Support the "Fight against corruption"

Wish the very best to the "A Company", as Manish Tewari mentioned yesterday. I appeal all the Indian to support the Fight against Corruption by sending a SMS to 51818 with the message

AKP Y – If you supports

AKP N – If not supporting.

Hurray…….My LPG Connection is alive for ever.…

Nowadays most of the bangaloreans are busy to submit their electricity bill and LPG documents to keep alive their LPG to enjoy the homely food. Most of us have already submitted the requisites. Still most of waiting to know whether the documents are accepted by the Food, Civil Supplies & Consumer Affairs department of Karnataka, and whether their LPG connection will be alive further or not. Let me clarify to all if you submitted the documents, please visit the Food, Civil Supplies & Consumer Affairs department site (http://web1.kar.nic.in/fcslpg4/verify_ackno.aspx) and check the status of your submission by entering your acknowledgement number. If you viewed the positive response as you expected then it is party time else do not worry soon you might be receiving a SMS into your mobile form “TD-KA-FCS” which says “Your LPG Consumer Number ( 123456) with ACK  No 123456789 having Elect RR No ABC789456123 has been processed and accepted by food official. For more information visit the website”. If before 15^th-Aug-2011 not received anything, then better luck for next time. Again submit the documents at http://web1.kar.nic.in/fcslpg5/rcrr_upload_final.aspx

LPG Supplies in Bangalore won’t stop immediately

Scan the documents online, get them corrected quickly to avoid LPG disconnection


 

Secretary to Food, Civil Supplies and Consumer Affairs Department B A Harish Gowda on Wednesday maintained that the department had never told LPG agencies to immediately stop supply of gas cylinders to consumers whose connections have been identified as
suspended.

Speaking to Deccan Herald, Gowda said: “We are practical in this matter. We never told them (distributors) to stop supplying gas to consumers. Chances are that they will take orders and deliver if you order now. It will be a problem for the next supply if the details have not been sorted out by then. But if they are corrected now, then these suspensions will be deleted by then.”

What people need to do

Gowda said that consumers whose connections have been suspended due to errors in entering the details have two options.

One - to submit the scanned documents on the website: www.ahara.kar.nic.in
These documents will be checked on the same day of submission at the Deputy Director’s office.

The other option is to go to the nearest Deputy Director’s office in Bangalore urban and the tashsildar’s office in Bangalore rural and get the documents updated correctly.

“Some of the entries contain mistakes like wrong RR number. Mistakes like these will be rectified immediately in a matter of minutes from Thursday. I suggest people to use this option and get the problems corrected,” Gowda urged.
 
What not to do

People who have to get the entries corrected, have been asked not to go to their distributor.

“They (distributors) cannot do anything. All the entries are modified in our office and sent to them daily. They merely upload the information we send. There is no use of going to them to correct the problem,” Harish Gowda said.

Consumers found having multiple connections will be given an option of keeping the connection they choose. “Our inspectors will go with a list of connections to one household.  They can choose whichever they want to retain,“ Gowda added.

Bangalore, July 27, Deccan Herald News

How You Should Start Every Day For The Rest Of Your Life!

 

I’m a great believer of how you start your day will shape the rest of your day.

Start you day well…on a good positive, healthy note..and chances are…you will have a great day. You will feel strong, fit and all ready to take on the world. Well…the morning routine obviously does a world of a good. I got the gist down here, as well as his rationale for the routine. I try to keep at it as much as I can on a daily basis.

Here’s the way he advocates on how to start your day.

1. Set your alarm clock to go off 10 minutes earlier than usual.
2. The first thing, after you get up, is to immediately remake your bed.
3. Go to the kitchen, pour yourself a glass of water and drink it all.
4. Go to the bathroom, take care of "business," brush your teeth, wash the sleep out of your face and eyes and brush and comb your hair.
5. Next, put on some exercise clothes like sweatpants, a sweatshirt and sneakers.
6. Leave the house immediately and take a 20-minute walk.
7. As soon as you get back, woof down a nutritionally-dense protein drink with eight ounces of fat-free milk and a banana.
8. Scarf down a packet of vitamins and minerals like “Revital"
9. Take a shower.
10. Dress in fresh, crisp clothes and go about your day.

Pretty simple stuff, isn’t it? But, I’ll tell you this: If you will do this every day in 2011, it will create a more positive change in your life than anything else you can do. This regiment, although simple on the surface, has profound and somewhat complex and far-reaching psychological ramifications.

May I explain?

Thank you.

1. Set your alarm to go off 10 minutes earlier than usual. By getting a 10-minute earlier start, you tend to remove the "urgency" many of us experience as soon as we wake up. You’ll feel less harried, less hurried and a bit more peaceful.

2. The first thing, after you get up, is to immediately remake your bed. If you don’t do this, you will be starting your day… instantly… creating an "undone chore" which will nag at the back of your mind for the rest of the day. If you do this, you will start the day without having added a single, niggling little thing to your "to do" list.

3. Go to the kitchen, pour yourself a glass of water and drink it all. You do NOT drink enough water. Nobody in America does. Water is the elixir of elixirs. It flushes toxins out of your body, provides an environment which lets your electrolytes and all other aspects of your biochemistry function at maximum efficiency.

4. Go to the bathroom, take care of "business," brush your teeth, wash the sleep out of your face and eyes and brush and comb your hair. You’re getting ready for battle: The battle to have a good day. Doing all the above will wake you up a little, freshen you up a bit and "set-you-up" to get going.

5. Next, put on some exercise clothes like sweatpants, a sweatshirt and sneakers. Make this a ritual. You are dressing for battle: An assault on the forces of negativism.

6. Leave the house immediately and take a 20-minute walk. You’re outside, you’re breathing fresh air, you’re getting your circulation going, you’re becoming more mentally alert. Some of the fog begins to lift from your mind. You begin to notice your environment, see the colors of the fall foliage, the bloom of a spring flower, the dew on the grass on a summer morning, the untrodden snow in mid-winter. NOTE: This is NOT exercise. This is a loosening up; a "defogging" of your mind and allowing your body to gently warm up for its daily tasks.

7. As soon as you get back, woof down a nutritionally-dense protein drink made with eight ounces of fat-free milk and a banana. This will infuse your body with nearly all the vitamins, minerals, electrolytes, and other good stuff to help your body and mind function at peak throughout the day.

8. Scarf down a packet of vitamins and minerals like “Revital” More insurance you’re getting the minimum (at least) ingredients your body needs to run efficiently.

9. Take a shower. Part of the ritual of getting ready to battle the day.

10. Dress in fresh, crisp clothes and go about your day. Ritual completed. You’re loosened up, oxygenated, clean, crisp, nourished, starting your day with no added baggage.

Way out to submit the documents to keep your LPG alive.....

You can also submit your RR numbers and copies of APL cards online. Vist http://web5.kar.nic.in/fcslpg/main.aspx. This website can be used to submit the LPG Connection, electricity bill and ration card details. Read the instructions before you fill up the details.

For LPG Connection Details, First select the company of your LPG Connection such as Indane, HP, BP. Then select LPG Distributor from the list (If your Distributor name is not available you can contact Food and Civil Supplies Toll free number). Then enter your Consumer No & Consumer Name as given by Distributor. Then Enter your mobile number.

For submitting RR number & Ration card details, Enter your Ration Card No & Bescom details such as Location Code & RR Number as mentioned in Bescom Bill. Once everything is entered Scann the Copy of Main Page of LPG Card/LPG Bill, Copy of Ration Card (If you have ration card) and the copy Of Bescom Bill. Scan the document in black and white with low resolution so that size of the scanned file is less than 150KB and store in the file format of jpeg or gif. Then upload into the options one by one under Sl.No 4 Scanned Copies. If consumers do not have a ration card, while submitting details online, Enter ‘nil’ in the ration card number column and continue with the RR only.

  

Enter key as displayed in Security Check. Check the details entered before submitting.Once everything is entered correctly, click on the submit button. This would display an acknowledgement slip containing the details entered by you. Print a copy of acknowledgement slip for your purpose.

 

 Points to remember

 

• The * (in red) indicates details which have to be entered compulsarily.
• February 9 Deadline for LPG consumers to submit RR numbers and copies of APL cards
• Enter ‘nil’ in the ration card number column (for consumers without Ration Card)
• If your Distributor name is not available, call Toll free number 1800-425-9339
• Scan the document in black and white with low resolution so that size of the scanned file is less than 150KB
• Enter key as displayed in Security Check
• Check the details entered before submitting.Once everything is entered correctly, click on the submit button.
• Take print out of acknowledgment slip containing the details entered by you for your purpose

Is Your LPG gas connection is illegal? Check Now Here....

With the Karnataka government's announcement of a possibility of suspension of more than 9.1 lakh illegal LPG cooking gas connections, consumers are in dilemma to know the status of their connection.

Consumers are advised to check the status of their LPG connection as the civil supplies and consumers affairs had issued notification to suspend illegal connections. If your LPG connection is legal, you have to submit the documents within 15 days, otherwise the LPG connection will be suspended.

Recently, the government officials told that around 9.1 lakh of the 22,45,959 cooking gas connections in Bangalore city are illegal and government had recommended the oil PSUs to suspend 9,10,937 connections in the city for failing to produce documents like ration cards and electricity meter numbers or producing faulty documents.

Consumers can check the status of their connection on the website of the department of food and civil supplies(http://web1.kar.nic.in/fcslpg4/Main.aspx), three state-owned petroleum companies, and all local gas distribution outlets. Click here to check status.

"We have suspended those consumers who have not turned up with their documents or have not provided the RR numbers or there is a mismatch of RR number and LPG consumer number and LPG consumers with commercial RR numbers. But we are open to them if they furnish the correct documents … or apply directly at taluk offices," said Karandlaje, state Minister for food, civil supplies and consumer affairs.

Submit your documents online at http://web5.kar.nic.in/fcslpg/main.aspx

Have You Insured Your Home loan?

You have chosen your dream home, got the loan sanctioned and in a matter of months, you have now shifted to your new home, started paying your EMI, and start indulging in the making your living space as comfortable as possible etc.
Have we ever thought what if the loan borrower is not able to pay the home loan because of accident or some other reason?
Will his or her family have to move out of the house?
What will happen if the borrower is the only earning member of the family? These are important questions but we seldom think about it.Essentially, is there any way to ensure our home is ours despite these emergencies we may have to face in future?

Home loan insurance
Home loan insurance covers the loan liability of the borrower.
If the borrower, because of accident or death, is not able to pay back the home loan, the insurance companies will pay the loan.
Some insurance companies may pay just the outstanding while some pay the full loan.
This means that your family will not have to move out of the home.
This is very important for families where the only source of income is job. Home loan insurance doesn't cost much and hence this is advisable to take home loan insurance.

Home loan and loan insurance

 
Banks usually suggest borrowers to take home loan insurance but this is not mandatory.
There are cases banks have packaged the home loan insurance with loan and offered as bundle.
However, irrespective of whether this is mandatory, you should take home loan insurance to protect your family from unnecessary financial and psychological distress in any eventuality.
Borrowers may not opt for the home loan insurance and can still get the loan financed.
Some of the banks also give time to borrowers to apply for home loan insurance within the specified period. This means, you can take decision after due diligence.
The advantage of home insurance loan is that the payment of loan is done between the bank and the insurance company without your family running after insurance companies to pay to the bank.
Offers from different institutions

 
Most of the financial institutions, in collaboration with insurance companies, offer home insurance loan or simply protector plans that cover any kind of loan.
Here are the examples of insurance companies' offers in home loan insurance space.
Readers are advised to consult these institutions for their individual cases.

Insurance Companies	Plan	Tenure	Amount	Sum assured	Description
HDFC	Home loan protection plan	Up to 30 years	Minimum single premium is Rs 2000 per annum. It varies with individuals.	Decreasing sum assured. Maximum is 30 lakhs	Single premium facility available, applicable on outstanding, premium can be clubbed with home loan
ICICI Prudential	Home Assure	Up to 30 years	Minimum single premium is Rs 6000 per annum. It varies with individuals.	No limit	Single premium facility available, applicable on outstanding, premium can be clubbed with home loan
SBI Life	Dhanaraksha Plus SP	Up to 30 years	Depends on individual cases	No limit	Single premium facility, available for wide range of loans
Bajaj Allianz	Bajaj Allianz protector plan	Up to 30 years	Depends on individual cases	No limit	Single premium or regular premium payment

Important points to keep in mind when taking home loan insurance

·         If the borrower has decided to take the home loan insurance, he or she should keep the following points in mind.

·         The borrower should understand the coverage amount.

·         The insurance may cover only the outstanding or the full loan amount.

·         The borrower should know that in any case, the premium will be directly proportional to the size of coverage.

·         The home loan lenders have collaboration with insurers to offer both as a package.

·         The insured premium is added in the total loan and the borrower can pay loan and premium in EMI form.

·         Do research into the premium paid to several insurers for home loan insurance. It is advisable to pay for the insurance upfront than attach it to EMI.

·         The borrower should look at the tenure of coverage. Longer tenure is always preferable.

·         Finally, the borrower should also find out if the insurance benefit covers death, disability, or general loss of income because of any reason. Most insurers cover death.

Extracts from Bank Bazaar