Monday, February 28, 2011

Fw: RETIREMENT


Dear jiji



Something on retirement ..............GOOD 


It seems that we are a society entranced with youth and good looks; retirement to many of us can be a symbol of aging and lack of direction. For most of our lives we have been obsessed with a hard work ethic and constant deadlines associated with a great deal of responsibility. There are many of us who have never slowed down from work and all of the pressures associated with it, and now faced with retirement we may be depressed and frightened. There may be fears about leaving the comfort of the workplace. Still, other unknown factors about how you will use all of the time available to you.


In order to enjoy retirement, you must give up the concept that to fear retirement would be comparable to fearing life. So get rid of the fear of retirement and think instead that retirement is not what you are giving up, but what you are gaining. Retirement is a time that you can start doing what you want to do and not what someone else is telling you to do. Think of retirement as living a life that you want to live rather than living a life that someone else wants you to live


There are many positive things about retirement. 


As you begin to list the positive aspects of retirement. you will get rid of your depression and find many interesting things to do . You might even wake up each day and think why didn't I do this retirement thing earlier.









 CA PRATIMA GANGWAL 
 9764020111           
visit my blog
<http://capratima.blogspot.com>

 

 

 





Sunday, February 20, 2011

Namaskar. This is to remind abt what happended in Property owners dinner meeting many years back.

There r always two sides of coin. Many a times one has seen only one side and shouts on top of voice abt what he thinks is right. This is one sidedeness, ekantawad, and ignorance so can be dubbed as foolishness. I have been fool all my life and god has given me a very bitter kick to start seeing the otherside too.
 
 
U may have forgotten but I have been constantly remembering this as burden and by writing this letter I am trying to wipe my sins and tears.
 
Pl. note that ur daughter had said some thing abt atrocities on women in open forum of a meeting of POA at Orient Club Chowpati. Till then I had expirienced only atrocities by women. I got and said something against her issues. I apologise for same. Pl. convey this to her. Coin has two sides. Jainism stronly recommends anekantwad. But I was a fool. Having taught lesson by god I come to you and ur daughter for fogiveness.
 
I am sure she must have faced sever trauma to gather courage to speak on atrocities on women. Due to my one sidede knowledge I washed away her issues with my oratory. But god and her hurt feelings have given me lesson of life. It has made me apologise to her so curse on me is removed and woken activist in me to work in that feild too and not against jusicial system, against rent act and against atrocities / negligieance of sr. citizens.
 
Hope you and ur beloved daughter will pardon me. Pl. let me know if I can be of any assistance to you  ur family and specially ur beloved daughter.
 
Folded hand apololies.
 
Thanks and Regards,
Alok Tholiya (S.E.O) M:9324225699


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

Namaskar. This is to remind abt what happended in Property owners dinner meeting many years back.

There r always two sides of coin. Many a times one has seen only one side and shouts on top of voice abt what he thinks is right. This is one sidedeness, ekantawad, and ignorance so can be dubbed as foolishness. I have been fool all my life and god has given me a very bitter kick to start seeing the otherside too.
 
 
U may have forgotten but I have been constantly remembering this as burden and by writing this letter I am trying to wipe my sins and tears.
 
Pl. note that ur daughter had said some thing abt atrocities on women in open forum of a meeting of POA at Orient Club Chowpati. Till then I had expirienced only atrocities by women. I got and said something against her issues. I apologise for same. Pl. convey this to her. Coin has two sides. Jainism stronly recommends anekantwad. But I was a fool. Having taught lesson by god I come to you and ur daughter for fogiveness.
 
I am sure she must have faced sever trauma to gather courage to speak on atrocities on women. Due to my one sidede knowledge I washed away her issues with my oratory. But god and her hurt feelings have given me lesson of life. It has made me apologise to her so curse on me is removed and woken activist in me to work in that feild too and not against jusicial system, against rent act and against atrocities / negligieance of sr. citizens.
 
Hope you and ur beloved daughter will pardon me. Pl. let me know if I can be of any assistance to you  ur family and specially ur beloved daughter.
 
Folded hand apololies.
 
Thanks and Regards,
Alok Tholiya (S.E.O) M:9324225699


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

Saturday, February 19, 2011

Why am I suffering from frequent urination?



Why am I suffering from frequent urination?

Wednesday, 09 February 2011
Answered by: Dr Dharm Raj Singh
Chief of Urology, Campbellton Regional Hospital, St. Joseph Health Center, New Brunswick, Canada
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Q. I am a 56 years old male suffering from frequent urination at night. Very little quantity of urine is formed and passed and after passing urine I do not feel that the bladder is empty. I also consulted a surgeon, who after examining the prostate, told that there is no prostatic enlargement.

A.  It seems that you have lower urinary tract symptoms (LUTS) in the form of nocturia and sense of incomplete voiding. Although your prostate is not enlarged on DRE (Digital Rectal Examination), your problems may be due to Primary Bladder Neck Obstruction or other obstruction in the lower urinary tract. You need to see an urologist who will do urinalysis, PSA test, uroflowmetry and residual urine measurement etc. A trial with alpha blocker medications like Tamsulosin may be given. If there is no improvement in the symptoms with medications or if there is blood in urine, then special tests like cystoscopy may be required to rule out other causes of obstructions.

Why am I suffering from frequent urination?

Wednesday, 09 February 2011

Answered by: Dr Dharm Raj Singh

Chief of Urology, Campbellton Regional Hospital, St. Joseph Health Center, New Brunswick, Canada

 

 

 

Q. I am a 56 years old male suffering from frequent urination at night. Very little quantity of urine is formed and passed and after passing urine I do not feel that the bladder is empty. I also consulted a surgeon, who after examining the prostate, told that there is no prostatic enlargement.

A.  It seems that you have lower urinary tract symptoms (LUTS) in the form of nocturia and sense of incomplete voiding. Although your prostate is not enlarged on DRE (Digital Rectal Examination), your problems may be due to Primary Bladder Neck Obstruction or other obstruction in the lower urinary tract. You need to see an urologist who will do urinalysis, PSA test, uroflowmetry and residual urine measurement etc. A trial with alpha blocker medications like Tamsulosin may be given. If there is no improvement in the symptoms with medications or if there is blood in urine, then special tests like cystoscopy may be required to rule out other causes of obstructions.





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/
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/



Why am I suffering from frequent urination?



Why am I suffering from frequent urination?

Wednesday, 09 February 2011
Answered by: Dr Dharm Raj Singh
Chief of Urology, Campbellton Regional Hospital, St. Joseph Health Center, New Brunswick, Canada
vote
now
Buzz up!
Google Buzz

Q. I am a 56 years old male suffering from frequent urination at night. Very little quantity of urine is formed and passed and after passing urine I do not feel that the bladder is empty. I also consulted a surgeon, who after examining the prostate, told that there is no prostatic enlargement.

A.  It seems that you have lower urinary tract symptoms (LUTS) in the form of nocturia and sense of incomplete voiding. Although your prostate is not enlarged on DRE (Digital Rectal Examination), your problems may be due to Primary Bladder Neck Obstruction or other obstruction in the lower urinary tract. You need to see an urologist who will do urinalysis, PSA test, uroflowmetry and residual urine measurement etc. A trial with alpha blocker medications like Tamsulosin may be given. If there is no improvement in the symptoms with medications or if there is blood in urine, then special tests like cystoscopy may be required to rule out other causes of obstructions.

Why am I suffering from frequent urination?

Wednesday, 09 February 2011

Answered by: Dr Dharm Raj Singh

Chief of Urology, Campbellton Regional Hospital, St. Joseph Health Center, New Brunswick, Canada

 

 

 

Q. I am a 56 years old male suffering from frequent urination at night. Very little quantity of urine is formed and passed and after passing urine I do not feel that the bladder is empty. I also consulted a surgeon, who after examining the prostate, told that there is no prostatic enlargement.

A.  It seems that you have lower urinary tract symptoms (LUTS) in the form of nocturia and sense of incomplete voiding. Although your prostate is not enlarged on DRE (Digital Rectal Examination), your problems may be due to Primary Bladder Neck Obstruction or other obstruction in the lower urinary tract. You need to see an urologist who will do urinalysis, PSA test, uroflowmetry and residual urine measurement etc. A trial with alpha blocker medications like Tamsulosin may be given. If there is no improvement in the symptoms with medications or if there is blood in urine, then special tests like cystoscopy may be required to rule out other causes of obstructions.





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/
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/



Tuesday, February 15, 2011

Avoid Alzheimer's with coconut oil!

 

Preventing Alzheimer's – Naturally!

While effectively preventing associated health risks, such as obesity, insulin resistance, high blood pressure and heart disease, these simple lifestyle changes can also help keep your brain in optimal working order well past your 60's.

  • Coconut oil - According to Dr. Mary Newport, D.M, whose husband was stricken with Alzheimer's disease, coconut oil may be KEY for not only preventing, but even reversing this disease. Certain cells in the brains of those with Alzheimer's become increasingly unable to use their primary energy souce, glucose. Without fuel, these brain cells die, contributing to the mental degeneration. But there's an alternative source of energy, known as ketones. Your body produces ketones naturally when you deprive it of carbohydrates (which further supports the recommendation to eliminate sugar and grains from your diet!), but you can boost ketone production by consuming medium-chain triglycerides, such as coconut oil.

    Dr. Newport made this connection when she discovered that the ingredient in a promising Alzheimer drug was nothing more than simple coconut oil-derived medium-chain triglycerides! Beneficial results were obtained at a dose of about 20 ml (4 teaspoons).

  • Optimize your vitamin D levels through safe sun exposure, a safe tanning bed and/or vitamin D3 supplements.

    through safe sun exposure, a safe tanning bed and/or vitamin D3 supplements.
  • Eat a nutritious diet, rich in folate. Ideally you'll want to design your diet around your nutritional type. Everyone, however, regardless of nutritional type will want to avoid fructose as much as possible.

    Strict vegetarian diets have been shown to increase your Alzheimer's risk, whereas diets high in omega-3's lower your risk. However, vegetables, without question, are your best form of folate, and we should all eat plenty of fresh raw veggies every day.

  • High intake of the omega-3 fatty acid DHA helps by preventing cell damage caused by Alzheimer's disease, thereby slowing down its progression, and lowering your risk of developing the disorder. Researchers have also said DHA "dramatically reduces the impact of the Alzheimer's gene."

  • Keep your fasting insulin levels below 3. There is no question that insulin resistance is one of the most pervasive influences on brain damage, as it contributes massively to inflammation, which will prematurely degenerate your brain.
  • Avoid and remove mercury from your body. Dental amalgam fillings are one of the major sources of mercury, however you should be healthy prior to having them removed.

     

  • Avoid aluminum, such as antiperspirants, non-stick cookware, etc.
  • Exercise regularly. According to one study, the odds of developing Alzheimer's were nearly quadrupled in people who were less active during their leisure time, between the ages of 20 and 60. I would strongly recommend reviewing the Peak Fitness Technique for my specific recommendations.
  • Avoid flu vaccinations as most contain both mercury and aluminum!
  • Eat plenty of blueberries. Wild blueberries, which have high anthocyanin and antioxidant content, are known to guard against Alzheimer's and other neurological diseases.
  • Challenge your mind daily. Mental stimulation, especially learning something new, such as learning to play an instrument or a new language, is associated with a decreased risk of Alzheimer's. Researchers suspect that mental challenge helps to build up your brain, making it less susceptible to the lesions associated with Alzheimer's disease.
  • Avoid anticholinergic drugs. Drugs that block acetylcholine, a nervous system neurotransmitter, have been shown to increase your risk of dementia. These drugs include certain night-time pain relievers, antihistamines, sleep aids, certain antidepressants, medications to control incontinence, and certain narcotic pain relievers.

    A recent study found that those who took drugs classified as 'definite anticholinergics' had a four times higher incidence of cognitive impairment. In those who were not carriers of the specific gene, APOE ε4 allele which I mentioned earlier in this article, the risk was over seven times higher.

    Regularly taking two of these drugs further increased the risk of cognitive impairment.

  • Ginko Biloba. Interestingly, studies have demonstrated that ginko biloba is effective in the treatment of Alzheimer's disease. One study published in 2006 found that the herb works just as well as Aricept (donepezil) in treating mild or moderate Alzheimer's-related dementia. It's important to realize that ginko biloba will not cure the underlying problem, however but it is certainly safer to use compared to conventional drugs.

Risk Factors for Alzheimer's

Researchers have determined that the primary genetic risk factor is the presence of the Apo lipoprotein E epsilon4 (APOE e4) allele, which is more common among Africans, Inuits, Amerindians, Northern Europeans than southern Europeans.

But genetics cannot account for the vast majority of Alzheimer's cases.

There is definitely something else affecting us and inducing these devastating effects...

Although we do not have definitive "proof" of what, specifically, causes Alzheimer's, a number of factors have been linked to an increased risk of dementia, and we know enough about those to in turn make educated recommendations for preventing this type of brain deterioration.

Following are a number of risk factors associated with an increased risk of Alzheimer's disease. For further information about each of them, please follow the links provided:

Health conditions:

Nutritional deficiencies:

Environmental toxins:

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Thursday, February 10, 2011

Will your Nominee get the money on your death?

Will your Nominee get the money on your death?- Legality-Very Important
Mail
Will your Nominee get the money on your death?
Did you think that your nominee is the person, who will get all the money
legally from your Life Insurance Policy and Mutual funds investments? Ha!
That is exactly what you'd think if you aren't aware of the legal aspects.
We assume a lot of things which sounds like they're obvious, but are not
true from the legal point of view. Today, we'll concentrate on nominations
in financial products.
For whom are we earning? For whom are we investing? Who, do we want
to leave all our wealth to, in case something happens to us? It might be
your children, your spouse, parents, siblings etc., or just a subset of these.
You also might want to exclude some people from your list fo
beneficiaries!. So you think you will nominate person X in your Insurance
policy, and when you are dead and gone, all the money goes to person
X and he/she becomes the sole owner? You're wrong, dude ! It doesn't
work that way. Let's see how it actually does!
What is a nominee?
According to law, a nominee is a trustee not the owner of the assets. In
other words, he is only a caretaker of your assets. The nominee will only
hold your money/asset as a trustee and will be legally bound to transfer it
to the legal heirs. For most investments, a legal heir is entitled to the
deceased's assets. For instance, Section 39 of the Insurance Act says the
appointed nominee will be paid, though he may not be the legal heir. The
nominee, in turn, is supposed to hold the proceeds in trust and the legal
heir can claim the money.
A legal heir will be the one whose is mentioned in the will. However, if a
will is not made, then the legal heirs of the assets are decided according
to the succession laws, where the structure is predefined on who gets how
much. For example, if a man during his lifetime executes a will. In the will,
he mentions his wife and children as legal heirs, then after his death, his
wife and children are the legal owners of his assets. It is essential that one
needs to execute a will. It is the ultimate source of truth and replaces the
succession law. Nominee can also be one of the legal heirs.
Important Mention the Full Name, Address, age, relationship to yourself
of the nominee. Do not write the nomination in favour of "wife" and
"children" as a class. Give their specific names and particulars existing at
that moment. If the nominee is a minor, appoint a person who is a major
as an appointee giving his full name, age, address and relationship to the
nominee.
Why is the concept of nominee?
So you might be wondering, if the nominee does not become the sole
owner, why does such a concept of "nominee" exist at all? It's pretty
simple. When you die, you want to make sure that the Insurance
company, Mutual fund or your shares should at least get out of the
companies and go to someone you trust, and who can further help, in
process of passing it to your legal heirs.
Otherwise, if a person dies and hasn't nominated anyone, your legal heirs
will have to go through the process of producing all kind of certificates like
death certificates, proof of relation etc., not to mention that the whole
process is really cumbersome! (For each legal entity! The insurance
company, the mutual funds, for the shares, for the real estate..) . So, to
simplify, if a nominee exists, these hassles don't happen, since the
company is bound to transfer all your money or assets to the nominee.The
company the goes out of scene & then, it's between nominee and legal
heirs.
Example of Nomination
Ajay was 58 years old who died recently in an accident. As his children
were settled, he wanted to make sure that his wife is the sole owner of all
the monetary assets. This includes his insurance policy and mutual funds.
So during his lifetime, he nominated his wife as a nominee in his term
insurance policy and mutual funds investments. However, after Ajay's
death things didn't turn up the way he wanted. The reason being Ajay did
not leave a will. Though his wife was the nominee in all his movable assets,
as per the law, his wife, along with children, were the legal heirs and all of
them had equal right to Ajay's assets.
One simple step which could have saved the situation was that Ajay
should have made a will which clearly stated that only his wife was
entitled to get all the money and not his children.
IMPLICATIONS OF NOMINATION ARE DIFFERENT FOR EACH CATEGORY !!
Nomination in Life Insurance
A policyholder can appoint multiple nominees and can also specify their
shares in the policy proceeds. Nomination in life insurance has one
limitation, as insurance policies are bought to secure your financial
dependents, your first choice of nominee has to be your family members.
In case you want to nominate a non-family member like a friend or third
party, you will have to show/PROVE the insurance company that there is
some insurable interest for the person. This happens because of a Clause
called PRINCIPAL OF INSURABLE INTEREST in insurance. Note that provision
of nomination in life insurance is related to Section 39 of the Insurance
Act. Note that as per LIC website
Nomination is a right conferred on the holder of a Policy of Life Assurance
on his own life to appoint a person/s to receive policy moneys in the event
of the policy becoming a claim by the assured's death. The Nominee
does not get any other benefit except to receive the policy moneys on
the death of the Life Assured. A nomination may be changed or
cancelled by the life assured whenever he likes without the consent of the
Nominee.
Make sure, you have a nominee for your policy for easy settlement of the
claim, if you do not have any nominee mentioned in the policy, it can turn
out to be a disaster for your dependents to get a claim.
Nomination in Mutual funds
In case of mutual funds, you can nominate up to three people, who can
be registered at the time of purchasing the units. While filling in the
application form, there is a provision to fill in the nomination details. Even
a minor can be a nominee, provided the guardian is specified in the
nomination form. You can also change nomination later by filling up a
form which is available on the mutual fund company website. Nomination
in mutual funds is at folio level and all units in the folio will be transferred to
the nominee(s). If an investor makes a further investment in the same folio,
the nomination is applicable to the new units also. A non-resident Indian
can be a nominee, subject to the exchange control regulations in force
from time to time.
Nomination in Shares
Quiz for you . Now you know what a nominee means and who actually
gets the money. So if there is a husband H, with wife W and nephew N,
and he has nominated his nephew N to be the nominee of his shares in
demat account, who will have the legal right to own the shares after
husband's death? If you answer is wife, you are wrong in this case! In case
of stocks, it does not work the usual way, if a will does not exist.
In the verdict, Justice Roshan Dalvi struck down a petition filed by Harsha
Nitin Kokate, who was seeking permission to sell some shares held by her
late husband. The Court noted that as she was not the nominee, she had
no ownership rights over the shares. Ms Kokate's lawyer had argued that
as she was the heir of her husband who had died intestate (without a will),
she should have ownership rights of the shares, and be able to do
anything with them as she wished. In this case, Ms Kokate's husband had
nominated his nephew in favour of the shares. Justice Dalvi however
noted that under the provisions of the Companies Act and the
Depositories Act, Acts which govern the transfer of shares, the role of a
nominee was different."A reading of Section 109(A) of the Companies Act
and 9.11 of the Depositories Act makes it abundantly clear that the intent
of the nomination is to vest the property in the shares which includes the
ownership rights thereunder in the nominee upon nomination validly
made as per the procedure prescribed, as has been done in this case."
It means that if you have not written a will, anyone who has been
nominated by you for your shares will be the ultimate owner of those
stocks, The succession laws on inheritance will not be applicable but in
case, you have made a will, that will be the source of truth.
Nomination in PPF
Let me give you some shock first. If you have Rs 10 lakh in your public
provident fund (PPF) account and you have not nominated anyone for
your PPF account, your legal heirs will get maximum of Rs1 lakh only! Yes,
it's so important to have a nominee, now you get it. You can nominate
one or more persons as nominee in PPF. Form F can be used to change or
cancel a nomination for PPF. Also note that you cannot nominate anyone
if you open an account for a minor.
Nomination in Saving/Current/FD/RD Account in Banks
FD's also come with nomination facility. While opening a new account,
there is a column for nomination in the same form and you should fill it.
You can nominate two persons with first and second option. Note that in
case you have not done any nomination till now, you should request Form
No DA-1 from your Bank which is used to assign a nominee in future.
(Examples of ICICI Bank , HDFC Bank , Canara Bank) . In the same way to
change/cancel the nomination you need to fill up Form no DA-2. Read
about Corporate Fixed Deposits
As per a famous case, A Bench of Justices Aftab Alam and R M Lodha in
an order said that the money lying deposited in the account of the
original depositor should be distributed among the claimants in
accordance with the Succession Act of the respective community and
the nominee cannot claim any absolute right over it.
Section 45ZA(2)(Banking Regulation Act) merely put the nominee in the
shoes of the depositor after his death and clothes him with the exclusive
right to receive the money lying in the account. It gives him all the rights of
the depositors so far as the depositors's account is concerned. But it by no
stretch of imagination make the nominee the owner of the money lying.
MAKE A WILL! DO YOUR NEXT KIN A HUGE FAVOUR !
MAKE SURE YOU UNDERSTAND THE IMPLICATIONS OF LAWS.

Forward this email to all whom you feel should read it.
 
Thanks and Regards,
Alok Tholiya

Thursday, February 3, 2011

Fw: [kurla_improvement_intellectuals] Group

Every where jagruk/ enlightened/ responsible citizens r changing their locality but for TPS III / santacruz residents who love traffic jams/ noise/ dirt/ water logging/ flooding/ encroached foot path,etc etc .
Santacruz east has not a single good park like Bandra/ juhu / BKC has. It has not got any good recreation club.Nazma Haptulla  made one ( nr reliance energy)but is used for commercial activity etc etc . There is no good hospital no good mall no good theater but backward people like living like that.
 
Thanks and Regards,
Alok Tholiya (S.E.O) M:9324225699

----- Forwarded Message ----
From: jiten <jitu11in@yahoo.com>
To: kurla_improvement_intellectuals@yahoogroups.com
Sent: Thu, 3 February, 2011 10:07:10 PM
Subject: [kurla_improvement_intellectuals] Group

 

Hi friends,

Please be present for our groups photo to be published in Hindustan Times, with article on our group and its activities in last 5 years to improve Kurla, tomorrow, that is 4th Febury, at 12 pm on bridge across Mithi river, opposite MTNL, BKC, Kurla west.

Also a Good news, Railways have issued tenders for completion of pending work of Kurla Subway, and railways pending work would be completed in 9 months by year end. We need to press on BMC also to issue such tenders to complete their part and open the subway.

so see u tomorrow at 12 pm. lets make it a big success

rgds,

jitendra gupta

9819235160

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