EconPapers: Sustainability2016-09-22 2:34:59
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Keep these essential papers in place and inform at least one family member so that your heirs don’t have to run from pillar to post to inherit what is rightfully theirs.
1) Primary documents
These include your birth certificate, marriage certificate, PAN card, passport, election ID card and the Aadhaar card. Will be needed when transferring assets to your heirs.
2) Insurance details
The purpose of life insurance will be defeated if your family is in the dark. Make a list of all the policies, mentioning the name of insurers, policy numbers, insured sums and the tenures.
3) Pension documents
If you have an NPS account, mention the account number and nomination details. Give the pension account number with your employer.
4) Property papers
All property-related documents sho uld be in one place. If the property is mortgaged, keep photocopies. Mention the loan account number and the latest outstanding amount. If property is insured, mention policy coverage.
5) Bank account details
Make a list of various bank accounts, giving the name of the bank, the account number, holding pattern and the nomination details.
6) Bank locker details
Mention the name of bank, locker number, ownership pattern and whereabouts of the key. Maintain an inventory of items kept in the locker and update every time you operate it.
7) Demat account details
Give the name of depository partner, demat account number and nomination details. If possible, update the details of the securities in the demat account.
8) Other investments
Give details of the PPF account and folio numbers of other post office investments. Make a list of mutual fund investments, mentioning folio numbers, ownership pattern and nomination details.
9) Loans and Receivables
If you have taken or given private loans to relatives or friends, mention the amount and the date by when these are payable/receivable.
10) Online 10 passwords
Though these are to be kept secret, keep a list for emergency reference. Mention the website, the online ID and the password.
Keep this in mind
This information is to be kept secret and accessed only if the main breadwinner of the family has either died or is in a medical emergency.
Make sure to update the information regularly. How often you do this depends on your convenience and the changes in investments.
The information listed above is very basic. you may want to add more details of other assets along the same lines.
You may want to make an online version of this information as well, but make sure it is on a secure site.
When we got our final high school certificates from CBSE in 1979, our subjects were listed on it and the division (of passing) also mentioned. Did we get detailed mark sheets as well for the higher sec exam from CBSE? I don’t think so but please confirm. I think the final certificate with subjects and division was all we got. Pls jog your memories, confirm or correct me.
Thank you !
Malati Lal (Rao)
State of J&K Under India ( Area wise 101380 sq Km) Excluding POK._
_*Kashmir : 15%*_
_*Jammu : 26%*_
_*Ladakh : 59%*_
*85,000 sq Km comprising 85% area are not Muslim Majority.*
_Population – 1.25 Crores_
*Kashmir : 69 Lakhs.* _(Only 55 Lakhs speak Kashmiri. Rest 13 lakhs speak Non kashmiri languages.)_
*Jammu : 53 Lakhs.*
_(Dogri, Punjabi, Hindi)_
*Ladakh : 03 Lakhs.* _(Ladakhi language)_
_This does not include 7.5 lakh people settled who do not have citizenship._
There are 22 districts in J&K. Out of which *only 5 Districts where separatists have the say ;*
_Srinagar, Anantnag, Baramullah, Kulgam and Pulwama._
*Other 17 districts are Pro India.*
_So separatist’s writ runs in just 15% of the population which are Sunni Muslim dominated._
_Interestingly these 5 districts are far away from Pakistan Border/LOC._
*There are more than fourteen major Religious/ ethinic groups comprising 85% of the population of J&K who are Pro India.*
_Dogras: (Rajputs, Brahmins Mahajans);_
_Buddhists ( Ladakhis );_
_Christians many more._
*Majority of the people in J&K do not speak Kashmiri as their mother tongue. It’s Dogri, Gujjari, Punjabi, Ladhaki , Pahari etc.*
_Only 33 % people in Kashmir speak Kashmiri this group controls narrative from Hurriyat to militants and from NC and PDP._
_This 33% controls *business, bureaucracy agriculture*. This sunni 33% is opposed to India although population of all other muslims in JK is 69 %._
*Shias (12%), Gujjars Muslims (14%), Pahadi Muslims ( 8%), Buddhists , Pandits, Sufis, Christians and Jammu Hindus/ Dogras ( aprox 45%) are totally opposed to separatism and Pakistan.*
_Stone pelting , Hoisting of Pakistani flags Anti India demonstrations are held in just 5 Districts in Kashmir valley._
*Other 17 districts have never participated in such activities.*
*Poonch and Kargil have above 90% Muslim population. There has never been an Anti India or separatist protest in these districts.*
_It is only the_ *Anti National Media and other Anti India forces* _who with their own nefarious designs have_ *created an impression that "WHOLE J&K" is against India.*
_*Whereas the truth is that just 15% of the Population comprising Sunni Muslims inhabitating 5 Districts of Kashmir province are fanning the separatist activities.*
परोपकाराय फलन्ति वृक्षा: परोपकाराय वहन्ति नद्यः।
परोपकाराय दुहन्ति गावः परोपकाराय इदं शरीरम्।
( hari krishnamurthy K. HARIHARAN)"” When people hurt you Over and Over think of them as Sand paper.They Scratch & hurt you, but in the end you are polished and they are finished. ”"Keep away from people who try to belittle your ambitions. Small people always do that, but the really great ones make you feel that you too, can become great."- Mark Twain.
யாம் பெற்ற இன்பம் பெருக வையகம்
பெற்றதாய்தனை மகமறந்தாலும் பிள்ளையைப் பெறுந்தாய் மறந்தாலும்
உற்ற தேகத்தை உயிர்ம றந்தாலும் உயிரை மேவிய உடல் மறந்தாலும்
கற்றநெஞ்சம் கலைமறந்தாலும் கண்கள்நின் றிமைப்பது மறந்தாலும்
நற்றவத்தவர் உள்ளிருந்தோங்கும் நமச்சிவாயத்தை நான்மற வேனே.
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