Tuesday 29 August 2017

[www.keralites.net] DIGITAL LEGACY

 

M.d. Hegde
Planning your digital legacy
Include digital assets in a will, as e-mail and social networking websites don't provide account access to legal heirs. To know what else you can do, read on
Tinesh Bhasin 
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Ever wondered what will happen to your e-mail and social networking accounts after you die? Who will get to own your Gmail or Yahoo! account and who will get possession of your photos and videos on Facebook, Google+, and YouTube? Will your legal heir get access to your net banking and trading account?
Pavan Duggal, a leading lawyer, gives examples from a recent case he handled. A writer passed away without sharing details of his email account, which had his unpublished work, with his family. In his memory, the family wanted to publish the work but couldn't access his emails. When they approached the service provider, it refused to grant access. Most online services do not share account details and passwords to legal heir or relatives. They also reserve the right to deactivate and delete the account if they don't detect activity for a certain period.
HOW TO GO ABOUT TRACKING DIGITAL ASSETS
Make a list of assets. Search for these in computers and mobile phones
If username or password is in writing, change it immediately
If there are no details, contact the service providers
If the websites seek court order, move the court of a competent jurisdiction
Follow the proceedings persistently, as the succession certificate takes time
If service provider refuses access, file a case
If a person passes away without sharing the account details and password, the only possible way is to approach the court. Increasingly, service providers are considering court's succession certificates and letting the legal heir access accounts of deceased, says Duggal. Getting the certificate, however, takes almost a year. This means, by the time the family would have got access to the email, there is a possibility that the account is inactive, deleted or its data is pruned.
If the service provider does not accept the succession certificate, the legal heir can approach the court. "But the court, needs to be satisfied with the fact that legal heir is genuine and also has bona fide reasons to access deceased's accounts, as the information contained in the email and social networking can be misused. The first question that would arise in this case: if a person wanted the legal heir to access the information, he/she would have made provisions for it in the will or given the access code to the heir," says Daksha Baxi, partner, Khaitan & Co.
Not making provisions to share account details after one passes away can have repercussions. There could be essential financial information locked away. The deceased might have online financial accounts with money or credits left over.
E-MAIL & SOCIAL NETWORKING
Google: The company has a feature that lets users designate how they would like their accounts to be handled after death. It's called Inactive Account Manager. A person can choose to have the data deleted after a particular time period, say after six, nine or 12 months of inactivity. Or he/she can select trusted contacts to receive data from Google services. Some of the popular ones among these include Drive, Gmail, Google+ and YouTube. Before the company's systems take any action, a warning message is also sent to the registered cell phone and secondary e-mail address.
Facebook: This social networking bellwether offers a completely different option. A deceased user's page can be memorialised, letting family and friends leave messages of remembrance. This can be done by providing proof of death of the account holder to the company.
Twitter & Yahoo!: These companies work with a person authorised to act on the behalf of the estate or with a verified immediate family member of the deceased to have an account de-activated.
FINANCIAL
Stock trading account: Online trading accounts comprise two parts, the broking account and the demat account, which has the shares. When a customer comes on board, he needs to mention the nominee for the broking account. In case of death of a customer, brokers help the nominee to gain access to the broking account after verification. In case a nominee is not mentioned, the succession process is followed as laid down by the law.
Net banking account: When banks are intimated of the death of a customer, they freeze all accounts. If the nominee is mentioned, the cheque is issued to him or her after document verification. If not, they follow the succession process laid down by the law.
WILL WITH DIGITAL ASSETS
Lawyers say the best way to ensure your digital assets are passed to the intended person(s) is by including the information in your will. Anju Gandhi, partner, SNG & Partners, Advocates & Solicitors, says the will needs to mention who will get what and details of the accounts need to be stored securely. For example, if a person wants to pass on the e-mail accounts to a daughter and financial account information to a son, he or she needs to specify this in the will. The usernames and passwords can be stored online, in an encrypted format. Alternatively, in a bank locker. It needs to be kept separate because a will, once registered with the court, become a public document and can be accessed easily.
OTHER ONLINE SERVICES
Like Google's Inactive Account Manager, there are smany online services that offer a similar facility for multiple online accounts.
Cirrus Legacy: A person can nominate guardians to protect a digital legacy, by carrying out wishes in the event of death. When the person passes away, the guardian can access the usernames and passwords of the person and take whatever action they have specified.
Dead Man's Switch: This service lets you write e-mails and choose the recipients. These e-mails are stored securely. The person receives regular e-mail from the company, asking him or her to show that they are fine by clicking a link. Such a check mail is sent more than once; 30, 45 and 52 days after the person's las log-in. If the accountholder does not respond to messages, the intended e-mails are sent after 60 days. There's a free as well as paid plan.
SecureSafe: This is primarily a secure online storage website that allows data to be shared in case a person passes away. However, the sharing does not automatically happen. The account holder needs to specify one or more persons to be 'authorised activators', who will initiate the process. The service has a free and four paid plans.
A 'will' to solve problems: Pawan Duggal
In today's world, all of us have become data generators, data creators, data broadcasters and data transmitters. We are increasingly putting a lot of our intellectual property and inputs on our accounts, whether they will be social networking, email accounts or financial service accounts.
A variety of legal issues can arise if a person passes away without sharing his/her account details. In such a case, the legal heirs will have to approach the service providers for giving access to such accounts. Increasingly service providers are insisting on court orders before providing access. The legal heirs then need to seek a succession certificate from a Court of competent jurisdiction and then hand over the same over to the concerned service provider.
A lot of times the service providers do not save the data and in lot of cases, data have been auto-deleted due to inactivity over time. There have even been cases where legal heirs are not even aware of the exact details of the deceased's user IDs and passwords. That's why we advice clients to opt for a will that lists their digital assets and person who should get it. A person can also opt for a digital will that is digitally signed and is a legally authenticated electronic record under the Information Technology Act, 2000
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[www.keralites.net] SHOPPING IN BANGALORE

 

 SHOPPING IN BANGALORE
SHOPPING IN BANGALORE....BEWARE OF THIS SCAM....THIS CAN HAPPEN ANYWHERE !!!
This could happen anywhere to anyone- Beware!!!!
4 supermarket staffers held for extorting Rs 1L from shopper
TNN | Aug 15, 2014, 03.05 AM IST
BANGALORE: When Gourav Saxena went shopping on Monday at a supermarket in a mall on Bannerghatta Road, south Bangalore, this private firm employee had no inking of the bizarre and humiliating ordeal he would undergo. After he had finished shopping and was ready to exit, supermarket staffers checked his purchases, accused him of shoplifting and allegedly extorted Rs 1 lakh by threatening to turn him to police.
Hurt and shamed, Gourav knocked on the doors of Hulimavu police station, leading to what sleuths said was the busting of a supermarket racket that had allegedly extorted scores of shoppers after falsely accusing them of shoplifting.
Four staffers of HyperCity supermarket in Royal Meenakshi Mall, general manager Arpitha (37), loss prevention officer Sujatha, 29, administration manager Lokesh, 33 and loss prevention assistant T Shankaramurthy, 28, have been arrested. Police are questioning the quartet and collecting details on how many people had been victimized and the money involved.
Incidentally, another customer had come to Hulimavu police with a similar complaint but he did not press his plaint.
On Monday, Gourav ran a bill of Rs 1,108 for the household items he had purchased. On his way out, the security personnel stopped him at the gates and began checking his purchases. They pulled out a few items from his bag and said they had not been billed. They then accused Gourav of shoplifting, his complaint to the police said.
Gourav was immediately whisked into a room inside the supermarket for questioning. Some staffers began harassing him and threatened to inform police. They claimed they had caught Gourav red-handed. After some time, the staffers, including Arpitha, said they could save him from getting arrested if he paid them Rs 1 lakh.
"I was made to swipe my three debit cards but I was still short of Rs 28,000. The supermarket personnel asked me to leave behind my motorcycle in the market and take it only after I paid the full sum. I returned and paid them the balance amount in cash," Gourav said in his complaint.
A shattered Gourav returned home and decided to approach the police. A police team immediately swooped down on the supermarket.
MODUS OPERANDI
Police sources said the quartet regularly extorted money from shoppers, falsely accusing them of shoplifting. "They did not bill some items deliberately. Gullible customers too rarely cross-checked the bill with what they had purchased. They would later be stopped by security personnel at the gates and accused of trying to siphon off unbilled items," sources explained. They said scores of shoppers appear to have been cheated.
'Many plaints against accused'
During their probe, police found the four accused staffers had been issued an ultimatum by their management after receiving complaints against them over the past one-and-a-half years. "The management had warned staffers of stringent action only a few days ago. All four confessed to their misdeed and were arrested," additional commissioner of police (crime-East) KV Sharath Chandra told TOI.
Supermarket reacts
We are in touch with the relevant authorities regarding this. We are fully cooperating with investigations.
A Hyper City Retail India

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[www.keralites.net] SILK SARI

 

Silk Sari
How often have you come across a Rs. 40 lakh ($100,000) silk saree? Chennai Silks, a textile unit has come up with one of its kind and it is seeking an unmistakable entry into the Guinness Book of World Records for being the most unique and expensive saree.
The exceptionally stunning saree is meticulously woven with 12 precious stones and metals to depict 11 of Raja Ravi Verma's popular paintings. Explicitly projected is 'Lady Musicians', one of the painter's very famous works that displays women belonging to diverse cultural backgrounds.
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Re: Fwd: [www.keralites.net] CAUTION WHILE EATING BANANA

 

Good Morning Mr.Jayakumar,
Whether you want direct mails from me or Keralites Group.
Pl inform
Regards

 
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From: Jayakumar Sambandam <jayakumarsambandam34@gmail.com>
To: hegde_csl@yahoo.co.in
Sent: Monday, 28 August 2017 11:06 AM
Subject: Fwd: [www.keralites.net] CAUTION WHILE EATING BANANA

Dear respected shri Hegde,
I am JAYAKUMAR, SENIOR CITIZEN BUREAU, CHENNAI 10. I am  a  follower of  your. articles and  learn more  from  your mails .and  also  forward  to  my  friends. So far  nobody raised  doubts . Kindly  reply  to my friends through  me or  directly  for  the  doubts  raised. Regards
S.Jayakumar
Secretary General Senior Citizen Bureau
Aspiran Garden First Street, Kilpauk,
Chennai 600010
93818 01446
044-26449593


            Forwarded message ----------
From: Prithvi raj Somdev <prithvi@oldisgoldstore.com>
Date: Mon, Aug 28, 2017 at 10:19 AM
Subject: Re: [www.keralites.net] CAUTION WHILE EATING BANANA.
To: Sundaram <drgsundaram@yahoo.com>
Cc: Jayakumar Sambandam <jayakumarsambandam34@gmail.com>, jayakumar rajesh <rajeshjaykumar_51@yahoo.co.in>, "DAVULURI V.J.VITTAL" <dvj007@gmail.com>, Dinesh <dinesh.dinesh.r@gmail.com>, kanchana dinesh <kanchanadinesh@yahoo.com>, Santhanakrishna Kanaka <tskanaka@gmail.com>, Raghunathan C <raghunathanc@gmail.co>, Anantharam B A <anantharam.ba@gmail.com>, HELPAGE INDIA MUTHU KRISHNAN <muthukrishnan@helpageindia.org>, BRIGADIER K MUTHULAKSHMI <brigkml@yahoo.com>, GOPAL ACHANTA <gopalachanta@hotmail.com>, "NATARAJAN V.S" <dr_v_s_natarajan@yahoo.com>, venkatachalam chockalingam <drveecee27@ymail.com>, "Prof. Dr. GS. Shanthi, Geriatric Dept. Govt. GH. Chennai-3" <gerishanthi@yahoo.co.in>, Sumathi Umapathy <usumathi@gmail.com>, Sarma Vattyam <sarma1938@gmail.com>, prince frederick <prince.s.frederick@gmail.com>, "pavankumar6@gmail.com" <pavankumar6@gmail.com>, Chittoor Natarajan Natarajan Umapathy <cnumapathy@yahoo.com>, kamalavadani udayakumar <udayakamalam@yahoo.com>, suganya sathish <suganyasathish@yahoo.com>, sabinarao@yahoo.com, "Dr. A.M. Swaminathan, IAS, President, Swathi Old Age Home and Swaminathan Padmavathi Trust" <amswaminathan@hotmail.com>, "PROF K ALUDIAPILLAI IAS(R)" <profkapillai@gmail.com>, Sanjay Dattatri <sanjay@oldisgoldstore.com>, Dr B KRISHNA SWAMY GERIATRICIAN <bksgerio@yahoo.co.in>, "HelpAge India TN State Head V. SIvakumar" <v.sivakumar@helpageindia.org>, "dignityfoundation. chennai" <dignityfoundation.chennai@gmail.com>, Namasivayam Rt <namasivayamrt@gmail.com>, Kv Chari <kvchari@gmail.com>, Vankeepuram Sundararajan <nskanchi@gmail.com>, suresh uday <thanmai24@yahoo.co.in>, "arthi0990@gmail.com" <arthi0990@gmail.com>, Latha R <latharajah747@gmail.com>, Sudha Ramesh <sudharamesh747@gmail.com>, drsureshdiacare@gmail.com, Dr Sudha Seshayyan <sudhaseshayyan@yahoo.co.in>, geetha subramanian <myheartcares365@gmail.com>, FOSWL Anna Nagar <foswlindia@gmail.com>, "sandhyakirana@nightingaleseldercare.com" <sandhyakirana@nightingaleseldercare.com>, Padmanabha Vyasamoorthy <vyasamoorthy@gmail.com>, "K.R.Gangadharan HERITAGE SENIORS" <krganga@hotmail.com>, Heritage Foundation Hyderabad <heritagefoundationhyd@gmail.com>, nsm1949@yahoo.com, PRAKASH H LULLA <hariprakashco@gmail.com>, Challagalla Nagendra Prasad <challagallanp@gmail.com>, MURUGAN HOSPITALS <muruganhospitals@gmail.com>, Vedagiri Shanmugasundaram <vss108@gmail.com>


Dear Mr. Jayakumar,
With due respect I find a couple of things that is disturbing in this forward that you have sent. While it is true & commendable that caution be exercised while consuming products that is processed as described it is also necessary to be cautious about putting forth a statement that seems to paint a black picture on an entire profession – "traders".  Traders are also honest hardworking people making a living in a country where self employment is a necessary mean to make a living.
While there will be a few who will resort to unfair means which by the way is not restricted to traders alone as you are aware this could include doctors, engineers, lawyers, judges, politicians, government officials, bankers, journalists in fact across the entire spectrum of professions.
We are a company and we are traders and we make all attempts to maintain a high level of conduct & ethics in what we do. While all of us tend to slip occasionally singling out traders as a community of people who do not care anything about anything but money is callous.
The other aspect is that this forward does not have any details as to identifying the good & the bad and does it not damage the livelihood of a vendor who makes his living selling bananas ? These are serious questions that one must raise while also raising awareness about safety with food.
The point is by raising awareness about artificially ripened fruits to all stakeholders' consumers, traders, the humble street vendor will go a long way in ridding this menace rather than painting a damaging picture that declares "Traders care less for our health as their objective is to make money."
I have shared my opinion as trader and will love to hear from you as well.
Regards
For Old is Gold Store
S. Prithviraj

 

A unit of Grand Banyan Ventures Pvt. Ltd.
247, AH-Block  1st Street, Anna Nagar Chennai 600040 India.
Phone +91 44 42666684  Mobile +91 9677087612
www.oldisgoldstore.com

Branch:
New No. 53, First Main Road, Indira Nagar, Adyar Chennai 600020 India.
(P) +91 44 244 66 244 (M) +91 9677003424

 

On Mon, Aug 28, 2017 at 8:38 AM, Sundaram <drgsundaram@yahoo.com> wrote:
Instead of describing which is not clear,
pl indicate from the pic below which is
the right one-No.,1,2,or3?Regards,
Dr G.Sundaram.

Sent from my iPhone

On 27-Aug-2017, at 21:52, Jayakumar Sambandam <jayakumarsambandam34@gmail.co m> wrote:


---------- Forwarded message ----------
From: ♣ ♣ ♣M.D. HEGDE♣ ♣ ♣ hegde_csl@yahoo.co.in [Keralites] <Keralites@yahoogroups.com>
Date: Sun, Aug 27, 2017 at 12:04 PM
Subject: [www.keralites.net] CAUTION WHILE EATING BANANA
To:


 
 Caution while selecting bananas
Traders care less for our health as their objective is to make money.
Caution when selecting bananas
At the rate of Rs 20/- 1 Kg., death is being sold nowadays in our markets.
My request for everybody is to be vigilant.
Friends, we all love bananas and we eat a lot of them, but the bananas available in the market are forced ripe by dipping in water mixed with Carbide.
The consumption of these bananas is 100% sure to cause Cancer or some other infection in the stomach. Therefore, such type of bananas are to be avoided.
But, how does one recognize the bananas ripened with the help of Carbide?
Bananaswhich are ripened naturally are dark yellow and have small black spots here and there on the bananas and the stalks are black.
Those which are forced ripe with Carbide are lemon yellow and their stalks are green and they are clear yellow without any black spots.
Now, what is Carbide and how is it harmful?
Carbide is a chemical which if mixed with water, emits heat.
The heat emitted by a closed tank mixed with Carbide is even more than that emitted by a LPG Cylinder - it can be used for Gas Cutting (which means the calorific value is so high that it can replace LPG gas).
In the same way, when the bunch of bananas are dipped in the water mixed with Carbide, the gas gets absorbed into the bananas and they get ripe.
However, the banana vendors are not that literate and so they do not know the exact proportion of Carbide to be used for a dozen of bananas.
As a result they end up using excess quantity of Carbide which gets absorbed into the bananas and ultimately enters our stomach.
Due to this excess use of Carbide, Tumours can be formed in our digestive system.
So, next time you purchase bananas, make sure you select the naturally ripened ones.
Please pass it on to others in your mailing list. — .
Image may contain: fruit and food
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