Friday, 20 January 2017

[www.keralites.net] : 21-01-2017 TODAY’S MESSAGE FROM TRICHY PRASANNAN : Financial planning [3 Attachments]

 




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21-01-2017  TODAY'S MESSAGE FROM TRICHY PRASANNAN
 
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Subject: Financial Planning
 
*Thumb Rule of Financial planning.*
1. 30 % of your income must be used for *monthly living expenses.*
2. 30% of your income must be used for *Liabilities repayments*, if any..
3. 30% of your income must be *SAVED* and *INVESTED* for your future LIVING.
4. 10% of your income must be spared for *entertainments, vacations*
5. 6 months expenses must be available for *emergency fund* (should be invested in LIQUID FUND, FD Etc)
6. *Home loan* must be registered and apply on both *husband and wife name.* (Both can get benefits on Home loan Tax benefits)
7. Buying *second house for investment is not advisable* ( _Survey reports - it will fetch you only around 3% return_)
8. After 45 years of age, *not supposed to enter into any BIG LIABILITIES* (Higher education of children and wedding of children will happen around 45 to 50 only, so plan now for the same.)

9. Have joint account @ Bank savings account.
10. Property must be *registered on both Husband and wife name*. (As per legal act – after husband first legal heir is wife, after wife it will go to children only)
11. Regular check on *Nominations at all financial instruments.* if not nominated, do it now..
12. Only in insurance policy, Claims payable to Nominee. In other financial instruments legal heirs certificate is must to get back the settlement
13. Must have *Term Insurance* to financially secure future of your dependants..
14. *Don't take any financial investment decisions EMOTIONALLY*,  and also Avoid last minute tax saving investment decisions, plan well in advance..
15. *MEDICLAIM is must* (in spite of Group mediclaim coverage given at office) (After retirement there is no mediclaim coverage, after 50-55 years of age, it's very tough and costly to enter into mediclaim)
16. For your *jewelry LOCKER*, Only one lakh is payable by bank, if theft or fire happen at bank. Provided insurance done.
17. Like same way *Government guaranteed only one lakh for your FD* also. (Fixed deposits with Banks upto Rs. 1 lakh only are backed by deposit insurance)
18. Must know all *Tax implications.* You cannot avoid paying tax. But you can minimize by way of tax planning and investments..
19. All *financial documents must be kept safely* and keep family members informed of the same..
20. *Financial investments* must be followed through *personal financial advisor..*
21. *Review your portfolio at every six month..*
These are general suggestions, personal Finance and investment decisions depends upon case to case_
*Have a Healthy and Wealthy 2017..*
 


 
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[www.keralites.net] : 21-01-2017 திருச்சி நா.பிரசன்னா-வின் இன்றைய குறுந்தகவல் [3 Attachments]

 




Subject: : 21-01-2017 திருச்சி நா.பிரசன்னா-வின் இன்றைய குறுந்தகவல்

 
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21-01-2017  திருச்சி நா.பிரசன்னா-வின் இன்றைய குறுந்தகவல்
 
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திருச்சி நா.பிரசன்னா
Mobile: 9488019015.  9941505431,
n.prasannam@gmail.com,  trichyprasannam@gmail.com,
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My email: n.prasannam@gmail.com,   iampresanam@yahoo.co.in, trichyprasannam@gmail.com,
 
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[www.keralites.net] Tree Man May Finally Be Free from His Terrible Condition

 

There May Be a Cure For the Debilitating Tree Man Illness!

Adul Bajandar, a 27-year-old Bangladeshi man, became world famous when strange growths resembling tree branches began to grow out of his hands and feet. This extreme abnormality was caused by the rare autosomal recessive genetic disorder (only 5 people in the world are known to have it). This disorder makes the infected person more susceptible to human papillomaviruses (HPVs), which leads to an overgrowth of scaly macules and papules, mostly on the hands and feet.

 

 

There are several HPVs that contribute to this condition, but HPV types 5 and 8 are the ones most commonly associated with this illness. These types are found in over 80% of the world's population, but they aren't reactive and don't cause any symptoms. Due to the tree-like growth that occurs, this disorder has been given the nickname "tree man illness." Those who suffer from this condition do not only become severely physically handicapped, but they are also at a much higher risk of carcinoma of the skin.

 

Tree Man - Cured

Mr. Bajandar's first warts appeared on his hands and feet when he was in his mid-teens, and the growths began to grow rapidly when he was in his early 20s. Due to this extreme growth, Mr. Bajandar was forced to quit his job as a rickshaw driver and he eventually became the subject of international news. The growths, which weighed 5 kilograms in total, became so problematic that he was unable to feed himself, take a drink, have a shower or brush his teeth by himself - the only thing he was able to do was scratch his neck.  As a result, he is totally reliant on his 21-year-old wife, and their young daughter for help.

However, thanks to some ground-breaking surgery, Mr. Bajandar may have finally have been cured from this debilitating condition. Upon hearing about his illness, doctors from the National Institute  of Burn and Plastic Surgery, despite never having tackled this problem before, kindly agreed to treat him free of charge at the Dhaka Medical College Hospital.

Having lived with his condition for years, he began his treatment to remove the growths in February of 2016. Since then, he has undergone 16 painstaking procedures to restore his hands, and will undergo a few minor ones this year before he is released from hospital. During these 16 previous operations, the doctors carefully trimmed the bark-like structures from his hand using a laser - they burnt the tissue layer by layer being extremely careful not to destroy any major nerves.

Tree Man - Cured

Dr. Samata Lal Sen, the chief plastic surgeon in charge of curing Mr. Bajandar said that he is in great shape now and is able to eat and write using his own hands. The remaining surgeries are purely for cosmetic reasons as they need to perfect the shape of his hands.

It's not clear if Mr. Bajandar is completely cured of his condition as the experts are not sure whether his warts will grow back. However, if he is cured he will become the first person to ever be cured of this horrendous condition.

Speaking from his hospital bed Mr. Bajandar declared that he was extremely thankful for this life changing surgery - "I never thought I would ever be able to hold my kid with my hands. Now I feel so much better, I can hold my daughter in my lap and play with her. I can't wait to go back home. I hope the curse won't return again."

 

 


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[www.keralites.net] Fwd: World War I Wouldn't Have Been Won Without Women's Efforts

 

Womens' Contribution to the WWII War Effort!

When the First World War broke out in 1914, many men were sent into battle to halt the advances of the Central Powers. This meant that the women were sent to work in factories to support the war effort, and this was especially true in the recently industrialized United Kingdom.

 

 

Furthermore, women took over roles as transit workers, police, bank tellers, and firefighters in addition to being the presence on factory floors producing artillery shells, gas masks, tanks, ships, planes, mines, and various munitions.

They were exposed to strenuous, difficult, and hazardous conditions. For instance, women in munitions factories had their skin turn yellow from regular exposure to TNT, and many, in fact, died from their exposure to this and other deadly chemicals.

Sadly, British women participating in the war effort were paid less than their male counterparts in equivalent roles, and many of them were fired post-1918 when war veterans began to return home from the front lines. Take a look at these photos capturing a difficult, yet significant era for humanity:

A worker uses a circular saw in a factory.

 

Sodium nitrate is shoveled into a skip.

 

 


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