Roads will reduce the Tummy or ponches and for 100 meters- it burns 5500 calories
-Shukla should start and Institute with Kejrivwal as THE VICED CHANCELOR.

IN CHENNAI ONLY PRIVILEGED CLASS WHICH IS NOT TOWED BY TRAFFIC POLICE- OCCUPYING 30 % OF THE ROAD ARE THE GARBAGE BINS- IN FACT THEY ARE THE FIRST CLASS CITIZEN- One Person in our neighborhood is pulling all nerves and muscles to clean up his RA PURAM-CHENNA-28. How many are  joining them?????

It is the Job of every Indian to Keep the Nation clean and Media is no exception-see Rajdeep Sardesai's behaviour in USA. He is no exception.

If the NATIONAL INDESCIPLINE INDEX COMES DOWN BY SAY 0.05% THE GDP GOES UP BY RS 2,50,000 CRORES- I CAN CHALLENGE ANY OR ALL THE CHARTERED ACCOUNTS IN INDIA.

PEOPLE MAY ASK - WHO IS THIS GUY GIVING LECTURE-  THE FACT IS NO STATEMENT IS MADE WITHOUT ACTION PRECEDING IT- One Can and see what all we have done  and every day we have argument not with illeterate People- Mind you Educated people- IIMS- CA's IIT's TOP Honchos travelling in Jaguar- BMW- Mercedes- DUGAR MANSIONS- CEEBROS = MANY OF THEM EARNING 10 LACS 20 LACS SALARY PER MONTH AND TRAVEL BY EXECUTIVE CLASS.

IS IT TAMIL KALACHARAM
TO PASS URINE IN PUBLIC- LITTER AROUND- TAKE BRIBE-VOILATE TRAFFIC LAWS, INDULGE IN CORRUPTION-LOOT THE TREASURY ETC. ONCE UPON A TIME I USE TO GO BY BOAT ON THIS VERY BUCKINGHAM 
CANAL- TODAY WAT A MESS- IS THIS TAMIL KALACHARAM?

THERE IS A SAYING  EVEN A DOG  ( KUTTA) keeps its place clean.

Read Interesting article appended Below: 

WHETHER IT IS REAL OR TOKENISM WHAT WERE PEOPLE DOING SINCE AUGUST 15TH 1947>  

MAHATMA GANDHI GOT INDEPENDENCE TO INDIA WITH ONE AND HALF METERS OF CLOTHE AND LANGOTI- TODAY WE ARE ALL STANDING WITH HIS DRESS- BUT THE LOOTERS- SCAMSTERS ETC WEARING COSTLY DRESS DIRTYING THE NATION IN ALL SPHERES.

Why Tharoor was Invited asked the Congress- Instead of criticizing- they should have come in large Numbers and Joined the Movement- It seems IT IS A SILENT DHARNA AND PROTEST BY CONGRESS AGAINST THE MOVEMENT.

IT WOULD HAVE BEEN GOOD EXERCISE FOR THE SPOKES PERSON WHO MADE A RASH STATEMENT= PHOTO OPERATION TOKENISM blah blah.

Dispelling the haze of 'modernisation'.


29 September 2014


[The present initiative to bring about a larger awareness and determination to achieve national cleanliness is a welcome return to our values and traditions]

A high state of order, sublimity and well-functioning local institution has usually been expressive of an advance civilisational stage. 

To a number of observers, India appeared as such throughout the ages. 

It may be periodically useful to recollect these past perceptions, were gradually lost to us. 

It is said that the "conquest and defeat of a civilisation generally leads not only to its disintegration" but also to the "disappearance of precious knowledge associated with it." 

The disappearance of that precious knowledge remains a crucial and formidable road-block in any nation's quest for recovering a deeper and a larger sense of self-hood.

An Englishman's description of "Hindoo" society, as he saw it in the early 1790s, when colonial system had not begun to extract and ravish the land and its indigenous frameworks, makes a fascinating reading of our collective self and capacities. 

In his "Sketches of the Hindoos" (1790, 1792), Q Craufurd, for example, noted that where the"destructive hand of the conqueror" had not fallen, the Hindoos, under their "native sovereigns" were "governed on principles of the most just and benevolent policy. In those countries (local principalities) the lands were highly cultivated; the towns and their manufacture flourish; the villages were composed of neat and commodious habitations, and filled with cheerful inhabitants; and wherever the eye turned, it beheld marks of the mild protection of the Government, and of ease and industry of the people." 

Craufurd saw this especially in the southern parts, a region which had remained relatively insulated from invading hordes.

Systems in place ensured that even some of the basic requirements were catered to by a well-laid out system of public conveniences, as Craufurd recorded, "the traveller was enabled to journey through this immense country with ease and safety; the public roads were shaded with trees to protect him from the scorching sun; at convenient distances buildings were erected for him to repose in…hospitality and laws held out assistance, protection to all alike, without prejudice or partiality."

The memory of these past entrenched positive characteristic at times aid in present initiatives and aspirations at self-excelling, not compulsorily, but usually if one is determined to derive a rational dynamism from the past achievements, the descriptions of which, over the centuries, have been gradually hidden from us. 

These descriptions and perceptions of India were deliberately omitted so that generations grew up reading a history which Rabindranath Tagoredescribed as a "dismal chronicle of India's repeated defeats and humiliations in her political competition with foreigners from Alexander to Clive." 

The "grandeur of the physical beauty of India" and of her moral greatness were lost to young India which was compelled to spend days, as the poet observed, "in the dark corners of the history our national humiliation which was the then text-book of Indian history…" 

Such history was meant to fade away the memory and even practices of a vibrant civilisational past and to replace it with a faltering and uncertain sense of national capacities and abilities.

Empirical evidences abound of the highly refined achievements and characteristics of Hindu society of the past. 

History records, since time immemorial, how well-laid our cities were, standing not in defiance of but in deference to nature.

Cleanliness, orderliness and sensitivity have always been some of its dominant traits and manifestations, whatever may be its present challenges. 

A British painter William Hodges, for example, who travelled across India between 1780-83, was struck by a"surprising spirit of cleanliness" among Indians, "the streets of their villages are commonly swept and watered, and sand is frequently strewed before the doors of the houses."

The present initiative to bring about a larger awareness and determination to achieve national cleanliness is thus an effort to bring to efflorescence a deeply intrinsic Indian habit, the memory of which we have lost in a debilitating haze generated from an ill-regulated and eventually all-consuming fire called modernisation.

---------------------------------------------------------------------------
RELATED PLEASE :

From, Arun Shourie's "MISSIONARIES IN INDIA-CONTINUITIES, CHANGES, DIELEMMAS". 

This pertains to the evidence presented by a British lawyer to the "Select Committee on Indian Territories"in 1853. 

Excerpts. 

" Indeed,when I turn my eyes either to the present condition or ancient grandeur of that country; when I contemplate the magnificience of her structures---- when I survey the solid and embellished architecture of her temples and exquisite skill of her manufacturers and fabrics-when I turn to the philosophers, lawyers and moralists who have left the oracles of of political and ethical wisdom to restrain the passions and to awe the vices which disturb the commonwealth;--- when I see amongst a cheerful and well ordered society,the benignant and softening influence of religion and morality,a system of manners founded on a mild and polished obeisance,--- , I cannot hear without surprise, mingled with horror, of sending out Baptists and Anabaptists to civilise or convert such a people at the hazard of disturbing or deforming institutions which appear to have hitherto been the means ordained by Providence of making them virtuous and happy".

Unquote
MSSUBRAMANIAM

__._,_.___

Posted by: Ms Subramaniam <contact_mss007@yahoo.in>

 परोपकाराय फलन्ति वृक्षा: परोपकाराय वहन्ति नद्यः।
 परोपकाराय दुहन्ति गावः परोपकाराय इदं शरीरम्।।
            
 
 
                                          ( hari krishnamurthy K. HARIHARAN)"
'' When people hurt you Over and Over think of them as Sand paper.
They Scratch & hurt you, but in the end you are polished and they are finished. ''
யாம் பெற்ற இன்பம் 
பெருக  வையகம் 
follow me @twitter lokakshema_hari

லலிதா நவரத்தின மாலை காப்பு

















லலிதா நவரத்தின மாலை
காப்பு
------------
ஆக்கும் தொழில் ஐந்தரனாற்ற நலம்
பூக்கும் நகையாள் புவநேஸ்வரிபால்
சேர்க்கும் நவரத்தின மாலையினை
காக்கும் கன நாயக வாரணமே
மாதா ஜய ஓம் லலிதாம்பிகையே
மாதா ஜய ஓம் லலிதாம்பிகையே
மாதா ஜய ஓம் லலிதாம்பிகையே
மாதா ஜய ஓம் லலிதாம்பிகையே
1. வைரம்
-------------
கற்றும் தெளியார் காடே கதியாய்
கண்மூடி நெடுன்கன வான தவம்
பெற்றும்தெரியார் நிலை என்னில் அவம்
பெருகும் பிழையேன் பேச தகுமோ
பற்றும் வயிரப் படைவாள் வயிர
பகைவர்க் கெமனாக எடுத்தவளே
வற்றாத அருட் சுனையே வருவாய்
மாதா ஜெய ஓம் லலிதாம்பிகையே (மாதா...)
2. நீலம்
----------
மூலக்கனலே சரணம் சரணம்
முடியா முதலே சரணம் சரணம்
கோலக் கிளியே சரணம் சரணம்
குன்றாத ஒளிக்குவையே சரணம்
நீல திருமேனியிலே நினைவாய்
நினைவற்றேளியேன் நின்றேன் வருவாய்
வாலைகுமரி வருவாய் வருவாய்
மாதா ஜய ஓம் லலிதாம்பிகையே (மாதா...)
3. முத்து
-----------
முத்தேவரும் முத்தொழிலாற்றிடவே
முன்னின்றருளும் முதல்வீ சரணம்
வித்தே விளைவே சரணம் சரணம்
வேதாந்த நிவாசினியே சரணம்
தத்தேரிய நான் தனையன் தாய் நீ
சாகாத வரம் தரவே வருவாய்
மத்தேருததித் கினை வாழ்வடையேன்
மாதா ஜய ஓம் லலிதாம்பிகையே (மாதா...)
4. பவழம்
-------------
அந்தி மயங்கிய வானவிதானம்
அன்னை நடம் செய்யும் ஆனந்த மேடை
சிந்தை நிறம் பவளம் போழிவாரோ
தேம்போழிலாம் இதை செயதவளாரோ
எந்தயிடத்தும் மனத்தும் இருப்பாள்
என்னுபவர்க்கருள் என்னமிகுத்தாள்
மந்திர வேத மயப்பொருள் ஆனாள்
மாதா ஜெயா ஓம் லலிதாம்பிகையே (மாதா...)
5. மாணிக்கம்
-------------------
காணக் கிடையா கதியானவளே
கருதக்கிடையா கலையானவளே
பூனக் கிடையா பொலிவானவளே
புனைய கிடையா புதுமைத்தவளே
நாணித் திரு நாமமும் நின் துதியும்
நவிலாதவரை நாடாதவளே
மாணிக்க ஒளிக் கதிரே வருவாய்
மாதா ஜய ஓம் லலிதாம்பிகையே (மாதா...)
6. மரகதம்
--------------
மரகத வடிவே சரணம் சரணம்
மதுரித பதமே சரணம் சரணம்
சுரபதி பணியத் திகழ்வாய் சரணம்
சுருதி ஜதி லயமே இசையே சரணம்
அர ஹர சிவனென்று அடியவர் குழும
அவரருள் பெற அருளமுதே சரணம்
வரணவ நிதியே சரணம் சரணம்
மாதா ஜெய ஓம் லலிதாம்பிகையே (மாதா...)
7. கோமேதகம்
---------------------
பூமேவிய நான் புரியும் செயல்கள்
பொன்றாது பயன்குன்றா வரமும்
தீமேலிடினும் ஜெய சக்தியென
திடமாய் அடியேன் மொழியும் திறமும்
கொமதகமே குளிர் வான் நிலவே
குழல்வாய் மொழியே தருவாய் தருவாய்
மாமேருவிலே வளர் கோகிலமே
மாதா ஜெய ஓம் லலிதாம்பிகையே (மாதா...)
8. பதுமராகம்
-------------------
ரஞ்சனி நந்தினி அங்கனி பதும
ராக விலாச வ்யாபினி அம்பா
சஞ்சல ரோக நிவாரணி வாணி
சாம்பவி சந்திரா கலா தரிராணி
அஞ்சன மேனி அலங்க்ருத பூரணி
அம்ருத ஸ்வரூபிணி நித்ய கல்யாணி
மஞ்சுள மேரு ச்ருங்க நிவாசினி
மாதா ஜெய ஓம் லலிதாம்பிகை (மாதா...)
9. வைடூரியம்
---------------------
வலையோத்த வினை கலையொத்த மனம்
மருளப் பரையாரொலியொத்த விதால்
நிலைஎற்றேளியேன் முடியத்தகுமோ
நிகளம் துகளாக வரம் தருவாய்
அலைவற்றசைவட் ரனுபூதி பெரும்
அடியார் முடிவாழ் வைடூரியமே
மலையத்துவசன் மகளே வருவாய்
மாதா ஜெய ஓம் லலிதாம்பிகையே (மாதா...)
பயன்
--------
எவர் எத்தினமும் இசைவாய் லலிதா
நவரத்தின மாலை நவின்றிடுவார்
அவர் அற்புத சக்தியெல்லாம் அடைவார்
சிவரத்தினமாய் திகழ்வார் அவரே... (மாதா...)
ஜெய சிவ ரமணீ குரு குஹ ஜனனீ -
ஜெயமனவள ஹரினீ
ஜெய ஓம் ஸ்ரீ மாதா -
மாதா - ஜெய ஜெய ஜெகன் மாதா
மாதா ஜெய ஓம் ஸ்ரீ மாதா-
மாதா - ஜெய ஜெய ஜெகன் மாதா











 परोपकाराय फलन्ति वृक्षा: परोपकाराय वहन्ति नद्यः।
 परोपकाराय दुहन्ति गावः परोपकाराय इदं शरीरम्।।
            
 
 
                                          ( hari krishnamurthy K. HARIHARAN)"
'' When people hurt you Over and Over think of them as Sand paper.
They Scratch & hurt you, but in the end you are polished and they are finished. ''
யாம் பெற்ற இன்பம் 
பெருக  வையகம் 
follow me @twitter lokakshema_hari

IMPORTANT INFORMATION ABOUT NOMINEE WILL YOUR NOMINEE GET THE MONEY ON YOUR DEMISE ??

IMPORTANT INFORMATION ABOUT NOMINEE 

WILL YOUR NOMINEE GET THE MONEY ON YOUR DEMISE ??

An important & must know article 

" Will your Nominee get the money on your demise ??? appended below for the info of the Members :--
Did you think that your nominee is the person, who will get all the money legally from your Life Insurance Policy and Mutual funds investments? 
Ha!
That is exactly what you'd think if you aren't aware of the legal aspects.
We assume a lot of things which sounds like they're obvious, but are not true from the legal point of view. 

Today, we'll concentrate on nominations in financial products.
For whom are we earning? 
For whom are we investing? 
Who, do we want to leave all our wealth to, in case something happens to us? 
It might be your children, your spouse, parents, siblings etc., or just a subset of these.
You also might want to exclude some people from your list Of beneficiaries!. 
So you think you will nominate person X in your Insurance policy, and when you are dead and gone, all the money goes to person X and he/she becomes the sole owner?
You're wrong, dude ! 
It doesn't work that way. 

Let's see how it actually does!

What is a nominee?
According to law, a nominee is a trustee not the owner of the assets. 
In other words, he is only a caretaker of your assets. 
The nominee will only hold your money/asset as a trustee and will be legally bound to transfer it to the legal heirs. 
For most investments, a legal heir is entitled to the deceased's assets. 
For instance, Section 39 of the Insurance Act says the appointed nominee will be paid, though he may not be the legal heir. 
The nominee, in turn, is supposed to hold the proceeds in trust and the legal heir can claim the money.
A legal heir will be the one whose is mentioned in the will. 
However, if a will is not made, then the legal heirs of the assets are decided according to the succession laws, where the structure is predefined on who gets how much. 
For example, if a man during his lifetime executes a will. 
In the will, he mentions his wife and children as legal heirs, then after his death, his wife and children are the legal owners of his assets. 
It is essential that one needs to execute a will. 
It is the ultimate source of truth and replaces the succession law. 
Nominee can also be one of the legal heirs.
Important-- Mention the Full Name, Address, age, relationship to yourself of the nominee. 
Do not write the nomination in favour of "wife" and "children" as a class. 
Give their specific names and particulars existing at that moment. 
If the nominee is a minor, appoint a person who is a major as an appointee giving his full name, age, address and relationship to the nominee.

Why is the concept of nominee?
So you might be wondering, if the nominee does not become the sole owner, why does such a concept of "nominee" exist at all?
It's pretty simple. 
When you die, you want to make sure that the Insurance company,
Mutual fund or your shares should at least get out of the companies and go to someone you trust, and who can further help, in process of passing it to your legal heirs.

Otherwise, if a person dies and hasn't nominated anyone, your legal heirs will have to go through the process of producing all kind of certificates like death certificates, proof of relation etc., not to mention that the
whole process is really cumbersome! 
(For each legal entity!
The insurance company, the mutual funds, for the shares, for the real estate..) . 
So, to simplify, if a nominee exists, these hassles don't happen, since the company is bound to transfer all your money or assets to the nominee. 

The company the goes out of scene & then, it's between nominee and legal heirs.

Example of Nomination

Ajay was 58 years old who died recently in an accident. 
As his children were settled, he wanted to make sure that his wife is the sole owner of allthe monetary assets. 
This includes his insurance policy and mutual funds.
So during his lifetime, he nominated his wife as a nominee in his term insurance policy and mutual funds investments. 

However,after Ajay's death things didn't turn up the way he wanted. 

The reason being Ajay did not leave a will. 
Though his wife was the nominee in all his movable assets, as per the law, his wife, along with children, were the legal heirs and all of them had equal right to Ajay's assets. 
One simple step which could have saved the situation was that Ajay should have made a will which clearly stated that only his wife was entitled to get all the money and not his children.

IMPLICATIONS OF NOMINATION ARE DIFFERENT FOR EACH CATEGORY!!

Nomination in Life Insurance
A policyholder can appoint multiple nominees and can also specify their shares in the policy proceeds. 

Nomination in life insurance has one limitation, as insurance policies are bought to secure your financial dependents, your first choice of nominee has to be your family members. 
Incase you want to nominate a non-family member like a friend or third party, you will have to show/PROVE the insurance company that there is some insurable interest for the person. 
This happens because of a Clause called PRINCIPAL OF INSURABLE INTEREST in insurance. 
Note that provision of nomination in life insurance is related to Section 39 of the Insurance Act.
Note that as per LIC website Nomination is a right conferred on the holder of a Policy of Life Assurance on his own life to appoint a person/s to receive policy moneys in the event of the policy becoming a claim by the assured's death. 
The Nominee does not get any other benefit except to receive the policy moneys on the death of the Life Assured.
A nomination may be changed or cancelled by the life assured whenever he likes without the consent of the Nominee. 
Make sure, you have a nominee for your policy for easy settlement of the claim, if you do not have any nominee mentioned
in the policy, it can turn out to be a disaster for your dependents to get a claim.

Nomination in Mutual funds
In case of mutual funds, you can nominate up to three people, who can be registered at the time of purchasing the units. 
While filling in the application form, there is a provision to fill in the nomination details.
Even a minor can be a nominee, provided the guardian is specified in the nomination form. 
You can also change nomination later by filling up a form which is available on the mutual fund company website.
Nomination in mutual funds is at folio level and all units in the folio will be transferred to the nominee(s). 
If an investor makes a further investment in the same folio,the nomination is applicable to the new units also. 
A non-resident Indian can be a nominee, subject to the exchange control regulations in force from time to time.
Nomination in Shares Quiz for you . 
Now you know what a nominee means and who actually gets the money. 
So if there is a husband H, with wife W and nephew N, and he has nominated his nephew N to be the nominee of his shares in demat account,
who will have the legal right to own the shares after husband's death? 
If you answer is wife, you are wrong in this case! In case of stocks, it does not work the usual way, if a will does not exist.
In the verdict, Justice Roshan Dalvi struck down a petition filed by Harsha Nitin Kokate, who was seeking permission to sell some shares held by her late husband. 
The Court noted that as she was not the nominee, she had noownership rights over the shares. 
Ms Kokate's lawyer had argued that as she was the heir of her husband who had died intestate (without a will), she should have ownership rights of the shares, and be able to do anything with them as she wished. 
In this case, Ms Kokate's husband had nominated his nephew in favour of the shares. 
Justice Dalvi however noted that under the provisions of the Companies Act and the Depositories Act, Acts which govern the transfer of shares, the role of a nominee was different.
"A reading of Section 109(A) of the Companies Act and 9.11 of the Depositories Act makes it abundantly clear that the intent of the nomination is to vest the property in the shares which includes the ownership rights there under in the nominee upon nomination validly made as per the procedure prescribed,as has been done in this case.
"It means that if you have not written a will, anyone who has been nominated by you for your shares will be the ultimate owner of those stocks, The succession laws on inheritance will not be applicable but in case, you have made a will, that will be the source of truth.

Nomination in PPF
Let me give you some shock first. 
If you have Rs 10 lakh in your public provident fund (PPF) account and you have not nominated anyone for your PPF account, your legal heirs will get maximum of Rs 1 lakh only! 
Yes, it's so important to have a nominee, now you get it. 
You can nominate one or more persons as nominee in PPF. 
Form F can be used to change or cancel a nomination for PPF. 
Also note that you cannot nominate anyone if you open an account for a minor.
Nomination in Saving/Current/FD/RD Account in Banks FD's also come with nomination facility. 
While opening a new account, there is a column for nomination in the same form and you should fill it. 
You can nominate two persons with first and second option. 
Note that in case you have not done any nomination till now, you should request Form No DA-1 from your Bank which is used to assign a nominee in future. 
(Examples of ICICI Bank , HDFC Bank , Canara Bank) . In the same way to change/cancel the nomination you need to fill up Form no DA-2. Read about Corporate Fixed Deposits As per a famous case, A Bench of Justices Aftab Alam and R M Lodha in an order said that the money lying deposited in the account of the original depositor should be distributed among the claimants in accordance with the Succession Act of the respective community and the nominee cannot claim any absolute right over it.
Section 45ZA(2)(Banking Regulation Act) merely put the nominee in the shoes of the depositor after his death and clothes him with the exclusive right to receive the money lying in the account. 
It gives him all the rights of the depositors so far as the depositors's account is concerned. 
But it by no stretch of imagination make the nominee the owner of the money lying.

MAKE A WILL! 
DO YOUR NEXT KIN A HUGE FAVOUR !

MAKE SURE YOU UNDERSTAND THE IMPLICATIONS OF LAW

 परोपकाराय फलन्ति वृक्षा: परोपकाराय वहन्ति नद्यः।
 परोपकाराय दुहन्ति गावः परोपकाराय इदं शरीरम्।।
            
 
 
                                          ( hari krishnamurthy K. HARIHARAN)"
'' When people hurt you Over and Over think of them as Sand paper.
They Scratch & hurt you, but in the end you are polished and they are finished. ''
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