Tuesday 20 November 2012

[www.keralites.net] Briton Wins Grand Slam After 76 Years.

 







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The last winner: Tennis great Fred Perry was the last Brit to win a Grand Slam in 1936


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Triumphant: Andy Murray, wearing his watch, holds the U.S. Open trophy aloft after defeating Serbia's Novak Djokovic in the men's singles final match in New York


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Novak Djokovic roars after winning the third set to haul himself back into the game


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Neck-and-neck: Andy Murray, right, Novak Djokovic trade blows during the final


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Kim Sears, girlfriend of Andy Murray, watches his men's final match against Serbia's Novak Djokovic at the U.S. Open


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Actor Sean Connery awaits the start of the U.S. Open men's final


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Serbia's Novak Djokovic, left, and Britain's Andy Murray pose for a photo before the final started




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[www.keralites.net] Use the Married Woman Property Act to safeguard your life insurance policy

 

 
Today, buying on credit has become commonplace. As a responsible citizen you should make payments during your lifetime on any loan—credit card, outstanding debt payment, etc. But, it also makes sense to ensure that your wife and children really get the death benefit from your life insurance policy.

Section 6 of the MWP Act allows an individual to buy a policy for himself under the Act and create a trust for the same. There is no need for creating a trust under the Trust Act. The beneficiaries (wife and/or children) can also be trustees. The policyholder has the option to change the trustees at any point in time. Even a married woman can buy MWP policy on her name with her children as beneficiaries; though the husband will not get anything from the policy. It will be considered as a separate asset as if she is unmarried.

The procedure is simple, but it has to be done at the time of buying the policy. At the time of making the application, a separate form has to be filled by the proposer for it to be covered under MWP Act. The form seeks details of the beneficiaries, the share of the benefits that are to be accrued to them and the trustees.

According to Sanjay Tiwari, vice president of strategy and product, HDFC Life, "There is lack of awareness and very low percent of MWP policy sales; we do train our agents for highlighting about MWP benefit to customers. It clicks with specific customers who have their own businesses and want to ensure that wife and children really benefit from the policy."
 
Before you jump in to go for Section 6 of MWP, do it only for genuine reasons. If the life insurance policy has been purchased with an intention to defraud creditors, the protection under MWP may not work. Creditors can assert their right to get paid out of the proceeds of the life insurance policy.

According to a veteran life insurance agent, "MWP policy sales have reduced over the years after estate tax and gift tax were abolished in India. Very few customers go for it today."

Why go for it?
·         • A MWP insurance policy is free from creditors and court attachments. The welfare of wife and children are protected with utmost care
·         • A policy under MWP Act is a good feature for families that have debt
·         • MWP act is applicable for all married women of all religions
·         • There is no need for creating a Trust under the Trust Act. The policyholder has the option to change the trustees at any point in time
Why not go for it?
• The policyholder of a MWP policy loses all control over the policy with the exception of paying premiums. The policy becomes a trust property (wife and/or children)
• There can be no changes to the policy without the consent of the beneficiaries
• The beneficiaries of the plan, once declared, cannot be changed at any time
• The proposer cannot take any loan or assign the policy to another person
• The policy maturity, surrender value will go to the trust (and hence the beneficiaries only).
 
Best Regards
Prakash Nair

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[www.keralites.net] If You Love Someone ...... THE NEW VERSION ;-)

 
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[www.keralites.net] Mallikarjuna Temple — Basaralu - Karnataka

 

The mallikarjuna temple in basaralu is one of the typical hoysala temples. It was built by one harihara nayaka who was the commander in cheif under the hoysala king raja imadi narasimha.

The temple is built in a typical hosyala style with the base being star shaped. The carvings depict various stories from the mahabharata n the puranas. The place is maintained well by the ASI

The temple has beautiful Dravidian Shikhara on its main garbhagriha, which houses a "Balahari Shivalinga" and a beautiful lotus on the ceiling . The two small garbhagrihas facing each other, housed a "Naga Nagini" sculpture in one and the "Surya Deva" (Sun god) in the other. The vestibule has the symbol of Hoysala , Sala killing a lion .

Note: Photography is not allowed inside the sanctum scrotum

Mallikarjuna Temple Fact File

Name of the temple: Mallikarua Temple

Location: Basaralu

Built in : 13th Century AD

How to reach: Bangalore->Mysore highway->Mandya->Take right to chick mandya-> Take Left to basaralu.

Total Distance: 130 Kms

Road Conditions: Few potholes along the way, overall road conditions are OK.

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http://arunthetraveller.blogspot.in/2012/01/basaralu-stories-sculpted-in-stone.html

Ravi

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