Tuesday, February 15, 2011
ಪರೀಕ್ಷಾ ಭಯ ನಿವಾರಣೆ ಮತ್ತು ಓದಿನಲ್ಲಿ ಏಕಾಗ್ರತೆ -ಕಾರ್ಯಗಾರ
ಸಂಪನ್ಮೂಲ ವ್ಯಕ್ತಿಯಾಗಿ ಆಗಮಿಸಿದ ಖ್ಯಾತ ವಾಗ್ಮಿ , ರೋಟರಿ /ಜೆಸಿ ಮುಂತಾದ ಸಂಸ್ಥೆಗಳ ಅಂತರ ರಾಷ್ಟ್ರೀಯ ಕೋಚ್ ಆದ ಶ್ರೀ ಎಸ್. ವಿ ಶಾಸ್ತ್ರಿ ಯವರು ಪ್ರಾರಂಬದಲ್ಲಿ ಒಂದು ದಿನದ ಕ್ರಿಕೆಟ್ ಪಂದ್ಯ, ಟ್ವೆಂಟಿ -ಟ್ವೆಂಟಿ ಕ್ರಿಕೆಟ್ ಪಂದ್ಯ ಇವುಗಳಿಗೂ ಮತ್ತು ಪರೀಕ್ಷೆಗಳಿಗೂ ಇರುವ ಸಾಮ್ಯತೆಯನ್ನು ಮನಮುಟ್ಟುವಂತೆ ತಿಳಿಸಿದರು. ಮುಂದುವರಿದ ಅವರು ಪರೀಕ್ಷೆಯಲ್ಲಿ ಬರೆಯುವ ಬಗೆ, ಯಾವುದೇ ಪ್ರೆಶ್ನೆಯನು ಬಿಡದೆ ಬರೆಯುವರೀತಿ, ಪರೀಕ್ಷೆಯ ಪ್ರೆಶ್ನೆ ಪತ್ರಿಕೆಗೆ ಅಂಕ ನೀಡುವ ರೀತಿ, ಪರೀಕ್ಷೆಯಲ್ಲಿ ಮಕ್ಕಳು ಸಾಮಾನ್ಯವಾಗಿ ಮಾಡುವ ತಪ್ಪುಗಳು, ಅವುಗಳನ್ನು ಹೋಗಲಾಡಿಸುವ ಬಗೆ, ಇವುಗಳ ವಿಚಾರವಾಗಿ ಉದಾಹರಣೆಯೊಂದಿಗೆ ವಿವರಿಸಿದರು. "ನಾನಲ್ಲದೇ ಬೇರಾರು " ಎಂಬ ಮಾತನ್ನು ನೆನಪಿಟ್ಟುಕೊಳ್ಳಲು ಕರೆ ನೀಡಿದ ಅವರು ಆತ್ಮವಿಶ್ವಾಸವನ್ನು ಬೆಳೆಸಿಕೊಳ್ಳುವ ಬಗೆ , ಏಕಾಗ್ರತೆಯನ್ನು ಮೈಗೂಡಿಸಿಕೊಳ್ಳುವ ಬಗೆಯನ್ನು ತಮ್ಮ ಸ್ವಂತ ಕಥೆಯನ್ನು ಹೇಳಿ ನೆರೆದ ಮಕ್ಕಳನು ಮತ್ತು ಅವರ ತಂದೆ ತಾಯಿಯರನ್ನು ಪೋಷಕರನ್ನು ರಂಜಿಸಿದರು. ಸುಮಾರು ಎರಡು ಗಂಟೆಗಳ ಕಾಲ ಮಾತನಾಡಿದ ನಂತರ ಅವರು ಸುಮಾರು ಒಂದು ಗಂಟೆಗಳ ಕಾಲವನ್ನು ಪ್ರಶ್ನೋತ್ತರ ಕಾಲವನ್ನಗಿ ಮೀಸಲಾಗಿಟ್ಟರು. ಇದರಲ್ಲಿ ಮಕ್ಕಳು ಮತ್ತು ಪೋಷಕರು ಅನೇಕ ವಿಚಾರಗಳನ್ನು ಕೇಳಿ ತಿಳಿದುಕೊಂಡರು.
ಸುಮಾರು ೫೦ ಮಕ್ಕಳು ಬಮತ್ತು ಪೋಷಕರು ಭಾಗವಹಿಸಿದ್ದ ಈ ಕಾರ್ಯಕ್ರಮವು ಅತ್ಯಂತ ಯಶಸ್ವಿಯಾಯಿತು. ಅಂತ್ಯದಲ್ಲಿ ಸಮಾರೋಪ ಸಮಾರಂಭದ ಅಧ್ಯಕ್ಷತೆಯನ್ನು ಗ್ರೂಪ್ ಸಿ ಸಂಘದ ಅಧ್ಯಕ್ಷರಾದ ಕಾಂ.ಎಚ್. ರಾಜಪ್ಪನವರು ವಹಿಸಿದ್ದರು. ಕಾಂ.ಎಚ್.ಆರ್. ಈಶ್ವರಪ್ಪ ನವರು ವಂದನಾರ್ಪಣೆ ಮಾಡಿದರು. ಶ್ರೀ ಎಸ್.ವಿ ಶಾಸ್ತ್ರಿ ಯವರನ್ನು ಕಾಂ.ಜಿ.ರಾಘವೇಂದ್ರ ಮತ್ತು ಕಾಂ. ಎಚ್.ವಿ.ರಾಜ್ ಕುಮಾರ್ ಮತ್ತು ಕಾಂ.ಎಚ್.ರಾಜಪ್ಪ ಇವರುಗಳು ಸನ್ಮಾನಿಸಿದರು. [Image][Image][Image][Image].
POSTAL BANK AND POSTAL ATM
Department of Posts is going to introduce Banking service through Post Offices. All post offices will also work as Post Banks. ATMs will also be introduced along with Postal Banks.
Department of post is going to launch post bank and prepaid card scheme very shortly all the regional heads of all circles have been directed to personally identify and expedite the manner of installation of ATM,s in Head post offices. RBI approval and License is awaited. As part of core banking process all existing accounts are now updated in computers. The circle heads are frequently stressed to complete the signature scanning of all A/c holders as early as possible. A centralized server possibly at Ghaziabad is proposed to be constituted which will automatically extract data from all HO & SO as when the counter clerk enters a transaction. The role Of SBCO will be minimized. The preservation of records at all HOs will be considerably reduced.
Under Prepaid card scheme which is to be launched in collaboration with banks,. all expenses are to be borne by banks. Cards will be issued to customers who have Savings account only and later expanded to other customers. With help of card one can withdraw money in POs/ Any ATM/make purchase in any merchant outlets. A minimum charge will be levied for each operation. Minimum load is Rs 1000 maximum reload to card is Rs50000. Maximum withdrawal is 10000 per day and only four times can a card be used in a single given day.
TAX EXEMPTION ON GRATUITY
The government has hiked the limits of gratuity payment from Rs 3.5 lakhs to Rs 10 lakhs. This enhanced limit is applicable to employees who retire, become incapacitated before retirement, expire or whose services were terminated on or after May 24, 2010.
As per Section 10(10) of Income Tax Act, gratuity is paid when an employee completes five or more years of full-time service with the employer. In respect of government employees, any death-cum-retirement gratuity received under the pension rules or scheme of the central or state government, or regulations applicable to the members of defence services, is not taxable.
In case of gratuity received under the Gratuity Act, 1972, any gratuity received to the extent that it does not exceed an amount calculated in accordance with the provisions of the Gratuity Act is not taxable. For employees receiving gratuity other than under the government pension or gratuity scheme and also other than under the Payment of Gratuity Act, the computation mechanism in respect of exemption limits has been specified in the IT Act. The Central Board of Direct Taxes (CBDT) has issued a notification increasing the overall tax exemption to Rs 10 lakhs.
The gratuity received by an employee is not taxable if it is received on his retirement, his becoming incapacitated prior to such retirement, termination of employment or if such gratuity is received by his widow, children or dependants on his death. Further, such gratuity does not exceed one-half month's salary for each year of completed service, calculated on the basis of the average salary for 10 months immediately preceding the month in which such retirement or death takes place, subject to the limits prescribed by the central government.
Salary for this purpose includes dearness allowance, but excludes all other allowances and perquisites. Also, as per some judicial precedents, completed service would mean a total period of service whether under one employer or more.
In case any such gratuities are received by an employee from more than one employer in the same financial year, the aggregate amount so exempt should not exceed the overall exemption limit. Similarly, if gratuities were received in one or more financial years, the exempt amount claimed earlier has to be taken into account while computing the exemption at present.
What is gratuity?
Gratuity is a retirement benefit. An employer may offer gratuity out of his own funds or may purchase a group gratuity plan from a life insurer. In case the employer chooses a life insurer, annual contributions as decided by the insurer have to be paid. The gratuity paid by the insurer will depend on the terms of the group gratuity scheme.
ET Bureau 13th February, 2011.
All you wanted to know about EPF and PPF
1. What is the difference between EPF and PPF?
Where Employees Provident Fund (EPF) serves all salaried employees, the Public Provident Fund (PPF) serves everyone - the employed, the unemployed, even children and housewives.
The access to the fund is also quite easy as any post office and some State Bank of India branches can help you open the fund. The purpose of a provident fund is to provide individuals some form of savings for their retirement years. Naturally, the EPF and PPF are for long-term savings.
2. What kind of income can one expect from PPF?
The returns from the fund are in the form of interest paid. The interest rate currently is 8 per cent compounded annually.The interest, however, is not paid out but is compounded (like a bank recurring deposit) till the maturity or withdrawal.With the current levels of inflation, real and stated, the returns from the PPF fund could be low. This is a typical asset-class mismatch.
3. Is there any capital appreciation?
Being a typical debt investment, there is no capital appreciation for the investment.
4. What is the risk involved with this investment?
There is hardly any risk for the capital or the returns from the PPF deposit.The risk, however, is with inflation, which could possibly reduce the value of the returns in the long-term, and the other disadvantage is the long lock-in period of 15 years.
5. How about liquidity of the investment?
PPF gives very little liquidity, too. The fund, as mentioned earlier, is for a minimum of 15 years. This can be extended for a further period of 5 years each, indefinitely.
The liquidity is in the form of withdrawals, which can be made from the fund from 7-year onwards. The withdrawal value is, however, limited to a maximum of 50 per cent of the average of the last 3 years' fund values.
After 7 years, one withdrawal can be made every year, based on the same condition.
6. What happens in the case of the death of the account holder?
In case of death of the account holder before the maturity of the account, the fund will be paid to the nominee/ legal heir.
7. How is PPF treated for tax?
This is where the PPF scores very high. Currently, The PPF comes under the Exempt- Exempt- Exempt category. This means that the amount invested gets tax benefits, the interest is not taxed and this applies for the final maturity amount as well. The investment gets benefits under Section 80C of the IT Act. The investment, however, is limited to a maximum of Rs 70,000 per year per person. This limit of Rs 70,000 includes the deposits made in the name of any dependent children.
8. Are there any other specific benefits that I need to know?
Some other unique benefits from the fund are:
1. There is no wealth tax on the value of the fund.
2. In case of insolvency, the money in the fund will not be attached to the assets. So, only this investment is truly ours, come what may. (Except for education in a philosophical sense).
This feature can be very useful particularly for business people in high-risk industries / businesses. The fund cannot help anyone if there is tax evasion though.
9. How does it score on convenience?
The fund scores high on convenience. As a savings tool, it is incomparable in terms of the flexibility of payment and quantum. You can make up to 12 contributions per year.
Each contribution can be as low as Rs 100 subject to a minimum of only Rs 500 per year.
There has to be at least one contribution per year. In case no payment is done for a whole year, there is a charge of Rs 50 when the next investment is made.
The objective is to make savings as comfortable and convenient for the minimum possible investment.
A minor disadvantage is that the fund is yet to go online. So, we have to carry our passbook and also face a queue to make the payment every time.
PPF is a typical savings tool but one has to invest for the long term. This means there is an asset-class mismatch.
But, on the convenience side, the fund scores pretty high for the flexibility that it offers.
There are additional unique advantages in the form of wealth tax and insolvency benefits from the Public Provident Fund.
On the flip side, the long-term (minimum 15 years) of the plan is a limitation.
Tuesday, February 8, 2011
PERSONALISED STAMPS FROM INDIA POST - MY STAMP
Now your Face also on Stamps !! Department of Post to launch Customized stamps. Next time when you post an envelop, you can have a portrait of yours struck on the place of stamp !!. This is a new scheme named as "My Stamp" which will be introduced in the World Philatelic Exhibition - Indipex 2011 to be held at New Delhi next week. The stamp will have two parts-the currency part and the photograph-detachable from each other. If the experiment with individual consumers is successful, Indian companies may also be allowed to carry their own logos and postage stationery in future, the spokeswoman added.
Thus Infosys, Wipro or Reliance may have its logo embedded in postage stationery, which can be personalised when a company achieves a certain milestone, as well. These milestones can be a large deal, a new CEO, an international listing or a big acquisition, which the company would like to be highlighted to its key audience.For now, personalised postage is allowed only for individual citizens. One can also bring one's own or spouse's photo with an ID card, to have it converted into a personalised stamp.
My Stamp Features*
Will be Introduced in World Philatelic Exhibition which is to be held in Delhi Next Week.*
You can your Face on the stamp.*
Currently applicable to Individuals only.*
Customer has to bring one's own or spouse's photo with an ID Card.*
Rs 150 for 8 stamp sheets.*
Stamp Background in 6 themes.*
Themes include Taj Mahal, Tale of Pancha Tantra, Trains, Wildlife, Aeroplanes and Sun Signs.* Initially available in selected Post offices only.
"'My Stamp' is a wonderful way to celebrate special occasions such as engagements, birth of a baby, or to send as greetings to loved ones,"
RURAL POST OFFICES MAY SET UP ATMs-
NEW DELHI: The government may allow post offices to set up automated teller machines, or ATMs , at rural areas, in an attempt to further strengthen the role of India Post in financial inclusion.
India Post, which is working on major improvements in the payment process for social sector schemes like NREGA, will set up ATM networks in selected areas to give people access to online banking services.
"Central, state and local governments are increasingly preferring government benefit payments to be routed through banks rather than using postal services. We need to innovate so as to continue to play dominant role in financial inclusion," said a senior official with ministry of communications and information technology.
According to the official, the move to provide ATM services to its account holders will put them on a par with banks and other financial institutions working in this space and further strengthen their case for a banking licence.
Earlier, a committee on micro finance and poverty alleviation working under the aegis of Planning Commission had also suggested setting up of Gramtells (rural ATMs) at Post Offices. At present, only 45% of the Indian population has access to basic banking services. The Postal Department, with its 1.55 lakh branches, already offers a host of financial services such as life insurance.
"We are working towards convergence of the reach of Postal Offices with the government's financial inclusion agenda," said the official. The plan for integration between different arms of the government on financial inclusion was also discussed in a meeting of the Committee of Secretaries, held last week.
"Various mechanisms have been proposed (for convergence) and are being discussed," confirmed a finance ministry official. The government is looking at opening five crore accounts in the selected 73,000 villages having a population of up to 2000, by March 2012.
The Economic Times
Friday, February 4, 2011
ಎಚ್ಚರ! ಯಾರೋ ಮಾಡಿದ್ದು -ಯಾರಿಗೋ ಉರುಳು
ಇತ್ತೀಚಿಗೆ ಅಂದರೆ ೧೯.೦೧.೨೦೧೧ ರಂದು ಗಾಜಿಯಾಬಾದ್ ನಲ್ಲಿ ಇಲಾಖೆಯ ಹಿರಿಯ ಅಧಿಕಾರಿಗಳ ತರಬೇತಿ ಶಿಬಿರದಲ್ಲಿ ಮಾತನಾಡುತ್ತ ನಮ್ಮ ಸಂಘದ ಪ್ರಧಾನ ಕಾರ್ಯದರ್ಶಿಗಳಾದ ಕಾಂಕೆ.ವಿ. ಶ್ರೀಧರನ್ - ಮ್ಯುಚುಯಲ್ ಫಂಡ್ ಗಳ ವ್ಯಾಪಾರದಲ್ಲಿ ಇಲಾಖೆಯ ಘನತೆಗೆ ಮುಕ್ಕು ಬಂದಿದೆ. ಜನರು ನಮ್ಮ ಇಲಾಖೆಯ ಮೇಲಿರಿಸಿದ ವಿಶ್ವಾಸವನ್ನು ದುರುಪಯೋಗವಾದಂತಾಗಿದೆ ಎಂದಿದ್ದರು. ಅದರ ಬೆನ್ನಿಗೆ ಆಘಾತಕಾರಿಯಾದ ಸುದ್ದಿಯೊಂದು ಬಂದಿದೆ.
ಕೋಲಾರ ಜಿಲ್ಲೆಯ ಚಿಕ್ಕಬಳ್ಳಾಪುರ ಸಬ್ ಡಿವಿಜನ್ನಿನ ನಂದಿ ಅಂಚೆ ಕಚೇರಿಯ ಚಿತ್ತೆನಹಳ್ಳಿ ಬಿ ಓ ವ್ಯಾಪ್ತಿಯಲ್ಲಿ ಸ್ಥಳೀಯ ಹಳ್ಳಿಯ ಜನರು ಆಗಿನ ವಿಭಾಗಿಯ ಆಡಳಿತವು ಹೇಳಿದಂತೆ ಯು, ಟಿ,ಐ ಅಡ್ವ೦ಟೆಜ ಫಂಡ್ ನಲ್ಲಿ ತೊಡಗಿಸಿದ ಹಣವು ಮೂರು ವರ್ಷಗಳಲ್ಲಿ ಎರಡು ಪಟ್ಟು ಹೆಚ್ಚ್ಚಾಗಿಲ್ಲವೆಂದು ದೂರಿ ಮೇಲ ಓವರ್ಸೀರ್, ಹಾಗು ಅಂಚೆ ನೀರಿಕ್ಷಕರನ್ನು ಘೆರಾವ್ ಮಾಡಿ ಹಿಡಿದಿತ್ತುಕೊಂಡಿದ್ದರು. ಪ್ರಸ್ತುತ ವಿಭಾಗೀಯ ಆಡಳಿತವು ಇವರ ಬಿಡುಗಡೆಗೆ ಯಾವುದೇ ಆಸಕ್ತಿಯನ್ನು ತೋರಲಿಲ್ಲವಂತೆ.
ನಂತರದಲ್ಲಿ ಅಂಚೆ ನಿರೀಕ್ಷಕರ ವಲಯ ಕಾರ್ಯದರ್ಶಿ ಶ್ರೀ ನವೀನ ಚಂದ್ರ ಮತ್ತು ಡಿಪಿಎಸ್ ಶ್ರೀ ಶರವಣನ್ ರವರು ಚಿಕ್ಕಬಳ್ಳಾಪುರ ಅಂಚೆ ನಿರೀಕ್ಷಿಕರೊಂದಿಗೆ ಮಾತನಾಡಿ ನಂತರ ಪೋಲಿಸ್ ಅಧಿಕಾರಿಗಳ ಮಧ್ಯ ಪ್ರವೇಶದ ನಂತರ ಅವರುಗಳನ್ನು ಬಿಡಿಸಲಾಯಿತಂತೆ. ಇಂದು ಚಿಕ್ಕಬಳ್ಳಾಪುರದಲ್ಲಿ ಆದದ್ದು ನಾಳೆ ಎಲ್ಲಾ ಕಡೆಯೂ ಆಗಬಹುದು. ನೌಕರ ಬಂದುಗಳೇ ಎಚ್ಚರ! ಯಾರೋ ಮಾಡಿದ್ದು ಯಾರಿಗೋ ಉರಳು