Medical Help

Medical help given by A H Wadia Trust

2015-05-13T15:42:00.001-07:00

Hon. Trustee,
A H Wadia Trust,
Templebar Bldg.,
3rd Fl., Opp. Jahangir Art Gallery,
Above Khyber Hotel,
M G Rd., Fort, 400001

22673234

Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY)

2014-07-10T16:10:00.001-07:00

मराठी | English

Scheme Details :

OBJECTIVE: To improve access of Below Poverty Line (BPL) and Above Poverty Line (APL) families (excluding White Card Holders as defined by Civil Supplies Department) to quality medical care for identified speciality services requiring hospitalization for surgeries and therapies or consultations through an identified Network of health care providers
SCHEME: Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) would be implemented throughout the state of Maharashtra in phased manner for a period of 3 years.The insurance policy/coverage under the RGJAY for the eligible beneficiary families in 8 districts: Gadchiroli, Amravati, Nanded, Sholapur, Dhule, Raigad, Mumbai and Suburbs
BENEFITS: scheme would provide 972 surgeries/therapies/procedures along with121 follow up packages in following 30 identified specialized categories:

1	GENERAL SURGERY
2	ENT SURGERY
3	OPHTHALMOLOGY SURGERY
4	GYNAECOLOGY AND OBSTETRICS SURGERY
5	ORTHOPEDIC SURGERY AND PROCEDURES
6	SURGICAL GASTRO ENTEROLOGY
7	CARDIAC AND CARDIOTHORACIC SURGERY
8	PEDIATRIC SURGERY
9	GENITOURINARY SYSTEM
10	NEUROSURGERY
11	SURGICAL ONCOLOGY
12	MEDICAL ONCOLOGY
13	RADIATION ONCOLOGY
14	PLASTIC SURGERY
15	BURNS
16	POLY TRAUMA
17	PROSTHESES
18	CRITICAL CARE
19	GENERAL MEDICINE
20	INFECTIOUS DISEASES
21	PEDIATRICS MEDICAL MANAGEMENT
22	CARDIOLOGY
23	NEPHROLOGY
24	NEUROLOGY
25	PULMONOLOGY
26	DERMATOLOGY
27	RHEUMATOLOGY
28	ENDOCRINOLOGY
29	GASTROENTEROLOGY
30	INTERVENTIONAL RADIOLOGY

BENEFICIARY FAMILIES: holding yellow ration card, Antyodaya Anna Yojana card (AAY), Annapurna card and orange ration card from eight districts viz. Gadchiroli, Amravati, Nanded, Sholapur, Dhule, Raigad, Mumbai city and Suburban Mumbai. The families with white ration card holding would not be covered under the scheme. The beneficiary families would be identified through the “ Rajiv Gandhi Jeevandayee Health Card ” issued by the Government of Maharashtra or based on the Yellow and Orange ration card issued by Civil Supplies Department.
HEALTH CARDS: eligible families in these districts shall be provided with Rajiv Gandhi Jeevandayee Arogya Yojana Health Cards in due course of time. This Health Cards will be used for identification of Beneficiary families in the family under the Scheme. Family Health Cards will be prepared by using data from valid Yellow or orange ration cards coupled with Aadhaar numbers issued by UID authorities. As an interim measure till the issuance of health cards, the valid Orange/Yellow Ration Card with Aadhaar number or in case Aadhaar number not available, any Photo ID card of beneficiary issued by Govt. agencies (Driving License, Election ID,) to correlate the patient name and photograph would be accepted in lieu of health card.
FAMILY: Family means members as listed on the Rajiv Gandhi Jeevandayee Arogya Yojana Health Cards or holding valid Orange/Yellow Ration Card.
IDENTIFICATION: Health card issued by Govt. of Maharashtra/Rajiv Gandhi Jeevandayee Arogya Yojana Society or valid Orange/Yellow Ration Card with Aadhaar number if Health card is not issued would act as a tool for beneficiary identification for availing the health insurance facility. The following actions would be undertaken by Network hospitals in case of the possible exceptional situations:

Situation	Validations / Check
No Health Card with beneficiary, but Valid Yellow or Orange Ration Card with name of beneficiary is available Aadhaar	Aadhaar number and in case Aadhaar number not taken any Photo Health Card issued by Govt. (Driving license, election identity card with photograph, school ID, certificate issued by authorized office.) to correlate the patient name & photograph (In instance of emergency admission, provisional preauthorization may be given subject to confirmation of it against submission of valid photo identity card issued by Govt. before discharge.)
Children born after issue of card i.e. name and photo not available on health card or on valid yellow/Orange ration card	Photograph of child with either parent along with Health card/ valid Yellow or Orange ration card of parent and Birth certificate issued by authorized office.

PRE EXISTING DISEASES: All Diseases under the proposed scheme shall be covered from day one. A person suffering from disease prior to the inception of the policy shall also be covered under approved procedures for that disease
SUM INSURED ON FLOATER BASIS & PERIOD OF INSURANCE: The Scheme shall provide coverage for meeting all expenses relating to hospitalization of beneficiary up to Rs. 1, 50,000/- per family per year in any of the Empanelled Hospital subject to Package Rates on cashless basis through Health cards or valid Orange/Yellow Ration Card. The benefit shall be available to each and every member of the family on floater basis i.e. the total annual coverage of Rs. 1.5 lakh can be availed by one individual or collectively by all members of the family. In case of renal transplant surgery, the immunosuppressive therapy is required for a period of 1 year. So the upper ceiling for Renal Transplant would be Rs. 2, 50,000 per operation as an exceptional package exclusively for this procedure. The cases are likely to be very few and well controlled by Human Organ Transplant Act 1994. The claims related to this have to be settled by Insurer. The insurance coverage under the scheme for the beneficiary families shall be in force for an initial period of one year from the date of commencement of the policy
RUN OFF PERIOD: A “ Run Off period ” of one month will be allowed after the expiry of the policy period i.e. till one month after the date of policy period for 8 districts Phase-I. This means that pre-authorizations can be done till the end of policy period and surgeries for such pre-authorizations can be done up to one month after the expiry of policy period and such claim will be honored by the Insurance Company
PACKAGE: The insurer should ensure that the Network hospitals follow the packages worked out by Rajiv Gandhi Jeevandayee Society. The package rates will include bed charges in General ward, Nursing and boarding charges, Surgeons, Anesthetists, Medical Practitioner, Consultants fees, Anesthesia, Blood, Oxygen, O.T. Charges, Cost of Surgical Appliances, Medicines and Drugs, Cost of Prosthetic Devices, implants, X-Ray and Diagnostic Tests, food to inpatient, one time transport cost by State Transport or second class rail fare (from Hospital to residence of patient only) etc. In other words the package should cover the entire cost of treatment of patient from date of reporting to his discharge from hospital including complications if any, making the transaction truly cashless to the patient. In instance of death, the carriage of dead body from network hospital to the village/township would also be part of package. The planned procedures like hernia, vaginal or abdominal hysterectomy, appendicectomy, cholecystectomy, Discectomy, etc. would preferably be performed in empaneled public hospitals, subject to service availability therein. The rates for each procedure are indicative and represent upper ceiling and the Insurer may negotiate with the given empanelled hospitals to bring them down amicably without compromising quality.
CASHLESS TRANSACTION: It is envisaged that for each hospitalization the transaction shall be cashless for covered procedures. Enrolled beneficiary will go to hospital and come out without making payment to the hospital subject to procedure covered under the scheme. When the beneficiary visits the selected network hospital and services of selected network hospital should be made available (Subject to availability of beds). In instance of non- availability of beds at network hospital, the facility of cross referral to nearest another Network hospital is to be made available and Arogyamitra will also provide the beneficiary with the list of nearby network hospitals.
ONLINE CLAIM SETTLEMENT: The Insurance Company shall settle the claims of the hospitals online within 7 working days of receipt of the Originals bills, Diagnostics reports, Case sheet, Satisfaction letter from patient, Discharge Summary duly signed by the doctor, acknowledgement of payments of transportation cost and other relevant documents to Insurer for settlement of the claim. The online progress of claim settlement will be scrutinized and reviewed by Rajiv Gandhi Jeevandayee Arogya Yojana Society.
Steps for Treatment in the Network Hospital
STEP 01: Beneficiary families shall approach nearby PHC/Rural, Sub district, General, Women/District Hospital/Network Hospital .Arogyamitra placed in the above hospitals shall facilitate the beneficiary. If beneficiary visits Government Health Facility other than the Network Hospital, he/she will be given a referral card to the Network Hospital with preliminary diagnosis by the doctors. The Beneficiary may also attend the Health Camps being conducted by the Network Hospital in the Villages and can get that referral card based on the diagnosis. The information on the outpatient and referred cases in the PHC/Rural, Sub district, General, Women/DH and the camps will be collected from all Arogyamitra /Hospitals on regular basis and captured in the dedicated database through a well-established call center
STEP 02: The Arogyamitra at the Network Hospital examine the referral card and health card or Yellow/Orange Ration Card, register the patients and facilitate the beneficiary to undergo specialist consultation, preliminary diagnosis, basic tests and admission process. The information like admission notes, test done will be captured in the dedicated database by the Medical Coordinator of the Network Hospital as per the requirement of the Rajiv Gandhi Jeevandayee Arogya Yojana Society.
STEP 03: The Network Hospital, based on the diagnosis, admits the patient and sends E-preauthorization request to the insurer, same can be reviewed by Rajiv Gandhi Jeevandayee Arogya Yojana Society.
STEP 04: Recognized Medical Specialists of the Insurer and Rajiv Gandhi Jeevandayee Arogya Yojana Society examine the preauthorization request and approve preauthorization, if, all the conditions are satisfied. This will be done within 12 working hours and immediately in case of emergency wherein e-preauthorization is marked as “ EM ” . The validity of preauthorization would be for 7 days.
STEP 05: The Network Hospital extends cashless treatment and surgery to the beneficiary. The Postoperative notes of the Network Hospitals will be updated on the website by the medical coordinator of the Network Hospital
STEP 06: Network Hospital after performing the covered surgery/ therapy/ procedure forwards the Originals bills, Diagnostics reports, Case sheet, Satisfaction letter from patient, Discharge Summary duly signed by the doctor, acknowledgement of payments of transportation cost and other relevant documents to Insurer for settlement of the claim. The Discharge Summary and follow-up details will be part of the Rajiv Gandhi Jeevandayee Arogya Yojana Society portal.
STEP 07: Insurer scrutinizes the bills and gives approval for the sanction of the bill and shall make the payment within agreed period as per agreed package rates. The claim settlement module along with electronic clearance and payment gateway will be part of the workflow in Rajiv Gandhi Jeevandayee Arogya Yojana Society portal and will be operated by the Insurer. The reports will be available for scrutiny on the Rajiv Gandhi Jeevandayee Arogya Yojana Society login.
STEP 08 : The Network Hospital will provide free follow-up consultation, diagnostics, and medicines under the scheme up to 10 days from the date of discharge.
HEALTH CAMPS: Health Camps are to be conducted in Taluka Head Quarters, Major Gram Panchayat and Municipalities. Minimum of one camp per week per empanelled hospital has to be held in the eight districts in the policy year. The insurer shall ensure that at least one free medical camp is conducted by each network hospital per week at the place suggested by Rajiv Gandhi Jeevandayee Arogya Yojana Society. The Rajiv Gandhi Jeevandayee Medical Camp Coordinator MCCOs of the hospital shall coordinate the entire activity. Network hospital shall carry necessary screening equipment along with specialists (as suggested by the Rajiv Gandhi Jeevandayee Arogya Yojana Society) and other Para-medical staff. The Insurer shall put in the minimum requirements as regards the health camp in the MOU with the hospitals. The empanelled hospital shall work in close liaison with district coordinator of the Insurance Company, Civil Surgeon/District Health Officer in consultation with District Collector. Hospital shall follow the Camp policy of Rajiv Gandhi Jeevandayee Arogya Yojana Society.

Financial help for medical treatment from Siddhivinayak Temple

2013-06-24T02:55:00.001-07:00

Financial help for medical treatment from Siddhivinayak Temple

Mon Jun 24, 2013 2:30 am (PDT) . Posted by:

"karmayog - tanya"

http://www.siddhivinayak.org/index.asp

The website of the Siddhivinayak Temple has a form that can be filled and
submitted to apply for support for medical treatment.

A maximum amount of Rs.25,000 per patient is available under this scheme.

Download the form from the "Forms and Tenders" section of the website.

The same section also has a form for institutions / NGOs to apply for
financial assistance.

To Contact Shree Siddhivinayak Ganapati Temple Trust, please contact the
following Person:
Mr. Mangesh Shinde (EO)
Office Address: Shree Siddhivinayak Ganapati Temple Trust, Prabhadevi,
Mumbai 400 028
Tel.: +91-022-24373626
Fax :+91-022-2422 1558
Email : eo@siddhivinayak.org

Mr. Subhash Vitthal Mayekar (Chairman)
Office Address: Shree Siddhivinayak Ganapati Temple Trust, Prabhadevi,
Mumbai 400 028
Tel.: +91-022-24373626
Fax :+91-022-2422 1558
Email : chairman@siddhivinayak.org
Shree Siddhivinayak Temple e-mail Address:
svt@vsnl.com
info@siddhivinayak.org
admin@siddhivinayak.org

Home away from home for cancer patients

2012-06-21T09:25:00.000-07:00

Home away from home for cancer patients

Ranjani Rajendra, TNN Dec 28, 2008, 03.22am IST

MUMBAI: Shyamal Mandal wanted to do everything in his power to cure his only daughter of cancer. But exorbitant accommodation prices in the city proved to be a major deterrent.

Mandal was devastated when his only daughter, Tinku, was diagnosed with cancer two years ago. A farmer from Durgapur in West Bengal, Mandal was advised to bring Tinku to Mumbai for treatment. Although treatment at Tata Memorial Hospital came as a boon for the family, the high cost of living in the city only added to Mandal's woes.

"I had to sell my land back home to fund the trip to Mumbai. Initially, I had taken up a room at Rs 5,000 per month, but it was too expensive to continue there. At one time, I could not even afford a meal,'' said Mandal who had almost given up on continuing the treatment due to the lack of funds.

It was then that Tata Memorial Hospital authorities referred him to the St Jude India Childcare Centre, an organisation that provides a home away from home for people travelling to Mumbai for cancer treatment. Patients are provided free accommodation for as long as they need to stay in the city for treatment.

While St Jude caters specifically to children, there are many other such centres across the city providing either free accommodation or charging a nominal fee to patients coming from other cities. One such home is the Sant Gadge Maharaj Dharamshala in Dadar. Founded in 1985, this is one of the oldest centres for cancer patients. With 100 rooms, it houses 600 cancer patients, including their attendants. While the accommodation at the dormitory is available at Rs 10 per day for both the patient and attendant, a private room costs a nominal Rs 15. Patients can also buy a thali for Rs 3, or for those who cannot afford even that, it is given free.

The Tata Memorial Hospital runs the Dr Ernest Borges Memorial Home in Bandra that houses over 130 patients. While at places like the Borges home and the dharamshala, patients and their attendants are taught to decorate diyas, make rakhis and do embroidery, at the Bharat Sevashram Sangh in Vashi Gaon, the male attendants are allowed to help in gardening and other such activities at a daily wage of Rs 100.

Every centre has its own criteria for providing accommodation to the needy. "The families are referred to us by the Tata hospital. The basic criterion for providing them with accommodation is that the children have a chance of survival and come from a poor economic background,'' said Nihal Kaviratne, founder of St Jude.

While at all these centres, a majority of the patients are those undergoing treatment at the Tata hospital, the dharamshala and Bharat Sevashram also house those undergoing treatment at hospitals like Hinduja and Jaslok. "However, they are few as most of those seeking accommodation with us come from extremely poor backgrounds,'' said Prashant Deshmukh, manager at the dharamshala.

Instead of wasteful religious expenses one can form such a nice foundation of their interest and earn Good Karmas

2011-05-21T04:33:00.000-07:00

http://ninafoundation.org/about-us.html

Alok Tholiya

follow link for trusts offering loan / scholerships

2011-05-07T02:31:00.001-07:00

http://www.educationinfoindia.com/privatescholarships.htm

Thanks and Regards,
Alok Tholiya (S.E.O.), M:9324225699 :
Tholiya Bhavan,
10th Road , Santacruz east, Mumbai 400055

"TAKE ONLY WHAT YOU CAN CONSUME, MONEY IS YOURS BUT RESOURCES BELONG TO THE SOCIETY. THERE ARE MANY OTHERS IN THE WORLD WHO ARE FACING SHORTAGE OF RESOURCES. YOU HAVE NO RIGHT TO WASTE RESOURCES.´"

ONLY AUTHENTIC FREE MATRIMONIALS WEBSITE FOR DIGAMBAR JAINS: www.digambarjains.com/

For Issues of women in distress: http://womendignity.blogspot.com/

For Issues of Sr. citizens : http://varishthanagrik.blogspot.com/
Issues of Public interests : http://aloktholiya.blogspot.com/

http://tenantsoftholiyabhavn.blogspot.com/
For education funds : http://ngoandsociety.spaces.live.com/default.aspx

Also subscribe to my very popular yahoo group for mails on ahead of time views: Send blank mail to: menow-subscribe@yahoogroups.com

precious collections: http://beautifulwe.blogspot.com/

Education Scholarships - S. K. Patil Loan Scholarships

2011-05-03T18:17:00.000-07:00

Education Scholarships - S. K. Patil Loan Scholarships

Posted by: "info@karmayog.org" info@karmayog.org

Tue May 3, 2011 2:30 am (PDT)

Subject: S. K. Patil Loan Scholarships

Main Point: S. K. Patil Loan Scholarships

Category of Topic: Education Scholarships

Message:

Additional Information 1: S_K_PATIL
<http://www.karmayog.org/message/upload/4293/1/S_K_PATIL.pdf>

Name: Shri Brihad Bharatiya Samaj

Organisation: Shri Brihad Bharatiya Samaj

Location: Bandra

Email 1: info@karmayog.org

Scholarship

2011-03-23T08:31:00.001-07:00

Scholarship

There are several charitable trusts and organisations offering between rs 200 and rs 20,000, as loan scholarships to the needy students belonging to the jain community. most of the scholarships are interest-free loan scholarships to be returned after the student starts earning.

Institutions' list:

The sahu jain trust at times house, 4th floor, 7, bahadur shah zafar marg, new delhi-2 is offering scholarships for students pursuing education in technical subjects.
Dakshin bharat jain sabha, 37, mahavir nagar, sangli-416416 is offering scholarships for jain students from maharashtra, karnataka, tamil nadu, andhra pradesh, kerala and goa.
The walchand hirachand charitable trust at construction house, belard estate, mumbai-400038 jain social welfare association, h-22, green park extn, new delhi-110016
Seth H.G.jain boarding family trust, 148 lamington road, near tardeo bridge, mumbai-400007
Amichand daluchand shah charitable trust, daluchand niwas, sir bhalchand road, mumbai-400019
Gandhi natha rangji digambar jainonnati fund, 80b, parwa chawl, zaveri bazar, mumbai-2
Akhil bhartiya sthanakvasi jain conference, 12, shahid bhagatsingh marg, new delhi-1 akhil
Bhartiya sthanakvasi jain conference, tribhuvan building, 1, vijay vallabh chowk, paydhuni, mumbai
Akhil bhartirya digambar jain parishad, 204 dariba kalan, delhi-6
Bhartvarsiya jain anathrakshak society, daryaganj, new delhi-2
Jain sahakari bank ltd, hirabag, mumbai-400004
Akhil bharatvarshiya sadhumargi jain sangh, samata bhawan, rampuriya marg, bikaner, rajasthan
Vidyasagar vidyanidhi, varni vachanalay bhawan, katra ward, sagar, madhya pradesh (mp)
Bhagwandas shobhalal charitable trust, chameli chowk, sagar mp
Vardhman jain seva sadan, 21, godi ji ki chawl, mumbai-400002
Girdharilal pyarelal education fund, 34, chandni chowk, delhi-110006
Jain chhatravrutti fund, vijaygupt road, new delhi-110033
More info about Jain Scholarships at –
www.sahujaintrust.timesofindia.com
www.jainworld.com/education/scholarship_program.asp

Scholarships for Women for Higher Studies Overseas

2011-03-22T08:40:00.001-07:00

Forms are available till 21 April.

Deadline for submission: 13 May

For details:
http://www.dorabjitatatrust.org/about/pdf/Scholarship%20Announcement.pdf

From Pervin Sanghvi

The Lady Meherbai D. Tata Education Trust awards scholarships to Indian
women graduates to pursue higher education abroad. The Trust invites
applications for the academic year 2011â€" 2012 in the study fields of Social
Work; Social Science; Education; Education and Welfare of Children with
Special Needs; Statusâ€" Health and Empowerment of Women; Gender Studies;
Child Health, Development Nutrition; Health Policy and Health Education;
Public Healthâ€" Community Health Services, Reproductive Health; Rural
Development Work (with a focus on women and children) and Communication for
Development (with a focus on womenâ€™s issues). For further details,

please
visit our website: www.dorabjitatatrust.org

<http://www.dorabjitatatrust.org/>

FORMATION OF TRUST

2011-03-13T05:38:00.001-07:00

FORMATION OF TRUST

A public charitable or religious institution can be formed either as a Trust or as a Society or as a Company registered u/s 25 of the Companies Act. It generally takes the form of a trust when it is formed primarily by one or more persons. To form a Society at least seven persons are required. Institutions engaged in promotion of art, culture, commerce etc. are often registered as non-profit companies. These forms are enumerated as under:

Charitable Trust settled by a settlor by a Trust Deed or under a Will.
Charitable or religious institution / association can be formed as a society.
Charitable institution can be formed by registering as a company u/s. 25 of the Companies Act, 1956, as non profit company (without addition to their name, the word "Limited" or "Private Limited").

CREATION /FORMATION OF TRUST

(A) Creation of a private trust: A Private Trust may be created inter vivos or by will. If a trust in created by will it shall be subject to the provisions of Indian Succession Act, 1925.

The following are the requisites for creation of a Trust:

(i) The existence of the author/settlor of the Trust or someone at whose instance the Trust comes into existence and the settlor to make an unequivocal declaration which is binding on him.

(ii) There must be a divesting of the ownership by the author of the trust in favour of the trustee for the beneficial enjoyment by the beneficiary.

(iii) A Trust property.

(iv) The objects of the trust must be precise and clearly specified.

(v) The beneficiary who may be particular person or persons.

Unless all the above requisites are fulfilled, a trust cannot be said to have come into existence.

(B) Creation of a Public Trust: Like the private trusts, public trusts may be created inter vivos or by will. In the case of Hanmantram Ramnath (Bom) it was held that "Although the Indian Trusts Act does not specifically apply to charitable trusts, there are three certainties required to create a charitable trust. They are:

(i) a declaration of trust which is binding on settlor,

(ii) setting apart definite property and the settlor depriving himself of the ownership thereof, and

(iii) a statement of the objects for which the property is thereafter to be held, i.e. the beneficiaries.

It is essential that the transferor of the property viz the settlor or the author of the trust must be competent to contract. Similarly, the trustees should also be persons who are competent to contract. It is also very essential that the trustees should signify their assent for acting as trustees to make the trust a valid one.

When once a valid trust is created and the property is transferred to the trust, it cannot be revoked, If the trust deed contains any provision for revocation of the trust, provisions of sections 60 to 63 of the Income-tax Act will come into play and the income of the trust will be taxed in the hands of the settlor as his personal income.

Public Trusts for Charitable or Religious Purposes

The income derived from a property held under charitable or religious trusts is exempt from tax u/s 11 subject to the fulfilment of certain conditions. However, any profit or gain of a business carried on by such trust shall not be exempt unless the business is incidental to the attainment of the objectives of the trust/institution and separate books of account are maintained by such trust/institutions in respect of such business.

Who can form a Charitable or Religious Trust : As per section 7 of the Indian Trusts Act, a trust can be formed –

a. by every person competent to contract, and

b. by or on behalf of a minor, with the permission of a principal civil court of original jurisdiction.

but subject in each case to the law for the time being in force as to the circumstances and extent in and to which the Author of the Trust may dispose of the Trust property.A person competent to contract is defined in section 11 of the Indian Contract Act as a person who is of the age of majority according to the law to which he is subject and who is of sound mind and is not disqualified from contracting by any law to which he is subject. Thus, generally speaking, any person competent to contract and competent to deal with property can form a trust. Besides individuals, a body of individuals or an artificial person such as an association of persons, an institution, a limited company, a Hindu undivided family through it's karta, can also form a trust.

It may, however, be noted that the Indian Trusts Act does not apply to public trusts which can be formed by any person under general law. Under the Hindu Law, any Hindu can create a Hindu endowment and under the Muslim law, any Muslim can create a public wakf. Public Trusts are essentially of charitable or religious nature, and can be constituted by any person.

Capacity to create a Trust :-As a general rule, any person, who has power of disposition over a property, has capacity to create a trust of such property. According to section 7 of the Transfer of Property Act, 1882, a person who is competent to contract and entitled to transfer the property or authorized to dispose of transferable property not his own, either wholly or in part and either absolutely or conditionally, has 'power of disposition of property'.

Thus, two basic things are required for being capable of forming a trust – power of disposition over property and competence to contract.

Who can be a Trustee :-Every person capable of holding property can become a trustee. However, where the trust involves the exercise of discretion, he can accept or act as a trustee only if he is competent to contract. No one is bound to accept trusteeship. Any number of persons may be appointed as trustees. However, no trust is defeated for want of a trustee. Where there is no trustee in existence, an official trustee may be appointed by the court and the trust can be administered. An executor of a Will may become a trustee by his dealing with the assets under the provisions of the Will. When an executor is functus officio to any of the assets and yet retains them, he becomes a trustee in respect of those assets.

Who can be a Beneficiary:- In a private trust the beneficiaries are one or more ascertainable individuals. In a public trust the beneficiaries are a body of uncertain or fluctuating individuals and may consist of a class of the public or the whole public. Generally, a private trust is not a permanent one. But a public trust is of a permanent nature. If properties are dedicated to temples and mosques or gifts are made to religious or charitable institutions they create a trust.

Requisites of a Trust

-The existence of the author/settler of the trust or someone at whose instance the trust comes into existence.

-Clear intention of the author/settler to create a trust.

-Purpose of the Trust.

-The Trust property

-Beneficiaries of the Trust.

-There must be divesting of the ownership by the author / settlor of the trust in favour of the beneficiary or the trustee.

Unless all these requisites are fulfilled a trust cannot be said to have come into existence.

TAXATION OF TRUST

Trusts have not been defined under the Income-tax Act, 1961. The dictionary meaning of "trust", in so far as it relates to the realm of law, is "an arrangement" by which property is handed over to or vested in a person, to use and dispose it off for the benefit of another person."

Trusts can be broadly classified into two categories, viz.,—

(i) Public,

(ii) Private.

However, there may be trusts which are a blend of both and are known as Public-cum-Private Trusts.

1A Public trust: A public trust is one which benefits the public at large or some considerable portion of it. A public trust can be of two types, viz., (a) Public charitable trust, (b) public religious trust.

1B Private trust: In case of private trust, the beneficiaries are individuals or families. Private trusts are further broadly classified into:—

(i) Private specific trust, also referred to as Private Discretionary Trust with beneficiaries and shares determinate in respect of both.

(ii) Private Discretionary Trust where the beneficiaries or their share or either is indeterminate.

Private Trusts are created and governed by Indian Trusts Act, 1882 whereas charitable trusts are beyond this Act and have not been defined by law. According to section 3 of this Act, a trust is an obligation annexed to the ownership of the property and arising out of a confidence reposed in and accepted by the owner, or declared and accepted by him, for the benefit of another or of another and the owner. The person who reposes or declares the confidence is called the author of the trust, the person who accepts the confidence is called the trustee, the person for whom the benefit is created is called the beneficiary.

The subject-matter of the trust is called trust property or trust money, the beneficial interest or interest of the beneficiary is his right against the trustee as owner of the trust-property; and the instrument, if any, by which the trust is declared is called the instruments of trust.

From the analysis of the above definitions, it may be observed that three types of persons are involved in the creation of a trust—

(i) Author of the trust i.e. the person who reposes or declares the confidence;

(ii) Trustees i.e., the persons who accept the confidence;

(iii) Beneficiary i.e., the person(s) for whose benefit the confidence is accepted.

In case of private trusts, the beneficiary may be another person or the author.

1C Public-cum-Private Trusts: There may be certain trusts whose part of the income may be applied for public purposes and a part may go to a private person or persons. Such trusts are known as Public cum Private Trusts. Such trusts, in respect of the portion of the income going to private person or persons are assessable as private trusts and in respect of that portion of the income which is applied for public purposes, they shall be eligible for exemption under section 11 provided these trust are created before the commencement of Income-tax Act, 1961 i.e. before 1-4-1962. Public-cum-private created on or after 1-4-1963 shall not be eligible for exemption u/s 11,.

TAX Exemption under sections 11 to 13

Subject to the provisions of sections 60 to 63, certain incomes of a charitable/ religious trust or institution are not included in its total income to the extent and subject to the conditions specified in the Act. The word Trust as used in the context of sections 11 to 13 of the Income-tax Act, includes in addition to the trust "any other legal obligation".

Subject to the provisions of sections 60 to 63: Section 11 starts with the opening phrase "subject to the provisions of sections 60 to 63. It means that if there is:

(a) a transfer of income without transfer of an asset; or

(b) revocable transfer of assets,

the income from that asset, in that case, shall be taxable in the hands of transferor and not the transferee.

Sections applicable for charitable or religious trust:

The following sections of the Income-tax Act deal with the subject of exemption of income from property held for charitable or religious purposes:

Section 11 :- Exemption of Income from property held in trust or other legal obligation, for religious or charitable purposes.

Section 12 :- Exemption of Income derived by such a trust from voluntary contributions not being contributions made with a specific direction that they shall form part of the corpus of the trust or institution.

Section 12A :- Prescribes the conditions for registration of a trust etc.

Section 12AA :- Prescribes the procedure for registration.

Section 13 :- Enumerates the circumstances under which exemption available under sections 11 and 12 will be denied.

The exemption outlined in section 11 are subject to the fulfillment, not only of the various conditions set out in this section but also those set out in sections 12, 12A, 12AA, 13 and 60 to 63

Conditions to be satisfied for claiming exemption under section 11:

For claiming exemption under section 11, the following conditions must be satisfied:

(a) Trust must have been created for any lawful purpose;

(b) Such trust/institution must be for charitable or religious purposes. According to section 2(15), charitable purpose includes relief of the poor, education, medical relief and the advancement of any other object of general public utility;

Amendment made by the Finance Act, 2008

With a view to limiting the scope of the phrase "advancement of any other object of general public utility", the Act has amended section 2(15) so as to provide that "the advancement of any other object of general public utility" shall not be a charitable purpose if it involves the carrying on of—

(a) any activity in the nature of trade, commerce or business or,

(b) any activity of rendering of any service in relation to any trade, commerce or business,

for a fee or cess or any other consideration, irrespective of the nature of use or application of the income from such activity, or the retention of such income, by the concerned entity.The purpose of bringing this amendment was that number of entities operating on commercial lines are claiming exemption on their income either under section 10(23C) or section 11 of the Act on the ground that they are charitable institutions. This is based on the argument that they are engaged in the "advancement of an object of general public utility" as is included in the fourth limb of the current definition of "charitable purpose". Such a claim, when made in respect of an activity carried out on commercial lines, is contrary to the intention of the provision.

The entities effected due to the above amendment are housing boards, chamber of commerce, port trust, etc. as the Supreme Court in case CIT v Gujarat Maritime Board (2007) 295 ITR 561 (SC) held that the assessee who is engaged in developing and maintaining minor ports in State of Gujarat is carrying on a object of general public utility.

Amendment made by the Finance Act, 2009

Charitable trusts with the objective of the preservation of environment (including watersheds, forests and wildlife) and preservation of monuments or places or objects of artistic or historic interest were as such covered u/s. 2(15) of the Act. However, such objectives would fall under the category of advancement of general public utility. When a charitable trust carries on with the objective of advancement of general public utility, it would not be able to carry on any activity in the nature of trade, commerce or business, or any activity of rendering any service in relation to any trade, commerce or business, for a cess or fee or any other consideration. Since these objectives need to be encouraged, it is a welcome amendment being proposed to provide that such objectives would form separate objectives in themselves u/s. 2(15) and therefore would not fall under the category of advancement of general public utility and as a result would be excluded from the applicability of the condition that such trust cannot carry on any activity in the nature of trade, commerce or business, or any activity of rendering any service in relation to any trade, commerce or business, for a cess or fee or any other consideration : The amendment is effective from A. Y. 2009-2010 and therefore trusts with these objectives would not entail such restriction even in the F. Y. 2008-09 when for the first time such restriction was introduced.

Donations to Certain Funds, Charitable Institutions, etc., Perpetual Certificates u/s. 80G :

Because of amendments by the Finance Act, 2008 in section 2(15), a number of organizations have ceased to be charitable for the purposes of the Income-tax Act. However, such institutions and trusts continued to collect donations during the financial year 2008-2009 for funding relief work for floods in Bihar and other public purposes. The donors made these donations under a bonafide belief that they would be entitled to benefit under section 80-G. With a view to mitigate hardship to the donors, one time relaxation proposed for donations made during financial year 2008-09 in respect of an institution or fund approved under clause (vi) of sub-section 5 of section 80G for the previous year beginning on the 1st day of April 2007 and ending on the 31st day of March, 2008. Amendment shall accordingly, apply in relation to assessment year 2009-10 only.

Certificates granted u/s. 80G expiring on or after 1st October, 2009 would remain valid in perpetuity unless specifically withdrawn.

(a) The property from which income is derived should be held under trust by such charitable or religious trust/institution.

(b) The accounts of the trust/institution should be audited for such accounting year in which the total income, before giving effect to provisions of section 11 or 12, exceeds the maximum amount which is not chargeable to tax and the person in receipt of the income should obtain an audit report in Form No. 10B [Rule 17B] and furnish the same alongwith the return of income.

(d) Where the "property held under a trust" includes a business undertaking, the provisions of sections 11(4) shall be applicable. On the other hand, if the trust wishes to carry on business, the profits or gains earned from such business shall not be exempt under section 11, unless the business is incidental to the attainment of the objectives of the trust/institution and separate books of account are maintained by such trust and institution in respect of such business.

(e) The charitable trust created on or after 1-4-1962 should satisfy the following further conditions:

(i) it should not be created for the benefit of any particular religious community or caste;

(ii) no part of the income of such charitable trust or institutions should enure directly or indirectly for the benefit of the settlor or other specified persons; and

(iii) the property should be held wholly for charitable purposes.

However, the religious trust created before or after 1.4.1962 may not satisfy the condition (i) mentioned above, but if it is created after 1-4-1962, it should satisfy the conditions (ii) and (iii) mentioned above.

Thus, the charitable trust or religious trust created before 1-4-1962 can be partly public charitable or religious trust and partly private charitable/religiou s trust but charitable or religious trust created after 31-3-1962 should be wholly for charitable or religious purposes.

(f) The funds of the trust should be invested or deposited in the permissible forms and modes prescribed in section 11(5).

Which income will be exempt under section 11

Subject to the provisions of sections 60 to 63, the following incomes of a religious or charitable trust or institution are not included in its total income, provided the conditions mentioned under para 3a above are satisfied:

(a) Income from property held under trust wholly for charitable or religious purposes [Section 11(1)(a)]: Income derived from property held under trust, wholly for charitable and religious purposes, shall be exempt—

(i) to the extent such income is applied in India for such purposes; and

(ii) where any such income is accumulated or set apart for application to such purposes in India, to the extent to which the income so accumulated or set apart is not in excess of 15% of the income from such property;.

(b) Income from property held under trust which is applied in part only for charitable or religious purposes [Section 11(1)(b)]:Income derived from property held under trust in part only for such purpose, shall be exempt:

(i) to the extent such income is applied in India for such purposes, provided, the trust in question is created before the commencement of Income-tax Act, 1961 i.e. before 1-4-1962; and

(ii) where any such income is finally set apart for application to such purposes in India, to the extent to which the income so accumulated or set apart is not in excess of 15% of the income from such property.

(c) Income from property held under trust which is applied for charitable purposes outside India [Section 11(1)(c)]: (i) Income derived from property held under trust, created on or after 1-4-1952 for charitable purpose which tends to promote international welfare in which India is interested, shall be exempt to the extent to which such income is applied to such purpose outside India. Religious trusts are not covered here.

(ii) Income derived from property held under a trust for charitable or religious purposes, created before 1-4-1952, shall be exempt to the extent to which such income is applied to such purposes outside India.

In the above two cases, it is necessary that the Board, by general or special order, has directed in either case that it shall not be included in the total income of the person in receipt of such income.

(d) Voluntary contributions forming part of corpus [Section 11(1)(d)]: Income in the form of voluntary contributions made with a specific direction, that they shall form part of the corpus of the trust or institution, shall be fully exempt. The condition that at least 85% of the income should be applied during the previous year in which it is earned is not applicable in this case.

It is not sufficient that the property is indirectly responsible for the income; it is necessary that the income must directly and substantially arise from the property held under trust. The property must be the effective source from which the income arises. [J.K. Trust (Bom)].

4a Exemption is limited to the extent such income is applied for charitable or religious purposes: It has been mentioned above, that exemption for clauses (a), (b) and (c) is limited to the extent to which such income is applied in India [or outside India in case of clause (c) mentioned above].

Although, the exemption for clauses (a) and (b) is available to the extent income is applied during the previous year for charitable or religious purposes but it is not necessary that 100% of the income should be so applied for such purposes during the previous year itself to claim full exemption.

As per the Act, for claiming full exemption of such income, the assessee is required to apply atleast 85% of such income during the previous year for charitable or religious purposes. He can accumulate upto 15% of such income to be utilized for charitable or religious purposes in India at a later date. Such facility of accumulation is not available for trust mentioned in clause (c) above, whose income is to be applied outside India and as such these trusts will be allowed exemption only to the extent the amount has been applied for such purposes outside India.

1. After 28-2-1983, 15% of the income, which can the accumulated or set apart for any period, should also be invested or deposited in one or more of the forms or more specified in section 11(5).

2. Although the trust or institution is required to apply atleast 85% of income, and accumulate maximum 15% of income, but it can accumulate even more than 15% of such income in certain cases and subject to certain conditions mentioned in section 11(2) discussed later. [Refer para 5]

4b Income applied during the previous year includes the following: It is clear from the above discussion that for claiming full exemption atleast 85% of the income should be applied during the previous year, towards the purpose for which the trust has been created. Income applied during the previous year for this purpose includes the following:

(a) income actually applied during the previous year for charitable and religious purposes,

(b) income deemed to have been applied for charitable or religious purposes in India during the previous year.

Income deemed to have been applied during the previous year for charitable or religious purposes [Clause 2 of the Explanation to section 11(1)]: If the income applied to charitable or religious purposes during the previous year falls short of 85% of the income derived during the year either:

(a) for the reason that whole or part of the income has not been received during the previous year or

(b) for any other reason,

then the charitable trust has been given the option to spend such income for charitable or religious purposes in the following manner:

(i) In case of (a) either during the previous year in which the income is so received or in the immediately following previous year. Example, if the income of previous year 2006-07 is received on 15-4-2007, i.e., next year, such income should be applied for charitable or religious purposes either during previous year 2007-08 and/or 2008-09.

(ii) In case of (b) during the previous year immediately following the previous year in which the income was derived. If the income is received on 28-1-2007 and it could not be spent in the previous year 2006-07 for any reason, it could be applied in the next previous year i.e. 2007-08.

To avail the facility of the above extended period of application of income, the trust has to exercise an option in writing before the due date of filing return under section 139(1).

If such option is exercised by the trust, such income shall be deemed to have been applied for charitable and religious purposes during the previous year in which the income is earned, though it is actually spent at a later date. In this case, as such income is deemed to have been applied during the previous year in which it was derived, it shall not be treated as application of income for charitable purposes, of the previous year in which it is actually spent.

Consequences if the income is not actually applied within the prescribed period after exercising the above option [Section 11(1B)]

Tags: charitable institution, charitable Trust, indian succession act, private trust, private trusts, profit companies, profit company, public trust, public trusts, registering as a company, religious institution, succession act 1925, Trust Deed, trust property

FW: [karmayog] Available for Free in Bombay: Encyclopedia and Engineering Text Books

2011-03-12T15:23:00.001-08:00

Please mail him directly if u need these books.

From: Prolific Dyslexic <prolificdyslexic@gmail.com>
To: chandni_parekh@yahoo.com
Sent: Sat, March 12, 2011 2:02:52 PM
Subject: Encyclopedia and Engineering Text-Books for donation.

Hi Chandni,

I have two sets of books to give away.

One is the World Book Encyclopedia.
This is the 1994 edition with a British/Commonwealth Bias
All volumes + reference guide. In mint condition.

The other set of books are all engineering textbooks
Almost all these books are for Electrical Engineering
There are books on basics, circuit theory, power systems, electrical machines, control systems and a few on electronic circuits and power electronics. I don't have them listed down, but will try doing that over the weekend.

If anyone needs the books, they can collect them from my place.
Preferences are: charitable foundations educating underprivileged kids, municipal schools, charitable schools (for encyclopedias)
engineering college or other book banks for underprivileged (for texts), libraries and reading rooms for underprivileged (for both)

I'm in Charkop Kandivli (W) and anyone can pick them up from my place. I can give contact my number on request.

I think someone in your network would definitely have use for these books. You may connect them to me.

Thanks
ProlificD

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Let us act as matured family man and ensure that women in our families dont get anxiety disorder ....Alok

2011-03-11T16:23:00.000-08:00

Women are twice as likely to have an anxiety disorder as men. Find out why and get more facts:

Facts ..

From the time a girl reaches puberty until about the age of 50, she is twice as likely to have an anxiety disorder as a man. Anxiety disorders also occur earlier in women than in men.

Women are also more likely to have multiple psychiatric disorders during their lifetime than men. The most common to co-occur with anxiety is depression.

Differences in brain chemistry may account for at least part of these differences. The brain system involved in the fight-or-flight response is activated more readily in women and stays activated longer than men, partly as a result of the action of estrogen and progesterone.

The neurotransmitter serotonin may also play a role in responsiveness to stress and anxiety. Some evidence suggests that the female brain does not process serotonin as quickly as the male brain. Recent research has found that women are more sensitive to low levels of corticotropin-releasing factor (CRF), a hormone that organizes stress responses in mammals, making them twice as vulnerable as men to stress-related disorders.

Low serotonin and Depression

Low serotonin levels are believed to be the cause of many cases of mild to severe depression which can lead to symptoms such as anxiety, apathy, fear, feelings of worthlessness, insomnia and fatigue. The most concrete evidence for the connection between serotonin and depression is the decreased concentrations of serotonin metabolites in the cerebrospinal fluid and brain tissues of depressed people.

If depression arises as a result of a serotonin deficiency then pharmaceutical agents that increase the amount of serotonin in the brain should be helpful in treating depressed patients. Anti-depressant medications increase serotonin levels at the synapse by blocking the reuptake of serotonin into the presynaptic cell. Anti-depressants are one of the most highly prescribed medications despite the serious side-effects they can cause.

If depression is mild enough it can sometimes be managed without prescribed medications. The most effective way of raising serotonin levels is with vigorous exercise. Studies have shown that serotonin levels are increased with increased activity and the production of serotonin is increased for some days after the activity. This is the safest way of increasing serotonin levels and many other benefits result from regular exercise.

Serotonin levels can also be controlled through the diet. A diet deficient in omega-3 fatty acids may lower brain levels of serotonin and cause depression. Complex carbohydrates raise the level of tryptophan in the brain resulting in a calming effect. Vitamin C is also required for the conversion of tryptophan into serotonin.

Alok adds : If person goes in depression then lot damaging things can happen from affecting a career, relationship.loss of libido and performance,anxities, mismanged anger etc etc.

So go ahead and give and share love, affection,dance, do yoga,aerobics, garba dandiya,outings ( not in a car) like hiking, yatra, outdoor sports etc etc. can help you improve serotonin and thereby keep depression/ anxiety away.

And finally help of genuine spirital gurus like Osho, mental health proffessional,counsellors etc is vital and should be willingly approached or else situation becomes further difficult.

Finally never hesitate in aproaching psychiatrist and take medicine as advised and Lo your life is back on happy tracks.

Thanks and Regards,
Alok Tholiya (S.E.O) M:9324225699
Tholiya Bhavan,10th Floor,
Santacruz East,Mumbai400055

We offer free ( against deposit) wheel chair,patients Fowler bed,tripods, sticks,walker etc..

www.digambarjains.com
www.aloktholiya.blogspot.com

Marigold developers: for home loans and best properties
marigold Mini Party hall at santacruz

Passages Association for Guidance, Education & Support

2011-03-08T07:49:00.001-08:00

Passages Association for Guidance, Education & Support
92, Lady Ratan Tata Medical Centre
Cooperage
Mumbai - 400 021
Tel: 22047823
Fax: 22871299
Karmayogi: Ms. Nalini Shewakramani
Category: Support Groups/ Cancer
Profile: www.karmayog.org/nonmumprodis.asp?r=149&nonnpoproid=2066&state=Maharashtra&city=Mumbai

Thanks and Regards,
Alok Tholiya (S.E.O.), M:9324225699 :
Tholiya Bhavan,
10th Road , Santacruz east, Mumbai 400055

ONLY AUTHENTIC FREE MATRIMONIALS WEBSITE FOR DIGAMBAR JAINS: www.digambarjains.com/

For Issues of Sr. citizens : http://varishthanagrik.blogspot.com/
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Also subscribe to my very popular yahoo group for mails on ahead of time views: Send blank mail to: menow-subscribe@yahoogroups.com precious collections: http://beautifulwe.blogspot.com/

Financial assistance for educational needs to school going children

2011-03-08T07:47:00.001-08:00

Family Service Centre
Eucharistic Congress Bldg. No. III Ground Floor
5, Convent Street
Colaba
Mumbai 400039
Karmayogi : Mrs. Nigama, Mascarenhas, Director
Tel : 22021432
Fax: 22828862
Email: director@fscmumbai.org
Category: Family Welfare
Notes : No documents required. Registration and service charges for adoption cases only
Sponsorship : Financial assistance for educational needs to school going children, Std. VI and above. Child should have an interest and aptitude in studies, with family in economic need.
Adoption : Home study and counselling undertaken before placement of suitable baby in legal adoption or guardianship. Adoptive parents support group initiated in April 1991 to discuss issues related to adoption. Foster-Care : for new-born babies awaiting adoption, placement of older children in another home form a temporary period,during which their own parents are unable to look after them for a variety of reasons. Also provide a Foster-day-care service for young children with parents employed outside the home. Foster families are given financial assistance.
Profile: www.karmayog.com/ngos/fsc.htm

JELP – JITO Educational Loan Program

2010-12-14T04:02:00.001-08:00

http://jitochennai.org/

Thanks and Regards,
Alok Tholiya (S.E.O) M:9324225699

Check out my photos on Shtyle.fm

2010-10-27T17:50:00.000-07:00

Hi atholiya.help@blogger.com!

Check out my photos on Shtyle.fm

I've created a profile on Shtyle.fm to upload my photos, share files and make new friends and I want to add you as a friend.

View my Profile and Photos »
Regards,
ALOK THOLIYA

You can opt-out of Shtyle.fm emails.

LIC Golden Jubilee Foundation... also sanctions scholarships to the poor for higher studies.”

2010-09-12T09:59:00.001-07:00

LIC Golden Jubilee Foundation, a trust established by LIC, is contribution to the poor, and needy for education, health, general public utility, service to the society, eradication of poverty, etc. The lic golden jubilee foundation also sanctions scholarships to the poor students to pursue higher studies." a trust established by LIC, is contribution to the poor, and needy for education, health, general public utility, service to the society, eradication of poverty, etc. The lic golden jubilee foundation also sanctions scholarships to the poor students to pursue higher studies."

Thanks and Regards,
Alok Tholiya (S.E.O) M:9324225699

My article on sex education......must read and send ur comments.....Alok

2010-07-26T19:36:00.001-07:00

IMP : Note with right diagonisis and treatment most sexual and relationships can be cured/ repaired/corrected. But the person should be ready and willing and cooperative. With psychologists one may have to have several sittings as they dont get path lab report for mental conditions. Have patience, faith and give cooperation.

Dear All,

( Parents, Teacher, Doctors, divorce specialists, elders and adults to be married and married)

Namaskar.

Pl. note that I am the only non medico / non mental health professional accpted as life member in Council of sex Education and parenthood International. It is a very august body of leading sexologist,psychologists, psychiatrists, counsellors, Urologists,andrologists etc..Dr Prakash Kothari, Dr M C Vatsa, Dr Rupin Shah, top of the line doctors are members here.

I have guided and helped many married and about to be married purely as hon. social hobby/ responsibility.

Normally there r various reasons of facing difficulties in marriage specially of just married like:

Dowry/ dahej
misbehaviour of someone during marriage ( like causing insult/ hurt)
old relations which haunts
expectations not meeting etc etc

And normally all focus is on above issues where as there can be other hidden undisclosed issues too like :

5.Relationships can be in deep waters due to sexual difficulties but for years one / both keep suffering without coming out in open. So under lining factor can be something else of rift but actual fight will take place for other reasons. Let us in brief understand the problems:

A: Organic / Physiological several reasons can affect a good performance ( long sickness ,addictions, long fatigue, low testosterone, high old BP, high old diabetes, etc etc.

B. Psychogenic: Past, myths ( like virginity : during talk with a disturbed friend who had just married I casually mentioned / explained that on first night bleeding may not take place due to several reason like girl was sportswoman, cyclist, may have inserted finger etc etc then hymen may have ruptured accidentally and he left his all misconceptions against his wife and became happy husband) , misconceptions, fear ( of pain, getting caught etc etc), hatred, commitment to other person, sever untreated depression etc.

If person has difficulty in arousal, erection or performance then one may avoid / not enjoy physical relations.And then can distance with partner on bogus grounds as he/ she can not come out with facts on such issues as there is a lot of stigma/ shyness/ fear to discuss such issues.

If person has very good experience with earlier partner and not so good with new one then also he may become dissatisfied and which can be seen in his / her behaviour.

Ex may be longing for old partner or have guilt or may be longing for good sex( experienced earlier as lady who is proffessional or already married or divorced can be a better satisfying then a new shy inexperienced wife as she does not know all tantra).Unfortunately some times it is ulta too where if a good virgin lady takes extra interest or shows some extra knowledge then too husbands doubt her though it may be due her having some good knowledgeable friend, have read some good scientific books on tantra/ kam , attended some seminar ( I attended first such educative seminar some where around in 1976 ( I was bachlor and 21 yrs) organised by my very bold and dynamic college princial Dr Kohli (N M college) where Dr Prakash Kothari demolised all myths and misconception in the minds of students and lecurers of college, and Bhaidas hall was over full) ( even after 30 yrs do u hear of such seminars for youth???). Education ministry, parents, teachers wake up.

A newly wed lady being new may be in pain and has to use cream/ zylocaine besides husband has to love , respect, give comfort, give confidence ( for future security) so she becomes relexed/ wet. But idiot husband may think she is avoiding. Etc etc .ande may further drift. If u keep her under shaken confidence then how can she be aroused and parnering? So I feel doctors, elder women in house must question about physical relationship and guide new couple and better take some help from qualified proffessionals. Two best organisation which I know of in Mumbai r Council of Sex education and parenthood Int. and FPI ( Family Planning Association of India), KEM hospital whose memebrs are competeant to do proper counseling/ treatment. However two important caution here :

1. A lady should never allow profeessional to examine beyond a reasonable stage without the presence of a spouse/ another matured lady.

2. You must cross check all info on net / books at FPI , ask lot of questions etc..and understand where u r being led.

Proffessiionals / close senior relatives must further ask: how long they had physical relations. How was their experience and satisfaction. How much they long for each other to be close, fiddling, foreplay etc etc. For man there is always fear of erection, its size ( which most often does not matter) premature ejaculation ( for both reasons psycho or physical disabilities), impotancy, etc etc. For both or one there may be reservation about conceiving ( now a days biggest hurdle is they r carrier minded , want to earn more for bigger better houes, we have spolilt the psyche of women by saying they need not be maid after good education/ career).

If there is a lack of satisfaction due to any of above reasons and they ( due to nature of our society) are likely to not likely to discuss this/ understand this. And one who can not understand can never seek help and finally will keep drifting from each other and or keep suffering silently life time. Many a times cause of discord is physical relationship issues but are most often not unattended till it is toooooooolate.

I have several factual incidents to tell but one short story may be good enough:

A lady neighbour of mine confided something in wife and my wife took his 10 year old son to a leading surgeon of leading hospital.They cameback without and treatment and help but good assurance. When I asked my wife why they had taken Ralph ( false name) to surgeon she avoided to reply.As time passed this boy became major but did not grow any facial hair, had chest bulging out , personality was not totally boyish but I cud not say anything to his parents ( this is nature of our society).He avoided to on picnic with other boys etc .

By the grace of god his mother again took help of my wife for getting an appointment with this leading surgeon.When they were to leave for him that time I was told they r going to him.I cud not be that reluctant this time and asked my wife insistingly what is wrong with Ralph? She was again reluctant but on my insistance she said his mother says his private oragn is not growing.He is very shy. He does not go to male loo when others r thgere.

I told her u dont have to go to general surgeon but have to go to a Urologist. Then I contacted Dr Rupin Shah. Dr rupin called me in the cabin after examining this boy and showed that his one testicle has not descended ( hence can not be even seen, felt means is not doing its job of producing testesterone very vital for manhood development) and hence he has girlish voice, no beard, enlarged breast, and no development of penis . he showed me his micro penis.

Then immediatley a surgery was planned and his testicles were put in right place. Then he was given shots of testesterone. Now Ralph is much OK. But Can he marry ?? Big question but his parents never asked me to accompany them to Dr Rupin. Dr Rupin though very nice person and knows me but as it is his proffessional ethics to not to disclose clients info in their absence has not told me nither I wud ask.

Parennts of Ralph have prohibited me to share this info as he shud not face difficulties in getting married.

By the way the earlier surgeon had assured parents of ralph that he is a child and evrything is alright and he will be OK once grows up. But Dr Rupin Shah said that this case should have been brought years back so lot cud be done at right time and saved the child from psychological trauma of years.

So if leading surgons have ignorance about sexology then u can imagine the condition of lay person and just married.

Wake wake wake up all. Save marriages. Save families. Have sex education.

sex education is not all about increasing demands. increasing adultery , increasing dishonesty rather it for setting right the person suffering from such difficulties as explained above and increasing pleasure, increasing honesty and developing healthy society.

I m sending this mail to 50K . Pl. fwd this to all ur contacts if u like it.

( sorry no time to chk spellings, grammer, or rephrasing). Rushing for my appointment to LIC office.

Thanks and Regards,
Alok Tholiya (S.E.O.),Marigold Hall,
Tholiya Bhavan,10th Road,Santacruz East,
Mumbai 400055
M:9324225699
My favourite quote: Work hard to get what u like...or else....U ll b forced to like what u get!
My links and blogs : ONLY AUTHENTIC FREE MATRIMONIALS WEBSITE FOR DIGAMBAR JAINS: www.digambarjains.com/
For Issues of Sr. citizens : http://varishthanagrik.blogspot.com/
Issues of Public interests : http://aloktholiya.blogspot.com/
For harrassed litigansts : http://litigants.ning.com/
•Also subscribe to my very popular yahoo group for mails on ahead of time views: Send blank mail to: menow-subscribe@yahoogroups.com precious collections: http://beautifulwe.blogspot.com/

The Reliance Dhirubhai Fellowship for Indian Students at Stanford University, 2009

2010-06-20T08:18:00.001-07:00

The Reliance Dhirubhai Fellowship for Indian Students at Stanford University, 2009

https://app.applyyourself.com/?id=su-rel

Top of Form

Thank you for your interest in the Reliance Dhirubhai Fellowship in partnership with the Stanford Graduate School of Business. This application is the first stage of a two-stage application process. If you are selected as a Reliance Dhirubhai Fellowship finalist, then stage two is the submission of the Stanford MBA application. This application is part of the ApplyYourself Application Network. To start your application, create an account to the right. You will receive a Personal Identification Number (PIN) and password by email so that you can return to work on your application over several sessions. Your information is transmitted through a secure server and is kept confidential until you submit your application. Only after you submit your application will it be available for review by our fellowship review committee. Please carefully read the instructions that appear throughout the application. You can submit your application only once and you will not have the opportunity to make changes after submission. Up to 50 Reliance Dhirubhai Fellowship finalists will be selected in a competitive process, with each applicant evaluated primarily on three criteria: 1) merit, including academic performance and professional promise; 2) commitment to developing India; and 3) a demonstration of financial need, based on a review of your personal resources. You must complete and submit this application by 1 June 2009. If you are selected as a finalist, you will receive a one-time Stanford MBA application fee waiver. In addition, we will send you a GMAT® fee voucher which will allow you to register online for an exam date of your choosing. After the fellowship decisions post, your application information will be joined to a new Stanford MBA application which will be accessible using your same PIN and password. Application Deadline - 1 June 2009 by 5:00pm Pacific Time Decisions Posted - 1 July 2009 by 5:00pm Pacific Time For more information about the Reliance Dhirubhai Fellowship, click here Best wishes, Reliance Industries, Ltd and the Stanford Graduate School of Business
Application System Requirements You will need a web browser that has Javascript activated. Supported web browsers include Internet Explorer 5 and above, Netscape 6 and above, Safari (for Macintosh users), and Firefox. Do not use AOL's internal browser. Pop-up blockers should be disabled. You must logout of the online application after each session.
New Account
Learn about this application by reading the Notice to Applicants. Create your applicant account if you are new to our application and do not already have a PIN by clicking on the "Create Account" button to the right.

Thanks and Regards,
Alok Tholiya (S.E.O.),
tholiya@yahoo.com
M: 9324225699/ 9819733057

My links and blogs :

ONLY AUTHENTIC FREE MATRIMONIALS WEBSITE FOR DIGAMBAR JAINS:
www.digambarjains.com/
For Issues of Sr. citizens : http://www.karmayog.org/ngo/VNSS/

Issues of Public interests : http://aloktholiya.blogspot.com/

precious collections: http://beautifulwe.blogspot.com/

Scholarships in Clinical Research and Management

2010-06-20T08:12:00.001-07:00

Scholarships in Clinical Research and Management


Edu Funds

Scholarships in Clinical Research and Management

Applications for Clinical Research and Management are open at Clini India.

Programmes are in Kolkata and Hyderabad and in the following areas:

Clinical Research
Clinical Data Management
Pharmacovigilanace
Medical Writing

Scholarships for students, corporate training programme, dedicated placement cell, management and soft skills training, short and intensive courses.

Eligibility criteria: Graduates/Post graduate in any of the life science streams (Biotechnology, Microbiology, Biochemistry, Zoology, Botany, Chemistry) MBBS, MD, BDS, MDS, BAMS, BHMS, B Pharm, M Pharm, B Pt, M Pt and B Sc (Nursing)

Contact: 033-30221132, 9331121132

Thanks and Regards,
Alok Tholiya (S.E.O.),
tholiya@yahoo.com
M: 9324225699/ 9819733057

My links and blogs :

ONLY AUTHENTIC FREE MATRIMONIALS WEBSITE FOR DIGAMBAR JAINS:
www.digambarjains.com/
For Issues of Sr. citizens : http://www.karmayog.org/ngo/VNSS/

Issues of Public interests : http://aloktholiya.blogspot.com/

precious collections: http://beautifulwe.blogspot.com/

do chk this site

2010-06-20T05:57:00.001-07:00

http://www.jainpushp.org/scholarship.htm

www.educationsupport.nic.in

www.scholarshipsinindia.com

Thanks and Regards,
Alok Tholiya (S.E.O.),
tholiya@yahoo.com
M: 9324225699/ 9819733057 mail.com

My links and blogs :

ONLY AUTHENTIC FREE MATRIMONIALS WEBSITE FOR DIGAMBAR JAINS:
www.digambarjains.com/
For Issues of Sr. citizens : http://www.karmayog.org/ngo/VNSS/

Issues of Public interests : http://aloktholiya.blogspot.com/

precious collections: http://beautifulwe.blogspot.com/

Scholership for Jain PG students...Alok

2009-12-26T23:18:00.000-08:00

Dear Jain brother and sisters,

Pl. note that I have allocated small fund of in the memory of my late mother beloved Saroj Tholiya.

This amount I want to use to support aspiring young graduates who want to do post graduation in following feilds:

1. Law

2. Psychology

3.course on gerontology ( helping ailing sr. citizens)

4. Journalism

5.hygiene
6. social work

7. Detective / Investigation / security services

8. Forensic Science

You are welcome to suggest names of deserving students.

Thanks and Regards,
Alok Tholiya (S.E.O.),