Leisure, Lifestyle & Wellness
Fluid Monkey: Interact with a Pool of Liquid

This app could be a good stress buster

When you are stressed and need to loosen up, sometimes there’s nothing better than chilling out with something simple. Fluid Monkey is great for this kind of relaxation. The basic idea is to interact with a pool of liquid—by using your finger, you can paint, smear colour over the screen, or create fluid with different colours, bouncing balls and sparkles or even fling brightly-coloured balls through puddles of mud. Preset configurations are available to show what’s possible: Ink in Water, Finger-Painting, Milky Way, Thick Paint, Gelatin, Oil Paint, Wet Mud, and Bowl of Paint. Customise properties to create your own unique fluid environment. Change the colours, add sparkles or bouncing balls to your liquid. Pointless, but can be a great stress buster! https://goo.gl/AUsj2R 

 

Yazdi Tantra is a chartered accountant by training, computer consultant by profession, entrepreneur-developer by hobby and trainer in his leisure time. He is currently the vice-chairman of Zoroastrian Co-operative Bank Ltd and has been running a medium-sized computer company ON-LYNE for the past 24 years. 

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The Epidemic that Wasn’t
Organisations like WHO support virus hoax like Swine flue and Zika, while vaccine firms get rich
 
A ‘great’ epidemic broke out which was mentioned in all the headlines in print and electronic media, in the summer of 2009. It continued to be in the news, day in and day out, spreading from the sacred American media to the rest of the world which often slavishly follows the Western media. Everyone was worried that they might die anytime due to this deadly pandemic where a deadly virus, H1N1, had taken hold of this world! It proved to be a false scare. Today, it is the scare of that deadly virus Zika which, luckily, has failed to kill anyone since 1947. There is a twist in the tale now. The threat is not for you but for your yet-to-be-born progeny growing in the mother’s womb. 
 
Blame the drug companies and the WHO for sleeping in the same bed for that episode. Now, a new partner has come to light which is more scary. The watchdog body, that is the protector of the common man, the Centre for Disease Control (CDC), has been found to have been in cahoots with the other two in this game. CDC, at that time, claimed there were roughly 10,000 swine flu victims in America. Sharyl Attkisson, a CBS news channel investigator, discovered something quite strange. Back in July 2009, the CDC had stopped counting swine flu cases. She wrote, on 21 October 2009, in an article on the CBS website: “Swine Flu Cases Overestimated?” If you’ve been diagnosed ‘probable’ or ‘presumed’ 2009 H1N1 or ‘swine flu’ in recent months, you may be surprised to know this: odds are you didn’t have H1N1 [Swine] flu. In fact, you probably didn’t have flu at all… In late July, the CDC abruptly advised states to stop testing for H1N1 [Swine] flu, and stopped counting individual cases. The rationale given for the CDC guidance to forego testing and tracking individual cases was: why waste resources testing for H1N1 flu when the government has already confirmed there’s an epidemic?” 
 
The investigators found that the “vast majority of cases were negative for H1N1 as well as seasonal flu, despite the fact that many states were specifically testing patients deemed to be most likely to have H1N1 flu, based on symptoms and risk factors, such as travel to Mexico.” Yet, CDC put out their statistics in November 2009 that “Shockingly, 14 million to 34 million U.S. residents—the CDC’s best guess is 22 million—came down with H1N1 swine flu by Oct. 17 [2009].” 
 
Sharyl Attkisson wrote: “...we discovered through our efforts that before the CDC mysteriously stopped counting Swine Flu cases, they had learned that almost none of the cases they had counted as Swine Flu was, in fact, Swine Flu or any sort of flu at all!” Ms Attkisson’s investigation was fair, accurate, legally approved. Does that mean that the public took and gave their children an experimental vaccine that may not have been necessary? Hundreds of thousands of people all over the world must have taken the expensive drug for no reason. Governments stockpiled the drugs as swine flu was declared a pandemic by the WHO obligating governments all over to buy drugs. Every taxpayer in all those countries has the right to question that. Do we learn any lessons from these happenings? If not, we will have to re-live those experiences. Now, with the new threat of Zika, do we become wiser? 
 
The other day, I met the health minister of Karnataka, UT Khader, who was all worked up about this threat of Zika. His whole department is working overtime to stop the devil, Zika, from invading Karnataka. I did try my best to tell him the other side of the coin but, I wonder, if he has accepted that. In the bargain, I got an opportunity to inform him that the best method to stop malaria is to give every poor man, woman and child a mosquito net. I think, that seems to have sunk in. He told me that he will think along those lines. This was the only plus point of the whole meeting.
 
“Thought is an infection. In the case of certain thoughts, it becomes an epidemic.” — Wallace Stevens

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COMMENTS

Meenal Mamdani

11 months ago

The one good point in this article is the recommendation to give mosquito nets to the people who live in areas where mosquitoes are numerous.

It is strange that the article blames organizations like WHO for giving alerts about possible epidemics. As the writer should know, it is better to provide warnings of possible epidemics than try to stop the spread of one that is already in progress. Then the author would blame the organization for sitting by doing nothing while the epidemic caused havoc.

WHO cannot say for sure if something will happen. It can only announce alerts and the possibility that something may happen. So if it does not happen, should we blame WHO or should we thank it for alerting countries to take precautionary steps and stopping the infection from spreading and becoming an epidemic.

This article reminds me of the argument my mother used to have with me. If her blood tests did not show any abnormality, she believed that her money was wasted and she had been defrauded. She had been raised with the practice in India that one only gets a test after one has become ill. The idea of preventive medicine was novel to her as it seems to be for this author.

REPLY

Mithun

In Reply to Meenal Mamdani 4 months ago

Meenal, before starting to attack the author, do realize that this article was not written by a journo. The author is of this article is a very eminent doctor Dr. BM Hegde, a Padma Bhushan awardee. His opinions and conclusions have more credibility than yours.

kapil bajaj

In Reply to Meenal Mamdani 10 months ago

Thanks Meenal for your puerile reading of a very good article and providing some humour.

One good point in your idle comment is your reference to your mummy.

One now has an idea where you got your intelligence from!

Meenal Mamdani

In Reply to kapil bajaj 10 months ago

You are making personal attacks on me and my mother which is a very uncivil thing to do.

You have not indicated why the points I have made are childish.

Namely that WHO is to be commended for sending alerts about possible epidemics. WHO cannot say with 100% certainty whether an epidemic will occur until it is well in progress. By the time vaccine companies can produce sufficient vaccine to use as preventive action, hundreds of thousands may succumb.

You are also probably aware that viruses mutate. This has been particularly problematic with Influenza virus. CDC and WHO make an educated guess about the type of virus. Sometimes they are right and sometimes they are wrong.

Vaccination to prevent an illness is accepted medical practice, not a gimmick perpetrated by WHO.

bharati

In Reply to Meenal Mamdani 10 months ago

Dear Meenal
FWIW, pharma makes big, big money from imaginary scares, creating unnecessary medicine, etc. Sometimes alas, international bodies, govts, well established Drs. are hand in glove with the pharma. E.g I saw how flu shots were sold as absolutely essential in the US, sent to all old homes, schools, etc. often at govt cost. It was most unnecessary. This has happened before so you and I have to be careful before accepting their word. I am sure you appreciate this.

How to deal with Wills and intestate succession
Advocate Niraj Punmiya, spoke to a packed audience at a Moneylife Foundation seminar on the processes, rules and laws governing Wills and the processes involved in claiming inheritance or ensuring proper succession
 
“Often when a person dies-intestate, the legal heirs have to decide how to mutually distribute the assets of the deceased. Going to court is the least productive way. Negotiation is better and the courts are best approached only in case of a denial of one’s rights,” says Advocate Niraj Punmiya, a practitioner in the area of income and service tax. He was speaking at Moneylife Foundation on “Dealing with Wills & Intestate Succession”. 
 
Adv Punmiya said, "Looking at how complicated and bureaucratic it is to deal with the legal and government machinery, it is better to have a clear Will to make it easy for those who come after you."
 
Adv Punmiya started by explaining the basics of Wills and terms such as testator, executor, codicil, testamentary guardian; he described nine different types of Wills that are possible, but suggested that a simple Will executed by an individual was better than needless complication and complexity through joint Wills, contingent Wills etc. He pointed out that although a Will does not involve payment of stamp duty nor does it require Registration, it was highly recommended that the Will be registered.
 
Having taken the audience through the intricacies of the types and procedures of Wills, he turned the focus to Nominations and how it is different from a Will. Often, nominees become an important part of the whole story. "Nomination is a Right to receive while the Will is a Right to Own" he said emphatically. A nominee is like an executor, who is entrusted to manage the property or asset as per the nominator's wishes after his death. However, a nominee cannot sell property unless he is a legal heir,” he said. 
 
Adv Punmiya also talked about the several procedures involved in transfer of property or other assets after the death of a nominator. Especially talking about nominations in co-operative housing society, he said, Section 30 of the Maharashtra Co-operative Societies Act, 1960, governs such matters. The Act says, "On the death of a member of a society the society shall transfer the share or interest of the deceased member to a person or persons nominated in accordance with the rules or, If no one has been nominated, to such person as may appear to the committee to be the heir or legal representative of the deceased member."
 
"From interpretation of the above section, it is very clear, on the plain reading of Section 30 that the intention of the Section is to provide for who has to deal with the society on the death of the member and not to create a new rule of succession".
 
Explaining this in details, especially from the society's point of view, he said, "Society has no power, except provisionally and for a limited purpose to determine the disputes about who is the heir, or legal representative. It, therefore, follows that the provisions for transferring a share and interest to a nominee or to the heir or legal representative will be as decided by the society and is only meant to provide for interregnum between the death and the full administration of the estate and not for the purpose of conferring any permanent right of such person to a property forming part of the estate of the deceased."
 
Adv Punmiya then explained succession certificate, probate as well as difference between a Will and a probate. He said, "A succession certificate establishes the authenticity of the heirs and give them the authority to inherit debts, securities and other assets that the deceased may have left behind."
 
Succession certificate can be obtained from district or the High Court within whose jurisdiction, the assets fall, by filing a petition. Apart from the lawyer's fees, the court may levy a fixed percentage of the value (up to 3%) of the estate as fee. Usually, succession certificate takes 3-4 months (sometimes 5-7 months), if it is not contested by anyone. The succession certificate authorises the person to distribute the assets to the legal heirs as per the succession law.
 
"Most people think that if the succession certificate is obtained then the person is the rightful owner of the deceased person's properties, which is not true. A succession certificate allows the person to act exactly similar to how a nominee would act. It gives the authority to the holder for distributing the deceased person's assets. A Succession Certificate is not granted in cases where obtaining a Probate of Letter of Administration is necessary such as when there is a valid will," Adv Punmiya said.
 
Succession certificate can be revoked as per Section 383 of the Indian Succession Act.
 
Talking about probate of a Will, he said, a probate establishes the legal character of the Executor to implement the Will and to the validity of the Will and it can be granted only to the executor appointed by the Will and the appointment may be expressed or implied.
 
A probate is a copy of a will certified by a court of competent jurisdiction. It proves that it is the last and final will of the deceased penned on a particular date. In the absence of a Will or nomination, succession laws come into play, he added.
 
Probate can be obtained from competent court under whose jurisdiction the assets are located, through a petition or application. The court may impose a percentage of assets as a fee to issue a probate. "In Maharashtra, for example, a court fee of Rs25 is payable for assets less than Rs50,000; 4% for assets between Rs50,000-Rs2 lakh, and 7.5% for assets over Rs2 lakh. There is a ceiling of Rs75,000," Adv Punmiya said.
 
If the Will which is required to be probated, under the Act, if not probated, has no legal sanctity and binding force.
 
Explaining the difference between a Will and a probate, Adv Punmiya, said, "A probate is issued by the court, when a person dies testate i.e. having made a will and the executor or beneficiary applies to the court for grant of probate. In case a person has not made a Will, then his legal heirs will have to apply to the court for grant of a succession certificate, which will be given as per applicable laws of inheritance."
 
"If there is no will or a Will does not name any executor then one needs to get the Letter of Administration," he said, adding, "the competent authority appoints the administrator in such cases, to dispose of the property of the deceased person. It is required when the testator has failed to appoint an executor under a Will or where the executor appointed under a Will refuses to act or where executor has died before or after proving the Will but before administration of the estate. A Letter of Administration can be granted after 14 clear days from the date of death of an intestate."
 
"For obtaining a letter of administration the beneficiary has to apply to the court. The court on receiving satisfactory proof of valid execution of the will issues letter of administration to the beneficiary," he added.
 
Adv Punmiya then explained the practical details of distributing assets among the heirs in various ways such as gift deeds, a deed of release or transfer and transmission deeds, which bring finality to transactions without scope for ambiguity or future disputes among beneficiaries. "No sale can take place and no deed of transfer can be executed without payment of consideration. Stamp duty is payable on gift deeds, release deeds and deeds of transfer. These documents have to be stamped in accordance with the provisions of the Indian Stamp Act applicable in the state where the property is situated. Further, as laid down in section 17 of the Registration Act, 1908, gift deeds, release deeds and deeds of transfer are all compulsorily registrable documents. Thus, on execution of any of these deeds, they have to be registered with the office of the sub-registrar of assurances within whose sub-district the whole or some portion of the property is situated, within a period of four months from the date of execution of the said document," he concluded.
 
Download a copy of the important points of this talk and FAQs about Wills, nominations and Succession created by Adv Punmiya himself, here.
 
Also here is the link for a draft Will created by Mr Vimal Punmiya. 

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COMMENTS

SRINIVAS SHENOY

10 months ago

Wonderful and explicit presentation of a will and intestate succession. followed by a Good write up. Thanks.

Amar Wakharkar

11 months ago

Hi, Did you record this session? Any YouTube link is available for this?

RAVI RAM PV

11 months ago

The link takes to a payable site! That the draft Will is to be paid for, should have been explicitly mentioned.

REPLY

MDT

In Reply to RAVI RAM PV 11 months ago

Thanks for your comment. The information provided in the links is free to view and access.
MDT

RAVI RAM PV

11 months ago

Thank you for the info & links!

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