Pranam
Certain presentations extracted from source outdated are incorporated with
precinct data here:
Q2 Senior citizens: Rights are granted but they are useless in many
ways; SS is given no priority in the Banks and premium purposes. The SS is
predicted to die THE NEXT DAY; PREDICTED AS IMBALANCED; PREDICTED AS
INOPERATIVE CONSUMERS. They are the economic savers of the nation but the
loans are given to throw away and cheat customers. A housing loan is
granted to the 30 years so easily for a 30 years period thinking they
won't die by mortal statistics. On the contrary a 55 year old will not be
given that loan as collection of the loan is impossible. If a 30 year
old dies when he is 32, how would the loan advance be collected from?. On
the contrary a 55 may live upto 85 as well as can get the dense liquidity
sooner or later to clear the debts. Where exactly the age entered
surreptitiously?
A life premium is lower when in 20 or 30 year old whereas it is
higher when one is 60+. Premium variation is mathematically correct.
However, where an Insurance earns from insurers between the age of 20 to 60
premium, IN ENTIRETY (as falling sick may not be a routine and regular
occurrences whereas...) the Insurance extracts high premium with conditions
stipulated and hidden clauses to knock away the benefits to the aged who
is sure to fall sick. Both ways the insurer is benefitted. Maybe STAR
health does something better than others. Insurance can jack up the
premium, due to the acts of the intelligences opf the insured; but falling
sik is the clause to insure , cannot be equated as negligent to shoot up
the premium. Insurance is tough in all countries of the earth especially
USA, UK and Australia. But helping the insurer in long run policies is with
equity than in India.
Now SS contributes to FDs and other modes of Banking operations in
larger quantum than a business or the salaried classes; yet the benefits
reaped is not in equity. Visiting home to collect the deposit is free of
cost whereas getting money to home is charged; why not the bank deduct from
those charges debited a sizable amount on receiving the deposits, crediting
the account?. A business has 6 digit deposits and 7 digits loans and write
off even going upto 9 or 10 digits with the accumulated interests. A
salaried person may not have the minimum balance even as he is burdened
with actions in life; maximum a personal loan that too insignificant amount
after elaborate paper works. But SS has no other go of the trusted sources
so contribute to the banking capitals.
They will silently auto renew once; now old people must remind them
to renew or else the bank can use them paying least interest?!!. The
nation's economy does not depend on bad debts uncollected but only fend by
reducing the FD interest (YMji will be happier). Senior citizens may have a
crore deposit in the bank;but they are not eligible for the credit cards;
and they will be forced to have the debit cards unusable even to change
their pin and charge them indirectly.
If credit cards were to be provided that will be binding on their
deposits. But these rules are flouted for the junior citizens and even the
senior citizen business people who may draw BIG TIRUPATI to the bank. HDFC
cr card is well ahead; if you own their cr cards and debit cards, you may
be the biggest depositor of that Branch; you are not perceived as a SS and
SECURITY PROBLEM for the deposits. But for their credit cards creating and
changing the pin for each transaction done you must HAVE A PIN ONLY BY
GOING TO THE NEAREST ATM; Its because old age people has a lot of security
failures as they depend on 3rd party to draw by revealing the PIN so if you
go to ATM you are sane!!!. But why does that security principle not apply
to deposits?.
Why don't the banks say we don't receive deposits from SS as it
involves security problems? For Dr cards only Voice over responses is in
vogue in HDFC.
There used to be once multiple nominations in banks; now only one
nomination can be filed. Of Course Nomination is not a will. But it can
invoke many court problems. A person below 50 may not have a greater
problem of keeping only one his wife and minor child. But as a SS a person
may have good wealth in banks; and major children all around the earth; all
children are good; but who will play the trump cards at the right time
after the death, is known only to GOD. You place one son or daughter as
nominated; and leave a will dividing assets 25% EACH. The one crore deposit
even without that will, can be paid to the nominee (pl dont quote law
against etc into accounts etc as managers paying is also according to the
law) and the nominee son or daughter ( if it is wife OK) may usurp away
and the other 3 children must go to court to claim. Say 10 years' case;
that crore will double; yet the son or daughter will get another crore free
plus 25%!!.
So Senior citizens need not have any benefit as train fare
withdrawals but treat with equity [what is applying to 20 applies to 100.
Q7 A silly question and ANSWER. mETROPOLITAN is a recent
definition. Any city where the economy is a mix because of many cross
sections intervening the life is a metro. Not by train name. Chennai was
long back, one such when all of us were teens and just "tys". The author
might have one contributor to make it a metro too. The original residents
are seeing all of them; they are now migrating from the center metro to
peripheral cities to make it a future metro.
Q9 I do not understand the author's reply that electric guitar is
cheaper than acoustic etc!!!. Acoustic and electric are similar in make. I
started as a Banjo player in school and as I entered college learnt to play
acoustic Guitar , the drums and to be a music conductor also. Electric
concept was introduced by the VENTURES AS PEDAL PUSHERS AND POP CORNS (
PEOPLE WHO USED TO SEE THE MOVIES IN ANAND THEATRE WOULD HAVE NOTICED THE
GUITAR TUNE PLAYED WHILE RED SCREEN IS BEING LIFTED UP) . That was the time
when the Beatles became more famous than Cliff Richard because of the "it
was hard days night" ringing the ventures BGM in electric guitar. At that
time we formed our music troup named it as RINGING GUITARS; our main
guitarist Kannan used the electric ,converting with the plugs and certain
hand tools to pull and pluck which cost more than the acoustic. It was to
be created with the wood clipper, electrician and electronic gadgets and
electricity with the adopters. Thge shapes of Guitars then changed to to
weave across at the bottom of the hand (right or left) chipping a stylish
curve. Thus many instruments became electrically converted. Mandolin later
became one such where Carnatic mandolin father Srinivasan and sons became
famous. Chitti babu plucked in Veena in T Nagar Sivaji st where we used to
assemble to learn CHINA SIRU KILIYE. Mandolin Srini played at my daughter's
wedding reception long after. Better to travel within the known subjects
please.
Q10 missing
Q11 Both are cleanable which I have done for the past 4 decades. As a
matter of fact today's table fans are tough to open and close as Chinese
models have a plastic circular sheet with screw (nut and bolt) to tight;
and it is easier to open but tough to place back and screw tight. So table
fans must be brushed up from outside only but the center unreachable part
will be greasy and darkened. I used to open the ring outside ; clean
totally; and then clip the four directions of the front and back panel; ( I
use USA clips orange colour) ; then open clip by clip and insert the ring;
then screw the bolt with the nut place; so the ring automatically fixes;
then remove the clips. So there is no problem in cleaning fans;
nowadays fans ceiling without collecting dust is in the market. KR
IRS 26622
On Sun, 26 Jun 2022 at 07:19, 'gopala krishnan' via iyer123 <
[email protected]> wrote:
> *CULTURAL QA 06-2022-26*
>
> *BEING A COMPILATION THERE MAY BE ERRORS*
>
> Q1 What happens if we overuse detergent?
>
> A1 Gopala Krishnan, Former Assistant General Manager 1996-2004
> at Department of Telecom (1966–2004)Just now
>
> Simple answer- more washing is required if it is in the washing machine.
> If accidentally one used more detergent liquid or powder, after washing
> cycle is completed, before drying, perform a 2nd washing cycle.
>
> But if one is washing using detergent bar in a river ghat or pond, simply
> wash more time in the moving water. Nowadays washer men also use large size
> modified washing machines.
>
> Q2 What are the concessions available to senior citizens in
> India?
>
> A2 Gopalkrishna Vishwanath True Indian, who feels at home
> anywhere in India. Thu
>
> I am a senior citizen. I am 73 years old.
>
> To be eligible to be called a senior citizen, one must be at least 60
> years old.
>
> These are some concessions that I am aware of. If I have missed any,
> please let me know.
>
> *My note- For women it is/was 55 years.*
>
> 1)We have seats reserved in public transport (buses and metros) and in
> some states, there is a concession in bus fares. *We used to have
> concessions in Rail fares but this has now been withdrawn.*
>
> 2)We have special queues for senior citizens in some places.
>
> 3)Our income up to Rs 3 lakhs per annum is exempted from tax. For others,
> it is 2.5 lakhs. For very senior citizens (80 years and above) *the limit
> is Rs 5 lakhs and for them, e-filing of Income-tax returns is not
> mandatory.*
>
> 4)Senior citizens are exempted from payment of advance tax.
>
> 5)Interests earned from bank deposits up to Rs 50,000 is exempt from tax
> and no TDS is deducted for interest income up to this limit.
>
> 6)We get rebates on Medical insurance premiums.
>
> 7)We get an income tax rebate for medical treatment of specified diseases.
>
> 8)Some airlines provide concessions in airfares in economy class.
>
> *My note- it is for basic fare like Rs 500-00. Concession Rs 50-00. Not on
> the cost of ticket.*
>
> 9) Senior citizens are given concessions in Ration shops.
>
> 10) Some states give destitute old persons a pension.
>
> 11)Courts may give priority to the hearing of cases involving senior
> citizens.
>
> 12)Oct 1 is observed internationally as Senior Citizens Day and
> celebrations are held in some places and some senior citizens are
> felicitated.
>
> On Quora, I get trolled less than others! *Some people still respect grey
> hair or a bald head.*
>
> Edited to add the comment by Krishna Prasath
>
> They also receive 0.50 percent interest more than normal customers on FD
> in PSB
>
> Edited to add the comments by Ganesan Krishnamurthy and Rahul Gojame
>
> In Chennai the MTC provides ten free journeys a month by city buses to
> senior citizens. They can apply to the organisation and obtain a pass for
> this.
>
> In Tirumala, Senior citizens have separate and direct darshan queue from
> front door of temple. (Which takes 15–20 mins only compare to normal queue
> 3–4 hours)
>
> *My note- In Guruvayoor also from morning 6 AM to* 7 AM and same time 6PM
> to 7PM
>
> Q3 Can builders charge maintenance before a society handover?
>
> A3 Prasanna Bhalerao I have some experience in real estate
> deals. Tue
>
> The normal lifecycle of the building and residents is as follows:-
>
> *Builders buys land*
>
> Builders creates a plan, hires architects, takes permissions, and then
> promotes his scheme (hence the name promotor-builder).
>
> Retail customers book the apartments, tenements, etc. They pay up in
> stages. Most take up a home loan for the purpose.
>
> Builders finishes the building and the promised public amenities
> (garden/park, gym, community hall, swimming pool, etc.), the architect
> certifies it, and the city council gives the completion certificate.
>
> The buyers moves in to occupy the tenements (assuming fully paid up).
>
> Builder has to form the housing society and complete the conveyance. But
> builder can't (doesn't) do it till the last property is sold.
>
> The process and time between first handover (to the first buyer) and
> society formation can be anywhere from 6 months to 3+ years. The builder
> must maintain and pay for regular expenses of the society till then.
>
> Once the society is formed, the builder hands over the normal affairs,
> administration and day-to-day running of the building complex to the
> society.
>
> *The society collects AMC from the residents to run the affairs and meet
> the costs.*
>
> I would like to draw attention to point 7. The running cost of the
> building and the complex continues whether the society is formed or not.
> The builder's responsibility finishes at completion stage. Who is going to
> pay for the running costs till the society is formed, etc.? So builder has
> the right to charge AMC till then. *But what many builders are doing is
> that they charge a hefty one-time maintenance fee from all residents and
> user that money for building running costs.* After the society is formed,
> the builder presents the book of accounts and remaining balance to the
> newly formed society.
>
> Q4 Why are London commuters so upset about the "tube strike"
> when there are buses, overground trains, taxis, hire bicycles, and
> e-scooters to travel on?
>
> A4 Ernest W. Adams Game design consultant, author and
> professor Mon
>
> *The Underground is far more reliable and convenient than the buses*.
> Taxis are expensive. Bicycles are deeply, terrifyingly unsafe in London
> traffic and only young people who still think they're immortal use them.
> *Overground
> trains don't go nearly as many places as the Tube does.*
>
> The Tube is London's bloodstream and when it's not available, all hell
> breaks loose on the surface.
>
> Q5 What would be the estimated price of a solar panel setup in
> India?
>
> A5 Luminous Solar Jun 17
>
> Many people ask about the cost of installing solar panels, but there is no
> clear answer available on the internet. *Solar panels, on average, cost
> about Rs. 40,000, or between Rs. 36,000 o Rs. 44,000 depending on the model
> and type*. It is true that solar panels can help you save money, but it
> is also important to know the overall set-up cost of solar panels so as to
> plan your budget.
>
> The average cost of 1kW of a solar panel is: -
>
> Average cost – Rs. 40,000 Lowest cost – Rs. 32,000
>
> Highest cost – Rs. 44,000
>
> Monocrystalline solar panel, which is the most energy-efficient option,
> costs around Rs. 43 to Rs. 63 per watt. While the bifacial solar panel
> costs about Rs. 37 to Rs. 52 per watt. At last, polycrystalline solar
> panels, being a less energy-efficient option, cost around Rs. 30 to Rs. 36.
>
> If you are looking to buy solar panels for your home, you can reach out to
> the experts of brands like Luminous
>
> *My note- This QA is not intended to recommend any type*
>
> Q6 Do threaded plumbing fittings leak water?
>
> A6 Ron Johnson,Residential Maintenance Specialist
> (2001–present)Thu
>
> They can. *If the seal between the male and female parts are not tight
> enough. In order to assist, they came up with two different applications.*
>
> The first is “Plumbers Tape”, which, for water pipes is white tape about a
> half-inch wide. Wrapping it around the threads of the male section 3 times
> is the standard for applying it: make sure you wrap in the clockwise
> direction (the direction you rotate the female section in relation to the
> male) otherwise the threads will bunch up and not work. When using the
> tape, do not pull it apart from the reel itself; I found that soon you will
> have half the width, then you’ll soon need to toss away the rest of the
> tape. Hold the tape coming off the reel tightly between your thumb and
> forefinger before you pull it apart; this will keep the reel from getting
> messed up.
>
> *The second is “Plumbers Dope”, also known as* *“Threading Compound*”.
> It’s put on the threads and acts as a sealant but doesn’t act like a glue,
> so later you can unscrew the parts if necessary.
>
> When I was a Junior Plumber’s Assistant Trainee of The Lowest Order, I was
> told that certain sizes you use tape, certain sizes you use the dope and
> the larger sizes you use both. I now use both on all sizes and have no
> problems with leaks. First the tape then the compound. This is the best
> way, in my experience in connecting threaded parts.
>
> BE AWARE: There are certain brass compression fittings (for gas or air or
> fridge ice machine) that don’t use either as the fittings themselves are
> designed to have a tight fit without assistance.
>
> Q7 How did Chennai become a metropolitan city?
>
> A7 Subramaniam Duraisamy, Lives in Chennai, Tamil Nadu,
> IndiaJun 20
>
> Chennai has already been on of the oldest municipal corporations in the
> Commonwealth and the second oldest corporation in the world. To
> understand this, we need to go back to 1687, British India
>
> This is Sir Josiah Child one of the chairmen of the British East India
> company who wrote about the necessity of a Municipal Corporation in the
> South-Eastern shores of Indian subcontinent. The document written in
> September 1687, came into effect next year and the first municipal
> corporation was formed. The first mayor was an American born Englishman-
> Nathaniel Higginson. From then on, it has been in function ever since.
>
> *From the website of Greater Chennai Corporation*
>
> On the appointed date, 29th September 1688, the Corporation was
> inaugurated with all due solemnity, the Mayor and others taking their
> respective oaths. After lunch, towards three in the afternoon the whole
> Corporation marched in their several robes, the Aldermen in scarlet serge
> gowns, and the Burgesses in white China Silk, with the Mace carried before
> the Mayor in procession to the Town Hall.
>
> Mr. Higginson served only six months as Mayor and resigned. He was
> succeeded in his office by Mr.Littleton. The Corporation soon complained
> that they had no revenues or funds for carrying out the works expected of
> them, such as the construction of a Town Hall, School house, etc. The
> Council gave them the right to collect the existing petty taxes of paddy
> toll, measuring and weigher’s duty and brokerage paid by the Town brokers.
> But these sources of revenue were applied to other objects than those which
> the Corporation specified and there arose a quarrel between Governor and
> the Mayor’s Court. Governor Yale had meanwhile quarreled with several of
> his Councillors, some of whom were Aldermen and he proposed to withdraw
> these taxes from the purview of the Corporation. These differences were
> supplemented by other causes of quarrel between the Governor and the
> Mayor’s Court. Under the Charter there was a right of appeal from the
> Mayor’s Court to the Court of Admiralty. But since the latter Court became
> extinct in 1689, the Mayor’s Court held that its own decisions were final.
> Yale objected to this and the quarrel was made the bitterer on this account.
>
> *Welcome to Greater Chennai Corporation*
>
> One of the most important events during the Governorship of Yale was the
> institution of a Mayor and Corporation for the City of Madras. The
> important of the creation of a Corporation of Madras, which is the earliest
> of its kind in British India, has not been sufficiently stressed by
> historians. The originator of the scheme was Sir Josiah Child, the
> masterful and imperious Governor of the Court of Directors, who had already
> made the fire and vigour of his pen felt by the Madras Council. *The idea
> of a Municipal Government of Madras was taken by Child from the Dutch
> Government in the East Indies. In the general letter to Madras dated the
> 28th September 1687, Child detailed a plan for the formation of a
> Corporation composed of Englishmen mixed with a few Indians for good
> measure* and equipped with a regular Mayor, Aldermen and Burgesses, a
> Recorder and a Town Clerk and armed with power to decide petty cases and to
> levy rates upon the inhabitants for the building of schools, of a town hall
> and a jail. Child was particular that the Court of Aldermen should be
> composed of three English Freemen, three Portuguese and seven Moors and
> Hindus and that the Mayor, Aldermen and Burgesses should, before they
> entered upon their offices, take an oath to be true and faithful to the
> English King and to the Company; and that the three English Aldermen should
> always be servants of the Company. Conservancy and Public Health were not
> thought of in those glamorous days. In this elaborate letter Child invited
> the Madras Governor and Council to offer their own suggestions to his draft
> scheme. But yet within three months of his first letter, he and the Deputy
> President of the Company had an audience with King James II, and it was
> decided at this audience to send out a ready drawn Charter under the
> Company’s seal for the formation of the Madras Corporation; and along with
> this Charter, which was issued by the Company on the 30th December 1687
> were sent out the Maces and the Sword together with orders that the
> Corporation should be immediately started. “Our Town of Fort St. George
> commonly called the Christian town and City of Madrassapatam upon the coast
> of Coromandel in the East Indies and all the territories, thereunto
> belonging, not exceeding the distance of ten miles from Fort St.George to
> be a Corporation under us by the Name and Title of the Mayor, Aldermen and
> Burgesses of the Town of Fort St.George and the City of Madrassapatam” was
> the heading of the Charter. There were to be twelve Aldermen and sixty
> Burgesses. Mr. Nathaniel Higginson, Second in Council, was nominated the
> first Mayor. Three other English members of the Council three Portuguese
> merchants, three Jewish merchants-there was a fair sized Jewish colony in
> Madras at that time-and three Hindus were nominated Aldermen in the Charter
> itself. These latter were Chinna Venkatadri, the younger brother of Beri
> Timmana, whom he succeeded in the office of Chief Merchant, Mooda Verona
> who was also Chief Merchat for s
>
> *In 1913, the efforts of British Viceroy- Lord Ripon , felt the need for
> Indians to have a greater role in local governance- primarily because large
> cities and* port hubs like Mumbai and Chennai can directly come under the
> British with a local Mayor leading the elections at lower levels. This
> allowed the Brits to focus on the hinterlands.
>
> *Ripon Building which houses the Chennai Corporation office till date.*The
> office of the Mayor was abolished in 1801 and then revived in 1933 by the
> efforts of Kumararajah - the then President of the Corporation conducted
> the first local body elections which was won by Sir Pitty Theagaroya Chetty
>
> Q8 How does an electric kettle automatically turn off after
> the water begins to boil?
>
> A8 Ian Woollard Electronics Engineer Updated 9mo
>
> *There’s a bimetallic bistable spring (usually a disk shaped spring) on*
> a shaft that touches the internal electrical power switch for the heater.
> This is bistable which means it has two states- hot and cold. When it’s
> cold it’s dished downwards, when it gets hot, it turns inside out and
> dishes upwards.
>
> Normally the power switch is in the off position. When you press the
> external button it pushes down on the shaft and there’s a mechanism which
> latches it pressing against the power button which switches the kettle on.
> The water then heats up. Eventually it boils the water. When that happens
> some of the escaping steam passes over the bimetallic spring. Once it gets
> hot enough, the bimetallic spring inverts and pushes the shaft away from
> the internal power switch, and turns off the kettle and the button pops up.
>
> *One oddity of this system is about twenty minutes after the kettle has
> boiled, there is a single loud tick* noise. That’s the bimetallic spring
> that has finally cooled off and has inverted back to its normal cold
> position, and it’s no longer holding the kettle off. Before that happens if
> you fill up the kettle with fresh water, you can force the kettle on by
> pressing the button with your finger- that will manually invert the spring
> (unless you do it immediately after boiling, in which case it’s still too
> hot and will turn off the kettle as soon as you let go of the button.)
>
> *Another subtlety of all this is that the thermostat is set well below the
> boiling point of water. That works* because it’s only heated by the
> steam, so until the kettle boils not enough steam reaches the thermostat to
> switch it off, this means that electric kettles will still work at high
> altitudes where the boiling point is well below 100C.
>
> *There’s also invariably a safety feature that cuts off the power if you
> forget to fill the kettle. In that case* there would be no steam and the
> electric element would overheat and could potentially cause a fire. Instead
> a second thermostat or fusible link cuts the power if the element gets far
> too hot- well over boiling. That system will also kick in if you leave the
> lid open, then the steam won’t pass over the thermostat and the kettle will
> continue until it boils dry, then the element will overheat and it will
> shut down.
>
> Q9 Why are acoustic guitars more expensive than electric?
>
> A9 Andrew McGregor Built a couple of electric guitars. Jun 11
>
> *They are much, much, much harder to build.*
>
> Electric guitars were designed from the very beginning to be cheap and
> fast to make. You can get away with using very cheap wood, and it’s mostly
> an industrial furniture kind of process to make one.Acoustic guitars, on
> the other hand, need quality materials and a lot of hand work on the basic
> structure. You can’t make a wood plate as thin as the soundboard of an
> acoustic at all without starting with high quality material.Yes, acoustics
> are more tolerant of fretwork, but since both instruments need the same
> fretwork process done, and it’s not that hard to get it perfect, that can’t
> be the reason.
>
> Q11 Are ceiling fans or plug-in fans more environment-friendly?
>
> A11 Gopala Krishnan,Former Assistant General Manager 1996-2004
> at Department of Telecom (1966–2004)Just now
>
> Table fans and pedestal friends can be cleaned more easily. Where ceiling
> fans are not feasible, plug in wall fitting fans are provided. So all
> models wall fitting fans and ceiling fans cannot be cleaned with ease.
> Pedestal fans occupy space in the floor, and one has to be cautious about
> cable connection. Table fans can fall if some body tilt the stool on which
> normally it is kept. Further naughty kids may insert fingers through the
> outer net type covering.
>
> Ceiling fans collect dust on the blades. In small rooms one has to ensure
> the ceiling fan is switched OFF before searching things in the loft
> standing on ladder/stool . Otherwise rotating blades may injure severely
> body parts.*So there are minus and plus with both type of fans. One has
> to be cautious with both. I am not able to* answer which one is
> environment friendly
>
> *All the above QA are from Quora website on 25-06- 2022.*
>
> *Quora answers need not be 100% correct answers .*
>
> *Compiled **and posted by R. Gopala krishnan on 26-06-2022*
>
>
>
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