Explore the unexplored- Wayanad

This section is to introduce you to some unique cooooooooooool places you would love to visit on a holiday, places guaranteed to take you to an altogether different world, to the heaven called the Earth!!! Welcome to this very interesting section on places that are so pleasant and blissful, yet left relatively unexplored. My sincere efforts are only to make you familiar to such places, places which please your senses, places promised to take you on an enchanting tour of the greenary covered mountains, deep blue rivers and all that will make your holiday a perfect one!!!

This week, let me introduce you to WAYANAD.The waterfalls, mist covered valleys, spice plantations and wildlife sanctuaries entice you to make a trip to Kerala. With a lot of potential for adventure tourism like water rafting, mountaineering and rock climbing, this place is truly awesome!!!

The name WAYANAD has been derived from the expression "VAYAL NADU"-the village of paddy fields. Its a spice zone and almost every crop like coffee, black pepper, ginger, turmeric, cocoa, arecanut, tea ,rubber, vanilla etc..

         Location: 60KMS east of KOZHIKODE at an altitude ranging between 700-1200 met.

         Nearest Rail head: Kozhikode

         Trains: Trains like Mangala Express, Nethravati Express, garib Rath link it to Mumbai while trains like Rajdhani Express, Kerala Sampark kranti Express link it toDelhi and Marusagar express links it to Jaipur.

Smt. Devaki Pandit to sing in Vile Parle today

Renowned Indian Classical and light music singer Smt. Devaki Pandit will be singing in Tilak Mandir, Vile Parle East today. The concert is held in memory of SwarBhaskar Pt. Bhimsen Joshi who has sung in Vile Parle music circle for 25 times. Concert starts at 17:30. Members of Vile Parle circle will have to pay a nominal charge of Rs 10 whereas no-members will have to shed out a mere Rs 50 to attend this blissful concert. Tickets will be available at the auditorium before the commencement of the concert.

Types of Life Insurance in detail

Whenever we consider Life insurance as a product...this product is internally divided into 3 main types for satisfying customer needs.Those types have been demystified here:

1. Whole Life Insurance : A type of life insurance where the person/insured is protected throughout his life.As name suggests, this policy is meant to cover whole life of the insured.Some of the basic questions on whole life insurance:

•  How long I have to pay premiums?

The premium payments tenure can be decided by you, it can vary around 15 yrs to 40 yrs depending upon the amount and benefits.

• In case of death, how policy will proceed?

In case of Death, the policy proceeds would be directed to nominee. The benefit amount mentioned in Policy print(statement) with settlement charges will be handed over to nominee.

• Do I have to pay premiums till death?

Absolutely not. You can fix the tenure of premium payments and after that your policy will continue to remain active till the death.

NHI-National Health Insurance in Japan

Eligibility:
This insurance scheme is specially designed for the people who do not have Company/Business/Employer based Health Insurance plan.Eligible candidates can complete the enrollment procedure within two weeks.

How It works:
Person who has accepted NHI has to pay initial cost of medical facility...The major cost would be paid by NHI after the verification.

Three type of NHI are explained below:

• Basic Premium

For regular NHI members,Calculation: Total tax paid by NHI members * 0.80...this is Income Levy and then multiplying number of insureds by 31,200 .Also called as per capita levy.Adding these two levies annual Premium is calculated.

• Premium supporting for elderly

For older people having age more than 75,Calculation: Total tax paid by NHI members * 0.23...this is Income Levy and then multiplying number of insureds by 8700 .Also called as per capita levy.Adding these two levies annual Premium is calculated.

• Nursing Care

For people having long term care facility,Calculation: Total tax paid by NHI members by category 2 * 0.11...this is Income Levy and then multiplying number of insureds by 12,000 .Also called as per capita levy.Adding these two levies annual Premium is calculated.


For More information http://homepage3.nifty.com/drleoking/THE_KING_CLINIC/Japanese_National_Health_Insurance_(NHI).html

Social Insurance in Japan

The social Insuance plans offered by government are:
Employees' Health Insurance
National Pension
Employees' pension Insurance
Seamen's Insurance

For more information  http://www.issa.int/
http://www.sia.go.jp/e/index.html

MSRTC's Ashwamedh hits the road

MSRTC's multi-axle Volvo B9R buses introduced recently under the brand name Ashwamedh are now plying on Dadar-Pune-Dadar route. From next week onwards, they are also expected to run on Mumbai-Pune-Bangalore route.

MSRTC will induct 60 more Volvo B7R 9400 (i guess) buses by june this year. Inaddition, it will also play 32 seater midi buses, AC-Sheetal and Parivartan buses. Fare for Ashwamedh is Rs 270 for one way journey from Dadar to Pune and Pune to Dadar.
Schedule of these buses is not fixed and they run as per their availability.

'Kadi Tari Vedyagat' in Dombivali

Kadhi tari Vedyagat is a drama based on poems by Sandeep Khare, a well known face. Packed with power performances from Madhura Velankar and Vibhavari Deshpande, this play promises to be a full entertainer. The schedule of the program is as follows:
Venue: Savitribai Natyagruh, Dombivali
Date n Time: Saturday, 26th March 2011 @ 8pm
Tickets are priced at nominal rates of Rs 200/150/100 and are available at Rahul Enterprises and Akshay Book Depot.

Cheap Auto Insurance | Get Cheap SR22 Insurance

Cheap Auto Insurance Get Cheap SR22 Insurance

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How to Dance With a Bad Dancer - wikiHow

What is Social Insurance??

• The aim is to protect individuals who cannot afford topay premiums.
• These types of insurance policies are oftenly promoted by government.
• It provides benefits like pension, disability Insurance,Survivor Benefits and unemployment.

• In US, Social Insurance schemes are:

1. Social Security
2. Medicare
3. The PBGC program
4. Railroad retirement program
5. Unemployment Benefits
6. Industrial Insurance

For more information http://www.ssa.gov/

• In India,

1. Social Security and insurance, employment and unemployment
2. Welfare of Labour including conditions of work, provident funds, employers’ liability, workmen’s compensation, invalidity and old age pension and maternity benefits
3. for physicallly handicapped persons:ESIC and EPFO

For more information http://labour.nic.in/ss/welcome.html

What are the different types of Insurance??

1.       Social insurance               

E.g. OASDI, MEDICARE, UNEMPT

2.       Private insurance

1)      Life insurance

a)      Whole life

b)      Term

c)       Endowment

2)      Health insurance

a)      Annuity

b)      Disability income

c)       Long term care

d)      Medical, expense, health accident injury

3)      Non-life insurance

a)      Liability loss

b)      Workers compensation

c)       Property loss

Six Fundamental laws of Insurance

1. Indemnity : Insurance company covers the actual loss of policyholder/Insured.
2. Insurable Interest : The loss incurred must affect insured directly.
3. Utmost good faith/uberrima fides: Insurance company must conceal personal information about policyholder.
4. Subrogation : Insurance company gets legal rights to act on behalf of insured.
5. Cause of Proxima/proximate cause : Actual cause of loss.
6. Contribution : When claim is to be settled by one or more insurance compnies this concept comes into picture.

Terminology in Hindustani Shastriya Sangeet

A beginner in Hindustani Shatriya Sangeet always wonders about different terms used in context of it. I am trying to list a few very basic terms used in context of Indian Classical music:

Raga: A series of seven/lesser notes that make a melody. Each such combination of notes makes a unique melody and a unique raga is born. For instance, Raga Bhoopali/Bhoop has five notes Sa, Re, Ga, Pa, Dha

Bandish: Is a composition in a raga. Is also referred as Khayal.

Vilambit and Drut: Vilambit Composition forms the first half (or rathger two-thirds) of a raga, the introductory part which is sung at a slow tempo (Tempo is referred to as Laya) whereas Drut forms the final one-third of the raga usually sung at a faster laya.

Aaroh: An ascending combination of notes in a raga. The Aaroh in Raga Bhoop is Sa, Re, Ga, Pa, Dha.

Avroh: A Descending combination of notes in a raga. the Avroh in Raga Bhoop is Dha, Pa, Ga, Re, Sa.

Vadi and Samvadi: The melodic centre of a raga, Vadi is the note or the swar that is mainly responsible to bring in melody in a raga. The dominant note is the Vadi whereas the second most dominant note is Samvadi.

Sugam Sangeet Workshop by Ashok Patki

For the very first time in our town of Dombivali, renowned music director Ashok Patki will be organizing a workshop on Sugam Sangeet. The schedule of the program is as follows:

Sunday, 3rd April: Auditions - One or Two songs to be sung. Songs can be of your choice.

14th - 17th April: Workshop by Ashok Patki

Fees for the auditions is Rs 100 and that for the workshop is Rs 3500.

For further clarifications, please contact Amarendra Patwardhan on 9821065651

Key terms of Insurance

Insured : The person whose life is insured
Policyholder: The person responsible for paying premiums.

Note...insured and policyholder need not be same everytime.

Example...A father(policyholder) can take policy for his wife or children(insured)

Insurer: The company providing insurance benefits or selling policies.
Premium: The amount charged to policyholder for given policy.

What is Insurance..one liner...

In simple words, Insurance is nothing but preparation for unexpected event.

Insurance Basics

This blog is going to help all ...Insurance masters as well as Insurance starters!!
Check out this page daily....