Web Question Answers

Autobiography - Bhooli Bisri Khatti Meethi Sunheri Yaadein

noreply@blogger.com (Ashok Goyal M-9814915812) — Sat, 1 Jan 2022 08:06:00 -0800

Coming Soon: Autobiography of the author based on his life covering all Sweet and Bitter Experiences of life with real-life situations - Ups and Downs, Success and Failures, Win and Loose, Honesty and Dishonesty, Love and Hate, Healthy and Sick, Affluence and Deprivation, Satisfaction and Greed, Politeness and Rudeness, Teacher and Student, Guru and Pupil, Parent and Child and so many permutations and combinations of real life. One has to withstand a lot of pulls and pressures - may it be Personal Life, Public Life, Professional Life, and Relative and Friends circle. Above all the role of "GOD" in making one's destiny will also be the concern of the author. No doubt all the factors taken together make a "Good" or "Bad" Personality but role of Money and Muscle Power also play a significant role in crushing good personalities and the quote "Might is Right" holds good in today's ultramodern materialistic world and intellectual will have to prove that Pen is mightier than Sword as per old Quote in Hindi :

खीचों ना कमानों को, ना तलवार निकालो I

जब तोप मुकाबिल हो, तों अख़बार निकालो I

LIFE GENERAL AND HEALTH INSURANCE

noreply@blogger.com (Unknown) — Sat, 1 Jan 2022 02:59:00 -0800

LIFE INSURANCE:

What Is Life Insurance?
Life insurance is a contract that pledges payment of an amount to the person assured (or his nominee) on the happening of the event insured against :

The contract is valid for payment of the insured amount during:

The date of maturity, or
Specified dates at periodic intervals, or
Unfortunately, death, if it occurs earlier.

Among other things, the contract also provides for the payment of premium periodically to the Corporation by the policyholder. Life insurance is universally acknowledged to be an institution, which eliminates 'risk', substituting certainty for uncertainty and comes to the timely aid of the family in the unfortunate event of the death of the breadwinner and Maturity Value for supporting living till old age without visible means of support.

Zindgi ke saath bhi.Zindagi ke baad bhi

LIC OF INDIA is the oldest Life Insurance Corporation in India formed by the act of Parliament in 1956 when 245 Indian and foreign insurers and provident societies were taken over by the central government and nationalized. LIC formed by an Act of Parliament, viz. LIC Act, 1956, with a capital contribution of Rs. 5 crores from the Government of India.

It is the Most Trusted Brand in India which is contributing to the development of Modern India.

General Insurance covering Insurance against Natural Calamities like Flood, Fire, Earthquake, or any act of God/Nature, Accidents, Theft, Dacoity, Riots, etc of Properties, may it be House, Vehicle, Stocks in Industries/shops, Ships, Airplanes, Cash in Hand/Jewelry in Home or showrooms of Jewellers is covered by the General Insurance Companies.

Health Insurance: covering Medical Expenses for hospitalization is the Latest need of the Modern Society when it too costly to afford for unforeseen contingencies due to Accidents and Major illnesses requiring hospitalization. We shall be discussing LIFE, GENERAL and HEALTH insurances in details in our subsequent Posts.

How to Use GOI web directory - States Districts Local bodies Suvidha Centres

noreply@blogger.com (Ashok Goyal M-9814915812) — Fri, 31 Dec 2021 18:48:00 -0800

Purpose of the Directory: The objective behind the Directory is to provide a single point source to know all about Indian Government Websites at all levels and from all sectors. An attempt has been made through this directory to provide a comprehensive, accurate, and reliable and one-stop source of information about Government websites in

India

The scope of Information: The GOI Directory lists the Indian Government websites under the following domains:

Union Government

websites of union Government Apex bodies, Legislatures, Ministries, Departments, Organizations, Academics/Institutions, Autonomous Bodies, etc..
State & Union Territory Government

websites of State & Union Territory Government Apex bodies, Legislatures, Departments, Organizations, Academics/Institutions, Autonomous Bodies, etc..
District Administration

websites of District administration & Local bodies like Municipalities, Town/Village Panchayats, etc..
Judiciary

websites of Supreme Court of India, High Courts, District Courts, Tribunals/Boards, and other Judicial entities
International

websites of Indian missions in other countries, Foreign Missions in India as well as UN and other International Organisations in India.
Sectors

The Websites in the GOI Directory are also grouped and listed under 30 different Sectors like Agriculture, Education, Health, Tourism, etc..

The content in this Directory is the result of a collaborative effort of various Indian Government Ministries and Departments, at the Central/State/District level. It is our endeavor to continue the enhancement and enrichment of this Directory in terms of website coverage, design, and technology on a regular basis.

Browsing & Navigation: You can browse GOI Directory by category like Union/State Government, Judiciary, International, etc.. OR by Sectors like Agriculture, Education, Health, Tourism, etc..

You Can consult the Site Map OR the Help section for more information and tips on how to browse/navigate the GOI Directory.

Search: The Search facility enables you to search for a website using the word OR phrase in site Title OR URL. The Advanced Search facilitates you to search within a category like Union/State Government, Judiciary, and International, etc.. OR restrict your search to a specific sector like Agriculture, Education, Tourism, etc..

Subscribe: You can Subscribe also to Email Updates to receive periodic email notifications OR Subscribe to RSS feeds to receive GOI Directory updates on your Browser OR on several online/offline feeds aggregators.

Linking to GOI Directory: Site welcomes and encourages you to place a link on your Web site to GOI Directory. You don't have to ask permission to link to GOI Directory but we can provide wording and linking graphics. Please visit Link to Us Page for more details.

Participate and Get Involved: The participation section shows different ways for you to participate and get involved in the GOI Directory Project.

Feedback/Suggestion: You can send your feedback/suggestions on the GOI Directory to help us serve you better. You can also report the problem with the content as well as any technical issues/difficulties experienced while browsing/navigating the Directory. You can Contact Site Managers (NIC) with other ways to get in touch with GOI. (Example Navigation)

You can visit the GOI Web directory above. For further inquiries related to your issues (Say High Court Cases Listing Status) you can go to links for > Your State > Your District Judiciary > District Courts Punjab > High Court Chandigarh > Your Case Status. You can also know your Case Listing Status. You can also know the status of your case via SMS as under :

PUNJAB & HARYANA HIGH COURT CHANDIGARH INTRODUCES

SMS CASE ENQUIRY

SMS to 56767

To know Case Filing Status, send SMS Text as

PHFS<Space><Diary Number>

Like PHFS 230852.

If You like the information - Share it on Facebook, Twitter, and Google+ amongst your friends and circles.

Google Translator Utilities

noreply@blogger.com (Unknown) — Fri, 10 Jan 2020 22:55:00 -0800

One of my friends came to me for getting a lengthy Legal Agreement translated into HINDI after exhausting all his efforts. I thought that it should not be a difficult task in Today's technical world. I immediately checked up with Google Translator and there was an immediate solution to solve the PROBLEM.

Working with Google Translator Utility for immediate online translation into approx 60 languages and vice verse is reproduced below for the benefit of My Readers and Public in General :

Step 1: Sign in to Google Translator with your GMAIL ID.

Open this Screen Shot in New Window to see Enlarged View:

Step 2: Manually type the document in any language in the box on the left side to get translation in the desired language in the box on the right side.

Alternatively, you can upload (Copy and Paste) the document in the left side box. Google translator will not only TRANSLATE the document but also :

i) Detect the original language of the original document.

ii) Keep records of all your such documents translated so that you can archive the ORIGINAL DOCUMENTS at a future date so as to clarify any doubt or legality of the document translated.

If you like this post Share it amongst your friends by clicking Facebook Icon on the right bar which will prompt you to Sign In your Facebook account.

Fashion and Beauty - Monsoon Tips

noreply@blogger.com (Unknown) — Thu, 9 Jan 2020 21:53:00 -0800

Latest Monsoon trends in ladies footwear :

Her Highness to start with, monsoon footwear can really be fashionable. Unless you have a lot of chasing buses to do, a smart high-heeled shoe will work for you - anything that raises you a good 2-inches off the soaked street. Platforms keep you high and mighty, and stilettos stand tall, as long as they're not made of suede, the Lady In Waiting.

Even during the monsoons, when others trooped in, lugging water-logged boats on their feet, She tottered around in dainty strappy satin heels, her feet always looking freshly pedicured. Her secret was out when someone else noticed her walking in the earliest, in a pair of old boots. She'd get into office, push them into a bag at her feet, and pull out her dainties for the day. Not a bad idea, at all !!!!!!

Try these tips for healthy skin this monsoon.

1. Use a soap-free cleanser. Also, once in three days, scrub your skin with a gentle scrub to get rid of the dead cells.
2. This season, follow up with an alcohol-free toner as the increased humidity opens up the pores.
3. Make time for a face pack and body scrub, once a week (see next page).
4. Use a light lotion or serum. Look for lactic acid among the ingredients - it brightens up the skin.
5. Don't miss the sunscreen even if the day is cloudy. UV rays can penetrate the clouds.
6. Shun heavy makeup - you don't want raccoon eyes if caught in the rain.
7. Use water-proof makeup, if you must.
8. Opt for a light mousse, a matte compact or just a few drops of calamine lotion mixed with your moisturizer as a makeup base.
9. Drink lots of fluids Ensure your skin is well hydrated.

Mobile Number Portability - Customer guide for availing facility

noreply@blogger.com (Ashok Goyal M-9814915812) — Wed, 8 Jan 2020 23:38:00 -0800

Contact the new mobile service provider to whom you want to port your mobile number.
Obtain Customer Acquisition Form (CAF) & Porting Form.
Read the eligibility, probable reasons for porting rejection and other conditions carefully.
If eligible, fill up the CAF and Porting Form. For filling up of porting form you need a ‘Unique Porting Code’ (UPC)
To obtain UPC send SMS from the mobile number you want to port to the number ‘1900’ with text ‘PORT’ followed by space followed by your 10 digits mobile number you want to port. ( As pre-paid SMS is not permitted, in Jammu & Kashmir the subscriber has to dial ‘1900’ to get a UPC, the operator at ‘1900’ provide the UPC after verifying subscriber number with CLI. )
It may be noted that you will receive an auto-generated 8 digits UPC from the Donor operator. The first two characters of the UPC consist of ‘Alphabets’ and the remaining 6 digits will be numerical characters except zero. The UPC is valid for 15 days (30 days in case of J&K, NE & Assam Service Areas).
Submit the duly filled Porting Form and CAF along with requisite documentary proof to the mobile service provider.
If you are a postpaid subscriber, submit a paid copy of the last bill issued along with the Porting Form and CAF.
Obtain a new SIM card from the new service provider. ( Service provider may charge porting charge maximum up to Rs.19/- + GST) .

Internet Security - Official Websites of Banks in India - Important Links

noreply@blogger.com (Ashok Goyal M-9814915812) — Tue, 7 Jan 2020 21:28:00 -0800

For any individual, who relies on Net Banking transactions, it a matter of concern that the Bank's website is genuine or not. Though most of the Banks have installed Tools and Procedures like i) Image and Phrase selection of your choice, ii) OTP - one time Password, iii) Registration of third-party payee within the Bank, NEFT and RTGS and confirmation thereof through OTP.

Moreover one must see Lock sign for the security of the website and

check for signs below to know more about security :

Icon	What it means
	The site’s certificate is valid and its identity has been verified by a trusted third-party authority.
	The site has not provided the browser with a certificate. This is normal for regular HTTP sites (look for the icon in the address bar) because certificates are usually provided only if the site uses SSL.
	Google Chrome has detected problems with the site’s certificate. You should proceed with caution because the site may be pretending to be another site in order to trick you into sharing personal or other sensitive information with them.

Your connection to the site

Google Chrome lets you know whether your connection is fully encrypted. If your connection is insecure, third parties might be able to view or tamper with the information you provide on the site.

Icon	What it means
	Google Chrome has successfully established a secure connection with the site you’re viewing.
	Your connection to the site is not encrypted. This is normal for regular HTTP sites (look for the icon in the address bar).
	Your connection to the site is encrypted, but Google Chrome has detected mixed content on the page. Be careful if you’re entering information on this page. Mixed content can provide a loophole for someone to manipulate the page. This content could be third-party images or ads embedded on the page.
	Your connection to the site is encrypted, but Google Chrome has detected mixed scripting on the page. Be careful if you’re entering personal information on this page. Mixed scripting can provide a loophole for someone to take over the page. This content could be third-party scripts or videos embedded on the page. If you’re connected to the Internet via a public wireless network, mixed scripting is especially risky because wireless networks are easier to tamper with than wired networks.

For the benefit of our readers, we provide here under Links to Official Websites of Banks in India.

Introducer Not Liable For Frauds by Account Holder

noreply@blogger.com (Unknown) — Mon, 6 Jan 2020 00:36:00 -0800

In a significant judgment, the Supreme Court has held that an introducer, without other evidence, could not be held liable for a fraud played on the bank by an account holder.

Earlier, the introduction was a necessary and sufficient condition for opening an account. But following this judgment introduction will only be a necessary condition but not sufficient to open an account. As the introducer’s liability is now limited, banks, as part of the ‘know your customer’ norms, will have to conduct stringent background checks on prospective account holders.

Jamshedpur-based Manoranjan Das, a businessman having a current account in Central Bank, had introduced one Loknath Acharya to the bank on May 26, 1972, for the purpose of opening a similar account.

Acharya on October 30, 1972, presented three demand drafts - one for Rs 32,000, second for Rs 78,000 and the third for Rs 90,300. After presenting the demand drafts, he presented a self cheque of Rs 27,000 and withdrew the money. Little later, he presented another cheque of Rs 1,40,000 for withdrawal.

By now the bank manager became suspicious and on verification, it was found was out that all the three drafts were forged ones. But, by then the culprit had fled.

The bank filed a complaint with the police accusing Acharya and Das, who had introduced him, to have cheated the bank to the tune of Rs 27,000. And the trauma began for Das. He was embroiled in litigation for 32 years.

Das was convicted by a trial court for cheating and awarded a punishment of three years imprisonment. The High Court upheld the conviction but reduced the sentence to six months.

Allowing the appeal filed by Das, the Supreme Court said both the trial court and the High Court committed a serious error as Das had introduced Acharya to the bank only for opening an account and “that by itself does not spell out any fraud or cheating.”

Consult me for Credit Scores

DND (Do Not Disturb) Telecom Commercial Communications Customer Preference Regulations 2010

noreply@blogger.com (Ashok Goyal M-9814915812) — Sat, 4 Jan 2020 22:51:00 -0800

Customers- Customers (landline and mobile) who do not want to receive commercial communications can dial or SMS to 1909 (toll-free) and register in either of the two categories:

Fully Blocked Category- stoppage of all commercial Calls/SMS
.

Partially Blocked Category- stoppage of all commercial Calls/SMS except SMS from one of the opted preferences.

For registering option using SMS, for 'fully blocked category', write "START 0" and send it to 1909.

For 'partially blocked category',send SMS 'START' with one or multiple options from the list of seven categories.There are at present 7 preferences to choose from :

Banking/Insurance/Financial Products/Credit Cards-1,

Real Estate-2,

Education-3,

Health-4,

Consumer goods and automobiles-5,

Communication/Broadcasting/Entertainment/IT-6,

Tourism-7.

For example: To receive messages relating to only Health products, then send SMS "START 4" to 1909. Similarly, for receiving messages relating to Real Estate and Education, send SMS "START 2 or 3" to 1909.

On successful registration, the customer will receive an SMS confirming exercised options and a Unique Registration Number within 24 hrs. The registration will be effective within 7 days of placing the request with the service provider. The customers can check the status of their Registration Status Online. The customer can also change the preferences after 7 days of registration or the last change of preference. If the customer receives Unsolicited Commercial Communication (UCC) even after 7 days of registration, he can register a complaint with his service provider within 3 days of receipt of such UCC by dialing or sending SMS to 1909. Customers will have to provide the telephone number or header of the message from where the call or message has been received, short description of such call or message along with the date and time.

For complaint through SMS, the customer has to send SMS "COMP TEL NO XXXXXXXXXX; dd/mm/yy; Time in hh: mm; short description of Unsolicited Commercial Communication" to 1909. Where XXXXXXXXXX - is the telephone number or header of the SMS, from which the UCC has originated.

Service Provider will take action on the complaint and inform the complainant within 7 days of lodging of the complaint. Customers may check UCC Complaint Registration Status Online.

Consult Me for Credit Reports and Credit Scores

Senior Citizens - Helpline - Benefits - Single Window

noreply@blogger.com (Ashok Goyal M-9814915812) — Sat, 25 Jul 2015 23:38:00 -0700

Senior Citizens : Please spare few minutes to give your comments on the Blog content: How to lead a comfortable life style after retirement.

Govt. of India provides many benefits to the Senior Citizens, Like :Click on the Benefits and Details .

Neither Follow Nor Share - Social Networking - Virtual World

noreply@blogger.com (Ashok Goyal M-9814915812) — Tue, 21 Jul 2015 23:52:00 -0700

Modern World is the virtual world on the web. There is lot of classified and unclassified information on the web.All Social Networking Sites are spreading their wings and to spread a rumour, gossip and event - no effort is required .Governments all over the world are duty bound to protect their citizens from unwanted, illegal content which can spread haterdness sex,violence, or unauthenticated information which can harmful for Society. But can we stop it ?

Answer is big "NO" as the Governments all over the world do not have the Will Power to control Social Media, may it be any form. There seem to be no Law to restrict or discipline the Social Media so that future generations are not misled by content spreading on the web. Every Website, Blog showing any legal or illegal, violent or non-violent, porn videos or tutorial videos have the above social plugins and buttons displayed on their sites.

Tweet this, Like us on Facebook, Follow on Google+, Email this, Share this through hundreds of sharing gadgets like pintrest, stumble upon .But why the websites or blogs ask for Like Us, Follow Us and Share this and put in Social Plugins in such a way that one is prompted to or accidently clicks on Pop-in windows and once the content gets shared it gets multiplied geometrically as such sharing can be activated by audience in the age group 13+ and above.In my opinion we can protect the future generations from ill effects of the virtual world if we collectively follow the under noted guidelines:

Facebook

Facebook and all other Social NetWorking sites must not allow their Social Plugins to be installed on websites, blogs and videos displaying illegal content and content harmful to the Society. Moreover these social networking sites must not permit more than one Profile ID or Fake ID's .Even Google and Yahoo sites must not permit more than one Email ID and that too be also permitted after it gets verified from a genuine source of information (verifiable online) like Passport Number, Voter Card No., Social Security Number, Visa Credit Card Number, Unique ID Number, Permanent Income Tax Account Number, Driving License Number and above all through valid IP Address of the PC/Laptop/Mobile Connection duly verifiable and registered in the name of the Individual who is creating the ID.Now the question is that,we , as a civilized society will like the under privileged also to be a part of modernized developed world. How can be achieve it .The social networking sites or Google and Yahoo like services providing email ID's can ask the New Profile ID seekers to provide a reference of existing verified Email ID to whom email may be sent for verification and after verification only the new Profile ID may be allowed to be created/activated. When a person is asking for a Google/Facebook/Yahoo Profile - I think he or she must be having at least one friend or family member who can vouch for his/her antecedents.

It is never too late to start a noble idea to protect the future generations from ill effects of Virtual World and the Governments world over need to show their will power by bringing about changes through legislative measures as CyberCrime and online Impersonation will be biggest challenge in the near future.

Above all - ask one question to yourself - while clicking Like Us, Follow Us, on Facebook, Google Circles, Tweet this, Retweet this, if the site and the author of the article is a verified Google Author and has passed through all the litmus tests to get verified. You may not have any valid reason and you can not track the future personality of the Person or reliability of the website and your liking and following will make the person or website popular among your Google/Yahoo Circles and Facebook friends. Even if they change the content of the website or authored article, your Liking will remain in tact though you may not like the changes made. How can we deal with this situation? First of all the Social Plug ins and buttons when clicked must prompt the visitor for "Reasons for Liking/Following - predefined reasons or Others." and also ask for "Expiry Date or Permanent Liking" of such liking or following as Liking/tastes/followings go on changing over a period of time. All such Social Plugins and buttons must have Expiry Date -I,mean to say that in case the person who initially liked/followed/shared/tweeted an individual's philosophy or a product or a website/video - if that very person does not make any contact with the individual/Product/Website/Video/Place/Service Center - the analytic's and statistics of Number of Likes, Google Followers must get automatically reduced so as to depict the true statistics of Likes/Followers in the current situation. These steps will reduce the incidence of misleading audience i.e. the virtual word.

Note : This article was written by the author on 06th of November 2012 but and Facebook and Social Networks have started thinking on the same lines as about a month back when the author forgot the password to sign in Facebook account, the Facebook asked to get the email verified through a friend's email. This post is being updated by the author today on 10th of Nov.,2014 as the author is of the considered opinion that later or sooner national governments all over the world will ensure that social networks do not become the rulers on the web and they check national ID's of their users. There is no harm in doing so. Let us make the world to adopt the policy to Speak Truth and Forget so that the world wide web becomes more and more reliable. In my opinion the statistics of liking should be reversed if the person, who liked, does not revisit the article, page or website. Moreover social networks and search engines should also downgrade the Page Rank of the websites who provide Paid Services for buying the "Number of Likes" as I am flooded with mails asking me utilize their services for Paid Up Likes on Google+, Facebook and other social networks for petty amounts say just 50 $s for 10000 facebook likes.

Right to Information - How to keep check on EMI of Loans

noreply@blogger.com (Ashok Goyal M-9814915812) — Tue, 21 Jul 2015 22:54:00 -0700

Are You worried about EMI after having paid all Equated Monthly Installments of Bank Loans: Even after regular repayment of personal loans, vehicle loans, consumer loans, home loans and educational loans the banks and lending institutions inform the borrower that their loan is still outstanding even after full term of repayment. The borrowers get confused and are not in a position to reconcile. This articles explains the reasons for the confusion of the borrowers on the one side and recovery machinery of the banks on the other side. Read Full article...

EPS AND EPF - Main Social Security Schemes

noreply@blogger.com (Unknown) — Tue, 21 Jul 2015 22:15:00 -0700

FOR PUBLIC/PRIVATE SECTOR EMPLOYEES IN INDIA

The Constitution of India under "Directive Principles of State Policy" provides that the State shall , within the limits of its economic capacity, make effective provision for securing the right to work, to education and to public assistance in cases of unemployment, old-age, sickness & disablement and undeserved want. The EPF & MP Act, 1952 was enacted by Parliament and came into force with effect from 4th March,1952. A series of legislative interventions were made in this direction, including the Employees' Provident Funds and Miscellaneous Provisions Act, 1952. Presently, EPS 1995 SCHEME and the EPF SCHEME 1952 are in operation under the Act:

All the Public/Private Sector employees ,employed not before the commencement of the above schemes, are advised as under :

To keep a track of their EPF contributions along with EPS contributions.
Never to withdraw their EPF contributions when they change employment.
PF account balance of old employer must be got clubbed with the PF account of new employer so as to retain the EPS account for optimization of the receivable pension at the time of superannuation/retirement .
Maintain your own MIRROR ACCOUNT for EPF and EPS contributions as small missing credits can have a multiplier effect on the Final PF Balance and receivable PENSION.

Cash Less Corruption Free Society - Demonetization of Currency

noreply@blogger.com (Ashok Goyal M-9814915812) — Tue, 21 Jul 2015 00:19:00 -0700

Tax Evasion in India

In my earlier articles also I have been impressing upon the need for a Cash Less Society to weed out Corruption from India. The GOI needs strong will Power to go in for Demonetization of Currency as Money Supply has grown to a dangerous level and if not checked - it can be disastrous for the Indian Economy in the long run.

Demonetization of Currency (Last carried out by Late Sh.Morarji Desai the then Prime Minister of India in 1977-78) along with Cash transaction Less Society will yield the following benefits :

Expenditure on Printing and Minting of Currency will be reduced to negligible whereas GOI is spending huge budget for import of paper,ink and technology for Security Printing Press in India.
Counterfeit Currency is a big challenge for any economy as it increases the money supply without any addition to Gross Domestic Product or National Income and fuels inflation.Govt. has to make huge expenditure on detection and confiscation (by law enforcing agencies like Police, CBI and EOW of the State Governments) of the Counterfeit Currency .By demonetizing Currency - we will not only be able to check infiltration of fake currency but the Black Money will also come out and can be ploughed back in the Indian Economic System.
Only after we demonetize currency - we can arrive at the True Figure of Money Supply in India the biggest source of inflation. As we are not aware of the True figures of money supply - all our efforts ,economic policies yield no results as we are neither able to judge the strength of the Indian Rupee (INR) nor able to frame reliable Fiscal Policy as Black Money in the shape of Cash is also multiplying.

How can we achieve it in India - when we are struggling with Poverty, unemployment, Uncontrolled Inflation, Shelter, Education, Health ,Social
Security and our Leaders are not finding ways and means come out of the vicious circles of the economy.

Vicious Circles

India is not devoid of Leaders like Indira Gandhi, who had the courage to nationalize the Banking Industry in India in 1969 and a second dose of nationalization of 6 more commercial banks followed in 1980. The stated reason for the nationalization was to give the government more control of credit delivery to the Priority Sector as Private Banks used to look after the interests of Capitalists and ignored the masses and the downtrodden. With the second dose of nationalization, the Government of India controlled around 91% of the banking business of India. Now question is - whether it does not hold good even today.What is the role of the Banks - to regulate flow of surplus credit - from individuals, regions, sectors to deficient individuals, regions and sectors so that there are no economic imbalance within the society.

Anyhow - I am a bit distracted from my motive "How can we achieve it in India" as you will appreciate that Economics is a Complex Subject and it will remain Complex even for the future generations as Human Necessities will go on changing with the passage of time. "Luxury" of today may become "Necessity" of the Future.
When India can achieve the feat of "Mobile in Every Hand" why cant we achieve that every Indian has a Bank Account from the date of birth itself linked to the Unique Identification Number to be issued along with the Birth Certificate.
Every Indian's UCIC (Proposed by RBI) w.e.f. 01-04-13 needs to be linked with UID and for all financial transactions inter transfer of funds between the UID's can be a reality through Mobile/ATM networking.
Once we achieve the dream of "Cash Less Society"; as hard, easy, fake and unaccounted cash is the generator of all evils economic offenses including terrorism and main hurdle in the economic growth of a country ; we can think of the Basics to improve economic condition of a Nation like India.
Basics , I mean, is utilization of Resources in any shape - Vast Land for developing Agriculture, Underground resources for Infrastructure, Water Resources . India is not deficient in raw sources but we lack the capability to manage resources which are in plenty. What to talk of natural resources - we are not even able to utilize our Vast Manpower resources - which if channelized can create Wonders in Industrialization, Agriculture and above all SELF DEPENDENCE to demonstrate to the world that India is still a Golden Sparrow.

Unclaimed Deposits/ Inoperative Accounts in Banks - Display list of Inoperative Accounts

noreply@blogger.com (Unknown) — Tue, 21 Jul 2015 00:03:00 -0700

One Para of our Previous Posts , reads as under : Keeping in view public interest, it had been decided that banks should, in addition to the instructions contained in the above mentioned circular, play a more pro-active role in finding the whereabouts of the account holders of unclaimed deposits/ inoperative accounts. Banks are, therefore, advised that they should display the list of unclaimed deposits/inoperative accounts which are inactive / inoperative for ten years or more on their respective websites. The list so displayed on the websites must contain only the names of the account holder(s) and his/her address in respect of unclaimed deposits/inoperative accounts

Now Some of the Bank Like Andhra Bank have started the Facility and in case your Bank has not acted upon RBI's advice, one can approach the regulatory body to press upon the Bank to implement the RBI guidelines

Do you know that when we see website addresses like www.pnbindia.in or www.licindia.in ,the world (in ) refers to the Country Code.

How to Claim Ownership for owned Web Content

noreply@blogger.com (Ashok Goyal M-9814915812) — Wed, 1 Jul 2015 19:54:00 -0700

The virtual world that world wide web is full of classified and unclassified information owned by genuine verified author's writing the reliable information and self styled authors who write anything on the web without owning responsibility despite the usual disclaimer clause which has become a fashion on the web as even the Bankers and Multinational companies of repute will not claim any responsibility and liability on account of web content. This article explains as to How to Claim Ownership for Owned Web Content so the public on the web can differentiate between genuine and self styled authors.

Guide for Foreign Tourists - Travelling to Incredible India

noreply@blogger.com (Ashok Goyal M-9814915812) — Mon, 10 Nov 2014 23:53:00 -0800

The author, has tried to put forward the precise Tourist Visa requirements for foreigners travelling India and Tourist Visa on Arrival scheme by Government of India in the shape of Tourist Guide below. Though it is not a substitute for official guidelines yet one can know the guidelines at a glance as a short note.

Tourist Guide for Foreign Tourists visiting India.

Rajesh Khanna Kishore Kumar Hits

noreply@blogger.com (Unknown) — Mon, 10 Nov 2014 23:46:00 -0800

Housing Loans - Loan against House and Property udner SARFAESI Act

noreply@blogger.com (Unknown) — Mon, 10 Nov 2014 22:10:00 -0800

Your Trust - Our Inspiration

When anyone applies for a Loan to the Bank of FI, CREDIT RATING FOR LOAN APPROVALS BY BANKS AND FI'S is verified by the Bank's and FI's .Similarly verification of Immoveable properties is also investigated/verified/checked by the Bank's or FI's from CERSAI. Even while purchasing any property, the purchaser must enquire about the property from CERSAI records to SAFEGAURD against any fraudlent sale without revealing that the property is charged/mortgaged with any Bank/FI's.As per CERSAI rules any person can also search and inspect the records maintained by the Registry on payment of fees prescribed under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (Central Registry) Rules, 2011.

CERSAI: Central Registry of Securitisation Asset Reconstruction and Security Interest of India is a company licensed under section 25 of the Companies Act, 1956 and registered by the Registrar of Companies, New Delhi.

The Company is a Government Company with a shareholding of 51% by the Central Government and select Public Sector Banks and the National Housing Bank are also shareholders of the Company.

The object of the company is to maintain and operate a Registration System for the purpose of registration of transactions of securitisation, asset reconstruction of financial assets and creation of security interest over property, as contemplated under Chapter IV of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002. (SARFAESI Act).

The Registration would be applicable to transactions of security interest over property created to secure loans and advances from the banks and financial institutions as defined under the SARFAESI Act.

The Company is providing the platform for filing registrations of transactions of securitisation, asset reconstruction and security interest by the banks and financial institutions.

Any person can also search and inspect the records maintained by the Registry on payment of fees prescribed under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (Central Registry) Rules, 2011.

By: Ashok Goyal

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Speak Truth and Forget - My Quotable Quote

noreply@blogger.com (Ashok Goyal M-9814915812) — Mon, 10 Nov 2014 22:09:00 -0800

By: Ashok Goyal

We are living a modern world with more and more challenges of life. Mutual Trust is eroding day by day. Due to inter connectivity we are interacting with more and more people in the virtual world of social networks. Mobiles and internet has made it possible for us to contact any individual. It is my experience that mobile and internet communications are being used as a source of cheating of telling lies while communicating without fear of being recorded, getting traced by locations of I.P. addresses of devices used. If you are to make any recovery from your debtor then it is very difficult to contact the person as either he will not pick up the mobile or give a false reply. We need to spread a culture based upon truthfulness as the modern technology can catch you immediately if you are telling a lie. Why in today's modern world there is need of more CCTV's, Recordings, I.P.Addresses? It is all due to increase in crimes and downgraded social values.

Most of the educated younger generation, aware of all the consequences, is becoming straight forward and true. It is a welcome change. While communicating when you speak or write truth, you need not remember your words as what you said or wrote. If you are true from the core of your heart then nothing can frighten you and you will feel fearless. But never speak such a truth which can cause hurt to others. If we call a physically handicapped person as blind or lame then it is definitely to cause hurt. No one can escape telling a lie at a moment of time as even Yudhisthira had to tell a lie during the Mahabharata. While editing and publishing this article I am telling a lie. Can you smell out what it is? It is the location of this writing as New Delhi instead of my actual location that is Rajpura Punjab India. This is not going to harm any body in anyways. Why arose the need to tell a lie. Number one - it is the virtual world and here you are driven by search engines and key words and to find a favor with search engines is called a trick. The blogger platform allows you to blog without your actual location and it will show your location as India as your default location. I used to use my actual location but this will not find favor with search engines and that is why I changed it to California, USA to find favors with search engines by targeting audiences in USA. Do you still feel that I am telling a lie? if yes send your comments. I don't like to be liked, shared or followed on the web.

Based upon the philosophy that one need not remember his utterances/writings if the same are true I have chosen "Speak Truth and Forget" as my quotable quote with my published work. Follow if you have the similar thinking and ideology.

Milestone No.1 Success Story Web Question Answers

noreply@blogger.com (Unknown) — Mon, 10 Nov 2014 22:05:00 -0800

Your Trust - Our Inspiration

Milestone No.1

We started our Journey on the Web on 24th July,2012 under the Name and Style Web Question Answers .We never thought that we will be able to develop without knowing even ABC of web but with more than 35 years experience ,we never got disappointed. We learnt Tricks and Tips from persons already on the web and got the overwhelming response from Google and Blogger. Due to our domain knowledge blended with technical guidance available on the web ,Now we are in position to face the challenge and provide Unique content on our site for the welfare of the Public in General .During the last one month we worked day and night and our site got the approval from the Google. We have assured Google that we will not do anything which is against their laid down policies. We are proud of being associated with Google. We faced many difficulties to achieve our Milestone No.1 - that is Google approval and registration of our domain name .

We will be sharing our practical experience under "Blogger Tips" and many other platforms so that New Comers can achieve the same excellence in a week's time for which we prepared ourselves for the last about four months. One thing we would like to share is that sites can be got prepared from Professionals and Technocrats but building a personal website individually by personal efforts is an experience in itself. When one becomes well conversant with the intricacies of web designing and publishing through practical approach - he or she can command even on the professional designers .Start dreaming right now - We are with you - We shall be guiding you through the whole process. We have provided links in the article which will help you to understand the intricacies of web designing.

Rail Radar - Map Your Train Live on Google Maps

noreply@blogger.com (Ashok Goyal M-9814915812) — Mon, 10 Nov 2014 21:38:00 -0800

Indian Railways Launched Rail Radar which enables the commuters to know the location of a train on a map and visualize the running-train network on Google maps. The Center for Railway Information Systems(CRIS), the information technology (IT) arm of the Indian Railways has developed the application.This is an improved version of the earlier tracking system "Spot Your Train."

The interactive map can zoom in and zoom out to get station and train details. Users can search for a particular station or train to get specific details of trains around the station or running status of a train, location, its route and stoppages. Rail Radar also gives an overview on trains running on time as well as status of delayed trains. In case of a mishap/unplanned activity, Rail Radar would be able to provide users with an overview of situation and train status across the country.Currently, Rail Radar is configured to update/refresh itself every five minutes, which means that in any scenario, the location and status of the trains displayed on Rail Radar will always be five or more minutes delayed.

Happy Journey to all Tourists planning to visit My India.

BCSBI - Helpline for your Financial Problems - Bank Defaulters

noreply@blogger.com (Ashok Goyal M-9814915812) — Mon, 10 Nov 2014 21:35:00 -0800

Credit Counselling Scheme of the Banking Codes and Standards Board of India.

• Coverage: Credit Counselling will be provided only to the borrowers of member banks in the retail segment e.g. personal loam/vehicle loan/home loan/Credit Card and MSE sector whose credit exposure does not exceed Rs. 50 lakh.

• Procedure: Borrowers in distress and seeking credit counselling may directly apply to BCSBI in the prescribed application form. Member banks may also encourage borrowers whose loan accounts are in default and who, in their opinion, need credit counselling to approach BCSBI.

- If the applicant’s case requires debt restructuring, the Counsellor will

formulate a debt restructuring plan in consultation with the concerned bank(s).

- It is not obligatory for a bank to accept the debt restructuring plan drawn by the Counsellor and the concerned bank is free to accept the solution in full or with modifications.
• Charges: The credit counselling services are free of charge.

• Confidentiality: Credit Counsellors will maintain confidentiality of the information received from member banks/borrowers. Member banks need to assure their borrowers on this to encourage them to avail of the credit counselling services.

• Coordination: In order to ensure that there is co-ordination between Credit Counsellors and the banks and also to ensure that the objectives of the Credit Counselling are met with speed and efficiency, each member bank will identify a Nodal Officer, preferably from the Credit Department.

• Location and Address: Counselling services will be available between 10.00 AM to 5.30 PM from Monday to Friday at the above address.

What should a customer do if his bank does not provide services as promised in the Code?

Every Member bank is required to:

Have a Help desk/Helpline at the branch
Have a Code Compliance officer at each Controlling office above the level of the branch.
Display at each branch name and contact number of Code Compliance Officer.
Display Name and address of the Banking Ombudsman.

This is to help the customer in case his bank does not provide services as promised in the Code.

The customer should first approach the help desk of the branch/bank. In case the issue is not resolved, the Code Compliance Officer of the bank may be approached by the complainant. In case the issue is still not resolved to the satisfaction of the customer he should take it up with the Banking Ombudsman .

Contact Addresses of BCSBI:

Reserve Bank of India Building,
C-7, 4 th Floor,
Bandra Kurla Complex,
Mumbai - 400 051.
Ph. No. 022 - 26573715, 26573724.
Fax No. 022 - 26573719.
Website address: www.bcsbi.org.in
Helpdesk : help.bcsbi@rbi.org.in

Global adsense revenue share program at HubPages

noreply@blogger.com (Ashok Goyal M-9814915812) — Mon, 10 Nov 2014 21:11:00 -0800

What is HubPages:

By: Ashok Goyal

HubPages is an open publishing platform for authors, writers who have a passion for sharing of knowledge, pictures and videos. HubPages provides an opportunity to seek answers for the questions coming to mind and sharing knowledge by answering questions asked by others. This is a global open forum discussion platform providing in built infrastructure to present your articles in the most beautiful form. It is a family of about 150000 publishers from all over the globe with more than 11 million knowledge articles called Hubs.

Can I earn from HubPage:

Yes, there are many adsense revenue sharing sites like IndiaStudyChannel, Techulator, IndiaReviewChannel, PunjabSpider, DotNetSpider but these sites are popular in there geographical locations whereas Hub Pages is a Global Google Adsense Revenue Sharing site with so many features in addition to adsense revenue sharing in the ratio of 60:40. In addition to Google Adsense one can earn through other programs like:

HubPages Ad Program
HubPages eBay Program
HubPages Amazon Program

One can MakeMoney on HubPages, if he/she has spare time of 2-3 hours per day or on week days and knows to edit articles, on subjects of his/her knowledge and interest – which will fit in one or the other featured topics at HubPages, in word document.

How can I when I do not know HTML designing:

You need not worry about as HubPages provides the tools and learning the techniques which are very simple and can be followed easily. One can learn everything via:

· Hub Tool

· Learning Center

What are you thinking? Get a KickStart to your respectable way of earning online and reach the Global Audience. If still in doubt, feel free to clarify either through comments at the end of this post or meet you in the Forum Discussion at HubPages.

Pensioners Helpline for Senior Citizens

noreply@blogger.com (Ashok Goyal M-9814915812) — Mon, 10 Nov 2014 21:02:00 -0800

Your Trust - Our Inspiration

KNOW YOUR RETIREMENT BENEFITS

I am providing below the important links about certain important issues concerning you immediately before retirement :

COMMUTATION VALUE OF PENSION OF Rs.1-00 TABLE (1)

Page is under updation and all benefits available to Senior Citizens will be available here.