GOOD CHARITABLE EYECARE HOSPITAL IN INDIA

SRI SHANKARADEVA NETRALAYA, GUWAHATI
www.ssnguwahati.org



This is one of the best eyecare hospitals in India. It is also involved in R&D activities. And the most notable factor is that it is a charitable hospital so it provides services at extremely nominal prices(poor people can afford it).


My brother got treatment from Shakanradeva Netralaya. They have excellent facilities at subsidized rates.

Sinus problem and nasal congestion allergy in winter and polluted areas

I used to suffer from nasal congestion due to allergy in winter due to cough. And in monsoon my situation gets worst due to allergy. Polluted areas also troubled me a lot. I took lot of medicines but nothing provided me relief.

But now I have got 80 percent relief after taking the following medicines.
Divya Lakshmivilas ras
Divya Sanjeevani vati

Note: Consult a ayurvedic physician before taking these medicines.

For more information watch the following video. I got reference of these medicines from this video.

 

Important information related to stock market frauds

If you have invested in equities then you should receive this mail every month provided you have done transactions in the previous month otherwise you will receive mail half yearly in your registered mail account.

If you are not getting every month the mail from the email mentioned below then your broker is a fraud and he is getting your shares added up in his own account. I have mentioned about it in my previous posts.

From

email address NSDL-CAS@nsdl.co.in

NSDL is the depository for the equity market in India.

Note: Whenever you open an account with any broker(security services) check whether you are receiving this mail or not. This mail is coming from this current month ie. August 4th 2016. 

 It also contains the details about your holdings for previous month in pdf format. The pdf file asks for your PAN no as password.

It also gives the name/names of all the brokers you have registered to. eg if you have registered to ICICI security services and HDFC securities then the pdf file contains the details of the same.

If you are not receiving this mail with all your data of equity shares you are holding + the names of all brokers you have registered to then you are in danger of losing your money.

Dear Investor,

 

Greetings from NSDL.

 

We are pleased to bring you NSDL Consolidated Account Statement (NSDL CAS). NSDL CAS is a single statement of all your investments in the securities market. All your investments in equity shares, preference shares, mutual funds, bonds, debentures, securitised instruments, government securities (other than held in SGL), commercial paper and certificates of deposit are included in this Consolidated Account Statement. It includes all investments held in single or joint names with you as the sole/first holder.

 

As part of our endeavour to enhance investor experience, we have also included insurance policies held by you in your e-Insurance Account (eIA) with NSDL National Insurance Repository (NIR), along with your other financial assets in your NSDL CAS to get a consolidated view of your investments and insurance.

 

We are sure that you will find NSDL CAS very useful. It offers you unparalleled convenience in keeping track of your investment portfolio. You can easily monitor the investments you hold, their value and portfolio composition. It will help you in developing strategy to manage your investments better. Further, we intend to bring you more features and services in the future. Please visit https://nsdlcas.nsdl.com for more information. We welcome your feedback and suggestions on this initiative of NSDL.

 

How to Open?

 

Your NSDL CAS for July 2016 in PDF format is attached. It is digitally signed and password protected.

 

The password to open the file is sole/first holder Permanent Account Number (PAN) in capital letters. The last four characters of sole/first holder PAN are **********. In case you have any difficulty in opening the attachment, please contact us.

 

You should normally be having PDF reader software already installed on your device. If not, please visit 'http://get.adobe.com/reader' to download a free version.

 

Is NSDL CAS going to your Spam / Junk folder?

 

Depending on your personal spam filter settings, it is possible that your NSDL CAS may be directed to your junk folder rather than your inbox. In order to avoid the same, you may:

 

• Add our sender email viz.,NSDL-CAS@nsdl.co.in to the list of your contacts.
• Gmail/Inbox users, please move one of our emails from Promotions tab to Primary tab.

 

How to contact us?

 

In case of any difficulty or discrepancy in the statement, please contact us. You can contact us on Toll-free number 1800222990 or email to NSDL-CAScomplaints@nsdl.co.in.

 

We also welcome your feedback and suggestions. Please email to NSDL-CASfeedback@nsdl.co.in.

 

Yours truly,

 

NSDL CAS Team

 

Disclaimer: The information contained herein is confidential and is intended solely for the addressee(s). If you have erroneously received this message, please immediately delete it and notify at NSDL-CASfeedback@nsdl.co.in. You must not directly or indirectly, use, disclose, distribute, print, or copy any part of this message.

 

How to save yourself from hefty medical charges by hospitals

All of us know that private hospitals sometimes charges unusually high amount for treatment. One of my colleagues had serious abdomen problem. He went for a leave and went to the most renouned hospital in India for treatment(it is in Tamil Nadu). I am intentionally not writing the hospital name. Doctor told him surgery is required and cost is around sixty thousand rupees. For verification he went to another Gastroentologist who gave him medicines of around Rs 4000 and now he is all right.

All doctors in no 1 hospital in India are not the best.  

I am providing you the list of best doctors in India whom our family have personally visited. They have already got so much money that they hardly bother about cheap tricks to make money. Just you have to pay consultation fees of Rs 1000-2000. Everyday they get lot of international patients.

1. Dr S.K Sama(Padma Shri, Served as President's Personal Doctor, Father of Gastroentology in India) Sir Gangaram Hospital, Delhi. 
          One of my friends elder brother had fat allergy. After 5-6 years of treatment by Dr Sama he is all right.

2. Dr Dr. Rakesh K. Khazanchi Division of Plastic, Aesthetic and Reconstructive Surgery, Medanta Hospital Gurgaon( He was the Secretary General of 15th World Congress of the International Confederation for Plastic, Reconstructive and Aesthetic Surgery (IPRAS 2009). He has undertaken twenty-two research projects, published more than 60 papers in national and international journals, contributed 4 chapters in textbooks and edited and authored a book on Plastic Surgery for General Surgeons.):

My brother had a serious accident. He got his operation successfully done by him.

A 5-6 years old child had serious injury due to which 5 fingers got separated from the hand. He fixed all the fingers and now she is all right.(Times of India report). His charges are high for surgical cases. But it is better to take his second opinion if you have any doubt.

3. Dr H.S Chhabra(http://bioasia.in/speaker-profile/pdf/2010/h-s-chhabra.pdf)Indian Spinal Injuries centre. For his biodata visit the link.

My father got his treatment done by him. He gives an honest review.


To be continued.....

Information for people suffering from scitica and other nerve disorders

My father is a patient of scitica and slip disc. He feels numbness and severe pain in his legs. He went to the best spine surgeon in India. But he was not getting good results. Doctor advised that surgery is risky. He advised him to take 7 lyrica ( pregbalin ) per day in case of severe pain but it gave him little relief.

There is an ayurvedic medicine called Divya Vishtindukadi Vati of patanjali ayurveda. It gave him lot of relief in just two days. It gives quick results if you chew the medicines. For dosage and other information consult an ayurvedic physician.

The medicine is also very cheap. Rs 40 for 80 tablets.

Check the following link

Divya vishtintukadi vati

Note: Consult a ayurvedic physician before taking medicines. 

Fraud job mail

Few months back my father received a fraud job mail. It was one of the most intelligent forgery issue we have encountered in our life. My father have retired from a reputed oil sector in senior position. He applied for jobs in job online job portals. After 2-3 months of application my father received a mail that you have a job offer from Connals Oil Ltd, UK. You will get a salary of 14000-18000 pounds(more than 1 crore INR). Free education for children and complete medical insurance. But they asked a fees of Rs 4700 for legal issues. Just go to this following link to visit the company website(now this website is blocked as lot of people have reported it as scam):

http://www.connalsoil.co.uk

We received this mail around 8-12 months back. The website was extremely nice like any good company and they also had a link which was showing its price in stock market. But when I clicked that link it was showing stock market price of  jkx oil and gas company. 

Secondly the company had no wikipedia link. All good listed companies have wikipedia link.

When I tried to find the company name in Google map, no such company existed in UK. 

Thus we concluded that it is a forged mail. 

It took nearly 2-3 days of work to make out that it is a forged mail.

Note: Companies never ask for money from the new joiners. If there is any monetary issue it is settled from the first month salary of the employee.

Real estate frauds and the preventive measures

Everybody needs a house. We invest a large chunk of our capital in getting a house. But what will happen if we are cheated. In this post I am going to discuss about these issues and the countermeasures.

In the last two decades the real estate business have grown exponentially. The builders started more construction than their capacity. If a company can build 100 flats it started to construct 1000 flats in the hope that as one by one their flats will be occupied they will use the capital to complete their project. But after 2014 real estate business rapidly faced steep slowdown due to steep fall in demands. This happened because the number of constructions are much higher than demand and secondly cost of flats have gone very high. As a result most of the construction work halted. Just move in NCR you can see vivid examples. These companies have became bankrupt as they have invested their entire capital in the business.

Now to sell off their incomplete flats they are giving lucrative offers like no maintenance charges for 1-2 years, free split AC in 1-3 rooms, book your flat in just Rs 25000.

Should we buy those flats?
No, there was a long discussion on this issue in news channels and they gave their feedback based on these points:
1. Since these companies are bankrupt they are not in  a position to  complete the flats in next 50 years.
2. Generally a flat is only given to customer when it is completely ready  like complete water supply, electricity, maintenance etc. But these companies are finding it difficult to even sell their flats so how they will complete their construction.eg JP group could not complete their construction because they could hardly sell around 25-33% of their flats(Times of India report). 
3. Indian Judicial system will take a long time to provide the customers their rights.

What is the solution?  
Only buy ready to occupy flats. You can also buy second hand flats. Due to more supply the house rent in our locality of 1500 sq ft houses have gone down from Rs 14500 per month to Rs 9000 per month. And the cost of flats have also gone down. So if you do a little bit of research you can get ready to occupy flats at reasonable price. Just contact a professional property dealer he can help you.

Roberry during ATM money withdrawl

This incidence took place few days back in our locality in Ghaziabad. A person went to ATM in the early morning to avoid day crowd. He withdrew Rs 20,000 cash and when he came out from the ATM, peeper spray was sprayed in his eyes and 2 persons snatched the cash from him.

In Delhi-NCR a large crowd stands in queue for ATM service. That's why many of us choose odd hours to withdraw our cash. But sometimes it can be risky.

So always encash your money from ATM during normal working hours.

Fraud phone call to create a kidnap scenario to extract money

Amit(name changed) received a phone call from his telecom service provider that his 4G facility is going to be updated so he should switch off his mobile phone for 1 hour. Amit works in IT sector. He kept the phone switched off for some time. But, he felt something is fishy he immediately switched on the mobile phone. Within few minutes he received a call from his father. His father was tensed. He informed that they received a call that Amit has been kidnapped and they also asked for ransom. His father was going to pay the money for Amit's safety. But as Amit picked the call on time they came out from the plot safely.

Telecom operators never ask to switch off mobile, our bank details, our personal details.

Frauds in stock brokerage firms and preventive measures

Money is the most important thing in this mortal world. All of us wants our money to in safe hands. That's why we keep our money in banks. And we also invest in share markets. For this we need an account (demat account) with brokerage firm.

Many scams have taken place in the recent past in which big brokerage firms were involved. In this post I will tell you how to check genuine brokerage firms.

1. Go to this link of SEBI to find out the registered stock brokers.
        http://www.sebi.gov.in/sebiweb/home/detail/4980/new/Registered-Stock-Brokers-in-equity-segment

2. This is important because there were 100's of brokers in India who have been blacklisted.Unicon securities, NS Broking, Kalyan securities and many more. Read the following circular from NSE to learn more
https://www1.nseindia.com/content/circulars/INVG31764.pdf.

If I will write all of them then this whole page will be filled up. Some of them cheated the clients, some of them have done tax frauds etc. And the most important thing general public could not get back their money from these brokerage firms. Means lakhs of people lost crores of money. And the most serious problem is that these companies were also SEBI registered because without registration a brokerage firm cannot work. Thus you are not safe even if you are opening an account with registed stock brokers as listed in point 1.

3. How these frauds are done: Whenever you open an account with brokerage firm a Unique client code(UCC) is linked to your PAN card. For more details go to this link:
https://www.nseindia.com/invest/content/inve_rights_ob.htm 

In the above link you will also find your rights as an investor.

This UCC number is just like your bank account number. Read these SEBI guidelines in the following link:
http://www.sebi.gov.in/circulars/2001/CIR392001.html 

UCC is 10 charecters length.

UNCON securities which is one of the blacklisted brokerage firms sold off all the shares of the shareholders in their accounts and took away all their money. It was a scam of 100 crore rupees. This was possible only because he got all the shares of the shareholders linked with his own UCC number. Means the cleints were not alotted their UCC number or they we assigned some false UCC number.

4. The major problem is that most of the brokerage firms gives you a false number when you ask them for UCC number from their helpdesk. And they also send forged mails from NSE as there is a directive from NSE that all the clients should receive mails about their daily transactions. But there is a good new you can verify your UCC number. 

5. Steps to verify your UCC number.
     Go to the following link:
       https://www.nseindia.com/tv 

The following page will be displayed:

 
In the bottom of the page sign up button is visible click that. Now you will be redirected to the following page:

 

 Just fill this form. Put the exact PAN no because your PAN no is linked to your UCC no. Now click submit.

Now the following page is displayed:

 

In client code enter your UCC and in Member name write the name of the broker you are registered to eg. ICICI securities ltd, HDFC securities ltd. Now click submit. If your UCC number is correct then it will be accepted otherwise a message will come that your PAN code, client code and member name combination is not valid. If this happens then you may be in trouble any time. If you have UCC number then NSE will pay you 15 lacks in case of any loss of trade related data. 

Many of the brokerage firms in India donot give proper UCC number to their customers. I have an account with the most popular discounted brokerage firm in India. They could not provide me my authentic  UCC number. So I decided to to close my account with them. When I asked them for UCC number they got panicked and the same day they send me a lot of mails pretending as mails from nse transactions. DP number is not UCC number. Your user-id or client -id provided by brokerage firm is not UCC number. I have an account with ICICI securities ltd. Their UCC number is authentic. All the prestigious banks like SBI, ICICI, HDFC will provide you with UCC number. If you donot believe me just check the links I have referred in this page. These links are the official links of NSE india and SEBI. People are running after cheap brokerage firms. But they donot understand the risks.

How these fraud brokerage firms create my tax statements? 
These brokerage firms belongs to influential people who have good links. So they manipulate the data according to their need. eg all of us need a demat account for share trading but the people who have lot of black money they donot have a demat account but still they trade in share market. In fact most of the money in share market is black money. 

The banks charge very high brokerage what to do? 
They have cheap brokerage plans which you can buy at a very reasonable price. But they will not be as cheap as some other brokerage service providers. But atleast your money is in safe hands. Go for those brokers whose banks are interlinked to the demat account. It is safe.