Wednesday, 5 November 2014

[www.keralites.net] Proof of life certificate: Govt plans digital verification to ease pensioners' woes

 

 
See more at: http://indianexpress.com/article/business/business-others/proof-of-life-certificate-govt-plans-digital-verification-to-ease-pensioners-woes/#sthash.Zp6iYhmd.dpuf
 
-- Written by Subhomoy Bhattacharjee | New Delhi | Posted: November 4, 2014 3:54 am
 
Millions of retired people could soon be spared the trouble of travelling to banks and post offices to prove they are alive to claim pensions. The government is working on a scheme for digital verification of pensioners.


 
"We are developing the means to allow pensioners to prove they are alive by a combination of Aadhaar numbers allied to a software tool that can be used from anywhere", RS Sharma, secretary, department of information technology, told The Indian Express.


 
Current rules mandate that any person who draws a pension from her employer has to submit a proof every year that she is alive. While there are several alternative form of certificates that banks and post offices accept (11 types for government pension), in all cases they have to be presented by the person who draws the pension to the office from where the monthly payment is made. This applies for spouse to draw family pension, too. The few exceptions are for certified cases of ill health or permanent disability but here too the onus is on the disbursing agency to assure the person is alive.


 
This is also one of the reasons why government departments wed their pensioners to a single branch of a bank or a post office as the verification records are maintained by that office in physical documents. In February 2013 the department of expenditure relaxed the rules to allow pensioners to hand over their certificates to any branch of the bank which handles her pension account.


 
Once the alternative system is in place, it is expected to be extended to the pension market for unorganised sector in India too.


 
Gautam Bhardwaj, managing director, Invest India Micro Pension Services agreed that pension companies in this sector would need this support. "They have not worked out anything so far, but an Aadhaar based application would be essential, I expect", he said.
The new system will be a joint effort of the finance ministry and the department of information technology. It will allow people to seed their pension accounts with Aadhaar numbers and on top of that build in an additional level of verification using a touch application to demonstrate the person is alive.


 
Sharma said the scheme has been flagged with the Prime Minister's Office.
The size of the pension market is expanding fast in India. A Ficci-KPMG report has estimated the potential size of the pension market in India to close to Rs 4,00,000 crore by 2025.

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ഒരു പൊറോട്ട കഥ
----------------------------
ഈ കഥയിലെ താരം മൈദയാണ്‌.

ഈ കഥ ഓരോ മലയാളികളും വായിക്കേണ്ട കഥ. കഥ തുടങ്ങുന്നത്‌ അങ്ങ്‌ ഇംഗ്ലണ്ടിലാണ്‌ . കഴിഞ്ഞ നൂറ്റാണ്ടുകളിൽ ഇംഗ്ലണ്ടിൽ മൈദ ഉപയോഗം കൂടുതലായിരുന്നു എന്നാൽ കാലം കഴിഞ്ഞപ്പോൾ അവരുടെ ആരോഗ്യം ക്ഷയിച്ചുതുടങ്ങി കാരണം കണ്ടെത്തി വില്ലൻ മൈദ തന്നെ അങ്ങനെ 1949 യിൽ ഇംഗ്ലണ്ടിൽ മൈദ നിരോധിച്ചു. കഥ തീർന്നില്ല ഇവിടെ തുടങ്ങുന്നു. കേരളത്തിൽ ഏറ്റവും കൂടുതൽ ക്യാൻസർ രോഗികൾ ഉള്ളത്‌ മലബാർ മേഘലയിൽ നിന്നാണ്‌. കേരളത്തിൽ ഏറ്റവും കൂടുതൽ പെറോട്ട കഴിക്കുന്നത്‌ ഈ മലബാറുകാർ ആണേന്ന കാര്യത്തിൽ ആർക്കും സംശയം ഉണ്ടാകാൻ തരമില്ലാ. പണ്ട്‌ ഞാനും പെറോട്ട ഉപയോഗിച്ചിരുന്നു. എന്നാൽ ഇതിന്റെ ദോഷവശങ്ങൾ മനസിലായപ്പോൾ അത്‌ നിർത്തി.

മൈദ എന്തെന്നും എങ്ങനെ ഉണ്ടാക്കുന്നു എന്നും പറയാം. ഗോതമ്പിൽ പ്രധാനമായും മൂന്ന് ഘടകങ്ങൾ ഉണ്ട്‌. ജെം,തവിട്‌,എന്റോസ്പേം. ഗോതമ്പിൽ നിന്ന് എന്റോസ്പേം നീക്കം ചെയ്യുന്നു ഈ എന്റോസ്പേം സൂക്ഷ്മമായ്‌ പൊടിച്ചാണ്‌ മൈദ ഉണ്ടാക്കുന്നത്‌. ഇങ്ങനെ പൊടിച്ച മൈദയ്ക്ക്‌ മഞ്ഞനിറമാണ്‌. ഈ നിറം കളഞ്ഞ്‌ വെള്ളനിറമാക്കാൻ ബെൻസോയിൽ പെറോക്‌സൈഡ്‌ എന്ന രാസവസ്തു ഉപയോഗിക്കുന്നു. ഈ ബെൻസോയിൽ പെറോക്സൈഡ്‌ ചൈനയും ഇംഗ്ലണ്ടിലും യൂറോപ്പിലും നിരോധിച്ച രാസവസ്തു ആണ്‌. മൈദ വളരെ മൃദുവാണ്‌ അതിനായ്‌ അലോക്സിൻ എന്ന രാസവസ്തു ഉപയോഗികുന്നു. ഈ അലോക്സിൻ എലികളിലും ഗിനിപന്നികളിലും ഉപയോഗിച്ചപ്പോൾ അവയുടെ പാൻക്രിയാസിലെ ബീറ്റ കോശങ്ങൾ നശിച്ച്‌ ഇൻസുലിന്റെ അളവ്‌ കുറച്ച്‌ പ്രമേഹം ഉണ്ടാകുന്നതായ്‌ കണ്ടെത്തി. പെറോട്ട കഴിച്ചാൽ വിശപ്പ്‌ ഉണ്ടാകില്ലാ അല്ലെ എന്താകും കാരണം. ദഹിക്കില്ല അതുതന്നെ. നമ്മുടെ ദഹന വ്യവസ്ഥയ്ക്ക്‌ നമ്മൾ തന്നെ നൽകുന്ന എട്ടിന്റെ പണിയാണ്‌.

ഗോതമ്പിന്റെ വേസ്റ്റായ മൈദ അമേരിക്ക,ഇംഗ്ലണ്ട്‌ തുടങ്ങിയ രാജ്യങ്ങൾ നമ്മുടെ ഭാരതം പോലുള്ള പട്ടിണിപാവങ്ങളുടെ നാടുകളിലേയ്ക്ക്‌ കയറ്റുമതി ചെയ്ത്‌ പണമുണ്ടാക്കുന്നു. നമ്മൾ അതുവാങ്ങി പെറോട്ട ഉണ്ടാക്കി തിന്നുന്നു. പലരും ഇതൊന്നും സമ്മതിക്കില്ല അവരോട്‌ എനിക്ക്‌ ഒന്നും പറയാനില്ല. എന്റെ പ്രീയ കൂട്ടുകാർ ആരും മൈദ പശ ഉണ്ടാക്കാൻ അല്ലാതെ ഭക്ഷ്യവസ്തുക്കൾ ഉണ്ടാക്കാൻ ഉപയോഗിക്കരുത്‌ കഴിക്കരുത്‌. ഈ സന്ദേശം എല്ലാവരിലും എത്തിക്കാൻ ശ്രമിക്കുക. നല്ലതും ചീത്തയും തിരിച്ചറിയാൻ നമുക്ക്‌ ശ്രമിക്കാം


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[www.keralites.net] 6 Ways to be Wise

 

Knowledge is knowing the tomato is a fruit, wisdom is not putting it in your fruit salad." – Miles Kington.

Wisdom has a close relationship with sight-related words: foresight, insight, hindsight, reflection, enlightenment, visionary, etc. The wise person is able to see beyond the small issues and find a larger perspective; that is why they are so fascinating and useful. Telling your problems to a wise person will result in a solution that you might have not been able to think of, because you are too concerned with your own problems (which, in the scheme of things, are small).
Really, isn't wisdom why we are all here? If wisdom is looking beyond individual things and seeing larger trends, then people on this website can see that their life is made up of all the little habits and traits that make them so individual. Crafting a better life is all about focusing on those small things and hacking them to create a larger effect further on in time.
Here are six uses of this skill of looking beyond the near and the obvious. They all have this one thing in common, but have wide and far reaching effects.

1-  See Beyond the Cloud of Emotions

Beginning with Aristotle and Plato, philosophers have argued that emotions interact with reason when we make decisions. Aristotle believed that emotions exist on difference scales, and having an extreme on either side of the scale is a failing. For example, the virtue of courage is the perfect middle ground between the extreme emotions of foolhardiness and cowardice. The way to make this balance, in Aristotle's view, is by the use of reason. Or, to use a cartoon example, the Green Lantern has to use power rings of different colors (emotions) occasionally to overcome his enemies. Only when these emotions are channeled through the power of his green ring (representing willpower) can Hal Jordan save the day.

2-  Seek Long-Term Goals instead of Short-Term Pleasures

The infamous marshmallow test suggests that being able to delay gratification is a cornerstone trait of successful people. But, more than that, it is linked to better physical health, psychological health and social standing. The connection is obvious: it is far easier to sit down and watch TV or eat, rather than going for a walk, having a heart-to-heart with a loved one, or making new friends. It is easy to forget what you want in the long-term when you don't have clear goals—that is why having them is such an indicator of success.

3-  Dispel the Illusion of Certainty

Life is certain? Are you sure about that? Every living creature tends towards homeostasis: it attempts to stabilise its environment for security, stability and simplicity. The tendency of chance is to create insecurity, instability and complexity, but it is only through chance that living things can evolve. Evolution isn't just limited to biology—it happens with culture and innovation as well. The wrong chance adaptions can cause an organism to die out (unsuccessful mutation) and this can be true of other evolution. The chance development of fire mutated and changed the race that discovered it; the chance development of nuclear power and rockets did the same, but they may be our end.
With chance, there are no limits to change because there are no restrictions of logic, purpose or morality. Understanding the nature of the dice can shatter comfortable realities, but it can also stop people from living an illusion.

4-  See the Consequences of Your Actions

Just like throwing a rock into a lake, your actions create ripples. When you fail to understand the consequences of your actions, there are two resulting problems: if the consequence was negative, you will fail to learn from your mistake and keep on repeating the problem behavior; if the consequence was positive, you will be unable to repeat the behaviour that gave you your desired results. Either way, you lose out. When you assess different courses of action, understanding the potential consequences is what allows you to repeatedly make the best decision. Remember the carpenter's proverb; "measure twice, cut once".

5-  Understand the Holistic Nature of Knowledge and Community

Learning in one area can improve learning in others. This isn't touched upon much in schools, although some people capitalise upon it and produce great work in their exams. The classic example is that learning a musical instrument can make you better at mathematics. Our brains aren't good at dividing what we know into subject areas—people just try to force them to do so.
The same can be said of communities: we live in societies that are dependent upon others, and part of accepting that is offering the acceptance we would give to a neighbor across the street to the people of a neighboring country. Cosmopolitanism is the ideology that all humans belong to a single community based on shared respect and morality.

6-  See Things as They Are

Many of us have our vision obscured by the information presented to us. Media capitalises on sensational and gruesome stories, with little attention paid to the mundane, which makes it easy for us to become disenchanted with the world. When we see current events, there is wisdom in looking into the context and the history behind those events, as well as looking forward to the possible future outcomes. In the history and context lie stories and motivations that are ignored just to give a story a certain spin or to make an argument appear stronger.
The truly wise man understands how far the scope of knowledge extends and how little they know in comparison. Because of this, a wise man would never try to list comprehensively all the ways to become wise, so these are a just a chosen few. Feel free to add to them, in your own time.

 
Source: Lifehack

 

Junaid Tahir 
www.DailyTenMinutes.com

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Tuesday, 4 November 2014

[www.keralites.net] 60 Great Quotes

 



1. You cannot change what you refuse to confront.

 
2. Sometimes good things fall apart so better things can
fall together.

 
3. Don't think of cost. Think of value.

 
4. Sometimes you need to distance yourself to see things
clearly.

 
5. Too many people buy things they don't need, with money
they don't have, to impress people they don't
know. Read Rich Dad, Poor Dad.

 
6. No matter how many mistakes you make or how slow
you progress, you are still way ahead of everyone who
isn't trying.

 
7. If a person wants to be a part of your life, they will make
an obvious effort to do so. Think twice before reserving
a space in your heart for people who do not make an
effort to stay.

 
8. Making one person smile can change the world – maybe
not the whole world, but their world.

 
9. Saying someone is ugly doesn't make you any prettier.

 
10. The only normal people you know are the ones you don't
know very well.

 
11. Life is 10% of what happens to you and 90% of how you
react to it.

 
12. The most painful thing is losing yourself in the process
of loving someone too much, and forgetting that you are
special too.

 
13. It's better to be alone than to be in bad company.

 
14. As we grow up, we realize it becomes less important to
have more friends and more important to have real ones.

 
15. Making a hundred friends is not a miracle. The miracle is
to make a single friend who will stand by your side even
when hundreds are against you.

 
16. Giving up doesn't always mean you're weak, sometimes it
means you are strong enough and smart enough to let go
and move on.

 
17. Don't say you don't have enough time. You have exactly the
same number of hours per day that were given to Helen Keller,
Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci,
Thomas Jefferson, Albert Einstein, etc…

 
18. If you really want to do something, you'll find a way. If you
don't, you'll find an excuse.

 
19. Don't choose the one who is beautiful to the world; choose
the one who makes your world beautiful.

 
20. Falling in love is not a choice. To stay in love is.

 
21. True love isn't about being inseparable; it's about two people
being true to each other even when they are separated.

 
22. While you're busy looking for the perfect person, you'll
probably miss the imperfect person who could make you
perfectly happy.

 
23. Never do something permanently foolish just because
you are temporarily upset.

 
24. You can learn great things from your mistakes when you
aren't busy denying them. Read The 7 Habits of Highly
Effective People.

 
25. In life, if you don't risk anything, you risk everything.

 
26. When you stop chasing the wrong things you give the
right things a chance to catch you.

 
27. Every single thing that has ever happened in your life is
preparing you for a moment that is yet to come.

 
28. There isn't anything noble about being superior to
another person. True nobility is in being superior to
the person you once were.

 
29. Trying to be someone else is a waste of the person you are.

 
30. You will never become who you want to be if you
keep blaming everyone else for who you are now.

 
31. People are more what they hide than what they show.

 
32. Sometimes people don't notice the things others do for
them until they stop doing them.

 
33. Don't listen to what people say, watch what they do.

 
34. Being alone does not mean you are lonely, and being
lonely does not mean you are alone.

 
35. Love is not about sex or showing off.
It's about being with a person who makes you happy in
a way nobody else can.

 
36. Anyone can come into your life and say how much
they love you. It takes someone really special to stay
in your life and show how much they love you.

 
37. Burn the candles, use the nice sheets, wear the fancy
suiting. Don't save it for a special occasion; today
is special.

 
38. Love and appreciate your parents. We are often so
busy growing up, we forget they are also growing old.

 
39. When you have to start compromising yourself and
your morals for the people around you, it's probably
time to change the people around you.

 
40. Learn to love yourself first, instead of loving the idea
of other people loving you.

 
41. When someone tells you, "You've changed," it might simply
be because you've stopped living your life their way.

 
42. Someone else doesn't have to be wrong for you to be right.

 
43. Be happy. Be yourself. If others don't like it, then let them be.
Happiness is a choice. Life isn't about pleasing everybody.

 
44. When you're up, your friends know who you are. When you're
down, you know who your friends are.

 
45. Don't look for someone who will solve all your problems;
look for someone who will face them with you.

 
46. If you expect the world to be fair with you because you
are fair, you're fooling yourself. That's like expecting the
lion not to eat you because you didn't eat him.

 
47. No matter how good or bad you have it, wake up each
day thankful for your life. Someone somewhere else is
desperately fighting for theirs.

 
48. The smallest act of kindness is worth more than the
grandest intention.

 
49. Many people are so poor because the only thing they
have is money.

 
50. Learn to appreciate the things you have before time
forces you appreciate the things you once had.

 
51. When you choose to see the good in others, you end
up finding the good in yourself.

 
52. You don't drown by falling in the water. You drown
by staying there.

 
53. It's better to know and be disappointed than to never
know and always wonder.

 
54. There are things that we don't want to happen but have
to accept, things we don't want to know but have to learn,
and people we can't live without but have to let go.

 
55. Happiness is not determined by what's happening around
you, but rather what's happening inside you. Most people
depend on others to gain happiness, but the truth is, it
always comes from within.

 
56. If you tell the truth, it becomes a part of your past.
If you lie, it becomes a part of your future.

 
57. What you do every day matters more than what you
do every once in a while. Read The Power of Habit.

 
58. You can't start the next chapter of your life if you keep
re-reading your last one.

 
59. Things turn out best for people who make the best out
of the way things turn out.

 
60. If you don't like something, change it. If you can't
change it, change the way you think about it.

 

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