Wednesday, 21 December 2011

[] All about Chit Funds


All about Chit Funds

A Chit Fund (Chitty) is basically a contract between the foreman and the Subscribers.  As per the contract, each subscriber agrees to remit a fixed amount of money every month for a number of months.  Chit Fund is a unique scheme incorporating the aspects of a recurring deposit and  loan (cash advance)  In chit fund, the subscriber has an opportunity to bid and avail of cash in advance  which amounts to a certain percentage of the total denomination of the chitty (sala), whereas in recurring deposit the advance can be availed only on the paid up amount.  In case bidding is delayed due to draw of lots in the initial installments, one can resort to availing of chitty loan, which is a loan that "bridges" the gap between the need of the subscriber for money and the delay in the chitty getting prized.
Chit funds are the Indian equivalent of the Rotating Savings and Credit Associations (ROSCA) that are famous throughout the world. ROSCAs are a means to "save and borrow" simultaneously. It is considered one of the best instruments to cater to the needs of the poor. It enables poor people to convert their small savings into lump sums. The concept of chit funds originated more than 1000 years ago. Initially it was in the form of an informal association of traders and households within communities, wherein the members contributed some money in return for an accumulated sum at the end of the tenure. However, in recent times, there have been tremendous alterations in the constitution and functioning of Chit funds.
While in most places ROSCAs are user-owned and organized informally, in India, chit funds have been formally institutionalized as well. Legally recognized firms provide a variety of chit schemes. A Chit Fund can either be legally registered or unregistered. Registered Chit Funds, as the name suggests are being regulated under the various Chit Fund acts. While unregistered Chit Funds are unorganized and mostly run by the close friends, relatives or family members of the investor. Although it is very well known that unregistered Chit Fund industry is very popular in India, mainly in the rural and semi-urban area, where people have very little access to the banking services and where financial illiteracy is more.
The regulation of the Chit Fund industry was put in place by the Government of India to address the problem of misuse of informal Chit Funds by unscrupulous promoters and founders running away with the participant's funds, leaving the members with little recourse to retrieve their money back. Chit funds in India are governed by various state or central laws. Organized chit fund schemes are required to register with the Registrar or Firms, Societies and Chits. Various Chit Fund Acts governing the industry in India are as under:
  • Union Government – Chit Funds Act 1982 (Except the State of Jammu and Kashmir)
  • Kerala – Kerala Chitties Act 1975
  • Tamil Nadu – Tamil Nadu Chit Funds Act, 1961
  • Karnataka: The Chit Funds (Karnataka) Rules, 1983
  • Andhra Pradesh – The Andhra Pradesh Chit Funds Act, 1971
  • New Delhi- The Chit Funds Act,1982 and Delhi Chit Funds Rules, 2007
  • Maharashtra – Maharashtra Chit Fund Act 1975
  • Uttar Pradesh: Uttar Pradesh Chit Funds Act, 1975
  • Goa, Daman & Diu: The Goa, Daman and Diu Chit Funds Act, 1973
  • Pudducherry: The Pondicherry Chit Funds Act, 1966
Who Conducts a Chitty?
A Chitty is conducted by a person or an institution and this entity is called the foreman

How many tickets can be enrolled in each chitty?
The number of tickets enrolling in a chitty will be equal to the number of months for which the remittance
have to be made or the duration of chitty in months.

What is Chitty "Prize Money"?

The total of the periodic subscription, called the chitty amount, will be given out as "prize money" to the person who bids by allowing for the maximum reduction in the prize money.  The maximum reduction possible is 25% as per the prevailing Chitty Act and if there are more than one subscriber interested in bidding at 25% reduction, the numbers of the such bidders will be put to a draw.  Thus each subscriber gets an opportunity to receive the prize money once during the tenure of the chitty.  All the promoters have to contribute the periodic subscription till the end of the chitty.  The first installment is normally for the promoter, and that is his seed capital. From the second month onwards the total sum will be auctioned among the members. Those who are in urgent requirement of money take part in the auction. The person who is willing to accept the least amount is given preference.
Suppose Total number of members is one hundred and the monthly installment is Rs. 200.00, the total amount comes to Rs. 20,000.00. Member X bids for Rs. 19,800.00 B for 19,500 rupees and C for just Rs.19,000.00, the amount goes to C, but he will get only Rs. 19,000.00. The balance amount for Rs. 1,000.00, on which all members have equal right. That will be given as discount in the payment of next installment. In this example a member has to remit only Rs. 190.00 instead of on Rs. 200.00 as his third installment.  All members are benefited, the benefit of the member C, is that he gets the money in the next month itself. He can tide over the financial problem with ease. Other members get a credit of hundred rupees by remitting just ninety rupees.
Foreman's Commission

The foreman is entitled to a certain percentage of the chitty amount (not more than 5% of the chitty amount) as his commission from each member

What are the Securities Acceptable for Payment of Prize Money?

The types of security acceptable for chitty prize money payment, belong to various categories like personal sureties (of employees of Government, aided schools, public undertakings, banks etc.), financial documents (like fixed deposits with banks and reputed organizations, Deposit-in-Trust, LIC policies, bank guarantees, National Savings Certificates etc.), landed property or Gold ornaments etc.
Bidding Thump Rule: -

No:1  - As a borrower
Bid the chitty at the maximum rate, since cost of chitty is always much less than the borrowing cost.
 In case you want to take personal loan from the bank or financial institutions, you need to pay annual interest in the range of 15-20%.  But in case of chit funds the cost of money borrowed is much less than the bank loans and more over it is easy and convenient.
No.2  -As an Investor
 In the continuous bidding process, if the discount foregone/available on each month is less than or equal to the proportionate of the gross /maximum discount for the month, bid the ticket immediately and invest the proceeds in high interest paying deposits.
Tips :-

I. Per unit (in % terms) of discount foregone correspond to interest earned on the prize money should be arrived to maximize the return from chitty.

II. Discount forgone in auction should be suitably compensated with the interest/return earned by prize money receipt during the course of the chitty.

 See the following example

Ex :  Mr. X enrolled  for a chitty for a total value (sala) of Rs. 1,00,000.00 for period of 50 months and Rs. 2,000.00 pm as  installments. 
i) If the chitty is auctioned at the 14th month \ installment at a total discount of 10%. prize money payable is 1,00,000-10,000= Rs 90,000.00

ii) Interest accrued on price money deposit for the balance period of (50-14) = 36 months @ 9.5%.
Therefore total interest for Rs 90,000 @ 9.5%(compounded Annually) for 36 months is = Rs 28,164.00

Total prize money received Rs 90,000.00

Total receipt/ inflow from chitty = 28,164.00+ 90,000.00 = Rs 1,18,164.00

iii) If the total dividend earned is Rs 6,000 during the entire chitty period,
The net outflow of the chitty payment is Rs1,00,000 – 6,000 = Rs 94,000.
IV) Net Surplus in chitty Rs 1, 18,164.00 – 94,000 = Rs. 24,164.00

Note : above calculation is without considering the Forman's commission
A word of caution: Of late some crooked elements got involved in to this business and polluted it to the extreme. Some promoters disappeared with members' money, and in other cases some members disappeared after accepting the money.  You have to be very careful while selecting the chitty company. You can find chitty companies everywhere. When you deal with chitty companies, go for those companies promoted by reliable persons with sound track records.  Don't put your hard earned money based on some attractive TV advertisements of film stars or other celebrities offering valuable gifts like luxury cars, luxury villas or foreign trips etc. 
Best Regards
Prakash Nair

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[] 10 Women you should date


These entertaining girls still come in gorgeous packages and may even have the 3 B's plus all this.

1. The one of the guys girl.
This girl is always fun to date because she can hang with your boys. She makes them laugh, keeps up with the game and take the heat when quizzed about her favorite team. She also doesn't get squeamish around "guy talk" and gasp she will share a cheeseburger with you. Added bonus, she probably even owns her favorite teams jersey.

Fun & Info @
2. The loves sex even more than you do girl.
This girl loves everything about sex and isn't ashamed of it. She doesn't get headaches or use sex as a weapon! She does things you've only read about and they are usually her idea. She's not just a play thing though, this girl is not your booty call, she just enjoys sex after EVERY date.

3. The independent girl.
This girl makes her own money, pays her bills on time and has a healthy social life. She loves having you in her life, but she doesn't NEED you. She most likely enjoys the finer things in life, but that's because she works hard for it. She has no problem going "dutch" or even paying the whole bill from time to time. She may have a hard time letting love in, but its only because she knows what she wants!

Fun & Info @
4. The not jealous girl.
This girl understands that you have girls that are friends or that you like to have fun, because she does too. She isn't threatened by that hot girl you pretended not to check out and is not going to stalk you at the bar on a night out with the boys. This girl is secure and fun, and her self assurance keeps you interested.

5. The laid back girl.
This girl is down to do anything… Go to the movies, a museum, dancing or just stay home. She has a relaxed outlook on life and doesn't let the small things bother her. She's easy to be around because of her positive and casual demeanor.
Fun & Info @
6. The life of the party girl.
This girl can entertain a room full of friends or strangers without being embarrassing, overbearing or inappropriate. This girl knows how to engage in a great and captivating conversation with anyone, how to get Nana to do a shot of tequila or how to make a room roar with laughter. You can bring her anywhere and don't have to baby sit her all night. This is usually the same girl that your friends and family make sure is available before setting a date for an event.

7. The athletic girl.
This girl loves sports… Playing them, watching them. Talking about them. She's a good combination of a lot of the above mentioned kind of girls. She loves to workout and enjoys the simple things in life like a sunset volleyball game. Even if you aren't the most athletic guy, she likes to play with everybody and will teach you her favorite sport like surfing and is definitely a key player on her dodgeball team.

Fun & Info @
8. The artsy girl
She probably went to art or design school, maybe even fashion or interior design. Her apartment boast paintings she painted in her front yard. She dresses fun and has a funky music collection. The artsy girl most likely wants to be a professional artist, so let her paint for you or snap black and white photographs of you.

9. The always positive girl.

This girl can see a positive side in any situation. She has a great laugh that lights up a room and makes you want to be around her. She's a good person and make you feel like a better person when you're around her. This girl spreads smiles and you'll always find yourself smiling not only when you 're around her, but when you're thinking about her as well.

Fun & Info @

10. The spontaneous girl.
This girl is up for anything anytime. She's not a prissy girl who can't go anywhere without her hairdryer. She's fun and super cool to be around. You can call this girl and tell her to be ready in 30 minutes for a weekend road trip to San Francisco and she'll be ready in 15. She's incredibly free spirited and usually very sexual.

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Re: [] Mullaperiyar issue a political motive issue


Hi, Mr P S Rao,

Are u a Tamilian.  You are not.  You are either a Telungan or a Kannadiga.  Tell me in Tamil Nadu
which Politician is a Tamilian.  R. Naicker was a Kannadiga.  Karunanidhi is Telugu.  M  R Radha
was Telugu.  MGR Malayali.  Ms J Jayaram is Kannadiga. Rajini not Rajani is again Kannadiga.
What about Vaiko the Trouble Maker Par Excellence.  He is also not a Tamilian.  What has Vaiko
done to this day except whip up Tamil passions whether it is Sri Lanka Tamils , the Tamils 
in Jail for killing of PM Rajiv Gandhi or MP Dam..  What are  V Gopalachami's achievements.  He is in and out
of all Parties.  I am asking this so called champion of Tamils mr Gopalachami why is he fighting
for Tamils of Sri Lanka.  They have gone on their own  and settled down in Lanka and therefore,
as its Citizens they should obey the laws of their chosen Country.  Assume tomorrow a group of
Sinhalese come to T.Nadu and settle down in a Dist. and later on this population swells and they
want to carve out a State/Nation of their own out of this place, will Vaiko and Company allow it.
No.  So why fight for Tamils there.  Similarly why he and Nedumaran want to shield the killers
Murugan, Perarivalan and Santan.  They should face death penalty.  In fact, I am surprised how
Nalini's sentence was commuted to Life imprisonment.  She should also be hanged for such a heinous
crime.  Mr Rao we are all Indians and the bifurcation of States on the basis of basha has given rise
to all this.  The US has 50 States.  Do they have such problems.  No.  Why.  Because they think
in terms of their Country,America.  But we think of caste,creed,community,religion etc.  Do you
know the Keralities are also Tamilians once upon  a time as per history and after settling down there
have become Keralites. Similarly with Andhraites and Karanataks were Tamils till such time
they got their own States Andhra and Karnataka.  Not satisfied with their demand for a separate
State on the basis of basha Telugu, now they want another state in the name of same basha Telengana
Mr Potti Sriramulu who gave up his life must be turning in his grave for sure.  I am ashamed to call Chandra Babu
Yeddy, Jays, Karunas our Leaders. Gopalachami is not even a Leader according to me.
MP Dam problem should be sorted out between TN and Kerala thru dialogue and the Centre
should not be blamed as both States are not willing to listen to the Centre's counsels.

m: Sudarsan Kumar (EU3) <>
Sent: Tuesday, December 20, 2011 10:20 AM
Subject: RE: [] Mullaperiyar issue a political motive issue

Dear Mr. Rao,
Can you tell us why people are agitating against Kudamkulam Project in TN……??????????????????????
Is it not a national property? Even clarifications came from eminent scientists like most reverent APJ Abdul Kalam, why still protest is going on….?
Are you ready to make an agreement like MP Dam treaty in favor of Kerala to take water from a river flowing in the jurisdiction of TN….?
Do you believe that all the TN political party leaders are preaching truth only and the TN Govt is not playing political drama in this issue..?
Can you show any single incident that any Tamilian residing in Kerala was threatened on the basis of this issue in Kerala..?
Why you people are not learning Hindi in schools in your state as our national language…?
Why no national political parties are getting strength over Dravidian parties and power in your state..?
Why you people fought with Karnataka for Kaveri water for decades… and how it was resolved…?
Do you believe that the MP Dam will stay healthy for the entire period of the rest of treaty ie. 883 years
Do you believe that the agreements made before 116 years was a genuine one….?
Is yes, can you make another one like this in anywhere in the world..?
Do you know it was signed by the blood of the Travancore Maharaja and was made on the gun point by the British.
Do you still believe that the British were loving India and were patriotic rulers…? If so, we have nothing else to say but you have to quit India.
Who gave this authority to mankind for make such idiotic agreement for 1000s of years since human being has a limited life span on the earth.
Can you make another Dam in your state of anywhere else with the same technology and resources used by your Almighty God Benny Cook for MP Dam? He also given the dam a life of 50 years only.
Still you are threatening by saying that  "You every Malayali be a nationalist and not a selfish. Because Malayalis are settled more in tamilnadu & other states than the tamilians settled in Kerala. Keep this in mind and behave generously. Politicians may come today and go out tomorrow. But you common people has to amintain good relationship with your neighbour and neighbouring states. Don't be crazy & selfish like your politicians"
Do you still believe that you are said the above generously..? Then we suspect your generosity!!!!!
From: [] On Behalf Of prakash surya rao
Sent: Sunday, December 18, 2011 10:58 AM
To: Keralites
Subject: Re: [] Mullaperiyar issue a political motive issue
I am very sorry to note the short mentality of this man. The entire nation so far thought Kerala politicians alone are short mentality. But from the view of this writer it is clearly known that every one in Kerala are brain washed and are short mental. Don't you have belief in the words of renowned technicians & scientists. Are your politicians built MP dam? At that time the bloddy selfish policians are not even born. It was Mr. Benny Cook, an English Engineer, who built with hard effort, [even the then british government didn't help him] with his own money, for the benefit of entire people [of the present disputed area by your bloody politicians].You the Malayalies are educated but really & practically selfish & short mentalist. Did your Government respect the Supreme Court verdict given in 2006?

You every Malayali be a nationalist and not a selfish. Because Malayalis are settled more in tamilnadu & other states than the tamilians settled in Kerala. Keep this in mind and behave generously. Politicians may come today and go out tomorrow. But you common people has to amintain good relationship with your neighbour and neighbouring states. Don't be crazy & selfish like your politicians
From: dilip pishsrikovil <>
Sent: Sun, 18 Dec 2011 07:02:50
To: "" <>
Subject: Re: [] Mullaperiyar issue a political motive issue
Dear Mr. Born to win,
Please realize the truth of a large group of people 'born to die' in the water flow. Do you know that the distance between MP dam and Idukki dam are much developed with a population of about 70 to 80,000? Are you blind to see how death follows them fromday to dusk, with about 50 % of them tamils? Do you agree that if theypeople who die are equal Tamils andequal malayalisthe problem is solved?? Is it your look out? Brother, life is just life.. weather it is tamil or keralites...
We are not talkingabout the leakage water (as our foolish AGreported in HC) We are talking about the dam burst during an earth quake... Can you Mr Born to win assure that an earth quake will not happen for another 100 years???
Don,t try to fool yourself with irrelevant statestics... Do you know why TN people are against koodamkulam Nuclear plant? In the event of an earth quake, it may cause havoc... Ha Ha.. TN people are worried about a brand new N. plant, but want keralites to believe that a 120 years old Dam will be safe on a massive earth quake!!! 'Yaarukkukaathu kuthringee??'
Tamil leaders are fooling their own people by not telling who will give them the vital life giving water once the dam is no more..I forsee attacks on keralites for not convincing 'AMMA and 'VAIKOL' about these facts in the right manner, once the dam breaks...
Born to win, I have nothing against you, atleast you ace there for discussions on the matter.. Hope there are more who are there with an open mind about this issue...
Best regards,
From: John Thomas <>
To: "" <>
Sent: Saturday, 17 December 2011 5:34 PM
Subject: Re: [] Mullaperiyar issue a political motive issue

Dear Mr.,
As long as you are at the other side of the dam, you can talk scientific fundas like Einstein or Newton. But people who live just below the dam and on the shores of river Periyar cannot talk such things at the moment. In 1979 itself this fear of dam break started, but by god's grace we are still alive here. But it is not a good idea to test how long the almighty may help us.
Your agriculture land turns to be barren is nothing in comparison with horrible death of people and geographical changes that follows the deaths. Whether it is 3.5 million or 3.5 lakh or 3.5 thousand, no government can let its people to die in vain.
Tamil Nadu's single problem is that they fear a new contract on new dam, because no sane person can engage in a contract for 999 years (1 year less than a millennium) without any revision of its clauses to accommodate changes of the ages. Keralam is ready to give the same amount water to Tamils. Then what possible problem could there be for Tamils to disagree with the idea of constructing a new dam? After all, even if there is no threat, it is a good idea to have a new dam to decommission a 116 years old dam which will ensure the continuity of getting water from the same for another 100 or 200 years to come. But after a disaster, do you think you will be allowed to construct a new dam at the same site?
From: Born to win <>
Sent: Friday, December 16, 2011 6:39 AM
Subject: Re: [] Mullaperiyar issue a political motive issue

Friends few more points Regarding Mullaperiyar issue
One of the dams is allowed on the water leak, which greatly helps to reduce pressure on the dam. Maximum permitted leakage of water in dams, 250 liters per minute. General periyaru dam, 45 liters of water per minute leakage occur. This is an area one-fifth of the permissible amount of water leakage.152 feet of water in the dam capacity tekkin General periyaru 10.5 tmc, 155 feet of water tekkalam drawing. Government of Kerala, like me, General periyaru if the dam breaks, the water along the dam fell into a deep valley, 58 km, and the Government of Kerala, Idukki dam built in the fall.Capacity of 70 tmc of Idukki dam, seven times bigger than Mullai periyaru dam. If the water exiting the dam collapse disaster in the districts of Kerala is the imagination. Tamilakattukke impact ...From 152 feet to 136 feet of the dam nirmattattai General periyaru reduced, since the year 1979, the losses suffered by City:1. 38 thousand acres of land became barren.2. Crop cultivation and became a go go two 26 thousand acres of land.3. Lack of water flow from river water by harvesting, farming became alkulay 53 thousand acres of land.4. Agricultural production loss of 500 billion rupees a year.5. Fifteen year 3, 531 crore loss in power.However, public sector, retired Chief Engineer of Tamil Nadu, Veerappan said:"The full capacity is 10.5 tmc General periyaru Dam, when water, if fragile state, across the water, along the dam is the most profound fall in the ditch. Plain that there is not any.Residential areas above the dam is periyaru General of Kerala. Actually, the height of the dam 2.864 feet above sea level. Kumuli of Kerala (3,100), car periyaru (2,743), pampanar (4,402), elapparai (3,648), vallaram kunnu (3,422), pulmetu (3,583), etc. in the area are taller than General periyaru dam. Therefore, the General periyaru water of the dam, these entangle invalid.The effluent water from a broken dam, 50 km, distance, Idukki dam in Kerala will go up. This is 7 times higher than General periyaru dam.Actually, 70.5 tmc, the water capacitor is placed. Therefore, Government of Kerala, like me, General periyaru by breaking the dam will not affect any part of Kerala, "he said..
2011/12/15 nasser abdulla <" >>

Dear Friends
I think it is time Tamil Nadu govmt stoped cheating their own people by telling them the truth about consequences theif the dam is deatroyed. kerala and tamil Nadu has a long root of friend ship and this should not be spoiled by their politricks. Kerala govmt has to look after the safety of their people and at the same time ,keep the harmony and friend ship between the two states.
Both states has to sit together and decide the feature of the People and their needs, water for the tamil nadu and saftey for the keralites
At the same time both keralaand Tamilpublic shoul keep in mind, not to fall for the tricks played by some of the politicians and the enemy of the two states.
Hope for the better and safty of the people.
Nasser Kodungallur
2011/12/10 dilip pishsrikovil <" >>
Hi Friends, Listen.. We have an expert in dam safety here... who says the 116 years old dam is safe.. then why the experts from IIT Roorki is coming here to check the effects of earth quake on the dam? why the Dam safey authority is advised to provide a report on the condition of dam by supreme court? Why similar dams of less age are being decommissioned?
Sushama Roy seems to be one not living in Kerala, and also not in TN, whereevery body know clearly that nobody is against people coming to sabarimala. The issue of MP dam is there for a long time so it is not al election issue, also it is supported by all beyond political boundries...
Sushama Roy seems to be one who has no knowledge of the back ground of the issue,just one trying to act smart..
Let us forgive her ignorance...
From: Sushma Roy <" >>To: Keralites <" >>
Sent: Friday, 9 December 2011 8:34 AM
Subject: [] Mullaperiyar issue a political motive issue
We would like to bring this issue to the notice of all citizen of India that
There is nothing to worry about thesafetyof this 116years old dam.

One section of drunkards in the local politicians decided to teach a lesson of people arriving from TAMILNADU, and ANDRAPRADESH to SABRIMALA, a shrine which is getting the more revenue collection than any other temple in India-started the issue ofsafety of DAM AND ALL POLITICAL PARTIES who iseyeingfor Piravom assemble by election made it a big issue.

As far as MULLAPERIYAR DAM is concerned there is no danger in saftey aspects but only a political gimmicks.The advocate general of Keral high court also has brought this issue to the notice of the C M Ommen chandy, (the palmolin importspecialist)
But since there is no other issue to shine for Piravom by election, they are trying to shine with this issue.
The drunkards who decided to teach a lesson to Ayyappa devottees are still enjoying as it is great success to their idea to spoil the Sabarimala pilgrimage.

So the main intention behind this mullaperiyar dam issue is to spoil the SABARIMALA pilgrimage and second is the PIRAVOM by election nothing else.
From: abhi mathew <" >>
To: Keralites <>
Sent: Wednesday, 23 November 2011 1:48 AM
Subject: Re: []
മുല്ലപ്പെരിയാര്ഏകതാ പദയാത്ര
മുല്ലപ്പെരിയാര്വിഷയം ചൂടുപിടിക്കുമ്പോള്രാഷ്്ട്രീയം മറന്ന് തമിഴന്ഒറ്റക്കെട്ടാണ്. പക്ഷെ പ്രബുദ്ധരെന്ന് നടിക്കുന്ന നാം മലയാളികള്പക്ഷെ ഒറ്റ കെട്ടാവുന്നില്ല. അഞ്ച് ജില്ലകളിലെ ജനങ്ങളുടെ പ്രശ്നമായി മാത്രം മുല്ലപ്പെരിയാര്ഒതുങ്ങി പോവുന്നു. ജില്ലകളിലെ തന്നെ എത്ര പേര്ക്കറിയാം മുല്ലപ്പെരിയാര്ഉയര്ത്തുന്ന ഭീകര ഭീഷണി സംബന്ധിച്ച്. ഇന്ന് ഭൂരിപക്ഷവും മുല്ലപ്പെരിയാറിന്റെ ഭീഷണിയെ കുറിച്ച് ബോധവാന്മാരല്ല. എന്തിന് കേരളം ഭരിക്കുന്നവരും ഭരിച്ചിറങ്ങി പോയവരും തന്നെ മുല്ലപ്പെരിയാര്അണക്കെട്ടിന്റെ സ്ഥിതിയെ കുറിച്ച് കാര്യമായ ബോധമുള്ളവരല്ല.

പ്രബുദ്ധ കേരളത്തിലെ ഭരണ പ്രതിപക്ഷ കക്ഷികളെ നിസാര പ്രശ്നങ്ങള് കൊണ്ട് സഭയില് ബഹളം ഉണ്ടാക്കാദെ നിര്ത്തി വെച്ച് വീട്ടില് പോകാന് ധ്രിതി കുട്ടാദെ ദയവായി ഒരുനിമിഷം കേരളത്തിന് വേണ്ടി നിങ്ങളെ താങ്ങി നിര്ത്തുന്ന ജനങ്ങള്ക്ക് വേണ്ടി ആത്മാര്തമായി ചിന്തിക്കൂ........ വര്ഷങ്ങളായി മാറിവരുന്ന സര്ക്കാരുകള് ആണോ ഇതിനു തടസ്സം ? അതോ കൂട്ടായി വോട്ടു ചെയ്ത് നിങ്ങളെ അതികാരമേല്പ്പിക്കുന്ന ജനങ്ങളോ ? എനിയെങ്ങിലും നിലവിലുള്ള സര്ക്കാരെങ്കിലും ഈവിഷയത്തിനു പരിഹാരം കണ്ടെത്തും എന്ന് പ്രതീക്ഷിക്കുന്നു
From: JACOB GEORGE <" >>
To: "" >" <" >>
Sent: Tuesday, 22 November 2011 8:01 PM
Subject: Re: []
മുല്ലപ്പെരിയാര്ഏകതാ പദയാത്ര
മലയാള രാജ്യം കണ്ട ഏറ്റവും വലിയ ദുരന്തങ്ങള്വിതച്ച വെള്ളപ്പോക്കമായിരുന്നു
മലയാള വര്ഷം തൊണ്ണൂറ്റി ഒന്പതിലെ വെള്ളപ്പൊക്കം.
നീല ഗിരി യുടെ ഉയരങ്ങളില്നിന്നും ഒഴുകിയെത്തുന്ന കണക്കില്ലാത്ത ജലം കോട്ടയം കൊച്ചി പ്രാന്ത പ്രദേശങ്ങളില്കൂടി ഒഴുകി കൊച്ചിയെ മുക്കി അറബിക്കടലില്ചെന്ന് പതിക്കണം. അന്ന് ജനങ്ങള്ചിന്നി ചിതറി പോയി .. ചിലര്കാക്കനാട് പോലുള്ള ഉയരമുള്ള സ്ഥലങ്ങളില്പോയി താമസിച്ചു
കാലഘട്ടത്തില്ആണ് മുല്ലപെരിയാര്ഡാം പണിയുന്നത്
വേമ്പനാട്ടു കായലിലൂടെ.....
കോട്ടയം പ്രവിശ്യകളെയും കൊച്ചിയെയും വെള്ളത്തില്മുക്കി പാഞ്ഞു ഒഴുകുന്ന ജലത്തെ പിടിച്ചു കെട്ടിയിട്ടത് മുല്ലപെരിയാര്ഡാമിലാണ്.... പിന്നീട് വെള്ളപ്പൊക്കം എന്താണെന്ന് ജനം അറിഞ്ഞിട്ടില്ല.
കണ്ട വെള്ളമൊക്കെ ഒരുമിച്ചു പാഞ്ഞു വന്നാല്ഏറ്റവും വലിയ സുനാമിയായിരിക്കും അത്.
മുല്ലപ്പെരിയാര്ഡാം പൊട്ടിയാല്അത് തന്നെ സംഭവിക്കും
അത് തടയേണ്ടത് അനിവാര്യമാണ്
സംഘടിക്കുക ഒരുമിച്ചു പ്രവര്ത്തിക്കുക
നമുക്ക് ജീവിക്കുവാനുള്ള ഭൂമി വെള്ളത്തിനടിയില്ആവാതിരിക്കുവനായ്...
നമുക്ക് ജീവിക്കുവാനായി അണിചേരുക
From: shobha Naire <" >>
To: "" >" <" >>
Sent: Tuesday, 22 November 2011 1:42 PM
Subject: Re: []
മുല്ലപ്പെരിയാര്ഏകതാ പദയാത്ര
നമ്മളില്ഒരാള്വിജാരിച്ചാല്ഒരു പക്ഷെ ഒന്നും നടക്കില്ലായിരിക്കാം.പക്ഷെ, " നമ്മള്‍ " ഒരുപോലെ വിജാരിച്ചാല്ജനിച്ചു വളര്ന്ന കേരളത്തിന്വേണ്ടി പലതും ചെയ്യാനാവും..

ഉരുകിയുതിരുന്ന മുല്ലപെരിയാര്ഡാം അധികാരികളുടെ കണ്ണില്പെടുത്തിയില്ലെങ്കില്‍,
നെടുമ്പാശ്ശേരി വിമാനത്താവളം, റെയില്വെ , സ്കൂളുകള്ഇതൊക്കെ ഓര്മകളില്മാത്രമാകും.
പിന്നെ ലുലു മാള്‍ , ഒബ്രോണ്മാള്‍, ഇന്ഫോ പാര്ക്ക് തുടങ്ങിയ കോടികളുടെ സ്ഥാപനങ്ങള്നാശോന്മുഘമാകും.
എല്ലാത്തിലും പുറമേ, ഏകദേശം 30 ലക്ഷത്തിലധികം ആള്ക്കാര്കൊല്ലപ്പെടും.
ഏകദേശം 42 ഓളം അടി ഉയരത്തില്വരെ ആയിരിക്കും വെള്ളത്തിന്റെ മരണപ്പാച്ചില്‍....;
വെള്ളം മുഴുവന്ഒഴുകി തീര്ന്നാല്‍, 20 ഓളം അടി ഉയരത്തില്ചെളി ആയിരിക്കും പ്രദേശം മുഴുവന്‍........

ഇടുക്കി മുതല്അറബിക്കടല്വരെ സംഹാരതാണ്ടവം ആടി വെള്ളത്തിന്എത്തിച്ചേരാന്വെറും 4.30 മുതല്‍ 5.30 വരെ മണിക്കൂറുകള്മതി.
അതിനുള്ളില്ലോകം തന്നെ കണ്ടത്തില്വച്ച് ഏറ്റവും വലിയ ദുരന്തം സംഭവിക്കൂക
From: Jinto P Cherian <" >>
To: "" >" <" >>
Sent: Monday, 21 November 2011, 23:14:04
Subject: Re: []
മുല്ലപ്പെരിയാര്ഏകതാ പദയാത്ര
ഞാന്ഗൂഗിള്എര്ത്ത് വഴി ഒരു ചെറിയ സര്വേ നടത്തി... മുല്ലപ്പെരിയാര്പൊട്ടിയാല് വെള്ളം വന്നു ചേരുന്നത് ഇടുക്കി റിസരവോയരിലാണ്.. സംബരണിയുടെ രണ്ടു മുഗങ്ങളായ.. ഇടുക്കി ഡാമും ചെറുതോണി ഡാമും പൊട്ടിയാല്വെള്ളം വരുന്നത് ഒരേ വഴിക്കാണ്.. ചെറുതോണി പൊട്ടിയാലും ഇടുക്കി പൊട്ടിയാലും ഒരേ വെള്ള മാണ് വരുക... മുല്ലപ്പെരിയാര്പൊട്ടിയാല്ഇതില്ഏതെങ്കിലും പൊട്ടും എന്നത് നിശ്ചയമാണ്...ഡാം പൊട്ടിയാല്‍... നേര്യമംഗലം വരെ പുഴയിലൂടോലിച്ചു തന്നെ വരും വെള്ളം ഇരു വശങ്ങളിലും മലകളാണ്.. ഇടുക്കി മുതല്നേര്യമംഗലം വരെ പുഴക്കരയിലുള്ള ജനങ്ങള്തന്നെ വലിയൊരു സന്ഗ്യയുണ്ട്‌.. അവര്പൂര് മായും നാമാവശേഷമാകും .. ഇടുക്കിയില്നിന്നും ആരംബിക്കുന്നപുഴ നേരായ നീരൊഴുക്ക് കടലില്ചേരുന്നത് കൊടുങ്ങല്ലൂര്അടുത്ത് അഴീക്കോടും പിന്നെ മറ്റൊന്ന് വരാപ്പുഴ വഴി ഒഴുകി കൊച്ചി കായലിലും ആണ്... ഇതിനാല്‍... കൊടുങ്ങല്ലൂര്ഉള്പ്പെടുന്ന പ്രദേശം മുതല്എറണാകുളം ജില്ലയുടെ നിരവതി ഭാഗങ്ങള്ഉള്പ്പെടെ ചെങ്ങാലൂര്‍, കാലടി , നെടുമ്പാശേരി, ചെങ്ങമനാട്, ആലുവ , പറവൂര്‍, ചെന്നമംഗലം, മൂത്തകുന്നം , കോട്ടപ്പുറം, എടവനക്കാട് , വൈപ്പിന്‍, മാംബ്ര, മാന്നാനം, വെങ്ങോല , കാക്കനാട് , കളമശേരി, ............... ലിസ്റ്റ് പൂര്ണമല്ലാ... നിരവതി പ്രദേശങ്ങളില്മുഴുവനാളുകളും വെള്ളത്തി നടിയിലാകും... ഇതെല്ലാം പ്രതേശങ്ങള്പോകും എന്നതില്മേല്പ്പറഞ്ഞ സ്ഥലങ്ങള്പൂര്ണമായും ഇരയാകും... ഇരുപതു ലക്ഷം എന്നതില്കുറയാത്ത ആള്നാശമുണ്ടാകും... ഇക്കാര്യത്തില്അടിയന്തിര മായി പുതിയ ഡാം നിര്മിക്കണം.. മണ്ണും സുര്ക്കിയും ചുണ്ണാമ്പും ഉപയോഗിച്ചാണ് മുല്ലപ്പെരിയാരുണ്ടാക്കിയിട്ടുള്ളത് ശാസ്ത്രീയ പഠനത്തില്അമ്പതു വര്ഷമാണ്ഇതിന്ടെ ഉറപ്പു ഇപ്പോള്നൂറ്റി പതിനഞ്ചു വര്ഷം തികഞ്ഞിരിക്കുന്നു... വളരെ ചെറിയ ഒരു ഭൂചലനമോ . ഒരു പക്ഷെ അങ്ങിനെ അല്ലാതെ തന്നെ വളരെ അടുത്ത സമയം ഡാം തകരാന്ഇടയുണ്ട്... ഉടനെ മറ്റൊരു ഡാം പണി യെണ്ടാതാണ്... ഇക്കാര്യത്തില്ഇനിയൊന്നുകൂടി ചിന്തിക്കാന്ഇനി നമുക്ക് സമയം ലഭിക്കില്ലാ.. അല്ലെങ്ങില്വളരെ നിയന്ത്രണത്തോടെ ഡാമിലെ വെള്ളം ഒഴുക്കികലയെണ്ടാതാണ്... അല്ലെങ്ങില്‍..... ഹവ് നോ വേര്ഡ്സ്!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
From: Prasoon K.P <" >>
To: Keralites <" >>
Sent: Monday, 21 November 2011 9:02 AM
Subject: []
മുല്ലപ്പെരിയാര്ഏകതാ പദയാത്ര
മുല്ലപ്പെരിയാര്ഏകതാ പദയാത്ര
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മുല്ലപ്പെരിയാര്ഏകതാ പദയാത്ര - മേധാ പട്കര്ഉദ്ഘാടനം ചെയ്യും - വിളംബര ജാഥ നടത്തി.

അഞ്ചു ജില്ലകളിലായി തൊണ്ണൂറു ലക്ഷം ജനങ്ങള്ക്ക്നേരെ പതിയിരിക്കുന്ന വിപത്തായ മുല്ലപ്പെരിയാര്അണക്കെട്ടിന്റെ
ഭീഷണിയില്നിന്ന് കേരള തമിഴ് ജനതയെ സംരക്ഷിക്കുന്നതിനു കേരള - തമിഴ്നാട്സര്ക്കാരുകള്അടിയന്തിര നടപടികള്
സ്വീകരിക്കണമെന്ന് ആവശ്യപ്പെട്ടു മലയാളികളും തമിഴ് സഹോദരങ്ങളും ചേര്ന്ന് നടത്തുന്ന മുല്ലപ്പെരിയാര്ഏകതാ പദയാത്രയ്ക്ക്
മുന്നോടിയായുള്ള വിളംബര ജാഥ വിവിധ സന്നദ്ധ സാമൂഹിക പ്രവര്ത്തകരും സാംസ്കാരിക പ്രമുഖരും ചേര്ന്ന് നടത്തി. രാവിലെ എട്ടു മണിക്ക്
കോട്ടയം നഗരസഭ ചെയര്മാന്സണ്ണി കല്ലൂരും മുന്എം എല് വി എന്വാസവനും മറ്റു പൌരപ്രമുഖരും ചേര്ന്ന് ഫ്ല്ഗ് ഓഫ് ചെയ്ത വിളംബര യാത്ര വൈകിട്ട് ഏഴുമണിയോടെ വിവിധ കേന്ദ്രങ്ങളിലെ സ്വീകരണങ്ങള്ഏറ്റു വാങ്ങിക്കൊണ്ടു
മുല്ലപ്പെരിയാര്സമര പന്തലില്എത്തി. സമര സേനാനികള്ജാഥയെ സ്വീകരിച്ചു.

മുല്ലപ്പെരിയാര്ഏകതാ പദയാത്ര ഡിസംബര്‍ 19 നു വൈകിട്ട് കോട്ടയത്ത് വച്ചു പ്രശസ്ത പരിസ്ഥിതി പ്രവര്ത്തകയായ മേധാ പട്കര്
ഉദ്ഘാടനം ചെയ്യും. ഡിസംബര്‍ 24 നു മുല്ലപ്പെരിയാറില്എത്തുന്ന വിധത്തില്ആണ് കാല്നടയായി 'ഏകതാ പദയാത്ര'
ക്രമീകരിച്ചിട്ടുള്ളത്. യാത്രയില്പങ്കെടുക്കുവാന്എല്ലാ തമിഴ് മലയാളി സഹോദരങ്ങളെയും വിവിധ സാംസ്കാരിക പ്രവര്ത്തകര്ആഹ്വാനം ചെയ്തു. ഇരു സംസ്ഥാനങ്ങളിലും ജനങ്ങള്ആണ് സഹിക്കേണ്ടത്
എന്നതിനാല്പ്രശ്നത്തിനു അടിയന്തിര പരിഹാരം കാണേണ്ടത് കേരള തമിഴ് നാട് സര്ക്കാരുകളുടെ കടമയാണ് എന്ന് പൊതു പ്രവര്ത്തകര്ആവര്ത്തിച്ചു ഓര്മിപ്പിച്ചു.
Prasoon K . Pgmail™♥
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