Wednesday 7 November 2012

Re: [www.keralites.net] A humble request

 

Dear Friends,
 
As per me this is a 'FRAUD'.
 
A person worked for 24 years in Delhi, he will get help from that place itself.  Who will prove this is a genuine case, as the proving agencies are also 'fraud' now a days.
 
Regds
Ravindran

--- On Tue, 6/11/12, JOSE A A <jose101052@yahoo.co.in> wrote:

From: JOSE A A <jose101052@yahoo.co.in>
Subject: Re: [www.keralites.net] A humble request
To: "Keralites" <Keralites@YahooGroups.com>
Date: Tuesday, 6 November, 2012, 12:46 PM

 
If the contents of the mail are indeed true, I too feel sorry to learn about the plight of Mr.Gopinathan. However, in this era of scams and falsities of various types and modus operanda often reported, probably it would not be safe to give much credence to this kind of stories unless it is factually verified and confirmed by any local source from Delhi. When Mr.Gopinathan spent over 24 years of his life at Delhi, one wonders as to why he is unable to seek such help from either the Kerala/Malayalee Samajam there or any Malayalee friends there rather than circulating the message in this Forum ?

This itself shows that there is something more than what have been narrated by Mr.Gopinathan and as such his messages need to be further verified please. If his case is genuine, let him atleast come out with his clear identity with his residential address at Delhi as well as at Kerala .
Augustine Jose
From: krishnan iyer <krish4949@yahoo.co.in>
To: Keralites <Keralites@yahoogroups.com>
Sent: Monday, 5 November 2012 1:17 PM
Subject: Re: [www.keralites.net] A humble request
One is indeed sorry to hear the plight of people like Mr.Gopinathan.

Both sons and daughters are equally responsible to take care of their parents who are in desperate straits. I am not very sure how total strangers would help Gopinath when his own daughters wring their hands in helplessness.

If someone else does extend monetary help to the gentleman to reach Kerala safely, how is he going to manage things practically in an alien place - a place he had left decades ago?

As in western countries, our central and state governments should bring in suitable legislation to provide succour to destitute men and women in their sunset years.

crisiyer

From: Gopinathan Kr <gopinathan_1501@yahoo.in>
To: Keralites <Keralites@yahoogroups.com>
Sent: Sunday, 4 November 2012 4:37 PM
Subject: [www.keralites.net] A humble request
Dear Friends,
I do not know whether this platform is the right place to say something about me. I am Gopinathan hailing from Anikad panchayat of Pathanamthitta Distt. I am 58 years and in Delhi since 1976. I have been with various companies working as secretary to CEOs. I am married and have two daughters. Presently I am a heart patien for the past five years. My wife got left side paralysed for 13 months and left for her heavenly abode in April 2011.
My two daughters got married as their own choice one with a Christian and the other with a Muslim.Presently I am living with my elder daughter in Delhi. Now coming to the point, as my wife was paralyed and I had to take long leave from the company where I was woking and the result was that I was thrown out from the company as they could not afford me as I was taking long leave.
During my wife's ill health and treatment in private hospital I had to shell out all my earnings including gold ornaments and I am living with my elder daughter without an income. As you friends know it is very difficult to adjust with a son-in-law of other religion. During 2-3 occasions I have been asked to leave the place and take shelter somewhere. Friends youmay advise me to file complaint against them but I do not want to hurt them in any way. I thought of giiving news in local malayalm newspapers but my inner mind advised me that that will affect my daughters future life. Accordinly, I decided to leave for my native place but unable to do so because of shortage of funds.
If any of the friends like to help me financiallyat this juncutre so that I can reach Kerala safely, please send me an e-mail so that I can provide you the details you want. It is once more requested that I do not want to hurt my dauthers or relatives or move legally.
If I am wrong in giving this information to Keralites, please excuse me and leave it unnoticed.

www.keralites.net

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[www.keralites.net] HARMONY IN RELATIONSHIPS

 

HARMONY IN RELATIONSHIPS


Fun & Info @ Keralites.net

Speak always with a conscious control and only what is necessary and helpful.
 

 
Always Look On The Bright Side
A pessimist sees the difficulty in every opportunity;
an optimist sees opportunity in every difficulty.
 

 
Serenity
The real sign of serenity is not seen so much in the face,
as found in the depth and stillness of the eyes.
 

 
Notice the Difference
Replace the words "I have to" with "I choose to"
and notice the difference in how you feel.

Fun & Info @ Keralites.net
 

 
Courage
Courage is taking a step forward into an area of difficulty without a solution in mind, trusting that whatever help you need will become available.
 

 
Self-Respect
Experience the bliss of Self-Respect and give respect
to others at all times. When I am prejudiced against another, my narrow vision and small heart lower my self-dignity and self-worth.
 

 
Best Kind of Friend
The best kind of friend is the kind, you can sit on a porch and swing with, never say a word, and then walk away, feeling like it was the best conversation you've ever had.

Fun & Info @ Keralites.net
 

 
Balance
Maintain the balance of responding to situations with a
cool head and to people with a warm heart.
 

 
An Ancient Peace
There is a silence into which the world cannot intrude.
There is an ancient peace you carry in your heart and have not lost.
There is a love you have missed for so long and will always come back to.
 

 
Pure and Gentle
Success is merged in every step of those who have
a pure and gentle nature.

Fun & Info @ Keralites.net
 

 
The Happiness You Give
The happiness you give makes you more happy than the happiness you receive.
 

 
Lotus Life
The lotus is a symbol of purity.
Its roots are in the mud, but the flower remains above dirty water.
Live a lotus life. Be in the world, but unaffected by impurities.
 

 
Determination
Determination brings the strength to continue, the steadiness to succeed,
and the wisdom to slip past difficulties undisturbed.

Fun & Info @ Keralites.net
 

 
Vibrations
With your own vibrations of peace and happiness,
give everyone else the experience of happiness and comfort.
 

 
Power of Silence
In order to remain constantly happy transform bad things
into something good with the power of silence.
 

 
Learn To Create Love
If I limit the love I give to just one or two, it will eventually go stale.
If I learn to create love inside my heart and silently give it to everyone I meet, love will grace every corner of my life.

--
Aano bhadra krtavo yantu vishwatah.(- RIG VEDA)
"Let noble thoughts come to me from all directions"

REGARDS
Miss.Shaija Vallikatri Bhaskaran

www.keralites.net

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[www.keralites.net] Medical: Advantages of blood donation

 

As per below artile blood donation improves your cholestrol level, blood pressure level, get rid of excess iron, saves someones life, reduce chances of suger, liver problems etc... so please donate blood every 3 months approximately.


Blood donation, the voluntary act of allowing one's blood to be drawn out of body has many advantages besides giving that wonderful feeling of saving someone's life. Most of the time it is an act of charity, though sometimes many people donate blood for money and other incentives. The blood donated is stored in blood banks, to be subsequently used for transfusion.

No doubt the first and foremost advantage of donating blood is the exalted feeling of saving someone's life. If we donate the little excess blood in our body, it could save someone's life without creating any problem for us. Instead it would help to alleviate some major health problems likeheart diseases. Blood donation is an excellent way to get rid of excess iron accumulated in our body due to its overconsumption. Excess iron in the body can stimulate the formation of free radicals, which are responsible for causing damage to body cells and tissues. Free radicals are also associated with many diseases like heart diseases and cancer.

Iron overloading is also thought to increase the risk of heart diseases. Besides, iron oxidizes cholesterol, which is harmful for the arteries. Hemochromatosis is a genetic disease characterized by excess accumulation of iron in the tissues due to improper metabolism. The disease can cause damage to many organs like pancreas, adrenal glands, etc. It may also cause diabetes, liver diseases and heart diseases. So, donating blood on a regular basis would help you to regulate the level of iron in your body. Studies have shown that donating blood regularly can be beneficial for the heart and circulatory system and can reduce the risk of heart diseases, especially among young people.

Besides, blood donation also burns the extra calories and reduces your cholesterol level. After donating blood, the count of blood cells decreases in our body, which stimulates the bone marrow to produce new red blood cells in order to replenish the loss. So, it stimulates the production of new blood cells and refreshes the system.

Before donating blood, your hemoglobin level will be tested. If it is low, then you will not be allowed to donate blood. Besides hemoglobin, your blood pressure level and body weight will also be checked. In addition, your blood will also be examined for detecting the presence of five diseases, namely, hepatitis B, hepatitis C, Syphilis, HIV/AIDS and malaria. If you are not suffering from these diseases, only then you will be allowed to donate your blood.

There are no major disadvantages of donating blood, except that sometimes one may experience a drop in blood pressure due to hypovolemia (a state of reduced blood volume), which may necessitate cancellation of donation. Sometimes, one may also experience mild nausea or dizziness for a short while. But if you compare the health benefits and mental satisfaction that comes from saving a life, you will feel that benefits of this act of charity is not only restricted to the recipient, but also helps the donor immensely.


http://www.buzzle.com/articles/advantages-of-donating-blood.html



How often can one give blood?
Regulations in the United States allow people to donate whole blood once every 56 days. The waiting period between donations can be different for other blood components. For example, donating only platelets in a process called apheresis requires only a 3 day wait before a person can give again. Donating two units of red blood cells through a similar process doubles the waiting period to 112 days.

http://www.givelife2.org/donor/faq.asp#3


www.keralites.net

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[www.keralites.net] Story of Innovation: The ball points

 
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[www.keralites.net] List of Companies authorized to issue Tax-Free Bonds during FY 2012-2013

 

SECTION 10(15), ITEM (h) OF SUB-CLAUSE (iv) OF THE INCOME-TAX ACT, 1961 – EXEMPTIONS – INTEREST ON BONDS/DEBENTURES – SPECIFIED COMPANIES AUTHORIZED TO ISSUE TAX-FREE, SECURD, REDEEMABLE, NON-CONVERTIBLE BONDS DURING F.Y. 2012-13
Notification No. 46/2012 [F. No. 178/60/2012-(ITA.1)], dated 6-11-2012
In exercise of the powers conferred by item (h) of sub-clause (iv) of clause (15) of section 10 of the Income-tax Act, 1961 (43 of 1961), the Central Government hereby authorises the entities mentioned in column (2) of the following Table to issue, during the financial year 2012-13. tax-free, secured, redeemable, non-convertible bonds, aggregating to amounts mentioned in column (3) of the said table, subject to the conditions specified hereunder:-
(a)  Eligibility.- The following shall be eligible to subscribe to the bonds:-
 (i)  Retail Individual Investors (RII);
(ii)  Qualified Institutional Buyers (QIBs);
(iii)  Corporates;
(iv)  High Net Worth Individuals (HNIs);
(b)  Tenure of bonds.- (i) In the case of India Infrastructure Finance Company Limited (IIFCL), the tenure of the bonds shall be for ten, fifteen or twenty years;
(ii) in other cases, the tenure of the bonds shall be for ten or fifteen years ;
(c)  Permanent Account Number.- It shall be mandatory for the subscribers to furnish their Permanent Account Number to the issuer;
(d)  Rate of interest.- (i) There shall be a ceiling on the coupon rates based on the reference Government security (G-sec) rate;
(ii) The reference G-sec rate would be the average of the base yield of G-sec for equivalent maturity reported by Fixed Income Money Market and Derivative Association of India (FIMMDA) on a daily basis (working day) prevailing for two weeks ending on Friday immediately preceding the filing of the final prospectus with the Exchange or Registrar of Companies (ROC) in case of public issue and the issue opening date in case of private placement;
(iii) The ceiling coupon rate for AA rated issuers shall be the reference G-sec. rate less 50 basis points in case of Retail Individual Investors (RII); and reference G-sec rate less 100 basis points incase of other investor segments, like Qualified Institutional Buyers (QIBs), Corporate and High Net Worth Individuals (HNIs);
(iv) In case the rating of the issuer entity is above AA, a reduction of 15 basis points shall be made in the ceiling rate, as compared to the ceiling rate for AA rated entities [as given in clause (iii)] ;
(v) These ceiling rates shall apply for annual payment of interest and in case the schedule of interest payments is altered to semi-annual, the interest rates shall be reduced by 15 basis points;
(vi) The higher rate of interest, applicable to retail investors, shall not be available in case the bonds are transferred, except in case of transfer to legal heir in the event of death of the original investor;
(e)  Issue expense and brokerage.- (i) In the case of private placement, the total issue expense shall not exceed 0.2% of the issue size and in case of public issue it shall not exceed 0.5% of the issue size;
(ii) The issue expense would include all expenses relating to the issue like brokerage, advertisement, printing, registration etc.;
(iii) The brokerage, in cases of different categories, shall be limited to the following ceilings :-
 (I)  QIB – 0.05%
(II)  Corporates-0.1%
(III)  HNI – 0.15%
(IV)  RII – 0.75%;
(f)  Public issue.- (i) At least 75% of the aggregate amount of bonds issued by each entity shall be raised through public issue;
(ii) 40% of such public issue shall be earmarked for retail investors;
(g)  Private placement- (i) While adopting the private placement route to issue the bonds, each entity shall adopt the book building approach as per the Regulations 11 of the Securities and Exchange Board of India (Issue and Listing of Debt Securities) Regulations, 2008, wherein bids shall be sought on the coupon rate subject to a ceiling specified by the entity and the allotment shall be made at the price bid;
(ii) The bonds shall be paid for and issued at a premium but with a fixed coupon so that the instrument can be traded under a single International Securities Identification Number (ISIN) and the yield shall be worked based on the price quoted and then allotment shall be done for best price (lowest yield);
(iii) The ceiling rate of the interest shall either be equal to or lower than the rate mentioned in paragraph (d);
(iv) While calling for bids, there shall be no limit on the number of arrangers who can bid for the issue;
(v) The issue size shall be limited to rupees five hundred crores for each tranche;
(h)  Repayment of bonds.- (i) The issuer entity shall submit a financing plan to the Ministry of Finance to demonstrate its ability to repay the borrowed funds once the repayment becomes due;
(ii) This financing plan shall be submitted to the Infra-Finance Section, Infrastructure and InvestmentDivision, Department of Economic Affairs, Ministry of Finance, within three months of closure of the issue, duly supported by a resolution of the respective entity's Board of Directors;
(i)  Selection of merchant bankers.- Merchant bankers shall be selected through competitive bidding process wherein the only technical criteria for pre-qualification shall be the total funds mobilised through public issue of debt and equity together over the past five years and after pre-qualification, the final selection shall be based on financial bids;
(j)  The benefit under the aforesaid section 10 shall be admissible only if the holder of such bonds registers his, her or it's name and the holding with the entity.
Table
S. No. (1)
Entities (2)
Aggregate amount of bonds (3)
1.
National Highways Authority of India
Rs. 10,000 crores
2.
Indian Railway Finance Corporation Limited
Rs. 10,000 crores
3.
India infrastructure Finance CompanyLimited
Rs. 10,000 crores
4.
Housing and Urban Development Corporation Limited
Rs. 5,000 crores
5.
National Housing Bank
Rs. 5,000 crores
6.
Power Finance Corporation
Rs. 5,000 crores
7.
Rural Electrical Corporation
Rs. 5,000 crores
8.
Jawaharlal Nehru Port Trust
Rs. 2,000 crores
9.
Dredging Corporation of India Limited
Rs. 500 crores
10.
Ennore Port Limited
Rs. 1,000 crores
Explanation.- For the purposes of this notification,-
(i)  Qualified Institutional Buyers shall have the same meaning as assigned to them in the Securitiesand Exchange Board of India (Disclosure and Investor Protection) Guidelines, 2000.
(ii Retail Individual Investors means those individual investors, Hindu Undivided Family (through Karta), and Non Resident Indians (NRIs), on repatriation as well as non repatriation basis, applying for upto Rs. ten lakhs in each issue ; and individual investors investing more than Rs. ten lakhs shall be classified as High Net Worth Individuals.

(iii)  The bonds issued to NRIs shall be subject to the provisions of Notification No. FEMA 4/2000-RB dated 3rd May, 2000 and Notification No. FEMA 20/2000-RB dated 3rd May, 2000, issued under clause (b) of sub-section (3) of Section 6 and Section 47 of the Foreign Exchange Management Act, 1999, as amended from time to time.
(iv)  The credit rating referred to in paragraph (d) of this notification shall mean the credit rating, as assigned by a credit rating agency which is approved by the Securities and Exchange Board of India as well as the Reserve Bank of India and where an entity has been rated differently, by more than one rating agency, the lower of the two ratings shall be considered.
 
Best Regards
Prakash Nair
prakash@yourownadviser.com

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