Sunday, July 13, 2014

SWAVALAMBAN PENSION YOJNA - NATIONAL PENSION SCHEME

Swavalamban Pension Yojana


NATIONAL PENSION SYSTEM



NPS Swavalamban

NATIONAL PENSION SYSTEM

NPS Swavalamban - Making pension possible for small investors


National Pension System (NPS) is an initiative of Pension Fund Regulatory and Development Authority (PFRDA), the apex body established by Government of India to regulate and develop the pension sector in India. NPS has been extended to all citizens of India with effect from 1st May 2009. To extend the coverage of NPS to the weaker and economically disadvantaged sections of the society with their limited investment potential, PFRDA has launched NPS- Swavalamban which specifically targets the marginal investors and promotes small savings during their productive life. It aims at building up a corpus sufficient enough to buy an annuity for their old age.

2.         "NPS-Swavalamban Model" is designed to ensure ultra-low administrative and transactional costs, so as to make such small investments viable. NPS-Swavalamban works on a "group" model. It also aims at harnessing the outreach and capacity of the Government operated schemes, NGOs, MFIs, NBFCs etc. in targeting and servicing the old age savings needs of low income workers. Each eligible group or “Aggregator” in NPS Swavalamban model will be responsible for grass-root level enrolments, ongoing collection, re-conciliation and transfer of individual contributions as well as for ongoing services and information delivery.

3.         “Swavalamban Scheme**” of Govt of India, which grants an incentive of Rs 1000 to all eligible NPS accounts shall be available to all NPS Lite accounts as well, if they meet the prescribed criteria.
Distinguishing Features of NPS Swavalamban:
Ø      Focussed- For economically disadvantaged sections of the society and marginal investors
Ø      Voluntary - Open to eligible* citizens of India, in the age group of 18–60 years. Subscriber is free to choose the amount he/she wants to invest every year.
Ø      Simple – Eligible individuals in the unorganized work force can open an account through their Aggregator and get an Individual subscriber (NPS – Swavalamban) Account.
Ø      Safe - Regulated by PFRDA, with transparent investment norms and regular monitoring and performance review of fund managers by NPS Trust.
Ø      Economical – Ultra-low cost structure with no minimum amount required per annum or per contribution.
Ø      Portable – Subscriber can operate account from anywhere in the country, even with change of location, employment or Aggregator.

*For eligibility and other conditions of NPS Swavalamban, please refer to Regulations on NPS Lite and other information given below.
** Eligibility and other conditions for “Swavalamban Scheme” have been laid down in the Operating Guidelines of Swavalamban Scheme issued by Deptt. of Financial Services, Govt of India vide their letter no. 13/10/2006-PR dated 21st June 2010.



See this microfilm for further understanding this pension yojana:

www.youtube.com/watch?v=jl-r6dRiFFw


“Following the announcement in the Union Budget 2010, Union Finance Minister Shri 
Pranab Mukherjee inaugurated “ Swavalamban”, a Pension Scheme for the 
unorganized Sector on 26th September,2010 at Raghunathganj under the Jangipur Sub 
Division of Murshidabad District and distributed PRAN Cards to a few beneficiaries.”
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One can read details about PFRDA through this link:
http://pfrda.org.in/writereaddata/linkimages/PFRDA%20Act%2020132326723328.pdf

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National Pension System – Retirement Plan for All

Saturday, June 28, 2014

MOTIVATIONAL THOUGHTS BY GREAT PERSONALITIES










Photo: Become the most positive, enthusiastic and determined person you know.Photo: Believe that you Can and you Will.
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Photo: It's not what happens to you that matters. It's how you respond to what happens to you that makes a difference.
Photo: "The greatest source of happiness is the ability to be grateful at all times."- Zig Ziglar

Photo: If you want to feel rich just count all the things you have that money can't buy.
more at Tom ZiglarPhoto: "When you put faith hope and love together you can raise positive kids in a negative world."- Zig #ZiglarPhoto: Trust is the byproduct of integrity.
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more at Tom ZiglarPhoto: There will be haters, there will be doubters, there will be Non-Believers and then there will be You...proving them wrong!







Thursday, February 6, 2014

FLP'S BEE PRODUCTS (Products related with Top Class pure Honey)

FLP offers you remarkable line of 100% Natural Bee Products. Our Bee Hives are located in an ideal environment - the high mountains of Spain - where the pristine environment eliminates contaminants such as pesticides and pollutants.  We use state-of-the-art, specially designed equipment to gather and preserve the ingredients in the conditions nature intended.  All of our bee products are natural and nutritionally rich, from the hives directly to you, just as honeybees have been making them for thousands of years.  

The products of the hive which include royal jelly, bee pollen, and bee propolis, have been valued for their health benefits for thousands of years.  Bee products are known for their natural 'cleansing' and healing properties.  Recently, modern scientific researchers seem to have realized that Bee products might hold many benefits to our general health and well being.  Natural bee products are powerful, safe and have a wide range of health benefits which is why they have now been branded amongst the Superfoods.  A Superfood is a rare occurrence in nature.  It is when a food source is produced which is highly concentrated with a complex supply of quality nutrients.

We often enjoy a product so much that we seldom think about the tremendous care that goes into making it!  Such is the case of Forever Living Products' exceptional line of products from the beehive. Each bottle of Bee Pollen, Bee Propolis and Royal Jelly is formulated, mixed , tableted and stored here, prior tobeing shipped to FLP offices in the United States and around the world.  There are 7 products in the Forever Bee Products Range that uses ingredients from the Bee Hive:  Forever Bee Honey, Forever Bee Pollen, Forever Royal Jelly, Forever Bee Propolis,  Aloe Propolis Creme, Recovering Night Creme and Forever Bright Toothgel.  



Forever Bee Honey
Throughout the ages, honey has been recognized as a premium natural food - a storehouse of nutritional goodness that is easily digested.  Honey contains many healthful substances including natural sugars (glucose, fructose and sucrose), and trace minerals, vitamins, enzymes, proteins, carbohydrates and vitamins A, B1, B2, B3, B5, B6, B12, biotin and Folic Acid.  Honey also contains Calcium, Copper, Iron, Manganese, Phosphorous, Potassium, Sulphur and Amino Acids including 8 essential ones.

Bees make honey by travelling from flower to flower, removing the rich nectar, storing it briefly to mix with their enzymes, and then depositing the honey in their hives.

Our exceptional source of honey is harvested in the unique, pollution-free environment of the high mountains of Spain by beekeepers that have painstakingly worked these hives for generations.  This exquisitely delicious honey has unusually high enzyme and mineral content, amongst the highest of all honeys in the world.  The colour of our new mountain honey is beautiful dark amber, due to its richness in minerals.

Forever Bee Honey is an all-natural, delicious sweetener loaded with nature's goodness.  Easily assimilated, Forever Bee Honey is a quick and nutritious energy source for any occasion.  

Suggested use: Can be eaten alone or as a natural food sweetener.

Useful tips:
  • Honey is high on natural predigested sugars.
  • Since it's a high energy food, it may prove extremely beneficial for athletes and sportsmen for quick spurts of energy.
  • It is a nutritive substitute for synthetic and artificial sweeteners.
  • To protect the nutritive value, Forever Honey is packaged in a 3 skin plastic bottle to reflect ultra violet rays that may diminish it's potency.


Forever Bee Pollen
Pollen is the fertilizing powder of flowers.  Bees gather and bring it back to their hives for food.  Without pollen, plants, trees and flowers could not exist; even humans depend on it.  Bee Pollen is known as the most natural and complete food - it is said that the human body can survive on Bee Pollen alone, with the addition of fibre and water.  The list of nutrients naturally occurring in Bee Pollen is a recipe for general well-being, vigour and good looks.  It also works as a natural defense against allergies, stimulating a positive immune response in addition to building up the system nutritionally.

Digesting Bee Pollen was a challenge as the tiny outer shells protect the pollen making it difficult for the digestive system to dissolve it.  The introduction of Forever Bee Pollen has changed all that. Forever Bee Pollen is finally milled making it possible for nearly everyone to eat, assimilate and absorb all the nutrients it has to offer.  The pollen is gathered in specially-designed stainless steel collectors, and is all-natural and contains no preservatives, artificial colours or flavors.  

Bee Pollen has been found to contain a wide spectrum of trace nutrients.  These include B-complex vitamins and vitamins C, D, E, K and Beta Carotene (vitamin A), plus numerous minerals, enzymes and coenzymes, plant-source fatty acids, carbohydrates, proteins, and amino acids - including 'essential' amino acids that the body cannot manufacture for itself.  This literally translates into super nutritional fortification for young, adults & ageing.

Suggested use:
  • Start with a 1/4 tablet and gradually increase intake to one tablet 3 times a day.  Consult your physician before taking this or any other dietary supplement.
  • Works best with Forever Nature-Min & Forever Kids.

  • Although Forever Bee Pollen acts like a desensitizer against allergies, few people may be over sensitive to pollen.  It's therefore important to begin by taking 1/4 tablet in the beginning and gradually increasing the intake.

  • Bee Pollen has been shown to have much more content of vit B6 Methionine Ratio than bananas, carrots and onions.
  • All processes of extractions are cruelty free.
Forever Bee Propolis

When we think of bees, honey and pollen are foremost in our thoughts.  Yet another important substance, propolis, is a sticky resin secreted by trees and collected by bees from our tree buds, sap flows or other botanical sources.  Honeybees collect and metabolize the propolis, then line their hives with it to protect the hive.

Propolis in the hive is also believed to reinforce the structural stability of the hive, reduce vibrations, make the hive more defensible by sealing alternate entrances and also prevent diseases and parasites from entering the hive.  If another insect enters the hive, it is promptly killed, if the body is too large to remove it is covered with propolis to keep its contaminants from harming the hive.  Propolis acts as a natural antibiotic, creating one of the most sterile environments in the animal kingdom.

Propolis contains vitamins, minerals, carbohydrates and enzymes.  It has properties that increase and strengthen our own body's natural resistance to disease by stimulating our body's immune system.  It has antiseptic, antibiotic, antibacterial, antiviral and antifungal properties.  It is known to be the most natural antibiotic - helping with rapid tissue healing and regeneration and prevents the onset of infection.  Fortified with Royal Jelly, Forever Bee Propolis is an excellent way to help support the body's natural defenses.  Forever Bee Propolis is gathered from pollution free, high desert regions.  To further assure purity, our own specially-designed Bee Propolis collectors are used.  Forever Bee Propolis is 100% natural with no added preservatives or artificial colours.  It is also an excellent natural food form,providing a wide array of useful elements to our body.  

Suggested Use:
One tablet, twice a day.  Consult your physician before taking this or any other dietary supplement.

In nut-shell:

  • It is known as one of nature's most powerful natural antibiotic.
  • All processes of extractions are cruelty free.
  • Helps make the interiors of the hive safer than the most sterilized operation theatres.
  • The various trace elements helps regulate body's natural defense mechanisms.
  • Safe for children as well as adults, however you must alter the serving as per requirement.

Forever Royal Jelly
Royal Jelly is a milky secretion derived from the pharyngeal glands of the honey bee.  This "super food" of the bees is specially blended with enzymes and fed to the Queen bee of the hive.  Known as the "Fountain of Youth" it is the exclusive food for the Queen bee through her highly productive life, enabling her to lay up to 3,000 eggs per day during her six-year life span.  It is the royal jelly that makes the Queen a Queen! This substance is so remarkable, that it transforms a common honeybee into a Queen bee - she is one and a half times larger in size that the worker bees, and extends her life span for five to seven years, whereas the worker bees live four to six weeks!

Royal Jelly contains trace quantities of vitamins A, C, D, and E and the B-complex vitamins including vitamin B5 (Pantothentic Acid).  It also contains nucleic acids for perfect cell regeneration; minerals, all 8 essential  amino acids plus 10 secondary amino acids.  Royal Jelly is taken extensively to promote energy and health, recognized for its ability to reduce stress levels, boosts the immune system, protection against common ailments and acts a a biocatalyst in cell regeneration process.  

The Forever Royal Jelly is gathered from dry, remote, high desert regions where pristine conditions provide the ideal environment for our beehives.  

Suggested use:
One tablet, twice a day.  Consult your physician before taking this or any other dietary supplement.

WORKS BEST WITH
Forever Aloe Berry Nectar, Forever Fields of Green & Forever Gin Chia.

In nut-shell:
  • It is a high energy food and may prove beneficial for sluggish metabolism.
  • It's natural composition ensures that it's absorbed easily and digested readily.
  • The presence of natural harmones may prove beneficial to help restore hormonal imbalances
  • Contains no preservatives, artificial colours or artificial flavors.
  • All process of extractions are cruelty free.
THOSE WHO WISH TO CONSUME ANY OF THE ABOVE ITEMS FOR THEIR BETTER HEALTH CAN AVAIL DISCOUNT BY REGISTERING FREE. THE PRODUCTS ARE AVAILABLE IN MORE THAN 100 COUNTRIES.  CONTACT: emmpee.jay@gmail.com


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INSURANCE REGULATORY DEVELOPMENT AUTHORITY (IRDA)

Insurance has a deep rooted history in India. In the writings of Ancient authors like Manu's Manusmrithi, Yagnavalkya's Dharmasastra and Kautilaya's Arthashastra we find it in a different way.  It has been mentioned that during the ancient days whenever there were calamities like floods, famines, epidemics, fires etc, then the rulers pooled up the resources and re-distributed the same to the public.  It can be considered as the Pre-cursor of the Insurance in India.  The basic purpose of insurance is to cover the risk of life or things of utility.