A Mother

 

 

 

Teri Ek Dua Ke Samne Wo Sab Dua Nakam Raheti hain,
~*
aye *MAA*
~*
Warnaa Meri Mout Ki Dua Karne Wale Bahot Hain Yaha..

                            

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Ten documents to secure for contingency

Keep tahese essential papers in place and inform at least one family member so that your heirs don't have to run from pillar to post to inherit what is rightfully theirs.

1) Primary documents
These include your birth certificate, marriage certificate, PAN card, passport, election ID card and the Aadhaar card. Will be needed when transferring assets to your heirs.

2) Insurance details
The purpose of life insurance will be defeated if your family is in the dark. Make a list of all the policies, mentioning the name of insurers, policy numbers, insured sums and the tenures.

3) Pension documents

If you have an NPS account, mention the account number and nomination details.
Give the pension account number with your employer.

4) Property papers
All property-related documents should be in one place. If the property is mortgaged, keep photocopies.
Mention the loan account number and the latest outstanding amount. If property is insured, mention policy coverage.

5) Bank account details
Make a list of various bank accounts, giving the name of the bank, the account number, holding pattern and the nomination details.

6) Bank locker details
Mention the name of bank, locker number, ownership pattern and whereabouts of the key. Maintain an inventory of items kept in the locker and update every time you operate it.

7) Demat account details
Give the name of depository partner, demat account number and nomination details. If possible, update the details of the securities in the demat account.

8) Other investments
Give details of the PPF account and folio numbers of other post office investments. Make a list of mutual fund investments, mentioning folio numbers, ownership pattern and nomination details.

9) Loans and Receivables
If you have taken or given private loans to relatives or friends, mention the amount and the date by when these are payable/receivable.

10) Online 10 passwords
Though these are to be kept secret, keep a list for emergency reference. Mention the website, the online ID and the password.

Keep this in mind
This information is to be kept secret and accessed only if the main breadwinner of the family has either died or is in a medical emergency.
Make sure to update the information regularly. How often you do this depends on your convenience and the changes in investments.
The information listed above is very basic. you may want to add more details of other assets along the same lines.
You may want to make an online version of this information as well, but make sure it is on a secure site.

Store your documents online

Worried that your documents are not secure? Digitising them could solve the problem. Many portals now offer to store digital versions of your documents, which can be accessed by anyone from anywhere, saving you the cost of buying and printing reams of paper.

You can make changes to the files offline and this can be synched automatically when you log on to the Net.

You can use services like Google Docs (docs. google.com), DropBox (dropbox.com) and Windows Live SkyDrive (explore.live.com/skydrive).

The latter lets you store up to 25 GB of data for free, while DropBox provides a free account of 2 GB, which can be upgraded to 50 GB for $9.99 (Rs 560) a month.

Kleeto (kleeto.in) is an Indian company, which allows you to store 15 physical documents for a basic subscription charge of Rs 200 a year. The company collects the files from you and uploads the scanned versions that you can access. Whenever you need the original documents, they can send them to you within two to three days.

You can store your medical history on Yostechnologies.com and MyHealthRecords. in, which let you upload scanned paperwork. This lets you access the information any time and avoids wastage of money on duplicate tests if you misplace a report.

There are also apps that help organise your paperwork and make good use of offers, such as Warrantify. This app allows you to scan your receipts and warranties, and store them on the cloud. You can add information about the model, price and warranty validity. The app will keep track of the warranty period and notify you when the expiry date approaches.

Making a will online
If you are tech-savvy, you can get a will made online. A few firms, such as Warmond Trustees & Executors and Vakilno1.com, offer this service. To make a will online, you need to register with the company and key in your personal and financial information. Once the details are uploaded, the company drafts a will and sends it to you within seven days. Besides making the will, these companies help with the registration and act as executors. The cost of this convenience: Rs 10,000. However, you need to have a digital signature for signing an online will. The two witnesses must also have digital signatures.

Following is a letter to his son from a renowned Hong Kong TV broadcaster cum Child Psychologist. The words are actually applicable to all of us, young or old, children or parents.!

 

 

Following is a letter to his son from a renowned Hong Kong TV broadcaster cum Child Psychologist.

 

The words are actually applicable to all of us, young or old, children or parents.!

 

I am writing this to you because of 3 reasons

 

1. Life, fortune and mishaps are unpredictable, nobody knows how long he lives. Some words are better said early.

 

2. I am your father, and if I don't tell you these, no one else will.

 

3. What is written is my own personal bitter experiences that perhaps could save you a lot of unnecessary heartaches.

 

Remember the following as you go through life

 

1. Do not bear grudge towards those who are not good to you. No one has the responsibility of treating you well, except your mother and I.

 

To those who are good to you, you have to treasure it and be thankful, and ALSO you have to be cautious, because, everyone has a motive for every move.

 

When a person is good to you, it does not mean he really likes you. You have to be careful, don't hastily regard him as a real friend.

 

2. No one is indispensable, nothing in the world that you must possess. Once you understand this idea, it would be easier for you to go through life when people around you don't want you anymore, or when you lose what/who you love most.

 

3. Life is short. When you waste your life today, tomorrow you would find that life is leaving you. The earlier you treasure your life, the better you enjoy life.

 

4. Love is but a transient feeling, and this feeling would fade with time and with one's mood.

 

If your so called loved one leaves you, be patient, time will wash away your aches and sadness. Don't over exaggerate the beauty and sweetness of love, and don't over exaggerate the sadness of falling out of love.

 

5. A lot of successful people did not receive a good education, that does not mean that you can be successful by not studying hard!

 

Whatever knowledge you gain is your weapon in life. One can go from rags to riches, but one has to start from some rags!

 

6. I do not expect you to financially support me when I am old, neither would I financially support your whole life.

 

My responsibility as a supporter ends when you are grown up.

 

After that, you decide whether you want to travel in a public transport or in your limousine, whether rich or poor.

 

7. You honour your words, but don't expect others to be so.

 

You can be good to people, but don't expect people to be good to you. If you don't understand this, you would end up with unnecessary troubles.

 

8. I have bought lotteries for umpteen years, but I never strike any prize.

 

That shows if you want to be rich, you have to work hard!

 

There is no free lunch!

 

9. No matter how much time I have with you, let's treasure the time we have together. We do not know if we would meet again in our next life .

 

Your Ever loving Dad.

Fw: //Dil Se Desi// Dedicated to a Dad by a Daughter

 

  
 

 

Dedicated to a Dad by a Daughter   14th of October, 2011. Grand Finale of Pantaloons Femina Miss India (UP) Moments to go before the 5 finalists are called out. The 12 contestants wait with baited breath as the emcee announces Top 5 Contestant No.2 Contestant No.3 Contestant No.4 Contestant No.5 Contestant No.12 The 5 finalists breathe a sigh of relief but it's now time for the deciding question. One by one the esteemed judges put forward their tricky questions. From why do you want to win this pageant to who would you like to go on a date with,From choosing between modelling and acting to deciding between success and riches, the finalists were put through all sorts of tests. In between all these questions and answers, there was one that won a thousand hearts that evening. "If it were the last day of your life, who would you spend it with, and why?" one of the judge posed the question to Contestant No. 4. Contestant No.4: … a few moments of thought and then came the answer:   'A Father has a prime role to play in the life of his daughter. He is the first male that a girl comes across and hence, becomes the role model of her life. She sees the reflection of men in the rest of the world, through her dad and often perceives that all men should be like her father. Right from her childhood to adolescence to adulthood, he plays an influential role in her life. He is the guide, the saviour, the protector, a friend and most importantly, the ultimate caretaker, who nourishes her in the loving and protective atmosphere set by him. I have seen my daddy assuming multi-faceted role, which keeps changing with the changing phases of my life. I would like to dedicate the last day of my life to my Father, and those 24 hours I would want to spend in his company.'   What followed was a thundering applause. The Emcee was amazed with the answer and the applause that followed. 'Is your lucky father around.' asked the Emcee. 'Yes, he is very much there' Contestant No 4 replied, Emcee requested the lucky father to please stand up wherever he was. The proud father stood up and waved his hand. Thousands of eyes turned towards him, cameras and flashlights moved towards the proud father. And there was another round of great applause for him. He was touched. He was emotional. He folded his hands and thanked the crowd for the applause.   There were tears in his eyes. He had received the greatest gift of his life from his daughter. This is a true story of love, affection and dedication of a Daughter towards her Dad demonstrated at MB Club, Lucknow. You may like to forward this to those who understand & value the emotional bond of a Daughter and a Dad. Regards, Manish Thakkar . 'If U Like What U do, U Never Have to Work Single Day of Your Life'

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Tips During an Emergency Situation

Everyone should take 5 minutes to read this. It may save your life or love one's life

-by a cop. Read Do not just delete it.

Please take note. This may have been circulated before but worth reading again. 

In an emergency situation....

This is for you, and for you to share with your wife, your children, everyone you know.

After reading these 9 crucial tips, forward them to someone you care about. It never hurts to be careful in this crazy world we live in. 

1. Tip from Tae Kwon Do :

The elbow is the strongest point on your body.

If you are close enough to use it, do! 
2.. Learned this from a tourist guide.

If a robber asks for your wallet and/or purse,

DO NOT HAND IT TO HIM.

Toss it away from you....

Chances are that he is more interested in your wallet and/or purse than you, and he will go for the wallet/purse.

RUN LIKE MAD IN THE OTHER DIRECTION!

3. If you are ever thrown into the trunk of a car,

kick out the back tail lights and stick your arm out the hole

and start waving like crazy..

The driver won't see you, but everybody else will.

This has saved lives.

4. Women have a tendency to get into their cars after shopping, eating, working, etc., and just sit

(doing their chequebook, or making a list, etc.

DON'T DO THIS!)

The predator will be watching you, and this is the perfect opportunity for him to get in on the passenger side, put a gun to your head, and tell you where to go.

AS SOON AS YOU GET INTO YOUR CAR ,

LOCK THE DOORS AND LEAVE. 

If someone is in the car with a gun to your head

DO NOT DRIVE OFF,

Repeat:

DO NOT DRIVE OFF!

Instead gun the engine and speed into anything, wrecking the car.

Your Air Bag will save you.

If the person is in the back seat

they will get the worst of it .

As soon as the car crashes

bail out and run.

It is better than having them find your body in a remote location.

5. A few notes about getting

into your car in a parking lot,

or parking garage:

A.) Be aware:

look around you, look into your car, at the passenger side floor , and in the back seat

B.) If you are parked next to a big van, enter your car from the passenger door.

Most serial killers attack their victims by pulling them into their vans while the women

are attempting to get into their cars.

C.) Look at the car

parked on the driver's side of your vehicle, and the passenger side... If a male is sitting alone in the seat nearest your car, you may want to walk back into the mall, or work, and get a guard/policeman to walk you back out.

IT IS ALWAYS BETTER TO BE SAFE THAN SORRY. (And better paranoid than dead.)

6. ALWAYS take the elevator

instead of the stairs.

Stairwells are horrible places to be alone and the perfect crime spot.

This is especially true at NIGHT!)

7. If the predator has a gun

and you are not under his control,

ALWAYS RUN!

The predator will only hit you (a running target)

4 in 100 times; and even then,

it most likely WILL NOT be a vital organ.

RUN, Preferably in a zig -zag pattern!

8. As women, we are always trying to be sympathetic:

STOP

It may get you raped, or killed.

Ted Bundy, the serial killer, was a good-looking, well educated man, who ALWAYS played on the sympathies of unsuspecting women.

He walked with a cane, or a limp, and often asked 'for help' into his vehicle or with his vehicle, which is when he abducted  his next victim.

9. Another Safety Point:

Someone just told me that her friend heard a crying baby on her porch the night before last, and she called the police because it was late and she thought it was weird.. The police told her

'Whatever you do, DO NOT

open the door..'

The lady then said that it sounded like the baby had crawled near a window, and she was worried that it would crawl to the street and get run over.

The policeman said, 'We already have a unit on the way, whatever you do, DO NOT open the door.'

He told her that they think a serial killer has a baby's cry recorded and uses it to coax women out of their homes thinking that someone dropped off a baby. He said they have not verified it, but have had several calls by women saying that they hear baby's cries outside their doors when they're home alone at night.

 

10. Water scam!

If you wake up in the middle
of the night to hear all your taps outside running or what you think is a burst pipe, DO NOT GO OUT TO INVESTIGATE! These people turn on all your outside taps full ball so that you will go out to investigate and then attack.

Stay alert, keep safe, and look out for your neighbours!

Please pass this on

This e-mail should probably be taken seriously because

the Crying Baby Theory was mentioned on America 's Most Wanted when they profiled the serial killer in Louisiana  

I'd like you to forward this to all the women you know.

It may save a life. A candle is not dimmed by lighting another candle..

I was going to send this to the ladies only, but guys, if you love your mothers, wife, sisters, daughters, etc., you may want to pass it onto them, as well.

Send this to any woman you know that may need to be reminded that the world we live in has a lot of crazies in it and it's better to be safe than sorry.