Dwarka Parichay News - Info Services

Why should insurance be an early investment?

2009-12-30T09:03:00.003+05:30

Ashok Kaushik M.Tech. (IIT Delhi '74), MBA

The author is a senior consultant with Bajaj Allianz Life Insurance Co., New Delhi since Nov 2001. He has spent 26 years as a CSIR scientist and a technocrat in several large corporates in India prior to venturing into insurance business in 2001. For any questions he can be reached on his mobile 9717764485, E-mail: akaushik49@hotmail.com

An insurance product is primarily purchased for one or more of the following reasons:
1. Family Security
2. Investment
3. Tax benefit

Ironically, in India, insurance has been bought mostly for tax benefits for a long time. But, with the advent of market-linked plans, insurance is now increasingly being recognised as a good investment product too.

As there are many other investment options available in the market, the choice of product is usually based up on the 'returns on investment' and/or the 'risk profile' of the buyer. An aggressive investor likes to go for pure equity-based products which offer handsome returns in the long run (over 10-year horizon). The persons with low risk appetite usually opt for debt products like traditional insurance policy, NSC, PPF, FDs, Bonds, etc.

One important aspect of selection of investment is invariably ignored: "which product to buy at what stage of life?" Is it a good idea for a 30 year old person with family to invest in NSC while he is carrying no or little insurance?

At this point, we must understand an important aspect of insurance as an investment tool: the insurance should preferably be the first inves

tment for several important reasons. A 'reasonable' insurance cover should be first built up before opting for other investment tools. [An estimate of 'reasonable' insurance cover can be made from human life value (HLV) calculation with the help of a professional advisor.]

There are four basic factors which strongly support the insurance as our first investment:

1. Input cost of insurance
2. Health status of the proposer
3. Compounding time for the investment
4. More disposable money for investment

Let's understand these aspects in more detail:

Input cost of insurance: Out of all investment products, the insurance is the ONLY investment where the purchase price depends on the age of the purchaser. In other investment products like FD, NSC or PPF, the purchase price and maturity value are fixed irrespective of the age of the purchaser. For example, a 5-year FD for Rs 5,000/- at 10% interest will give the same maturity amount of Rs 7,321 whether it is purchased by a 10-year old boy or an 80-year old senior citizen.

Let's illustrate the case of insurance product by an example each of traditional and ULIP policies. In a traditional plan, the premium is calculated on the basis of age, SA and policy term. So, for the same product (e.g., SA= Rs.100,000, Term= 20 years Money Back plan), a person of 25 years will pay about Rs 5,000 and the other person of 45 years will pay about Rs. 7,000 as premium, while both will receive the same maturity benefits.

Now, let's see how the age of the purchaser affects the costing in a market-linked plan (ULIP). In a ULIP plan, the person first decides the premium amount and then chooses the SA, policy term and riders, etc. From the premium amount that he pays, several types of expenses are deducted, like:

1. Allocation charges
2. Policy administration charges
3. Fund management charges
4. Riders' cost
5. Mortality charges

After deducting all these charges from the premium amount, the balance amount is invested in the fund(s) of the person's choice.

The mortality charge is the cost of insurance, i.e., the risk cover chosen (sum assured). This is charged on per lakh SA basis and increases with age. In general, it varies marginally up to age 30, moderately for age 30-40 and steeply for ages over 40. Just for example, the mortality cost for a person of 25 years may be Rs 150/- per 100,000 SA, whereas it may be Rs 1300 per lakh for a person of 55 years.

Therefore, if two persons A (age 25) and B (age 45) buy a ULIP plan each for a term of 10 years, SA= 300,000 and an annual premium of Rs 15,000/-, the total mortality charges deducted in 10 years for person A will be much lower than those deducted for person B. Hence, the annual investment component for person A will be much higher, thus resulting in higher maturity value.
Health Status of the proposer: While buying an insurance product, the company ensures that the proposer is in good health as per underwriting norms of the company. The proposer needs to undergo certain set of medical tests depending on the proposed risk cover and age of the proposer before the proposal is accepted by the company. Usually up to age 35, no medical tests are required up to certain risk cover.

So, if we plan to buy a relatively higher risk cover plan, it would be a good idea to buy it at the earliest as long as we are in good health. With age, there is chance that we develop some health problems. At that stage, even if we have the money available, it may be difficult to buy insurance as the company may decline it due to our health conditions.

Compounding time: The insurance products are usually long term contracts for more than 10 years. By starting the investment early, we allow the investment to grow for a longer time, hence producing higher returns. The following example will illustrate this point.

Suppose a person of age 25 invests Rs.1,000 in a product where it grows at 10% per annum. At age 60, his maturity amount becomes Rs. 25,548. If he starts the same investment at age 30, the maturity reduces to Rs 15,863. So, by delaying the investment for just 5 years, he loses about 40% of the maturity amount. The table shows that the maturity amount further reduces drastically for each 5-year delay in the investment. This is the power of compounding.

More disposable money for investment: In the initial years of life when we are unmarried or have very young kids, there is a good possibility of saving more money due to relatively low family expenses. We should use this opportunity in early years for investing higher savings for future.

From the above discussion, we have seen how we can maximise the returns on our investments in the later years by a careful planning of our investment options in the early stages of life. By choosing the insurance at an early age, we can save cost, can buy a higher risk cover and can generate higher returns on our investments.

Source: Dwarka Parichay News & Info Services

Saraswati Pooja celebration in Sector 14 Dwarka

2009-12-30T05:46:00.002+05:30

Sambhaav Samiti cordially invites you in the celebration of Sarswati Puja

Sambhav Samiti is a Dwarka based NGO with a moto to promote cultural value and rich Indian tradition. brotherhood amongst the civil society by organizing various programme, events and this includes organizing Pooja of Saraswati Mata (Goddess of art and knowledge). Samiti is celebrating Saraswati Pooja for consecutive 3rd year at sector 14 chowk in Dwarka.

Programme Scheduled as follows:

Venue: Sector 14, Dwarka

Date: 20th January to 22nd January, 2010

Events: Pooja, Drawing Competition, Musical Chair Competition,
Cultural Programme, Bhandara

Sponsors are invited to participate in the programme

For sponsorship contacts:

9350829327, 8010179808, 9350307811, 9350824357,
9868018565, 9555356913, 9873008034

Goonj's next material collection camp in Dwarka on 3rd January

2009-12-29T23:40:00.001+05:30

GOONJ.. (Winner of the "Indian NGO of the year award") is organizing next material collection camp in Dwarka on 3rd January 2010 (Sunday). GOONJ, a voluntary organization, known as one of the first organization worldwide to take up ‘Clothing" as a development subject. In the last ten years, GOONJ has been channelizing the urban India’s underutilized material like clothing, school material, cloth sanitary napkins etc as development resources in far-flung villages of India. Visit http://www.goonj.info/.

Contribute: Wearable old/new clothes, utensils, footwear, dry ration, umbrellas, newspapers & magazines, one sided used papers, school material, books, old bycle, toys, old audio/video cassette etc. and monetary contributions.

Collection Camp Details:
Venue: Infront of Shiksha Bharti Public School, Sector-7 (Near Sector-6,7,9,10 crossing), Dwarka
Timings: 12:30 PM to 5:00 PM on 3rd January 2010 (Sunday)
Camp Volunteers– Arvind Agrawal (9899974319) & Anjali Agrawal (9811654042)

Happy New Year 2010

2009-12-29T22:04:00.002+05:30

Happy New Year 2010

All that you dream but did not dare to do,
All that you hoped but did not will,
these slumber lightly
waiting to be awakened,
by the touch of STRONG PURPOSE,
I am your opportunity
BEHOLD I MAKE ALL THINGS NEW...

New Year Resolution Tips
* Remember only sweet and joyful moments of your life
* Forget bitterness in life and forgive others
* Keep humor alive in your life - do not hurt others
* Keep fit and healthy - loose your fat by regular exercises
* Do proper time management between personal and professional life
* Live disciplined life - avoid drinking, smoking and bad habits
* LOOK FORWARD IN LIFE - FULFILL ALL YOUR GOALS

So, Here is Dwarka Family in its 6 th Year, bringing People together to say, to say, What they have in common, their problems, concerns, sense of belonging.

They have a place. Dwarka Parichay. The Dwarka Family. A wise Educated & Concerned Family.
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AVERT THE ACCIDENTS

2009-12-29T20:45:00.000+05:30

Vijay K. Saluja

Ram Nath was watching his favourite TV programme,` Laughter Show`, when he recd a call, on his mobile. Since that call, Ramnath is not the same person- happy-go-lucky?! His world has somersaulted towards HELL!? The caller informed that his only son, RAVI- seventeen years old, had been involved in a serious road-accident & was removed by the police to a hospital. He stayed in injured condition on the road for more than an hour, as no on-lookers, who were in plenty, did any thing to give him succour/ help?!

Incidents, like the one above have become very common & normal features in our mega-cities. Accidents & deaths are on the increase. Two accidents, involving cars, are very recent cases of deaths/serious injuries on roads.

As it causes massive miseries to, the affected parties, it is time, to do some thing concrete, by all the stake-holders.
Who are the stake holders?
You, me, the community & various wings of the Govt-local, state, central, its various organizations, civil society groups, educational/training institutions, media, international organisations too.
Why do accidents occur? It does not need much explaining. But, the main reason is the negligence of human beings, itself. In the case of Ram Nath, he did not bother, to ensure that his under-age son did not take, his newly acquired car for a drive, to show off to his friends. He, even did not bother that, his son did not possess the valid driving license. Fake driving license, he himself, had helped his son, to obtain, using money-power & contacts`! Result of the same was there to see.

What were the authorities doing, when license was issued to untrained & under-age persons?
Collusion is the name of the game. Today, it is Ram Nath, tomorrow, it could be you, me or son of a license issuing official, a powerful politician or a senior bureaucrat? Accidents do not recognize the protocol or influence?!

Compromising on principles, non-enforcement of laid down traffic rules, casualness, speed, are some of the main reasons, for increase of accidents. It is therefore very imperative, that persons of impeccable integrity are put on the sensitive jobs. Some may say, most of the govt jobs are sensitive. Yes, these are, but some are certainly, more than the others. Traffic policing & issuing of driving licenses, fall in that category.

Let us also face it squarely. There is corruption . This is one of the main cause of accidents. I personally consider, corruption as the HIV/AIDS of our administrative system.
Compromising on the state of fitness of vehicles, issuing of licences, booking of traffic offenders, apathy in construction & maintenance of roads & attendant infrastructure-proper geometry, signage, signals, lighting, by some of the concerned local authorities- officials/engineers are other reasons for accidents. One can understand, if India was short of working hands.

Then there was no alternative but, to continue with the corrupt, careless, un-trained people in various organizations of the govt is understandable. But, we in India, do not have problem of shortage of human resources.

When will `sarkari`, means real no-nonsense business/profession? At the moment, it only means-one can even get away with murder, if one has contacts/money!? How sad for the country of more than one billion & the aam admi?

The bureaucracy & the judiciary need to play very very vigilant & strict role, in the area of dealing with offenders-merchants of death. Decisions have to be quick & un-biased.
Besides, community , media, & civil society groups, will have to play pro-active positive role.
Thought provoking films need to be made & screened on TV to sensitise the citizens/community. In schools & in colleges, curricular should have space for imparting education, on need for values & ethics. Acquisition of money, by any means, need to be denigrated.

There need to be control on expanding numbers of vehicles on roads. Not, that no to Nano, but control? Public transport need to be made efficient. In this connection, one really wonders, why it took so long to enforce fitting of governors in buses. Even now reports are there that the same are being manipulated/fiddled with, and the authorities looking the other way?!

Take it for granted, there are no miracles going to happen, to minimize accidents. In India about 1.25 lakhs die every year in road accidents & ten times of this number get injuries-some of serious nature! The System, need/have to be [made] accountable, sensitive, responsible and responsive, on a sustainable basis.,if we want to make a difference.

There is no other way.
In my article, I have not quoted findings of national/international studies, on causes of accidents & remedial measures. Because, I personally feel, solution lies with all of us We all know it. The need is to implement the solutions rigorously. This is true, for other areas of administration/ governance, too.

Many organizations/groups in India & abroad, are working in the area of road safety. It will be discussed in the next article.

Writer is a Senior Fellow, Institute of Social Sciences, New Delhi
& Convener `Social Outreach Programme` Committee IIT Delhi Alumni Association

Source: Dwarka Parichay News & Info Services

Let us pledge for eye donation now

2009-12-29T17:04:00.004+05:30

Arvind Agrawal

There are an estimated 1.21 crore blind people in the country. Of these, three million suffer from corneal disorders, 26% of whom are children. Fortunately lost sight can be restored through the medical intervention of corneal transplantation through the donated eyes.

Only about 10,000 corneal transplants are being done every year due to the shortage of donated eyes. This is mainly attributed to lack of awareness, hesitation and motivation.

Let us pledge for eye donation now.

Age does not matter. Spectacle wearers, diabetics hypertensive and people suffering from systemic disorders like asthma, tuberculosis can also donate eyes.

Eyes have to be removed within six hours of time of death.
If someone unfortunately dies in the family or friend circle, remember to call the nearest Eye Bank (please see the attachment for the details of major eye banks in delhi) or dial 1919 (all india toll free no. to connect automatically to nearest eye bank). This can be done irrespective of whether the deceased had pledged his/her eyes or not. Under the law, relatives of the deceased can donate his/ her eye provided he/ she (the deceased) had never spoken against eye donation. However for self commitment, we can pledge online at www.ebai.org/html/eyepledgeform.asp or fill the pledge form and send to any eye bank. Please also do not forget to tell about your pledge to your family members and friends.

Eye donation gives sight to two blind persons as one blind person receives one donated eye. The recipient of corneal will always remain anonymous but the donor family should be satisfied knowing that the eyes have been used to restore the vision of two blind persons.

"When we close our eyes in final rest know that two others will open in wonder at the world around them."

Let us pledge for eye donation on Sunday, the 3rd January, 2010 at Dwarka Health Club, Sector-7, Dwarka as Blind Persons Association, Dwarka is celebrating The 201st Birth Anniversary of Louis Braille. Venu Eye Institute will guide about Eye donation.

Click for more details.

Drawing competition organised on civic issues

2009-12-29T09:22:00.001+05:30

Like every year, this year also on the occasion of birthday of Sh. Naresh Lamba - President, Social Development Welfare Society ( Regd. NGO), Bal Chitrakar Drawing Competition was organised at sector-7, Dwarka. About 500 Children from Baba Ambedkar Welfare Samaj Kalyan Samiti, J.J. Colony Sector-7 Palam Extention, Rahul Model Public School Sadh Nagar, Sant Sunder Das Public School Vikas Nagar, Govt. Sahbad Mohamadpur, Kala Bhumi NGO and Dwarka and surrounding area participated in the Drawing competition. The Chief guest on the occasion was Sh. Vijay Pandit, MLA of Palam. Many eminent personalities from Dwarka and Palam were present on the ocassion. Some of them were Sh. Bhagwan Singh, SHO Sector-23, Dwarka, Sh. Sandeep Ahlavat, IT Deptt. of GOVT. of NCT Delhi, Sh. Ratan Lal Kaushik, Member Core committee Bhagidari, S/W Distt, Prof. A.P.Mittal Dean NSIT, Sh. Subhash, Inspector Delhi Police Accident investigation cell S/W Distt.
The venue was decorated with tricolor flags and poster from Deptt. Environment, MCD,
DJB etc. Paintings by Children were looking very attractive. The competition was organized in two age groups. Himanshu Golliya won Ist prize in group I category. Navrattan Saini won in II nd group. Bumper prize won by Kumari Dristi of Rahul Model Public School. Prof. A.P. Mittal Dean NSIT was judge in the drawing competition. Apart from prizes 60 children got gifts sponsored by associates.

Children from the society performed Dance on Vande Matram, I Love india, Dulhan Chali and everybody felt patriotism. Speakers praised the organization of Bal Chitrakar Drawing competition.
Sh. Naresh Lamba informed about starting of Jeevan services of Delho GOVT. Any one can pay various bills like Electricity, Water, Telephone etc. at this centre. He said resident of the area can avail these service and relax.

Sh. Lamba thanked all associates for full support in making the event a big success. On behalf of the society, Sh. Lamba gave memento to the supporters - Saksham Foundation, www.DwarkaParichay.com, Gram Vikas Association - Sahabad Mohd. pur Bhagidari, Vadi Lal Happienz, Bala Ji Toys Ramphal Chawk, Golden Printers, Brain O Brain, Hari Om Gupta - President RWA Palam Extn., Maulana Rahi, Capt S.J. Singh, Master Attar Singh, Seth Ram Singh.

Click for more Photographs of the event

Source : Dwarka Parichay News & Info Services

Set house in order first

2009-12-28T11:53:00.000+05:30

Joginder Singh ji
(Former Director - CBI)

After any terrorist incident, whether in Mumbai or Delhi, candlelight marches, seminars and protest rallies are organised to express the anger of the people. The objective is not only to assert the extreme unhappiness that the people feel about the state of affairs but also to show their resentment towards the Government.

However, the question to be asked is what can a common man do to help eradicate terrorism. Terrorism comes in various shades. Prime Minister Manmohan Singh, while addressing a conference of police chiefs in September, stated, “I have consistently held that Left-wing extremism poses perhaps the gravest internal security threat that we face. We have not achieved as much success as we would have liked in containing it. It is a matter of concern that despite efforts, the level of violence in the affected States continues to rise”.

These are the periodic sermons that are doled out to security personnel from time to time, without looking into the causes of the problem. Nobody cares if our security personnel have the adequate training, motivation and infrastructure to deal with these terrorists.

In the same vein, the Prime Minister said that Maoism could not be treated as a law and order problem and that dealing with Maoists required a ‘nuanced’ strategy.

I am frankly foxed and still cannot understand as to what the Prime Minister wants the police to do. Maoists are killing people and security personnel with impunity and all that the Prime Minister can say is that we need to reorient our strategy.

Mr Singh expressed concern at the rise in infiltration both across the LoC and also across the border with Nepal and Bangladesh. “Encounters with armed militants have become more frequent in recent weeks and months...secessionist and militant groups within the state are again attempting to make common cause with outside elements and have embarked on a series of protest movements,” he said.

In such a scenario, what a common man should do is a conundrum. The fight against terrorism is neither physically nor logistically possible for the common man to undertake. He has no access to weapons nor is there any Government-run programme to train him for intelligence gathering.

Even the local police, except in few places, is ill-equipped to fight terrorists. In the 26/11 terrorist attack on Mumbai, as opposed to the AK 47s the terrorists had, majority of the Mumbai policemen had only lathis and antique rifles to defend themselves.

During conversation with some people on the fight against terrorism and the role that the common man can play in this regard, it emerged that most of them were disgusted with the current situation. One of them told me that in our country criminals commit crimes in broad daylight without any fear of punishment. He continued that whether it is a criminal or a terrorist, no one is afraid of the law. My friend suggested that the Government should discard its hypocritical policy and make sure that anti-national elements are eliminated at the entry point to India.

Before involving the common man in the fight against terrorism, in which he is least interested, it will be best for the Government to put its own house in order. India has one of the lowest police-to-population ratios, as the following figures clearly demonstrate. India : 142 (police per lakh of population), Japan : 175, UK : 200, Germany : 300, Australia : 290, USA : 315.

What is required is not homilies or discourses but for the Government to shore up its police numbers and give our security personnel the equipment they need to protect the citizens. No amount of speeches by the powers that be will help solve the problem.

A country’s police force is a professional body and is not expected to talk to criminals and terrorists in double language as politicians do. It should be given the task of eliminating anti-national elements without any strings attached.

If any speeches are to be made and lectures given, then let the politicians and so-called human rights activists go to the affected areas and harangue with the terrorists and their sympathisers.

Also, the terror threat perception is not uniform all over the country. In relatively peaceful States, discussion on terrorism is only academic. Even where terrorists are active, the common man expects the Government to take the lead without exposing him to the wrath of the death-mongers. We should be prepared to die for our country, but not let our country die for us.

What I have been pleading has been frankly and openly accepted by the Union Home Minister who has said that given the imperatives and the challenges of the times “a division of the current functions of the Ministry of Home Affairs is unavoidable."

He wants a National Centre for Counter Terrorism which does not exist today. It has to be created from scratch. He added, “The Home Minister should devote the whole of his/her time and energy to matters relating to security”.

Admitting that the broad architecture of the new security system was an outcome of last year’s Mumbai attacks, the Home Minister further said, “A billion plus people felt they had been humiliated, and the country had been brought to its knees by a small band of terrorists. I, therefore, propose a bold, thorough and radical restructuring of the security architecture at the national level.”

The bottomline is either one has a terrorist problem or one doesn’t. There cannot be a half-hearted approach. It can only be hoped that the Home Minister is able to live up to the promises he has made to the country.

DDA TO ISSUE SHOW CAUSE NOTICE FOR DELAY IN SUPER SPECIALITY HOSPITAL

2009-12-27T18:04:00.000+05:30

M K Gupta

In reply to an RTI application filed by Dwarka Forum, the Delhi Development Authority (Institutional Land) has informed that the Delhi Development Authority will issue notice to the Muthoot Group to explain delay in the construction of Hospital. The DDA allotteed a plot I Sector 10 to Muthoot Group in June, 2004 for the construction of Super Specialty Hospital

According to the terms of allotment, the group was to construct the hospital building within 5 years from the date of handing over the physical possession which is already over but not even a single brick has been laid. The plot is being used of functions, meetings, Satsangs and learning driving while the Dwarkaites are crying for health facilities. Informed sources claim that this plot has changed hands four to five times and at present is in the hands of few property agents, the telephone numbers on the board at hospital site have been painted to hide them which indicates that something is suspicious and an inquiry will reveal the fact.

On the other hand, the first phase of Delhi Government Super-Specialty hospital of 500-bed in the first phases should be completed by the tentative date of August, 2010 but no activity is seen on the ground so far despite the claim made by the Delhi Health Minister, Ms. Kiran Walia has announced that the work is in progress there.

At present, for indoor treatment, the Dwarkaites either have to go to Mata Chanan Devi Hospital, Janak Puri, DDU Hospital, Mayapuri, Spinal Hospital, Vasant Kunj, AIIMS and Safdarjung or have to go to some private hospital locally available private hospital which are notorious to exploit such an emergency for their financial gains. In an emergency, the precious time is lost and at time, this becomes fatal. Now, population of Dwarka is over 5-lakh which will increase rapidly with the allotments of pending flats.

In Dwarka, there are some other sites also where for years, only the boards of Local Shopping Centre or Nursing Homes and so on are display without any activity to complete these projects. Residents appeal to the authorities to awake from slumber and do the needful.

How planets influence us

2009-12-27T04:30:00.000+05:30

Geeta - Spiritual Healer

Astrology is the science of planets, their positions and motion in solar system, and to co-relates them to various aspects of human life and help divination. The cyclic motion of heavenly bodies affects the great and small events of our life, directly or indirectly. Planets are celestial bodies whose movements are tracked by keeping the Earth as central point. Our earth is constantly pulled by the gravitational force of the Sun, is therefore revolving round the Sun. The earth too has its gravitational force which keeps the Moon revolving around it. In the same way each planet exerts their influence on earth by their gravitational force. Thus the gravitational force is experienced by all heavenly bodies from large galaxies to smallest particles.

The gravitational force is the attractive force between two heavenly bodies which keeps them revolving around their respective orbits. All the planets have specific rate of motion in their orbits. The planets influence beings on earth in consonance with their rate of motion. Following planetary parameters influence the life on the earth.

*Average distance from Sun
*Period of revolution around Sun
*Rotation period on their axis
*Their mass
*Their density
*Their temperature
*Their atmosphere[main constitution]
*Their equator diameter
*Their specific gravity
*Their number of satellites

Each planet has its unique influence. For example Moon is the planet nearest to earth, it is the only planet revolves round the earth, its speed is high as compared to other planets. So its influences on earth changes frequently. It is compared to human mind because of its tremendous speed. So it effects one's thinking and emotional behavior. Moon's has no atmosphere hence it makes the wavering of thought process. Most of the Moon's surface is in solid rocks of uranium, titanium , iron and magnesium it denotes the high intrinsic values of a person. The temperature on Moon is between 370k to 125k so its represent the cold related diseases like cough, cold etc. Because of its nearness to earth its affects water element in human being. As a illuminate it represent left eye of a man. In astrology it is represented as a mother. ... Continue .....

Get solution to your problems through Astrology, please send your question with Date - Time- Place of Birth with contact details to E-mail: dwarkaparichay@gmail.com

Expert Astrologer on Dwarka Parichay Panel will suggest solution for your problems...

JOIN JOY OF GIVING (VASTRA-SAMMAN) Of GOONJ

2009-12-26T23:49:00.001+05:30

Let us WELCOME the New Year 2010
by
JOY OF GIVING (VASTRA-SAMMAN)
Of GOONJ
(Winner of the ‘Indian NGO of the Year award)

Donate used Clothes, Woolens, Utensils, Footwear, Dry ration,
Umbrellas, Newspapers, Magazines, One-side used papers,
School material, Books, Toys, old Audio & Video Cassettes, etc.

[For more details, please visit – http://www.goonj.info/ ]

Collection Camp in
Kamakshi Apartments Complex,
Sector-6, Dwarka
on
Sunday 27th December, 2009
TIMINGS: 10 A.M to 1.0 P.M.

Volunteers: Hari Dev Goyal, Flat No. 55, Intercom 1055
Shruti Joshi, Flat No. 116, Intercom 1116
Dimple Jain, Flat No. 3, Intercom 1003

Pledge for the Eye donation

2009-12-26T05:42:00.004+05:30

Blind Persons Association, Dwarka is celebrating The 201st Birth Anniversary of Louis Braille on Sunday, the 3rd January, 2010 at Dwarka Health Club, Sector-7, Dwarka, Delhi. The celebration will start from 10.30 A.M. onwards. Different programme like Kavi Sammelan, Cultural programme - vandana, welcome song, gazals will be the main attraction of the celebration. Sh. Joginder Singh (former Director-C.B.I.) will be the Chief Guest of the occasion. Besides the said celebration, Venu Eye Institute will held eye donation camp and people are invited to pledge for donate their eyes after the demise during the camp the same day.

All are invited.

ANIL KUMAR VERMA-9868552423
PRESIDENT
S.S.DOGRA-9811369585
PATRON
BLIND PERSONS ASSOCIATION, DWARKA

Get rid of ALCOHOLISM

2009-12-25T20:21:00.000+05:30

ALCOHOLICS ANONYMOUS

IS ALCOHOL A PROBLEM ?

FREE HELP
9899367382, 9818416944

GROUP ANNIVERSARY CELEBRATION CUM PUBLIC INFORMATION MEETING
DATE:-27-12-09 SUNDAY , TIME: -10.30 A.M. TO 2.00 P.M.
VENUS: - CHANDRA BHAGAT HOSPITAL
NEAR DWARKA FLYOVER

Information on alcoholism and recovery from the disease will be provided by volunteers
from Alcoholics Anonymous, who will describe their own experiences of suffering from
Alcoholism and their process of recovery.

More than two million people die each year because of alcoholism and related conditions.
Sadly, millions of people suffering from the disease in India are unaware of the nature of
their problem, or the existence of programs of recovery.

Alcoholics Anonymous is a world-wide fellowship of recovering alcoholics. Confidential
meetings of recovering alcoholics, who have joined together to share their experience,
strength and hope ; are held across Delhi every day.

Pride of Dwarka - Ashwini Kumar Lal

2009-12-24T21:28:00.010+05:30

Dwarka is proud of Ashwini Kumar Lal
Resident of Sector-6, Dwarka

Ashwini Kumar Lal, currently posted as Deputy Adviser in the Union Ministry of Statistics & Programme Implementation, New Delhi, is a civil engineer by profession. He has authored more than 70 technical papers on the diverse topics related to civil engineering such as concrete technology, low cost housing, innovative construction technologies, cost – effective building materials, disaster housing, rural housing, building maintenance, environmental issues including global warming, and project management, that have been published in several international/national journals of repute and symposia proceedings. He attended an advanced level training course on “Sustainable Urban Development and Pollution Control” at the University of New South Wales , Sydney ( Australia ) in 1997. Know more about him.

Article "searching for Life on Habitable Planets and Moons" that has been accepted for publication in the Feb. 2010 issue of the American journal, Journal of Cosmology, and since placed placed on the combined tracking systems of Harvard & NASA, and arXiv-world's most prestigious repository of scholarly scientific papers maintained by the Cornell University, New York.

Brief of article - :

To Download full article pdf file go to the end of this post.

Searching for Life on Habitable Planets and Moons

By Ashwini Kumar Lal

Earth is the only known inhabited planet in the universe to date. However, advancements in the fields of astrobiology and observational astronomy, as also discovery of large varieties of extremophiles with extraordinary capability to thrive in harshest environments on Earth, have led to speculation that lifemay possibly be thriving on many of the extraterrestrial bodies in the universe. Coupled with the growing number of exoplanets detected over the past decade, the search for the possibility of life on other planets and satellites within the solar system and beyond has become a passion as well as a challenge for scientists in a variety of fields. This paper examines such possibility in the light of findingsof the numerous space probes and theoretical research undertaken in this field over the past few decades.

1. IntroductionMany scientists and religious leaders believe life originated on Earth through processes that gave life to non-life. Many respond skeptically to the possibility there may be life on other planets. In contrast to the widely accepted beliefs in abiogenesis where the Earth is seen as the centre of the biological universe, theories of panspermia view life as widespread throughout the cosmos. Althoughpanspermia does not address the fundamental question as to when and where exactly life originated first in the universe, it nonetheless does lend support to the possibility of life being found on other planets (besides Earth) and satellites within the solar system and beyond (Lal 2008).

Central to theories of panspermia is the belief that the “seeds of life” are ubiquitous (Arrhenius 1908, 2009), and that these “seeds of life” i.e. living creatures were embedded in meteors, asteroids, and comets, and deposited upon Earth as well as to other habitable bodies in the universe (Wickramasinghe et al. 2009 ; Joseph 2009). Considerable evidence has been presented in support of pansermia by Joseph (2000, 2009) and by Hoyle and Wickramasinghe (Hoyle and Wickramasinghe 1977, 2000 ; Wickramasinghe 1995). Wickramasinghe and colleagues have provided nearly convincing evidence that dust grains in interstellar clouds could contain spores, desiccated bacteria,and living microbes which survive in comets on cloud condensation to stars and planets....

2. Circumstellar Habitable ZoneCircumstellar Habitable Zone (CHZ), also known as „Godilocks Zone‟, is a region of space within a solar system where an Earth-like planet cable of supporting life is most likely to be found (Fig. 1&2). Astronomers in the 1970‟s referred to Goldilocks Zone as a remarkable small region of space that is not too hot, not too cold, and is just right for sustaining life. However, in the 1970‟s, it was thought that life could not survive extreme conditions i.e. no colder than Antarctica, no hotter than scalding waters, no higher than clouds, no lower than a few miles.....

3. Galactic Habitable Zone (GHZ)The Galactic Habitable Zone (GHZ) is a hypothesized spherical band that may be a likely place for terrestrial life to develop in a galaxy. It is essentially extension of circumstellar habitable zone to a galactic scale.....

4. Evolution of Probable Habitable Planets and SatellitesLammer et.al. (2009) have proposed a very useful classification of for planets and the evolution of life, and has demarcated four habitat types:Class I habitats represent planets or moons where stellar and geophysical conditions allow Earth-like life to take root and which would enable complex multi-cellular life forms to evolve....

5. Probability of Life on Habitable Moons of ExoplanetsIn our solar system, it is observed that the larger a gas giant, greater the total mass of its satellites. Going by this norm, extrasolar giants-more massive than Jupiter may have moons as large as Mars or even Earth (Le Page 2008).....

6. PanspermiaMost scientists subscribe to the view that life began through as yet unknown processes which yielded protocells possessing amino acids and nucleotides that were sparked with life (Menor Salván 2009; Sidharth 2009). It is reasonable to assume that if life could arise on Earth through biogenesis, then the same events can take place on other worlds if they possess the same chemistry. If so, life should be widespread, particularly microbial life. More complex life is another question....

7. Concluding Remarks
Discovery of over 400 exoplanets orbiting distant stars supports the likelihood that most Sun-like stars may be ringed with orbiting planets. Even if we accept the lower estimate that 10% of Sun like stars have planets (Marcy et al. 2005), this would indicate hundreds of millions of stars in our galaxy and in billions of other galaxies, may provide an environment favourable to life....

Download full article.

Source: Dwarka Parichay News & Info Services

For a corruption FREE INDIA ...

2009-12-24T04:18:00.001+05:30

Delhi Lokayukta

Aims and objective of the Organisation
The institution of Lokayukta has been set up to inquire into the allegations against Public Functionaries in the National Capital Territory of Delhi and for matters connected therewith.

Mission/Vision
The mission of the Institution of Lokayukta is as under:-
To eradicate the vice of corruption, favouritism, abuse of position & power among the public functionaries.
To improve efficiency & to present correct image of the top public functionaries;and To promote fairness & honesty.

Wake up call by Justice Sarin
The present Lokayukta of National capital Territory of Delhi, Justice Manmohan Sarin assumed charge recently in November, 2008. Justice Sarin at the outset acknowledges that despite the institution being in existence for over 10 years, it has remained under utilized.

The statute envisages a significant role for the Lokayukta in the crusade against corruption in polity and public life. This needs to be fulfilled. One of the factors for under utilization is the lack of awareness of the existence of the institution of Loakyukta, its functions and utility.

It is necessary for the public at large to know about the existence, constitution and working of this institution for redressal of their complaints / grievances against highly placed Public Functionaries. The nature of complaint and grievances which can be entertained by the Lokayukta needs to be widely known, namely corruption, misuse of authority, nepotism and wrong doings of Public Functionaries. Further, the Lokayukta can also make recommendations with regard to procedures and practices which breed corruption or maladministration. The complainant and/or citizen coming forward must feel reassured that an independent authority would examine and deal with his complaint / grievance swiftly and fairly and make the recommendation to the Competent Authority. ...

FAQ

Contacts of Delhi Lokayukta
Office of the Lokayukta
Government Of NCT Of Delhi,
'G' Block, Vikas Bhawan,
I.P. Estates, New Delhi-110002.
Tel:2337-0570, 2337-0865, 2337-0561, 2337-0073
Fax: 2337-8155
Helpline No. 23370100
Web Link

Annual sports day celebrated in Govt. Senior Secondary School

2009-12-23T23:03:00.000+05:30

Govt. Senior Secondary School, Sahabad Mohammadpur celebrated its annual sports day on 23, December 2009. Students enjoyed and participated in various competitions. Student participated in sports like 100m, 400m race, spoon-lemon race, volleyball, badminton, long jump, shot put etc.Vice Principal Sh. Netrapal flag start the race and encouraged students to win in various sports competitions. Eminent personalities Sh. Chetrapal and Sh. Sarman ( Sarv Siksha Abhiyaan), Sh. Ashok Yadav, Sh. Naresh Lamba ( Vidyalaya Kalyan Samiti), Sh. Kuldeep Singh Solanki ( VKS Palam), Sh. Asgar Ali ( President, Kala Bhumi), Sh. G.S.Gahlot, Smt. S. Kutlu ( Education officer) shared their views graced the occasion.

On this occasion good decoration was done. Prizes were given to winners in various sports event. Sh. Netrapal told the regular sports events will help in building confidence, relations, social understanding in the students.

GOONJ organized 'Vastra Samman' collection camp in Dwarka

2009-12-23T21:26:00.002+05:30

Arvind Agrawal

Goonj's collection camp in dwarka held on 20.12.09.

GOONJ organized 'Vastra Samman' collection camp at Sector-11 (Aashirwad Chowk), . Mr. M.S. Gopinath, Dr. H.D. Goyal (Vice-President Dwarka Forum) and Munish Kundra also done volunteering service during the camp.
Dwarakites participated actively and contributed in the camp. Arvind Agrawal

SCHOOL ADMISSION – COST OF FORMS

2009-12-23T19:09:00.000+05:30

M.K. Gupta

This is the admission time and the admission forms will be submitted by 15th January, 2010. The cost of the admission form is Rs 25 and some schools are also selling prospectus or syllabus up to Rs 800 but their purchase is optional.

If any school compels to take these along with admission form and ask for more than Rs 25, online complaint of the same can be lodged with the Director of Education, Delhi Government against the same. Such incident may also be brought to the knowledge of the Forum so that, if decided, Forum can forward all such complaints in one go.

Special Vacation Batch for your children

2009-12-22T22:38:00.000+05:30

Special Vacation Batch for children

Start date : 24th December to 3rd January 2010

Time: 9 am to 11 am

CONTENT

1) Table Manners 6 hrs

2) Communication Skills 6 hrs

3) Public Speaking 6 hrs

4) Vocabulary building 6 hrs

Course Fee

New enrollments Rs 500/ only

Students already enrolled with AA Rs 450/only

Contact Mrs Raji Vishwanthan - 9871824122

Ascent Academy

D-977, Palam Extension, Sector-7, Dwarka, New Delhi 110045.

contactascent@yahoo.com Ph: + 919871824122,9953959774

Thanks for your support and cooperation

2009-12-22T21:20:00.004+05:30

Merry Christmas & Happy New Year 2010

Dear friend,

With the consistent support and cooperation from Dwarka residents since last five years, we are pleased to announce that www.DwarkaParichay.com has successfully completed 5 years on in December 2009. With the trust of Dwarkaites, DP is gaining popularity day by day not only in Dwarka but all over the WORLD. It is designed specifically for Dwarka sub-city and its surroundings areas.

Dwarka Paichay provides all kind of information ranging from the latest news, events, activities, functions, career, personal & professional counseling etc. Several professionals, businessmen, social activists, students, individuals, companies, and organizations are utilizing it. Dwarka Parichay also supports various social, charitable, religious organizations which work for the betterment of Dwarka sub-city.

We receive hundreds of queries about quality information regarding Schools, Institutes, Doctors, Clinic, Hospitals, Property, Services, Insurance, Investments, Beauty parlors, Computers, Garments, Restaurants, Electrical & Electronics, Jewelers, General Stores, Astrologers, Tarot, Gift Gallery, Legal services etc. etc. This has inspired us to provide quality & updated information to the Dwarka residents.

After analysing response/ feed back from thousands of Dwarkaites during last five years and keeping in view our mission ( save environment - save paper) ,
we launched

Dwarka Info e-magazine (Download )

Features of E-magazine

Send news, events, useful articles, tips etc.
for the next issue of the e-magazine.

Get FREE School Admission Guidance e-book - CLICK

Trusted services on Dwarka Parichay Panel

Hope for your continued support and cooperation.

Please forward this message to all your contacts and help
them discover all happenings in/ about Dwarka
( quick, reliable, quality informations) at one place.

We wish a better tomorrow for you.

Dwarka Parichay Team

Invitation for Bal Chitrakar - Drawing competition

2009-12-21T10:50:00.001+05:30

INVITATION

for

Bal Chitrakar
Drawing competition ( click for form)

for children age Class I to VIII

on 25 th December 2009 at 11.15 AM

Venue: A-64, Palam Extn. Sector-7, Dwarka
Near ICICI Bank

Chief guest

Dr. Yoganand Shastri,
Speaker of the Delhi Legislative Assembly

Shri Sushil Kumar, Dy. Secretary,
Deptt. of Information & Technology, Govt. of India

Lots of prizes for children

To participate call: 9891550792

Click for full details about the programme.
Organiser: Social Development Welfare Society
www.SocialDevelopmentWelfareSociety.org

Children are invited for a Star Gazing show at dwarka

2009-12-21T05:23:00.002+05:30

Dwarka Science Forum
is organising

a Star Gazing show

with the help of
Dr. Amitabh Pandey - well known Astronomer

on Tuesday Dec 22, 2009 between 7 Pm to 10 PM
at Brahma Apartments, Plot # 7, Sector # 7,
Dwarka, New Delhi 110 075

This event is mainly focused to benefit children of all ages
- in viewing and celebrating celestial objects.

All are invited with Children for learning and to have fun with stars.

TENANTS ARE SECOND CLASS CITIZENS FOR MANAGEMENT OF GROUP HOUSING SOCIETY IN DWARKA

2009-12-20T20:35:00.000+05:30

M. K. Gupta

Management of Shri Radha Group Housing Society, Plot No. 3, Sector 9, Dwarka has decided that the tenants will pay Rs. 1,500 per month as maintenance charges, while the owners will continue to pay Rs 1,000. It has also been proposed to charge Rs. 1000 per month for the second car and Rs 1500 for the third car from the tenants but this will not be charged from the flat-owners. Why this discrimination? The tenants do not use more facilities or parking space to warrant them for paying additional amount while getting same or equal services/ facilities. This amounts to unjustified discrimination between haves and have-nots.

It seems that the Management of the Society considers the tenants as second-class residents if not third class. Tomorrow, such practice may be followed by the Managements of others societies. Mr. Ashok Chaitanya, Advocate said that the practice may be declared illegal, if challenged.

Admission Criteria for Nursery class

2009-12-19T17:45:00.000+05:30

Request FREE e-book & e- magazine

Useful Informations - CLICK for details:

http://edudel.nic.in/

POWERS UNDER THE DELHI EDUCATION ACT AND RULES, 1973 AND THEIR DELEGATION AND AUTHORISATION

ADMISSION TO SCHOOLS AND FEES

ADMISSION TO RECOGNISED SCHOOLS

List of Supporting Documents to be Produced by the Parents
at the Time of Admission

1. Date of Birth Certificate of the Child
2. Medical Certificate of the Child (for children with special needs)
3. Pass Out Certificates of Father/Mother (School, Graduation, Postgraduation etc.)
4. Proof of Residence
5. Proof for Sibling (wherever applicable)
6. Proof for Alumni (wherever applicable)
7. Proof for any other criteria that the school may decide for the allocation of 20 points under School Specific Parameters

Illustrative list of parameters 1- 100 Points:
Residence within 3 KM -----------20 points
Sibling ----------------------------20 points
Alumni (father/ mother)---------5 points
Child physically disabled---------5 points
Qualification of Parent------up to 20 points
Girl child-------------------------- 5 points
School specific parameters ------------20 points
Transferable Govt. employees ---5 points

Suggested SAMPLE Registration Form for Nursery class

Read Instructions overleaf before filling up the form
Name of the School ---------------------Class
Last column to be filled by School office only (bracket portion indicates weightage points)

Address of the School
Name of the applicant
Date of Birth DD ---MM ----YYYY
Father’s Name Mother’s Name
Residential Address
Locality Code 1(20) [See Locality Code Below*]
Pin Code
Contact Phone No(s).
Email Address
Sibling Real brother/sister only
[Tick the appropriate] Yes No
If sibling in the same school, give details of sibling Sibling Name Class-Section

School Alumni [Tick the appropriate]
If Yes, year of passing
(A) Father Yes No
(B) Mother Yes No

Child with Special Needs Enclose authenticated documents]
Yes No

Educational Qualification [Tick highest qualification only]
Post Graduation OR Professional Degree
Graduation OR Equivalent
Sr. Secondary School Examination 10+2 OR Equivalent
Secondary School Examination 10th OR Equivalent
(A) Father
(B) Mother

Gender Boy Girl
Parents Occupation
Father / Mother
Occupation Code [For occupation code, see overleaf]
Designation
Organisation Name Organisation Add.
Single Parent Father Mother

[Tick one, only if applicable]
*Schools may indicate their own criteria for allocation of weightage points under this head.
General Instructions:
1. Use only black ball pen to fill the form
2. Do not enter registration number yourself
3. Do not fill anything in the last column of the form
5. Use the codes given below to fill in the section 1 (Locality Code) and section 7 (Occupation Code)
Residence Locality Code
Code Distance Range ---- Locality

O -----------[0-3 Km] ----XYZ Colony
A----------[Above 3 Km upto 5 Km]
B ----------[Above 5 Km upto 8 Km]
C ----------[Above 8 Km upto 10 Km]
D ----------[Above 10 Km]

Occupation Code
Code ----Occupation
ADV-------- Advocate
AWS -------Airways
ARC ------Architect
DEF ------Army/Navy/Air Force – Defence Services
BNK -----Bank Employee
BUS ------Business
CAC-------Charted Accountant
DOC ------Doctor
EDU -------Educationist
EMB -------Embassy Employee
FIN -------Financial Organisation Employee
HTL ------Hotel
CIV -------Civil Services
INT ------International Organisation
NWS -----Journalist/AIR/Print Media
MER ------Merchant Navy
OTH ------Others
PVT ------Private Sector Employee
PUB ------Public Sector Employee
RWS -----Railway Employee
SCT -----Scientist

*Any other occupations may be added.

CERTIFICATE FROM THE PARENT

I/we hereby certify that the above information provided by me/us is correct and I/we understand that if the information is found to be incorrect or false, the ward shall be automatically debarred from selection/admission process without any correspondence in this regard. I/we also understand that the application / registration / short listing does not guarantee admission to my ward. I/we accept the process of admission undertaken by the school and I/we will abide by the decision taken by the school authorities.

Neighbourhood Ladies Get-together for better Dwarka

2009-12-19T04:39:00.000+05:30

Neighbourhood Ladies Get-together has had their meeting recently at Mass CGHS Society, Sector 10, Dwarka, New Delhi. Twenty-five ladies attended it. They discussed various problems facing their surrounding areas . The Problems came up for discussion include - There are no lights in the neighbourhood parks' side roads and by lanes, and they have become the centre of criminal activities and anti-social elements. People are afraid to walk alone, especially ladies and children who have to go for shopping through that area. Often streetlights and traffic signals do not work. Open nallas are the breeding ground of mosquitoes. Roads, footpaths and service lanes remain unclean and garbage is not removed regularly. Dustbins kept on roads continuously emit foul smell. Roads and footpaths are broken in several places. Water scarcity is acute. MCD water Tank price has doubled.

Mrs. Cicily Kodiyan, Chief Convener of NHLGT delved upon to solve the various problems facing our area, that we have to awaken ourselves and feel the community responsibility. The Govt. has appointed various officers viz., Horticulture, Civil, MCD, Electricity, etc.to look after our area. but they are a drain on tax-payer's money. We should motivata them to perform their duties diligently. Our joint efforts only can make them move from their chairs and work.

Mr. Conal Aneja, President of the Mass CGHS Society congratulated the ladies for having organized such a meeting to solve the problems of the area. He said that with the coming together of the ladies, it is sure that they can solve the problems of their area and make Dwarka an enviable place. Ladies also wanted to have a space for building a temple in the area and for sanction of more post offices to meet the growing demand. They wanted MCD to spray against mosquitoes to prevent the alarming solute of Dengue. Here, Law and Order situation is also a big problem and the burglaries have started from inside the societies – steeling of batteries from transformers and gas cylinders has become common feature. After the meeting, the President, Mr. Aneja gave away a tea party. Mrs. Raj Kurup, Deputy Convenor of NHLGT stressed on the fact that even though we write letters under registered and certificate of posting, the Officers of Horticulture, electricity deptts., etc. never take pain enough to reply even though they are provided with huge office staff. Thus all our efforts go in vain and all our complaints fell on deaf ears. Mrs. Mohini Barara give Vote of thanks.