Re: [silk] PFRDA and Security

2013-06-18 Thread Srini RamaKrishnan
On Tue, Jun 18, 2013 at 10:33 AM, Chetan Nagendra che...@nagster.org wrote:
 I wonder if the PFRDA cannot even secure their website, how will they manage 
 billions in public funds?

Your optimism is remarkable. Pension deductions are a form of taxation
any way you look at it, either directly on the income if it is never
redeemed, as some 30-40% of pensions are, or on the time of the
pensionee in getting it back.



[silk] PechaKucha on Rediscovering Bangalore, next Thursday

2013-06-18 Thread Andy Deemer
Next Thursday night, the 27th, Naresh and I are holding another
PechaKucha Bangalore at Jaaga.  This time the topic will be extremely
close to my heart: _Rediscovering Bangalore_.  (Rediscovering any city
is close to my heart.)

There are a bunch of locals and Bangalorexperts on this list, and
wondering if anyone wanted to join on as a speaker.  The rules are
standard PechaKucha: 20 slides, with 20 seconds per slide.  That's 6
minutes and 40 seconds on topic.

(Ahem, does anyone know Uppi?  And how to persuade him to join in to
talk about his sci-fi Bangalore vision for Super?)

PechaKucha Bangalore, Thursday, June 27th at 7pm, JAAGA, Double Road

_Rediscovering Bangalore_
Bangalore is huge, and with so many people, buildings, spaces and
projects, so many places, works and ideas are too little, too old or
too modest to be noticed.  What do you know about Bangalore that
others do not know? Share your little secret; your project, blog,
vision, photographs or anything else that will make others rediscover
Bangalore at the Pecha Kucha event vol. 12.  From history to future,
science-fiction to reality, big to small; each unexpected little thing
about Bangalore is worth sharing and is there to give us deeper
knowledge about our city.


--
Have you played my new iPad game yet?  The Stormglass Protocol.  (It's free!)

And my other projects:

- AsiaObscura, my weirdo travel blog (as seen in The Daily Mail, BoingBoing,
Weekly World News's The Sun, io9, Ain't It Cool News, IncredibleThings, The
Phnom Penh Insider and The China Daily)

- Poultrygeist: Night of the Chicken Dead, my cult horror film (Perfect -
The New York Times, Terrific - Entertainment Weekly, Brilliant -
Salon.com, Hilarious - Stephen King  New York Magazine  MTV's The Big
Ten  All Movie Guide  The SF Bay Guardian  Film Threat  Fangoria  Rue
Morgue, A vegetarian-manifesto masterpiece - PETA)

- Poultry in Motion: Truth is Stranger Than Chicken, my filmy documentary
(Fascinating - DVD Talk, A must-see - Blu-ray, Fearlessly Honest -
MSN, One of the best feature length behind the scenes documentaries that
I’ve ever seen. - KillerFilm)

- Pyongyang Too, Woo's  my graphic novel tribute (Un belle hommage -
Télérama, La surprise de sa vie! – Casemate)

- Huffington Post's Andy on Food, my culinary explorations (High concept -
Bon Appetit, We may be witnessing the birth of a new frozen treat genre! -
The Village Voice)



Re: [silk] PFRDA and Security

2013-06-18 Thread thewall
I'd have signed up for a pension plan, but the ones that are on the market lock 
in a major part of the capital and compulsorily give me an annuity (at 
negligible returns/ rates of interest). While some will argue that this is the 
whole point of a pension plan, I'd rather have the flexibility to take a lump 
sum and do whatever I want with it. 


--Original Message--
From: Srini RamaKrishnan
Sender: silklist
To: silklist@lists.hserus.net
ReplyTo: silklist@lists.hserus.net
Subject: Re: [silk] PFRDA and Security
Sent: Jun 18, 2013 2:16 PM

On Tue, Jun 18, 2013 at 10:33 AM, Chetan Nagendra che...@nagster.org wrote:
 I wonder if the PFRDA cannot even secure their website, how will they manage 
 billions in public funds?

Your optimism is remarkable. Pension deductions are a form of taxation
any way you look at it, either directly on the income if it is never
redeemed, as some 30-40% of pensions are, or on the time of the
pensionee in getting it back.



Sent on my BlackBerry® from Vodafone

Re: [silk] PFRDA and Security

2013-06-18 Thread Suresh Ramasubramanian
Don't confuse the garbage pension + annuity plans offered by various insurers 
with the NPS, which is what is provided by organizations regulated by the PFRDA.

And do note the tax implications of redemption

--srs (iPad)

On 18-Jun-2013, at 14:45, thew...@gmail.com wrote:

 I'd have signed up for a pension plan, but the ones that are on the market 
 lock in a major part of the capital and compulsorily give me an annuity (at 
 negligible returns/ rates of interest). While some will argue that this is 
 the whole point of a pension plan, I'd rather have the flexibility to take a 
 lump sum and do whatever I want with it. 
 



Re: [silk] PFRDA and Security

2013-06-18 Thread Deepak Shenoy
On Tue, Jun 18, 2013 at 2:45 PM,  thew...@gmail.com wrote:
 I'd have signed up for a pension plan, but the ones that are on the market 
 lock in a major part of the capital and compulsorily give me an annuity (at 
 negligible returns/ rates of interest). While some will argue that this is 
 the whole point of a pension plan, I'd rather have the flexibility to take a 
 lump sum and do whatever I want with it.


Am with you on this. For NPS though the good way is to do the minimums
in Tier 1 and do the real investments in Tier 2. Then you can exit all
of your Tier 2 money at the age of 59 years and 364 days without
having any lock in :)  (Or so I think) But if you stay till 60, then
part of it gets converted to an annuity and the rest is paid to you.

Can check more on this - it's been a while since I checked the rules.



Re: [silk] PFRDA and Security

2013-06-18 Thread thewall
I suspect they'll impose stringent rules on withdrawal. This is not a loophole 
that will stay open for long.



Sent on my BlackBerry® from Vodafone

-Original Message-
From: Deepak Shenoy deepakshe...@gmail.com
Sender: silklist silklist-bounces+thewall=gmail@lists.hserus.netDate: 
Tue, 18 Jun 2013 15:18:50 
To: silklist@lists.hserus.net
Reply-To: silklist@lists.hserus.net
Subject: Re: [silk] PFRDA and Security

On Tue, Jun 18, 2013 at 2:45 PM,  thew...@gmail.com wrote:
 I'd have signed up for a pension plan, but the ones that are on the market 
 lock in a major part of the capital and compulsorily give me an annuity (at 
 negligible returns/ rates of interest). While some will argue that this is 
 the whole point of a pension plan, I'd rather have the flexibility to take a 
 lump sum and do whatever I want with it.


Am with you on this. For NPS though the good way is to do the minimums
in Tier 1 and do the real investments in Tier 2. Then you can exit all
of your Tier 2 money at the age of 59 years and 364 days without
having any lock in :)  (Or so I think) But if you stay till 60, then
part of it gets converted to an annuity and the rest is paid to you.

Can check more on this - it's been a while since I checked the rules.



Re: [silk] PFRDA and Security

2013-06-18 Thread Suresh Ramasubramanian
On 18-Jun-2013, at 15:42, thew...@gmail.com wrote:

 I suspect they'll impose stringent rules on withdrawal. This is not a 
 loophole that will stay open for long.

Even in the EPF and in older established pension annuities, there's already 
stringent rules for withdrawal, and rules for how such withdrawals are taxed.



Re: [silk] PFRDA and Security

2013-06-18 Thread thewall
But, PF withdrawals are tax free after some reasonable conditions are 
fulfilled- 5 years service, etc. 

The only annuity there is the EPS- given that you contribute barely 541/- a 
month, it would still grow to 12 lakhs after 35 years- against which you get a 
maximum of 3250/- per month as pension. That's a 3% rate of return on capital. 
Why would the NPS be any different?




Sent on my BlackBerry® from Vodafone

-Original Message-
From: Suresh Ramasubramanian sur...@hserus.net
Sender: silklist silklist-bounces+thewall=gmail@lists.hserus.netDate: 
Tue, 18 Jun 2013 15:49:28 
To: silklist@lists.hserus.netsilklist@lists.hserus.net
Reply-To: silklist@lists.hserus.net
Cc: silklist@lists.hserus.netsilklist@lists.hserus.net
Subject: Re: [silk] PFRDA and Security

On 18-Jun-2013, at 15:42, thew...@gmail.com wrote:

 I suspect they'll impose stringent rules on withdrawal. This is not a 
 loophole that will stay open for long.

Even in the EPF and in older established pension annuities, there's already 
stringent rules for withdrawal, and rules for how such withdrawals are taxed.



Re: [silk] PFRDA and Security

2013-06-18 Thread Suresh Ramasubramanian
On 18-Jun-2013, at 15:55, thew...@gmail.com wrote:

 But, PF withdrawals are tax free after some reasonable conditions are 
 fulfilled- 5 years service, etc. 
 
 The only annuity there is the EPS- given that you contribute barely 541/- a 
 month, it would still grow to 12 lakhs after 35 years- against which you get 
 a maximum of 3250/- per month as pension. That's a 3% rate of return on 
 capital. Why would the NPS be any different?
 

Market linked to start with.  Which - if you stick to it over 30+ years of 
service - hopefully gets you better returns.  Such schemes ARE a pain in the 
ass when for example you quit a job in a country  and move back to India, at a 
time when the stock markets are facing historic lows [I did, ask me..]

The returns ARE a bit volatile - and the cost structure is loaded against 
people making small contributions.  If you stay with a trusted fund manager and 
stay invested till your retirement it might be viable.  It is still currently 
EET (exempt exempt taxed - that is withdrawals at retirement are taxable) but 
there's currently a proposal - I guess next budget, hopefully - to make it EEE.

However, I personally am not going for this and am sticking to the EPF, which 
is guaranteed return.  I know my contributions here and have other market 
linked investments that I can manage better and more actively than I can do 
with a pension fund.

--srs





Re: [silk] PFRDA and Security

2013-06-18 Thread Suresh Ramasubramanian

thew...@gmail.com [18/06/13 10:25 +]:

But, PF withdrawals are tax free after some reasonable conditions are
fulfilled- 5 years service, etc.


Note - moneylife - while pointing out what I did - has a contrarian view on
NPS -
http://www.moneylife.in/article/retirement-planning-why-you-should-avoid-the-new-pension-system/30925.html



Re: [silk] PFRDA and Security

2013-06-18 Thread thewall
I'd stick with my PF (I hope they never annuitize *that*!), and handle my 
market-linked investments on my own. PF + NPS is too skewed, somehow. 

NPS might make sense if you don't have a PF account (though I still wouldn't 
have taken it).


Sent on my BlackBerry® from Vodafone

-Original Message-
From: Suresh Ramasubramanian sur...@hserus.net
Sender: silklist silklist-bounces+thewall=gmail@lists.hserus.netDate: 
Tue, 18 Jun 2013 03:45:47 
To: silklist@lists.hserus.net
Reply-To: silklist@lists.hserus.net
Subject: Re: [silk] PFRDA and Security

thew...@gmail.com [18/06/13 10:25 +]:
But, PF withdrawals are tax free after some reasonable conditions are
fulfilled- 5 years service, etc.

Note - moneylife - while pointing out what I did - has a contrarian view on
NPS -
http://www.moneylife.in/article/retirement-planning-why-you-should-avoid-the-new-pension-system/30925.html



Re: [silk] PFRDA and Security

2013-06-18 Thread Suresh Ramasubramanian
On 18-Jun-2013, at 16:20, thew...@gmail.com wrote:

 I'd stick with my PF (I hope they never annuitize *that*!), and handle my 
 market-linked investments on my own. PF + NPS is too skewed, somehow. 
 
 NPS might make sense if you don't have a PF account (though I still wouldn't 
 have taken it).
 

Well, me too - but for a more uninformed investor, it might work better. IF he 
stays invested. And IF the sensex isn't nosediving to sub 8k levels right at 
the time he retires and has his daughter's marriage to arrange.  Though to be 
fair a lot of the investment is in t-bills, government paper etc and the equity 
component is capped.



Re: [silk] PFRDA and Security

2013-06-18 Thread Chetan Nagendra
The initial focus of the thread that PFRDA's website is porous, has now 
converted into a PF vs. NPS debate. 


On 18-Jun-2013, at 4:26 PM, Suresh Ramasubramanian sur...@hserus.net wrote:

 On 18-Jun-2013, at 16:20, thew...@gmail.com wrote:
 
 I'd stick with my PF (I hope they never annuitize *that*!), and handle my 
 market-linked investments on my own. PF + NPS is too skewed, somehow. 
 
 NPS might make sense if you don't have a PF account (though I still wouldn't 
 have taken it).
 
 
 Well, me too - but for a more uninformed investor, it might work better. IF 
 he stays invested. And IF the sensex isn't nosediving to sub 8k levels right 
 at the time he retires and has his daughter's marriage to arrange.  Though to 
 be fair a lot of the investment is in t-bills, government paper etc and the 
 equity component is capped.
 




Re: [silk] PFRDA and Security

2013-06-18 Thread Udhay Shankar N
On Tue, Jun 18, 2013 at 5:19 PM, Chetan Nagendra che...@nagster.org wrote:

 The initial focus of the thread that PFRDA's website is porous, has now
 converted into a PF vs. NPS debate.

This is silklist. The absence of thread drift would be astonishing.

Udhay
--
((Udhay Shankar N)) ((udhay @ pobox.com)) ((www.digeratus.com))



Re: [silk] PFRDA and Security

2013-06-18 Thread Deepak Shenoy
 The only annuity there is the EPS- given that you contribute barely 541/- a 
 month, it would still grow to 12 lakhs after 35 years- against which you get 
 a maximum of 3250/- per month as pension. That's a 3% rate of return on 
 capital. Why would the NPS be any different?


The NPS managers have done like 12%+ returns per year since 2008, I
think. (Most of them, IIRC)



Re: [silk] PFRDA and Security

2013-06-18 Thread thewall
I meant the annuity returns on your corpus. 

Sent on my BlackBerry® from Vodafone

-Original Message-
From: Deepak Shenoy deepakshe...@gmail.com
Sender: silklist silklist-bounces+thewall=gmail@lists.hserus.netDate: 
Tue, 18 Jun 2013 17:41:12 
To: silklist@lists.hserus.net
Reply-To: silklist@lists.hserus.net
Subject: Re: [silk] PFRDA and Security

 The only annuity there is the EPS- given that you contribute barely 541/- a 
 month, it would still grow to 12 lakhs after 35 years- against which you get 
 a maximum of 3250/- per month as pension. That's a 3% rate of return on 
 capital. Why would the NPS be any different?


The NPS managers have done like 12%+ returns per year since 2008, I
think. (Most of them, IIRC)



Re: [silk] PFRDA and Security

2013-06-18 Thread Deepak Shenoy
On Tue, Jun 18, 2013 at 5:42 PM,  thew...@gmail.com wrote:
 I meant the annuity returns on your corpus.

Ah, I agree. The Annuity return is crap, and NPS doesn't provide an
annuity (you're supposed to buy it from an insurance company).



Re: [silk] PFRDA and Security

2013-06-18 Thread Chetan Nagendra
I wish there was a like button on Silk.

On 18-Jun-2013, at 5:29 PM, Udhay Shankar N ud...@pobox.com wrote:

 On Tue, Jun 18, 2013 at 5:19 PM, Chetan Nagendra che...@nagster.org wrote:
 
 The initial focus of the thread that PFRDA's website is porous, has now
 converted into a PF vs. NPS debate.
 
 This is silklist. The absence of thread drift would be astonishing.
 
 Udhay
 --
 ((Udhay Shankar N)) ((udhay @ pobox.com)) ((www.digeratus.com))
 




[silk] cohabitation rights in india

2013-06-18 Thread ashok_
Doesnt this judgement give some legal legs to cohabitation rights in India
?


http://www.thehindu.com/news/national/tamil-nadu/couples-who-have-premarital-sex-to-be-considered-married-says-hc/article4824017.ece


 If any unmarried couple of the right legal age “indulge in sexual
gratification,” this will be considered a valid marriage and they could be
termed “husband and wife,” the Madras High Court has ruled in a judgment
that gives a new twist to the concept of premarital sex.

The court said that if a bachelor has completed 21 years of age and an
unmarried woman 18 years, they have acquired the freedom of choice
guaranteed by the Constitution. “Consequently, if any couple choose to
consummate their sexual cravings, then that act becomes a total commitment
with adherence to all consequences that may follow, except on certain
exceptional considerations.”

The court said marriage formalities as per various religious customs such
as the tying of a mangalsutra, the exchange of garlands and rings or the
registering of a marriage were only to comply with religious customs for
the satisfaction of society.

The court further said if necessary either party to a relationship could
approach a Family Court for a declaration of marital status by supplying
documentary proof for a sexual relationship. Once such a declaration was
obtained, a woman could establish herself as the man’s wife in government
records. “Legal rights applicable to normal wedded couples will also be
applicable to couples who have had sexual relationships which are
established.

The court also said if after having a sexual relationship, the couple
decided to separate due to difference of opinion, the ‘husband’ could not
marry without getting a decree of divorce from the ‘wife’.

Justice C.S. Karnan passed the order on Monday while modifying an April
2006 judgment of a Coimbatore family court in a maintenance case involving
a couple. The lower court had ordered the man to pay monthly maintenance of
Rs. 500 to the couple’s two children and Rs. 1000 as litigation expenses.
The lower court observed that the woman’s wedding with the man had not been
proved by documentary evidence. Hence, she was not entitled to maintenance.

In her appeal to the High Court, the woman’s counsel contended that she was
legally married and had two children in wedlock.

Justice Karnan said he was of the view that a valid marriage did not
necessarily mean that all the customary rights pertaining to the married
couple are to be followed and subsequently solemnised. In the present case,
the woman and her husband had no encumbrance or other disqualification for
solemnising their wedding as per their customs. For solemnising a wedding,
legal aspects should be placed on a higher scale than the customary
aspects. In this case, the man had signed in the ‘live birth report’ of his
second child and given his consent for a Caesarean section for its birth.
As such, he had officially admitted that she was his wife.

“Without legal encumbrance or third party interference or without affecting
third party rights, both the petitioner and the respondent lived together
as spouses and begot two children.” Therefore, the question of an
illegitimate relationship did not arise. Wedding solemnisation was only a
customary right, but not a mandatory one. Hence, the judge said, he was
treating the couple as spouses in normal life.

“It is not disputed that the petitioner has been a spinster before she gave
birth and that the respondent was a bachelor before developing sexual
relationship with the petitioner. Both of them led their marital life under
the same shelter and begot two children. Therefore, the petitioner’s rank
has been elevated as the `wife’ of the respondent and likewise, the
respondent’s rank has been elevated as the `husband’ of the petitioner.
Therefore, the children born to them are legitimate children and the
petitioner is the legitimate wife of the respondent.”

The judge directed the woman’s husband to pay her a monthly maintenance of
Rs.500 from the date of petition, i.e. from September 2000. The arrears of
maintenance up to May this year should be paid within a period of three
months.


Re: [silk] cohabitation rights in india

2013-06-18 Thread Nikhil Mehra
Don't like the sexual gratification language. That reasoning is a blow to 
sexual autonomy. But, yes, this judgment is in furtherance of 2 judgments of 
the SC in 2005 which accepted the fact that line-in relationships give rise to 
rights akin to marriage in terms of prevention of domestic violence and 
maintenance upon separation. 

The reasoning in this judgment (I haven't read it yet, relying on news reports) 
tends to conflate a relationship outside of marriage that leads to children and 
a sustaines sexual relationship where the parties have no intention to be bound 
to each other. Reasoning is worrisome but result is laudable. 

Sent from BlackBerry® on Airtel

-Original Message-
From: ashok_ listmans...@gmail.com
Sender: silklist
 silklist-bounces+nikhil.mehra773=gmail@lists.hserus.netDate: Tue, 18 Jun 
2013 16:31:01 
To: silklist@lists.hserus.net
Reply-To: silklist@lists.hserus.net
Subject: [silk] cohabitation rights in india

Doesnt this judgement give some legal legs to cohabitation rights in India
?


http://www.thehindu.com/news/national/tamil-nadu/couples-who-have-premarital-sex-to-be-considered-married-says-hc/article4824017.ece


 If any unmarried couple of the right legal age “indulge in sexual
gratification,” this will be considered a valid marriage and they could be
termed “husband and wife,” the Madras High Court has ruled in a judgment
that gives a new twist to the concept of premarital sex.

The court said that if a bachelor has completed 21 years of age and an
unmarried woman 18 years, they have acquired the freedom of choice
guaranteed by the Constitution. “Consequently, if any couple choose to
consummate their sexual cravings, then that act becomes a total commitment
with adherence to all consequences that may follow, except on certain
exceptional considerations.”

The court said marriage formalities as per various religious customs such
as the tying of a mangalsutra, the exchange of garlands and rings or the
registering of a marriage were only to comply with religious customs for
the satisfaction of society.

The court further said if necessary either party to a relationship could
approach a Family Court for a declaration of marital status by supplying
documentary proof for a sexual relationship. Once such a declaration was
obtained, a woman could establish herself as the man’s wife in government
records. “Legal rights applicable to normal wedded couples will also be
applicable to couples who have had sexual relationships which are
established.

The court also said if after having a sexual relationship, the couple
decided to separate due to difference of opinion, the ‘husband’ could not
marry without getting a decree of divorce from the ‘wife’.

Justice C.S. Karnan passed the order on Monday while modifying an April
2006 judgment of a Coimbatore family court in a maintenance case involving
a couple. The lower court had ordered the man to pay monthly maintenance of
Rs. 500 to the couple’s two children and Rs. 1000 as litigation expenses.
The lower court observed that the woman’s wedding with the man had not been
proved by documentary evidence. Hence, she was not entitled to maintenance.

In her appeal to the High Court, the woman’s counsel contended that she was
legally married and had two children in wedlock.

Justice Karnan said he was of the view that a valid marriage did not
necessarily mean that all the customary rights pertaining to the married
couple are to be followed and subsequently solemnised. In the present case,
the woman and her husband had no encumbrance or other disqualification for
solemnising their wedding as per their customs. For solemnising a wedding,
legal aspects should be placed on a higher scale than the customary
aspects. In this case, the man had signed in the ‘live birth report’ of his
second child and given his consent for a Caesarean section for its birth.
As such, he had officially admitted that she was his wife.

“Without legal encumbrance or third party interference or without affecting
third party rights, both the petitioner and the respondent lived together
as spouses and begot two children.” Therefore, the question of an
illegitimate relationship did not arise. Wedding solemnisation was only a
customary right, but not a mandatory one. Hence, the judge said, he was
treating the couple as spouses in normal life.

“It is not disputed that the petitioner has been a spinster before she gave
birth and that the respondent was a bachelor before developing sexual
relationship with the petitioner. Both of them led their marital life under
the same shelter and begot two children. Therefore, the petitioner’s rank
has been elevated as the `wife’ of the respondent and likewise, the
respondent’s rank has been elevated as the `husband’ of the petitioner.
Therefore, the children born to them are legitimate children and the
petitioner is the legitimate wife of the respondent.”

The judge directed the woman’s husband to pay her a monthly maintenance of

Re: [silk] cohabitation rights in india

2013-06-18 Thread Suresh Ramasubramanian
There are other signs of a longer term relationship. Co-signing on bank 
accounts, house paperwork .. with alimony the other factor beyond just child 
support.

--srs (iPad)

On 18-Jun-2013, at 19:05, Nikhil Mehra nikhil.mehra...@gmail.com wrote:

 Don't like the sexual gratification language. That reasoning is a blow to 
 sexual autonomy. But, yes, this judgment is in furtherance of 2 judgments of 
 the SC in 2005 which accepted the fact that line-in relationships give rise 
 to rights akin to marriage in terms of prevention of domestic violence and 
 maintenance upon separation. 
 
 The reasoning in this judgment (I haven't read it yet, relying on news 
 reports) tends to conflate a relationship outside of marriage that leads to 
 children and a sustaines sexual relationship where the parties have no 
 intention to be bound to each other. Reasoning is worrisome but result is 
 laudable. 
 
 



Re: [silk] cohabitation rights in india

2013-06-18 Thread Nikhil Mehra
Precisely. Joint accounts are the standard under English law. Basically, the 
law tries to establish objective sign posts to enable people to understand when 
they're stepping out of the relatively non-commital nature of a relationship 
that can be ended at nil financial cost, and those that tread on rights akin to 
marriage. 

Sent from BlackBerry® on Airtel

-Original Message-
From: Suresh Ramasubramanian sur...@hserus.net
Sender: silklist
 silklist-bounces+nikhil.mehra773=gmail@lists.hserus.netDate: Tue, 18 Jun 
2013 19:15:55 
To: silklist@lists.hserus.netsilklist@lists.hserus.net
Reply-To: silklist@lists.hserus.net
Subject: Re: [silk] cohabitation rights in india

There are other signs of a longer term relationship. Co-signing on bank 
accounts, house paperwork .. with alimony the other factor beyond just child 
support.

--srs (iPad)

On 18-Jun-2013, at 19:05, Nikhil Mehra nikhil.mehra...@gmail.com wrote:

 Don't like the sexual gratification language. That reasoning is a blow to 
 sexual autonomy. But, yes, this judgment is in furtherance of 2 judgments of 
 the SC in 2005 which accepted the fact that line-in relationships give rise 
 to rights akin to marriage in terms of prevention of domestic violence and 
 maintenance upon separation. 
 
 The reasoning in this judgment (I haven't read it yet, relying on news 
 reports) tends to conflate a relationship outside of marriage that leads to 
 children and a sustaines sexual relationship where the parties have no 
 intention to be bound to each other. Reasoning is worrisome but result is 
 laudable. 
 
 



Re: [silk] Dan Pallotta: The way we think about charity is dead wrong | Video on TED.com

2013-06-18 Thread Ingrid Srinath
Meanwhile this welcome development: GuideStar, BBBWiseGiving, Charity Navigator 
campaign to end charity overhead myth:

http://trust.guidestar.org/2013/06/17/launching-a-campaign-to-end-the-overhead-myth/

Ingrid Srinath


On 16 Jun 2013, at 21:46, Vinayak Hegde vinay...@gmail.com wrote:

 On Wed, Apr 10, 2013 at 12:33 PM, Ingrid Srinath
 ingrid.srin...@gmail.comwrote:
 
 One via media that works is organisations who get their start-up costs,
 investments funded by foundations allowing contributions from the public to
 be used almost entirely for programmes.
 
 An article relevant to this thread.
 
 TL;DR version - $1.3Billion Donated ,$1 Billion siphoned off to
 solicitation organisations. Worst charity only $0.03 out of $1 donated goes
 to charity. Conflicts of interests, Tax-evasion shenanigans and corruption
 is rampant in these charities mentioned in the article.
 
 http://edition.cnn.com/2013/06/13/us/worst-charities
 
 -- Vinayak


[silk] [liberationtech] NSA flag terms

2013-06-18 Thread Eugen Leitl
- Forwarded message from Yosem Companys compa...@stanford.edu -

Date: Tue, 18 Jun 2013 07:59:08 -0700
From: Yosem Companys compa...@stanford.edu
To: Liberation Technologies liberationt...@lists.stanford.edu
Cc: Khannea Suntzu khannea.sun...@gmail.com
Subject: [liberationtech] NSA flag terms
Reply-To: liberationtech liberationt...@lists.stanford.edu

From: Khannea Suntzu khannea.sun...@gmail.com

This is an (admittedly huge) list of words that supposedly cause the
NSA to flag you as a potential terrorist if you over-use them in an
email.

We found this on Reddit, where James Bamford, a veteran reporter with
30 years experience covering the NSA, is answering questions from the
community. This list comes from Reddit user GloriousDawn, who found it
on Attrition.org, a site that very closely follows the security
industry.

You may want to peruse this entire list yourself, but here are some of
our favourites that stick out:

· dictionary

· sweeping

· ionosphere

· military intelligence

· Steve Case

· Scully

And the full list for your browsing pleasure:

Waihopai, INFOSEC, Information Security, Information Warfare, IW, IS,
Privacy, Information Terrorism, Terrorism Defensive Information,
defence Information Warfare, Offensive Information, Offensive
Information Warfare, National Information Infrastructure, InfoSec,
Reno, Compsec, Computer Terrorism, Firewalls, Secure Internet
Connections, ISS, Passwords, DefCon V, Hackers, Encryption, Espionage,
USDOJ, NSA, CIA, S/Key, SSL, FBI, Secert Service, USSS, Defcon,
Military, White House, Undercover, NCCS, Mayfly, PGP, PEM, RSA,
Perl-RSA, MSNBC, bet, AOL, AOL TOS, CIS, CBOT, AIMSX, STARLAN, 3B2,
BITNET, COSMOS, DATTA, E911, FCIC, HTCIA, IACIS, UT/RUS, JANET, JICC,
ReMOB, LEETAC, UTU, VNET, BRLO, BZ, CANSLO, CBNRC, CIDA, JAVA, Active
X, Compsec 97, LLC, DERA, Mavricks, Meta-hackers, ^?, Steve Case,
Tools, Telex, Military Intelligence, Scully, Flame, Infowar, Bubba,
Freeh, Archives, Sundevil, jack, Investigation, ISACA, NCSA, spook
words, Verisign, Secure, ASIO, Lebed, ICE, NRO, Lexis-Nexis, NSCT,
SCIF, FLiR, Lacrosse, Flashbangs, HRT, DIA, USCOI, CID, BOP, FINCEN,
FLETC, NIJ, ACC, AFSPC, BMDO, NAVWAN, NRL, RL, NAVWCWPNS, NSWC, USAFA,
AHPCRC, ARPA, LABLINK, USACIL, USCG, NRC, ~, CDC, DOE, FMS, HPCC,
NTIS, SEL, USCODE, CISE, SIRC, CIM, ISN, DJC, SGC, UNCPCJ, CFC, DREO,
CDA, DRA, SHAPE, SACLANT, BECCA, DCJFTF, HALO, HAHO, FKS, 868, GCHQ,
DITSA, SORT, AMEMB, NSG, HIC, EDI, SAS, SBS, UDT, GOE, DOE, GEO,
Masuda, Forte, AT, GIGN, Exon Shell, CQB, CONUS, CTU, RCMP, GRU, SASR,
GSG-9, 22nd SAS, GEOS, EADA, BBE, STEP, Echelon, Dictionary, MD2, MD4,
MDA, MYK, 747,777, 767, MI5, 737, MI6, 757, Kh-11, Shayet-13, SADMS,
Spetznaz, Recce, 707, CIO, NOCS, Halcon, Duress, RAID, Psyops, grom,
D-11, SERT, VIP, ARC, S.E.T. Team, MP5k, DREC, DEVGRP, DF, DSD, FDM,
GRU, LRTS, SIGDEV, NACSI, PSAC, PTT, RFI, SIGDASYS, TDM. SUKLO, SUSLO,
TELINT, TEXTA. ELF, LF, MF, VHF, UHF, SHF, SASP, WANK, Colonel,
domestic disruption, smuggle, 15kg, nitrate, Pretoria, M-14, enigma,
Bletchley Park, Clandestine, nkvd, argus, afsatcom, CQB, NVD, Counter
Terrorism Security, Rapid Reaction, Corporate Security, Police,
sniper, PPS, ASIS, ASLET, TSCM, Security Consulting, High Security,
Security Evaluation, Electronic Surveillance, MI-17, Counterterrorism,
spies, eavesdropping, debugging, interception, COCOT, rhost, rhosts,
SETA, Amherst, Broadside, Capricorn, Gamma, Gorizont, Guppy,
Ionosphere, Mole, Keyhole, Kilderkin, Artichoke, Badger, Cornflower,
Daisy, Egret, Iris, Hollyhock, Jasmine, Juile, Vinnell, B.D.M.,Sphinx,
Stephanie, Reflection, Spoke, Talent, Trump, FX, FXR, IMF, POCSAG,
Covert Video, Intiso, r00t, lock picking, Beyond Hope, csystems,
passwd, 2600 Magazine, Competitor, EO, Chan, Alouette,executive, Event
Security, Mace, Cap-Stun, stakeout, ninja, ASIS, ISA, EOD, Oscor,
Merlin, NTT, SL-1, Rolm, TIE, Tie-fighter, PBX, SLI, NTT, MSCJ, MIT,
69, RIT, Time, MSEE, Cable  Wireless, CSE, Embassy, ETA, Porno, Fax,
finks, Fax encryption, white noise, pink noise, CRA, M.P.R.I., top
secret, Mossberg, 50BMG, Macintosh Security, Macintosh Internet
Security, Macintosh Firewalls, Unix Security, VIP Protection, SIG,
sweep, Medco, TRD, TDR, sweeping, TELINT, Audiotel, Harvard, 1080H,
SWS, Asset, Satellite imagery, force, Cypherpunks, Coderpunks, TRW,
remailers, replay, redheads, RX-7, explicit, FLAME, Pornstars, AVN,
Playboy, Anonymous, Sex, chaining, codes, Nuclear, 20, subversives,
SLIP, toad, fish, data havens, unix, c, a, b, d, the, Elvis, quiche,
DES, 1*, NATIA, NATOA, sneakers, counterintelligence, industrial
espionage, PI, TSCI, industrial intelligence, H.N.P., Juiliett Class
Submarine, Locks, loch, Ingram Mac-10, sigvoice, ssa, E.O.D., SEMTEX,
penrep, racal, OTP, OSS, Blowpipe, CCS, GSA, Kilo Class, squib,
primacord, RSP, Becker, Nerd, fangs, Austin, Comirex, GPMG, Speakeasy,
humint, GEODSS, SORO, M5, ANC, zone, SBI, DSS, S.A.I.C., Minox,
Keyhole, SAR, 

[silk] Old book smell

2013-06-18 Thread Udhay Shankar N
Interesting. We've had conceptually similar discussions in the past [1],
too.

Udhay

[1] http://groups.yahoo.com/group/silk-list/message/5271


http://blogs.smithsonianmag.com/smartnews/2013/06/that-old-book-smell-is-a-mix-of-grass-and-vanilla


June 18, 2013 9:30 am
That “Old Book Smell” Is a Mix of Grass and Vanilla

Smell is chemistry, and the chemistry of old books gives your cherished
tomes their scent. As a book ages, the chemical compounds used—the glue,
the paper, the ink–begin to break down. And, as they do, they release
volatile compounds—the source of the smell. A common smell of old books,
says the International League for Antiquarian Booksellers, is a hint of
vanilla: “Lignin, which is present in all wood-based paper, is closely
related to vanillin. As it breaks down, the lignin grants old books that
faint vanilla scent.”

A study in 2009 looked into the smell of old books, finding that the
complex scent was a mix of “hundreds of so-called volatile organic
compounds (VOCs) released into the air from the paper,” says the
Telegraph. Here’s how Matija Strlic, the lead scientist behind that
study, described the smell of an old book:

A combination of grassy notes with a tang of acids and a hint of
vanilla over an underlying mustiness, this unmistakable smell is as much
a part of the book as its contents.


-- 
((Udhay Shankar N)) ((udhay @ pobox.com)) ((www.digeratus.com))