HOW TO APPLY ONLINE FOR VOTER ID AT BANGALORE

log on to http://ceokarnataka.kar.nic.in/  the official website of karnataka's chief electoral officer, and click on the link online application. Once name, email ID and mobile number are provided, a unique login number and password will be provided to a new user. The user will then have to log on with the provided login number and password, and fill Form 6 online. A scan of a passport size photograph must be attached. "Though the application can be filed online, hard copies of address proof and identity proof have to be sent to a nearby voters facilitation centre. The address will be available on the hardcopy of the online form. Booth level officials will verify the documents and may conduct physical verification with this, the entire process of electoral identification can be done within a month. EPIC will be despatched to the applicant by post, or it can be collected from the booth level office,"


For Including Your Name in Electoral Roll        FORM NO: 6
For Deleting Your Name From Electoral Roll    FORM NO: 7
For Modifying Your Name in Electoral Roll           FORM NO: 8
For Transposing Your Name in Electoral Roll     FORM NO: 8A



GET VOTER ID IN COLLEGE
To ensure that every citizen is armed with EPIC, form 6 applications will be made available in all Bangalore colleges.
you are above 18 years can apply for voter ID.
With this, application for correction of name and age, and for addition and deletion of names form the list, can also be made online.
An applicant will get mobile updates on the status of the application.


FOR MORE INFORMATION:
http://ceokarnataka.kar.nic.in/

KBC Registration details soon announced, send us your email id to be updated

Now the Wait is over, the Date for the Kaun Banega Crorepati has announced, So be Prepare to fight with your Merit and Luck.

As the Date confirmed on Friday dated 4th of May the probable date for KBC Registration announcement on SONY TV will be done on 28th of May at 9 PM. So, Be Prepared to make it scheduled on your Calendar .

Hope you will have better luck this time. Enjoy getting knowledge since it is the only source of Money and Wisdom.

Send your email id to kbc6_2012@rediffmail.com , we will keep update you on the audition of KBC 6.

A chat with Dr.Devi Shetty, Narayana Hrudayalaya (Heart Specialist) Bangalore was arranged by WIPRO for its employees

The transcript of the chat is given below. Useful for everyone

Q: What are the thumb rules for a layman to take care of his heart?
Ans:
1. Diet - Less of carbohydrate, more of protein, less oil
2. Exercise - Half an hour's walk, at least five days a week; avoid lifts and avoid sitting for a long time
3. Quit smoking
4. Control weight
5. Control blood pressure and sugar

Q: Is eating non-veg food (fish) good for the heart?
Ans: No

Q: It's still a grave shock to hear that some apparently healthy person
gets a cardiac arrest. How do we understand it in perspective?

Ans: This is called silent attack; that is why we recommend everyone past the age of 30 to undergo routine health checkups.

Q: Are heart diseases hereditary?
Ans: Yes

Q: What are the ways in which the heart is stressed? What practices do you suggest to de-stress?
Ans: Change your attitude towards life. Do not look for perfection in everything in life.

Q: Is walking better than jogging or is more intensive exercise required to keep a healthy heart?
Ans: Walking is better than jogging since jogging leads to early fatigue and injury to joints

Q: You have done so much for the poor and needy. What has inspired you to do so?
Ans: Mother Theresa , who was my patient.

Q: Can people with low blood pressure suffer heart diseases?
Ans: Extremely rare.

Q: Does cholesterol accumulates right from an early age
(I'm currently only 22) or do you have to worry about it only after you are above 30 years of age?
Ans: Cholesterol accumulates from childhood.

Q: How do irregular eating habits affect the heart ?
Ans: You tend to eat junk food when the habits are irregular and your body's enzyme release for digestion gets confused.

Q: How can I control cholesterol content without using medicines?
Ans: Control diet, walk and eat walnut.

Q: Which is the best and worst food for the heart?
Ans: Fruits and vegetables are the best and the worst is oil.
Q: Which oil is better - groundnut, sunflower, olive?
Ans: All oils are bad .

Q: What is the routine checkup one should go through? Is there any specific test?
Ans: Routine blood test to ensure sugar, cholesterol is ok. Check BP, Treadmill test after an echo.

Q: What are the first aid steps to be taken on a heart attack?
Ans: Help the person into a sleeping position , place an aspirin tablet under the tongue with a sorbitrate tablet if available, and rush him to a coronary care unit since the maximum casualty takes place within the first hour.

Q: How do you differentiate between pain caused by a heart attack and that caused due to gastric trouble?
Ans: Extremely difficult without ECG.

Q: What is the main cause of a steep increase in heart problems amongst youngsters? I see people of about 30-40 yrs of age having heart attacks and serious heart problems.
Ans: Increased awareness has increased incidents. Also, sedentary lifestyles, smoking, junk food, lack of exercise in a country where people are genetically three times more vulnerable for heart attacks than Europeans and Americans.

Q: Is it possible for a person to have BP outside the normal range of 120/80 and yet be perfectly healthy?
Ans: Yes.

Q: Marriages within close relatives can lead to heart problems for the child. Is it true?
 Ans: Yes, co-sanguinity leads to congenital abnormalities and you may not have a software engineer as a child

Q: Many of us have an irregular daily routine and many a times we have to stay late nights in office. Does this affect our heart ? What precautions would you recommend?
 Ans: When you are young, nature protects you against all these irregularities. However, as you grow older, respect the biological clock.

Q: Will taking anti-hypertensive drugs cause some other complications (short / long term)?
 Ans: Yes, most drugs have some side effects. However, modern anti-hypertensive drugs are extremely safe.

Q: Will consuming more coffee/tea lead to heart attacks? 
Ans : No.

Q: Are asthma patients more prone to heart disease?
 Ans: No.

Q: How would you define junk food?
 Ans: Fried food like Kentucky , McDonalds , samosas, and even masala dosas.

Q: You mentioned that Indians are three times more vulnerable. What is the reason for this, as Europeans and Americans also eat a lot of junk food?
Ans: Every race is vulnerable to some disease and unfortunately, Indians are vulnerable for the most expensive disease.

Q: Does consuming bananas help reduce hypertension?
 Ans: No.

Q: Can a person help himself during a heart attack (Because we see a lot of forwarded emails on this)?
 Ans: Yes. Lie down comfortably and put an aspirin tablet of any description under the tongue and ask someone to take you to the nearest coronary care unit without any delay and do not wait for the ambulance since most of the time, the ambulance does not turn up.

Q: Do, in any way, low white blood cells and low hemoglobin count lead to heart problems?
 Ans: No. But it is ideal to have normal hemoglobin level to increase your exercise capacity.

Q: Sometimes, due to the hectic schedule we are not able to exercise. So, does walking while doing daily chores at home or climbing the stairs in the house, work as a substitute for exercise?
 Ans: Certainly. Avoid sitting continuously for more than half an hour and even the act of getting out of the chair and going to another chair and sitting helps a lot.

Q: Is there a relation between heart problems and blood sugar?
Ans: Yes. A strong relationship since diabetics are more vulnerable to heart attacks than non-diabetics.

Qn: What are the things one needs to take care of after a heart operation?

 Ans: Diet, exercise, drugs on time , Control cho lesterol, BP, weight.

Q: Are people working on night shifts more vulnerable to heart disease when compared to day shift workers?
 Ans: No.

Q: What are the modern anti-hypertensive drugs?
 Ans: There are hundreds of drugs and your doctor will chose the right combination for your problem, but my suggestion is to avoid the drugs and go for natural ways of controlling blood pressure by walk, diet to
reduce weight and changing attitudes towards lifestyles.

Q: Does dispirin or similar headache pills increase the risk of heart attacks?
 Ans: No.

Q: Why is the rate of heart attacks more in men than in women?
 Ans: Nature protects women till the age of 45. (Present Global census show that the Percentage of heart disease in women has increased than in men)

Qn: How can one keep the heart in a good condition?
 Ans: Eat a healthy diet, avoid junk food, exercise everyday, do not smoke and, go for health checkup s if you are past the age of 30 ( once in six months recommended) ....

Again LPG havoc - Submit the proper paper else you won't get the LPG refill

The food and civil supplies department has made it clear that LPG consumers must submit details of their connection to gas agencies, failing which they will not get their refill cylinders. Principal secretary, food and civil supplies, BA Harish Gowda told TOI on Monday that there will be no delay in supply of refill cylinders for those who have submitted valid documents . But those who haven’t may be in trouble because the department will deem their connection as bogus. There are 24 lakh illegal connections in the state, he said.


PVT AGENCIES SMILE 
Private players, meanwhile, are cashing on this confusion. Many have got new consumers, thanks to the time taken by the government to register a connection in the consumer’s name and the ongoing confusion over bogus connections. “In the past fortnight, we have given five new connections. Another six will be done in the next one week,” said Sonaram Choudhary of Mathaji Gas Agency in Bommanahalli.


COST FACTOR 
While a new LPG connection from a government agency will cost Rs 4,500, to get a refill, one has to spend anywhere between Rs 450 and Rs 480. Private gas agencies provide a connection for Rs 4,000 and a refill costs Rs 850 for one cylinder.

Extracted from : Times Of India, Bangalore

Test your office ergonomics!

1. How should your monitor be positioned when typing at your computer

A. Directly in front of your ergonomic keyboard

B. To the left of your ergonomic keyboard

C. To the right of your ergonomic keyboard

D. Below your ergonomic keyboard

2. Health and safety are not important in a workplace?

A. True

B. False

3. If you do not experience pain while doing repetitive tasks then you do not have to worry about cumulative trauma?

A. True

B. False

4. The best position for your mouse is:

A. On top of your keyboard

B. Behind your keyboard

C. Next to your computer monitor

D. Next to your keyboard

5. Should the telephone, documents and frequently accessed materials be within an easy arm’s reach while at your desk?

A. True

B. False

6. Your work surfaces should be plain and smooth without hard or sharp edges.

A. True

B. False

7. Should you adjust your work surface height when working at the computer every few hours, when you feel your muscles need a break?

A. True

B. False

8. Head, neck and trunk should be erect and not slouch.

A. Yes

B. No

9. Trunk to be about perpendicular to floor and not leaning forward/backward.

A. Yes

B. No

10. Shoulders and upper arms to be about perpendicular to floor and not relaxed or elevated.

A. Yes

B. No

Answers

A. Directly in front of your keyboard

B. False

B. False

D. Next to your keyboard

A. True

A. True

A. True

A. Yes

A. Yes

A. Yes

Affordable Maternity insurance

Maternity insurance is a health insurance which includes the costs related to pregnancy from delivery to care in hospitals, the hospitalization expenses, surgery, and pre and post hospitalization for 60 days. Some maternity insurance also covers the prenatal visits.


The exclusions of maternity insurance are it does not cover the unfortunate events of termination of pregnancy in the first 12 weeks. The insurance company which covers the maternity insurance is ICICI, United India insurance, Apollo DKV, health insurance, and many more.

The maternity insurance depend upon many factors like – on the profile of the company being insured, the industry in which it is operating and the risks factors associated with it. It can also depend upon the number of employees working there, the age profile of the employees and the previous health insurance claim ratios pertinent to the company. The advantages of maternity insurance include the save of money up to 60% on doctor’s visits, lab work, hospital stay, sonograms, and much more.

The maternity insurance does not offer the insurance for a lady who is already pregnant but some states offer mediclaimed health insurance or plans to low income families. You can have this insurance for a pregnant lady, have recently given birth, are adopting a child or are caring for a newborn. Having maternity insurance is the best option if you are planning to become pregnant. It offers maternity services as insurance coverage.

Steps to lodge claim when you have 2 health insurance policies

Preeti Kulkarni has written a good article in The Economic Times of January 6, 2010 on “Take extra cover for sake of your health”


The Heading carries the line “In many cases, claims can be made under both the policies” is very interesting .

The same article under the sub heading “Making a claim under two policies.” mentions

“Many policy holders tend to assume that they can file a claim under any of the policies they have signed up for, which may not always be the case; whether the individual can make a choice to claim depends on the provisions made in the policies taken.

Also, whether the individual can make a choice to claim depends on the provisions made in the policies taken. Typically, there is a declaration sought from the customer on the policies under which s/he is covered, and the total liability is shared by the insurers, informs.

The contribution clause in the policies states that claims can be made under both the polices, in the same ratio as the sum insured. For instance, if you are covered under a corporate policy with a sum insured of Rs. 2 lakh, in addition to a personal cover of Rs. 1 lakh and makes a claim for Rs. 1 lakh, the insurer servicing the former will contribute around Rs. 66,000 while the balance will come from the other insurer.

However, according to Pawan Bhalla, CEO of Rakish TPA, in India, policyholders are not legally bound to disclose the details of any existing policy or make a claim under any of the two policies they are covered under.”

Pawan has mentioned that it is not necessary to make the declaration to both the Insurance Companies.

Reality is that if the claim is of small sum then everything is fine. But if the claim is large and let us say the facts are

Policy 1 Coverage under corporate group policy = Rs. 5 Lakh
Policy 2 Coverage under own policy = Rs. 5 Lakh

Policy 1 was issued in 2003, and is continuing. A claim was lodged in June 2009, for Rs. 2 lakh and was paid.
Policy 2 was issued in November 2008 and is continuing. Insurance company 2 was not informed about existence of policy 1.

Let us say in January 2010 claim is to be lodged for Rs. 7 lakh.

This is the point at which problem like claim settlement arises when the claim is to be lodge with both companies. As only one set of original documents (Invoice bill / Receipt / Test Reports / Discharge Summary) can be issued by Hospital therefore if will become necessary for the client to reveal to both the companies about details of polices. If any document is required from Insurance Company (Policy 1) they will point out when you took this policy and why we were not informed about policy 2 on earlier occasion as they would have asked Insurance Company 2 to pay half of the claim amount of Rs. 2 Lakh. In most probability Insurance company 1 while paying the claim of Rs. 7 lakhs in ratio of 1;1 which means Rs. 3.50 lakh will deduct Rs. 1 lakh for June 2009 claim. In the absence of letter from Insurance Company 1 he can not go to Insurance Company 2. Alternatively if lodges original documents with Insurance Company 2 then he may find slightly easier but problem for claim settlement is bound to emerge.

Any effort to get 2 sets of original form Hospital is not suggested as Insurance Co’s / TPA’s are cautious and are trying to control frauds as many cases of multiple claims being lodged with more than 1 Insurance Company have been noticed / reported. In the end I will like to say you are buying Insurance for having peace of mind then it is better to reveal to both the Insurance Companies about the policy.