Saturday, May 9, 2015

VenuG Presents: What is Jan Suraksha? The Biggest Mass Insurance Scheme on Earth.

Day before Yesterday my watchman Chandrashekhar
Rang the bell at 9PM Twice. 
Normally no one rings the bell twice at my home.
I got up & opened the door.
He gave me this invitation card. 

The invitation was from Department of Financial Services.(DFS)
The person inviting was Dr Hasmukh Adhia, Secretary, DFS, government of India.
DFS is the umbrella organisation under Ministry of Finance, which handles all financial services, Banks, Insurance, Mutual Funds, NBFCs, MFIs, Financial Inclusion, Pension Schemes, RBI, IRDA, Ombudsman, PFRDA & Digital India.
Here is their address & website. 
Note: They are taking interns. Apply through the website.

Following is the programme.

Well, I was surprised as the recipient of the invitation.
The names on the list further shocked me. To be honest, I am a resources provider, not directly involved in selling & marketing of financial services. I'm out of operation, initially forced out, then myself kept away, as a) I had to concentrate on my kids, b) I was more into self actualisation stage on the motivation theory step ladder. I wanted to concentrate my 11 years of active service, with SynducateBank, (between 2009-2020 ages 49-60 in promoting what my educators, gurus, bank & society had given me. It was l
Payback time folks.
I needed to give back to society, bank, my junior colleagues. I reinvented myself consciously in 2009 as a mentor, educator, trainer, mental coach. There are people, who do it for money, I do it for free. 
I'm a sucker for underdogs, poor, inclusive growth, ethical financial products.

2 The Programme was introduction & launch of insurance (2) & pension schemes.(FINANCIAL INCLUSION)
3 Of all the places, the schemes were being launched in Kolkata(NOT DELHI, THE SEAT OF POWER, MUMBAI, FINANCIAL CAPITAL OF INDIA)
4 The invitees, hold your breath, Shri Narendra Modi, The Honourable Prime Minister of India. Shri Keshari Nath Tripathi, Governor West Bengal Ms Mamata Banerjee, Chief Banerjee, (Mrs?? Is she married? Well I thought she was single. She refused to marry for politics AFAIK.
Read here
1 bio
2 A Yahoo Answer pointed question
Is Mamata Banerjee Married?
3 Wikipedia (Normally it mentions marital status & children ALWAYS)

Shri Jayant Sinha, Minister for state for Finance & Babul Supriyo, MP.

A the 4 indicate, the need for popularising the scheme, there are reasons why I must.

A) Insurance penetration in India is 3.9%, and it came down from 6.4% in 2006 to 3.6% in 2013.
B) These Life/Accident insurance & Pension Schemes come cheap.
C) To get the insurance activated needs a bank account & single form.

D) Almost all Indian households have one bank account.
Hence India could have universal insurance &,pension, meaning fully social security compliant state. For this, I'm thankful to Mr Modi for the push &,Bankers in India for working effortlessly for 100% financial inclusion.
Number of insurance policy holders. 4.2 Crores.
Number of pensioners 2Crores 2.6 Crores
Number of Bank Accounts 84 Crores
So with this we can achieve a lot.
Q1 Why is Jan Suraksha trending on twitter? 

Ans: Jan Suraksha is Public Safety is trending on Twitter because, PM Narendra Modi, is launching 3 new social security schemes, Pradhan Mantri Suraksha Bima Yojana(PMSBY) An accident insurance scheme, Atal Pension Yojana (A universal old age pension scheme) & Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY) a life insurance scheme.

Q: What is PMSBY?

And: PMSBY is a bank account like linked cheap accident insurance scheme.
Age : 18-70
Premium: Rs12/- per annum 1st June-31st May every year.
Need A KYC compliant bank account.
Key factor Aadhar Card.
Benefits. On Death Rs2Lakhs
On losing both limbs/eyes Rs2Lakhs
On losing one eye/limb Ts1Lakhs. 
Insurance Firm LIC.

Q: What is PMJJBY
Ans: PMJJBY is a bank account like linked cheap life insurance scheme.
Age : 18-50
Premium: Rs330/- per annum 1st August-31st July every year.
Need A KYC compliant bank account.
Key factor Aadhar Card.
Benefits. On Death Rs2Lakhs
last premium up to 50 th Birthday. Cover up to Age 55.
Insurance Firm LIC.

Q:  What is APY?(Atal Pension Yojana) 
And: APY is a universal contributory pension scheme
Age of entry. 18-40
Age of Exit 60
Pension: Between Rs1000-5000 depending on the contribution.
Pension after 60th Birthday Till death. After death, to spouse of pensioner, after death of spouse of pensioner, corpus reverts to the nominee & pension is stopped. 
The chart of premium 

The full details of scheme above please.

Rider: If you have an active credit card, insurance policy, the Rs12 accident policy is redundant for you as, you already are covered under accident insurance by credit card or insurance firm. But the APY & PMJJY are relevant to all and all MUST avail it.

  • At Age of 20, paying Rs248/month for 40 years, you get a pension of Rs5000/pm from LIC. After your death your spouse gets it. After both die your next of kin get the corpus back. Great scheme. Easily explained pay Rs6000 for 40 years i.e. Rs240000 you get Rs5000/pm 10% of 240000 monthly is Rs2000. 

Saturday 9th May, 2015. 

The scheme details in one picture.

And this is me!
Bye bye. ��

Thursday, April 23, 2015

VenuG Presents: Shrill voices agains Internet.Org & Airtel Zero is not about commerce but my Fundamsntal Right of Freedom of Choice, Speech, _Employment & Information Source!!!

I wrote a post " Importance of Dr B R Ambedkar on #NetNeutrality here (on 14-04-2015 124th Birth Anniversary. )
Meanwhile Mr Rahul Khullar, The TRAI chief, gave a statement(which seemed strange, illogical & uncalled for. He could give his Personal POV if he was an individual, but he is the chief of regulatory so, he must be impartial never sound biased towards one side.
Read his full statement here.
Also Anjan Ray, Facebook friend of Madhavan Narayanan of The Hindustan Times, posted his response to TRAI 20 questions. IMHO, all the responses by Mr Ray's were heavily loaded in favour of Telecom Service Providers(TSPs) to me he sounded like a PR personell acting on behalf of Cellular Operators Association of India (COAI)
Hence my knee jerk reaction was instant. Following are my "verbatim" responses on the thread. You may read the thread,
A) To understand what TRAI was asking.
B) Mr Anjan Ray's very knowledgable & learned response(NO DOUBT ABOUT IT, HE KNOWS THE SUBJECT)
C) It is my view, that 50% of the responses to TRAI query was given by people,
I) without knowing the subject, but following the herd mentality of the #NetNeutrality hashtag.
II) They had no idea whatsoever, as to what the 20 responses made by the site ""
III) They simply used the template responses used by the website favouring net neutrality cited in II above.
IV) I too used the templates, but after reading them, and since I am a strong supporter of net neutrality, I did not edit the template, as I felt, no editing was needed.
V) I was also following the nationwide debate on net neutrality in the nation, on print & television media, as well as social media, through @nixxin @maheshmurthy s updates. Both Mahesh Murthy(Pinstorm & Seedfund) & Nikhil Pahwa(Medianama) are staunch supporters of freedom of internet & they fought the draconian Section 66A too. Mahesh, had stuck his neck out, during the arrest of Mumbai Teenager, in the aftermath of Demise of The Shiv Sena Supremo Balasaheb(Bal) Thackrey, when the girl objected to the Sena activists, forcibly asking shopkeepers to down shutters. I myself had asked Mahesh to mellow down his tone,
It is like Inox telling me, watch Bhadakti Jawani or Fast & Furious. Not Byomkesh Bakshy! Regulating single screens & freeing Multiplexes. This is encroachment upon freedom of choice. Mr Ray the fight on #NetNeutrality is not about commerce but Fundamental Rights of Freedom of Choice can't you get it Sir?

My two bits on the above views

Mr Ray I am a very active influencer.
My 2 bits.
A) India is lowest ARPU yes.
B) But so was Spectrum cheap.
C) I am a distraught Airtel consumer.
4 mobiles with, wife, daughter, son(Network dies does NOT work inside home. Complained on 4/3/2015 no remedy I am ATM typing this on the street on sick leave.. Shifting to idea today for voice/data.
 1 Airtel broadband Shifting horribly expensive at 2000/pm horrible network. Customer care don't care. Shifting to Alliance Cable Broadband. Today.
D) I started at ₹98/2Gb/30 days in 2009. in 2012 it went up to ₹198/2Gb/28 days. Now it is ₹252/2Gb/28 days.
Speed has gone from bad to worse. Network does not work inside home. All people say "Aapka phone out of service area batata hai"
E) In all this Rahul Khullar is khullam khulla batting/pimping for telcos!! Want "informed debate" over "shrill voices"My Foot. Till you put "kathi do" no Not in Nizam's Kathi Rolls but you know where, corporate entities take the consumers for a royal ride. I fight/rant I win almost daily.
F) I am suing Bharti Airtel no not in consumer forum but Supreme Court. Habeas Corpus Fundamental right of freedom of speech, information & denial of service. Hold your breath For Rs1Crore.
This shall be Kesavanand Bharati Case in class action suit giving financial compensation & damages for mental agony & causing stress.
G) In all this din & melee no one Talks of Indian bandwidth being slowest on Planet Earth even Sub Saharan Africa has faster information highways. India has also highest density of population per Gigabyte spectrum. I.E. more people on network per terabyte specturn. It is like DND Flyover choc-a-bloc bumper to bumper traffic. Totally jammed
 See the nescafe ad showing YouTube buffer

This happens only in India. We are docile.
OTT regulation is reneging on Fundamental Right to work & gainful employment. 30% App development comes from India! & Airtel Zero impede them!
I pay data charges. Whether I watch Sunny Leone porn on Xvideos or Download Game of Thrones or flirt with an American on Skype or Send troll face pictures to Narendra Modi on Hike, or share jokes on RaGa on WatsApp is my right.
Here are KRAs
1 DoT
Auction spectrum.
2 TRAI regulate telecoms.
3 Telcos Provide free access @ contracted price. Market forces determine the data/voice/VoIP rates . if they increase they lose consumers. Much like Gold/Crude/Stocks/GSecs/iPhone!. The access after taking charges prepaid/postpaid must be unregulated & free. What consumer does with those minutes/gigabytes is consumers choice. NOT TSPs!!!!
4 Consumers pay contracted data/voice/VoIP charges and get free access to services.
5 Activists on social media. Fight on every breach of freedom of choice of telecom users on social media as MSM is sold out to advertisers
6 Security Agencies under Ministry of Home Affairs. Keep a tab on unscrupulous netizens.

Sunday, April 19, 2015

VenuG Presents: Best Braodband Plans IN KOLKATA Cheap, Gast, FUP, Wiredline, Wireless

Reliance(great 12mbps)
Airtel Great serviuces but very exhorbitantly priced)(
Wireless Tikona(Rain Affected)
Mid rtange
Alliance Cable(Rain affected)

Cheapest wireless Tikonma Rs750
Best cheap and fastest Reliance 12mbps at Rs999
Costliest Airtel.
Download delight
Prefferred  Rs750 1mbps night 1pm-9am 4mbps peering(for d/l torrent movies 25mbps)
(1mbps means on 1:10 ratio you get 100mbps constant speed)
Premium Rs1050 1.5mbps night 1pm-9am 6mbps peering(for d/l torrent movies 35mbps)
(1.5mbps means on 1:10 ratio you get 150mbps constant speed)
Natty Netters
Excecutive Plus Rs699 800kbps night 1pm-9am 3mbps peering(for d/l torrent movies 20mbps)
(1mbps means on 1:10 ratio you get 100mbps constant speed)
I have read that the services of alliance depends on local cable operator and during rains the services fail without any remedy as the cables are underground
plans HERE

Reliance Wireline Internet
Rs 899or is it 999??  4mbps upto 20Gb thereafter  1mbps)
Rs1099 4mbps unlimited
Rs 999 or is it 1099???  12Mbps upto 25Gb thereafter 1Mbps
plans HERE

Look at the contention ratio IN HSPBS RATIO IS 1.1:1.4 MEANS INSTEAD OF 100MBPS 140MBPS
Reliance Confusion on Plan Rates above & below
plans HERE

plans HERE choose fast/faster/fastest tabs(chose region as Kolkata & city as Kolkata)



Tikona wireless hence
DTH Dish ki tarah bearish mein band
This happens to be the only comparison post available online for Kolkata

VenuG Presents: Geek Stuff Which Gadget to buy in Aapril 2015.Router, Hard Disk, Media Streamer, Digital Camera

 I wrote this blog on 16th April, 2015, as a part research to buy

1. A Hard drive, which could be accessed from anywhere, by logging into it, which worked as a cloud sharing storage device, as well as a media sharing device, on WI-fi inside your home.
2. AWi-fi router. Read the blog and note below why THIS BLOG!
3. A media streaming device(Roku 3/WD TV/Chromecast) why Roku 3 HERE
4. A Digital Camera, with video recording capability, with online update possibility with which, you could instantly update your pictures, on Facebook/Twitter/Tumblr/Picassa/Flickr/Instagram and videos on YouTube/Vimeo/Soundcloud 
The plan was
1 Our Phones (4 in number, 1 Android, ! Windows, 1 Symbian, 1 iPhone) 4 Nos
2 Media streamer Roku 3 1 Nos
3 Desktop 1 Nos(Son) 1 Nos
4  Macbook Pro (Daughter) 1 Nos
5 Laptop(mine_ 1 Nos
Total 8 Nos(- Roku which connects to TV HDMI port) so 1 guest free
Connect streamer/tv/5.1 sound/ Cloud Storage/systems)

1 Wi-fi
2 Cloud storage
3 Media Streamer (Only & ONLY  Roku 3 for its wide media coverage crhomecast & wd suck on that amazon fire is great for books+games not tv/movies/cable)
4 Netwoprk and a really fast Broadband internet connection 8Mbps & above) Tikona fails 


In the hurry I committed a blunder, by buying D-Link AC750 Dual Band Wireless Router from Reliance Digital in a hurry at Rs 2,599.00 here instead of online HERE at Rs 1810(1719 now) I was in a hurry to get a new broadband connection( VenuG Presents: Which Broadband connection in Kolkata, will satisfy your kid who is a gamer? HERE ) for my geek gamer son Dhruv, who was highly dissatisfied with our Airtel Broadband which IMHO was highly exorbitant and slow for the price paid by us. Rs2000 a month!!! I am not dissatisfied for the price paid, but for what I saw on the back of the box. Which in the hurry I had not read. The capability of sharing HD stream does not exist(you cannot peer share bur access web separately(Say I am streaming Game of Thrones from  Netflix, on my television, using Roku3, my son cannot share and watch the same stream, on his desktop,or my daughter on here iPhone or Macbook Pro) Though they can sit next to me and watch it. Here are those AC 802.1 Routers which can do this(SHARE STREAMING HD). D-Link AC1750 CAN DO THIS!!! 
So I decided  

So router D-Link AC 750 DIR813BOUGHT
Digital Media Streaming device Roku 3 decided
Now for the 5.1 Media Player it is a tie between iBall Dhwani & Intex IT-4850(prefer iBall Dhwani mentioned in the blog linked in the beginning & this philips one SPA 4500 Bluetooth enabled speakers(for blue tooth(shall decide after physical research in offline store) HERE

Now for whether I must go for Seagate Central or not?

Let us see...
1 Chipchick dotcom review ( is unsecure ) read bottom comment Update
Means roku not required? 

 2 Alternatives to cloud storage Transporter 2.0 ? NEVER HEARD OF IT Thnaks ft dot com
3. Transporter 2.0 product details 

4. cnet dot com reveiw speaks badly though what if it crashes? what about security? HERE 


6  Seagate price in Reliance digital Rs 10,999 here 

7 Seagate Central online in India 9085 COD ON AMAZON HERE
Seems like Transporter is not available in India see here or compare in comparable products
Western Digital MyBook is cheaper but you cannot access files over  the internet but inside the Wifi area of coverage inside your house/office.

 Now for the camere

1 Best Camera with still video + online update facility here 
2best camera rated here 
3how to use a camcorder here 
4 the camera with whichyou can upload to YouTube  111

Thursday, April 16, 2015

VenuG Presents: Seagate Central, D Link AC 750 WiFi Router, 5.1 Sound System, WDTV Live Streaming Device

Lowest Price$116.99

  • Pros
    Easy setup and configuration. Excellent Read/Write performance. Great remote-access service. Integrates with Facebook; other media devices
  • Cons Runs a little warm. Highest storage capacity capped at 4TB. No granular user control over Facebook integration. Some performance lag within the interface.
  • Bottom Line
    Seagate Central is a near-perfect NAS for home users: It's easy to set up and delivers business-class performance, but its storage is capped at 4TB.

    The Seagate Central$116.99 at Amazon is an impressive NAS device (Network Attached Storage) targeted at home users. This attractive, yet simply-designed piece of hardware provides easy sharing of photos, videos, music, and documents between multiple users within a home network or even outside of the home—whether on a PC, Mac, or smartphone. A bonus is that it's designed to work as a whole-home central media library for sharing and accessing data from game consoles, Smart TVs, and Blu-ray discs.

      A true multimedia device, the Seagate Central is perfect for the starring role at the center of a home network. Not only is this NAS easy for home users to set up and manage, but it also offers business-class performance. My only real disappointment is that the highest capacity available for it is only 4TB. Today's home users amass such huge amounts of data; some will undoubtedly be left wanting more capacity—especially given how much they will enjoy using the Seagate Central. 
    pc world review here,2817,2424411,00.asp
    endgadget review
    seagate review HERE

    HARDDISKS EXTERNAL WD SG ETC Mysmartprice dot mcom prices HERE 


    WD My Book Essential 3.5 Inch USB 3.0 3 TB External Hard Disk REVIEW HERE


    1 more Roku 3 vs Apple Tv vs Chromecast 1 more reason for Roku DLNA HERE
    buy ruku in india HERE ON AMAZON Rs 8950 buy the hdmi stick if your budget is 5000( please spare rs 3000 extra ok?)
  • roku ius best
  • why roku
  • roku2
  • speakers top 10
  • reconnect speaker
  • routers
    a) seagate central share online COD FROM AMAZON 
    B) 5.1 SPEAKERS RELIANCE DIGITAL 4000.(4999*20%-) hell NOOOOOOOOOOOOOOO ITS JUST A SINGLE SPEAKER SHYAH (Placed a Philips 5.1 tag near the reconnect speaker at Rs4999/ with 20% discount WHO WOULD BUY SINGLE SPEAKEWR FOR Rs4000? I won't!!! NEVVERR!!! LIARS
    Here is a top ten of 2013 ==================>>>
    Intex IT-4850 for Rs4913 HERE