The intention of this blog is only to share the collections. Inadvertently if any file is under copyright, please intimate me so that it can be removed forthwith.

Tuesday, November 30, 2010

Concert - Chittoor Subramaniya Pillai

Chittoor Subramaniam Pillai was a renowned carnatic singer.[citation needed] A distinguished votary of laya, he had his initial training under his father, who was a violinist. By the age of seven, Subramanyam was well-versed in music. Later he came under the tutelage of Kanchipuram Naina Pillai. He had a bass voice, rich, resonant, that compelled attention. Pillai was versatile both as a performer and as a teacher. Among his hits are Ranidi (Manirangu), Kadalevadu (Narayanagowla) etc.

When the Music Academy conferred the birudu of Sangeetha Kalanidhi on Chittoor Subramania Pillai, T.T. Krishnamachari presided over the function. He said Chittoor Subramaniam was the last representative of the guru-sishya parampara. Chittoor was a replica of Naina Pillai both in physical form and style of rendition. The citation stated "gambheeryam" was the characteristic of Chittoor's style. Gambheeryam means grandeur. Chittoor's music was like a colossal structure with splendorous ornamentation.

Notable performance

Some time in 1955, Chittoor gave a performance at Vijayawada under the auspices of the local Kanaka Durga Kalasamithi. He was accompanied on the violin by M. Balamuralikrishna and the mridanga by Ram Mohan Rao. Because Balamurali was accompanying on the violin the atmosphere was tense from the beginning. Chittoor's music was also marked by tremendous vigour and velocity, not easy to cope with sometimes. That day Chittoor elaborated Nalinakanti and Ahiri as though they were Todi and Sankarabharanam. Dwaram Venkataswamy Naidu who was present was stunned. Balamurali played with absolute abandon.

  1. E Raamuni - Vakulabaranam 
  2. Maavalla kaadhammaa 
  3. Kulamulona 
  4. Sankari Amba 
  5. Bantureethi  
  6. Kaadhenavaadu 
  7. Yemikesithe 
  8. Marivere  
  9. Saravanabhava guruguhane 
  10. Jaavali 
  11. Thiruppugazh
What are some of your brave, beautiful, and brilliant ideas? How do you want to make things better for yourself, your loved ones, your community and the world? What would you do if you ran the world? 

Some ways to get better sleep

As an youngster, I had my fair share of sleepless nights. But as I matured (and learned from the adverse affects I suffered because of those late nights), I began to realize that at the core of a healthy, long life is good sleep. Surprisingly, what we hear about health usually revolves around exercise and nutrition; the truth about sleep—one of the most important factors to attaining vitality—is often left out of the mix.

Losing sleep is certainly not something to be taken lightly. An occasional night of tossing and turning is normal, but continued patterns of this behavior can cause real problems in your ability to function normally. Research shows that inadequate sleep can have disastrous effects on your weight loss efforts, impair your concentration, and even mimic the symptoms of impaired glucose tolerance (which can lead to diabetes and hypertension).

Your mood also suffers when you don’t get enough shut-eye, causing you to become disoriented on the job, fatigued behind the wheel of a car, or irritated at home. But more importantly, these mood swings can affect your relationships with others, and even lead to depression.

But the good news is that, starting tonight, you can improve the quality and quantity of your sleep. Here are 7 ways to get back on track. You’ll be sleeping like a baby in no time!

  1. Create the right environment. Get your body and mind in the habit of using your bedroom for sleeping. If you frequently sit in bed to pay your bills, do your homework, watch television, eat, talk on the phone, etc., your mind will expect that the bedroom is for daytime activities. Instead, create an environment that is suitable for sleeping. Equip your room with soft lighting, comfortable bedding, and relaxing music. Other tricks include turning the temperature down a few notches, and turning the clock away from your view. Recent studies reveal that watching your sleep time vanish into the morning hours only makes you more anxious and less able to fall asleep.

  2. Get yourself into a routine. This is especially hard for people with wavering, active schedules, like students and parents. On busy days, it is difficult—but crucial—to be firm with a routine. If you normally don't fall asleep until the wee hours of the morning, or if you don't have a sleep schedule at all, try going to bed a half an hour earlier each week, or set a time to get in bed and stick with it. Eventually your body will get used to going to sleep at that time and it will begin to come naturally.

  3. Limit food and beverage intake before bed. As you lie down to sleep, acids in the stomach level out, making heartburn and indigestion more likely to occur. Also, your metabolism increases slightly to digest food, which can also raise your energy level. Stop eating at least three hours before your scheduled bedtime. If you must snack on something, keep it small, and avoid high-fat foods, which take longer to digest.  Say no to stimulants like caffeine and nicotine, which can raise blood pressure and energy levels. Alcohol may be a depressant, but after its sedative effects wear off, your sleep patterns will suffer.

  4. Consider a natural approach. Certain herbal teas can help you relax and fall asleep. Chamomile is a popular herb that slows the nervous system and promotes relaxation, for example. As always, consult your health care provider, use herbs and other supplements only as directed, and make sure to read labels. Some herbs may react with certain types of medication or cause adverse effects in individuals with liver disease, Parkinson's disease, and pregnant or nursing women. Other liquids, such as a small glass of warm milk, may also help.

  5. Know when and how to nap. When energy levels drop around 3-5 p.m., most of us desire a little shut-eye. Napping is okay, as long as you do it wisely. Most sleep counselors recommend napping for no longer than 20 minutes. Exceeding 20 minutes could leave you feeling groggier and make it harder for you to fall asleep at bedtime. If you know you have to stay up late, or if you have an erratic sleep schedule (especially new moms), take a nap during the day. You’ll be more productive and in a better mood.

  6. Take control of your worries. Let’s face it—most of us lead very stressful lives. Stress, surprises, and changes can take a toll on your sleep habits. Schedule some downtime each day for meditative activities like stretching or a hot bath. Try to decrease your brain activity before bed by writing down your thoughts in a journal and closing the book on the day. If thinking keeps you up at night, get out of bed and try to be productive. Deal with those thoughts (pay the bill that you are worried about forgetting, make a to-do list, etc.) in a positive way, and come back to bed when you’re ready to sleep.

  7. Get a check-up. If you toss and turn most nights, it may be time to see a physician. You could be suffering from one or more sleep disorders, including insomnia and sleep apnea. The sooner you find out what's wrong, the sooner you can fix it. Sleep disorders are dangerous to your health, so if you suspect something is wrong, tend to it immediately.

Monday, November 29, 2010

Mom ! a job or more than being a mere mom

Calling all Women,  Are you just a Mom?
Oh, No, there must be something more than being a mere Mom!

A woman, renewing her driver's license at the County Clerk's office,
was asked by the woman recorder to state her occupation.
She hesitated, uncertain how to classify herself.
"What I mean is, " explained the recorder,
"do you have a job or are you just a ...?"
"Of course I have a job," snapped the woman.
"I'm a Mom."
"We don't list 'Mom' as an occupation,
'housewife' covers it,"
Said the recorder emphatically.

I forgot all about her story until one day I found myself
in the same situation, this time at our own Town Hall.

The Clerk was obviously a career woman, poised,
efficient, and possessed of a high sounding title like,
"Official Interrogator" or "Town Registrar."

"What is your occupation?" she probed..

What made me say it? I do not know.
The words simply popped out..
"I'm a Research Associate in the field of
Child Development and Human Relations."

The clerk paused, ball-point pen frozen in mid air and
looked up as though she had not heard right.
I repeated the title slowly emphasizing the most significant words.
Then I stared with wonder as my pronouncement was written,
in bold, black ink on the official questionnaire.

"Might I ask," said the clerk with new interest,
"just what you do in your field?"
Coolly, without any trace of fluster in my voice,
I heard myself reply,
"I have a continuing program of research,
(what mother doesn't)
In the laboratory and in the field,
(normally I would have said indoors and out).
I'm working for my Masters, (first the Lord and then the whole family)
and already have four credits (all daughters).
Of course, the job is one of the most demanding in the human ties,
(any mother care to disagree?)
and I often work 14 hours a day, (24 is more like it).
But the job is more challenging than most run-of-the-mill careers
and the rewards are more of a satisfaction rather than just money."

There was an increasing note of respect in the clerk's voice as she
completed the form, stood up, and personally ushered me to the door.

As I drove into our driveway, buoyed up by my glamorous new career,
I was greeted by my lab assistants -- ages 13, 7, and 3.
Upstairs I could hear our new experimental model,
(a 6 month old baby) in the child development program,
testing out a new vocal pattern.

I felt I had scored a beat on bureaucracy!

And I had gone on the official records as someone more
distinguished and indispensable to mankind than "just another Mom."

What a glorious career!
Especially when there's a title on the door.

Does this make grandmothers
"Senior Research associates in the field of Child Development and Human Relations"
And great grandmothers
"Executive Senior Research Associates?"
I think so!!!
I also think it makes Aunts
"Associate Research Assistants..."

Please let this read by another Mom,
And other friends you know.

Received from Murlidhar chaturvedi 
Blogger BALAJI K said...
A superb one! Even I used to think twice when I hear the term house-wife! In fact the mothers are 'working from home' and may be better termes as home-workers and that is the state of affairs. If a lady says she is not employed, she is unemployed and it ends at that! You have put it very nicely as "Research Associate in the field of Child Development and Human Relations". This is fantastic and is the perfect fact!
November 29, 2010 7:48 PM

Blogger sury said...
A housewife is nowadays described a homemaker in India. She is a designer,resource planner, strategist, executive as well as an auditor and a vigilance commissioner in her area of home affairs. Why u can't call her: Chief Secretary, Home Affairs. In a study I am told conducted a decade ago in USA, it was found that the financial value of a housewife is fourteen times that of her valuable husband. Incredible but true !!
December 2, 2010 8:21 AM

Ariyakkudi to Abhishek

Here are songs from stalwarts to current artists of various songs by Divine Trinity. It is a beautiful Kadhamba maalai like. Youngsters can find how our music is evolved in the past 100 and odd years.

  1. Gnaanamu saga - Ariyakkudi 
  2. Sri maha and Nijamarmam - Chembai and MMI 
  3. Hariharaputhram - M.S. S 
  4. Devi brova - K.V.N 
  5. Maha ganapathim - M.D.R 
  6. Saadinchane - G.N.B 
  7. Nee dhaya raadhaa - N.C.V 
  8. Ranga naayakam - D.K.P 
  9. Santhaana - Radha Jayalakshmi 
  10. Vallabha - Semmangudi 
  11. Aanandhaamrutha - M.L.V 
  12. Paahi raama - Musiri  
  13. Maayamma - D.K.J  
  14. Thiagarja - Balamurali 
  15. Kaadhana vaariki - Viswanatha Iyer 
  16. Cherarava - Alathur Bros 
  17. Dhinamani - Maharajapuram Santhanam 
  18. Ninnuvina - Vedavalli 
  19. Gurulekha - Madurai Somu 
  20. Evarani - S.G.Kittappa 
  21. Manavyaala - Seshagopalan 
  22. Ekaambaresa - O.S.T  
  23. Niravathisuga - Charumathi 
  24. Meevalla - T.V.S  
  25. Marukelara - Sudha  
  26. Swarajathi - T.M.Krishna 
  27. Enthamudhdho - Bombay Jayashri 
  28. Simhaasana - Sanjay 
  29. Swarajathi - Thodi - M.S.S and Semmangudi 
  30. Budhamaasrayami - S.Ramanathan 
  31. Sujana Jeevana - Nithyasri 
  32. Akhilaandeswari - S. Gaayathri
  33. Endaro and Anuraagamule - Higgins and Sowmya 
  34. Kamalaambaa - Priya sisters 
  35. Mundhu venu - Neiveli 
  36. Jagadaanandaka - M.S.S 
  37. Kaamakshi - begada - Vijay siva 
  38. Thalli Ninnu - Kalyanai - D.K.P 
  39. Vinanasakuni - Aruna Sairam 
  40. Swarajathi - Bhairavi- Balamurali 
  41. Dhayaraa nee - Mohanam - M.L.V 
  42. Sri lakshmi varaham - Sanjay 
  43. Okabaari - Kalavathi - Hyd. Bros 
  44. Sogasu chooda - Bombay Jayashri 
  45. Sri Kamalaamba - Sri - Balaji Shankar 
  46. Swaminatha - S.P. Ramh 
  47. Naadha dhanum - Priya sisters 
  48. Maaye - N.C.V 
  49. Nenarunchira - Hyd. Bros 
  50. Dhayaanidhe - Begada - Mani Krishnaswamy 
  51. Sree sathya - Sankaran Namboodhri 
  52. Dhudukugala - B.V.Raman & B. V. Lakshman 
  53. Ninnu vina - Radha jayalakshmi 
  54. Enthaveduko - T.K. Govinda Rao 
  55. Saketha niketha - R.K. srikantan 
  56. Sankari sankuru - M.L.V 
  57. Pantureethi - Chembai 
  58. Sri vidhya - Jaganmohni - R.Vedavalli 
  59. Narasimha - Bilahari  
  60. Maakelara - Sangeetha 
  61. Nee bhajana - Master Balamurali 
  62. Telisirama - T.N.S 
  63. Maamava meenaakshi - Sriram Parthasarathy 
  64. Vara naarada - Vidya bhushana 
  65. Paalinchu kamakshi - Bhushani Kalyanaraman
  66. Ekadhantham - M.L.V
  67. Naadhaloludai - P. Unnikrishnan 
  68. Sri Dhakshine - P.S. Narayanaswamy 
  69. Intha kann - Priya sisters 
  70. Durusuga - Balamurali 
  71. Chintaye - Vijay siva 
  72. Sobillu - Sriram Gangadharan 
  73. Kaanakaana ruchira - S.P. Ramh 
  74. Dharmasamvirdhini - Sumitra vasudev 
  75. Seethamma - S.Gaayathri 
  76. Padhavini - Mallaadi Bros 
  77. Tharunam eadhamma - D.K.J 
  78. Kalala nerchina - Thrisoor Ramachandran 
  79. Pariyaachagama - Vanaspathi - Maharajapuram Ramachandran 
  80. Sri venkatagiri - Balaji 
  81. Sri viswanatham - M.L.V 
  82. Ea Raamuni - Nithyashri 
  83. Govardhana - T.N.S  
  84. Raama kadhasudha - O.S. T 
  85. Sarasijanabha - Ariyakudi 
  86. Venugana - T.M. Krishna 
  87. Thulsammaa - Abhishek Raghuram 
  88. Paarvathi ninnu - Nithyashri 
  89. Manamuledha - Vijay siva 
  90. Kanakasaila - Balamurali 
  91. Anupama - Sangeetha Krishna 
  92. Sankara Abhirami - Balaji 
  93. Ksheera saagara - Bombay sisters 
  94. Nannu brova - Nagamani Srinath 
  95. Kaayaarohanesam - Rajkumar Bharathi 
  96. Evaroora - Ranjani Gayathri 
  97. Maamava Pattabhirama - Sikkil Gurucharan 
  98. Raksha ganapathim - R.Ganesh 
  99. Emani migula - Thodi - Gayathri venkatraghavan 
  100. Mangalam - Sowmya
In this collection I tried to avoid repeating the songs, but not the artists. To the songs repeated, I could not get the artists I left. I will be on the look out to fill this gap in the coming days. Readers are requested to point out the errors if any.
Anonymous Anonymous said...
Sir! can you pls zip it in single folder so that we can download it faster rather clicking every song individually?
November 29, 2010 6:53 PM Blogger hvaidya said... I am not posting them on zip folder because, all the readers may not like to download all the songs. I am giving the free choice to readers to choose the song of their liking. This is how most of the readers want.
November 29, 2010 10:26 PM
Blogger r b subramanian said...
Dear Sri Hariharan, Item No.6 is repeat of item No.5 and not as mentioned. Kindly check it up. Best Wishes r b s
November 29, 2010 7:24 PM Blogger hvaidya said... Dear Mr. RBS, I have corrected. Thanks once again for prompt intimation.
November 29, 2010 10:24 PM
Blogger Hemalatha said...
Dear Sir, Wonderful collection and so meticulously compiled and shared for all of us to enjoy and cherish. Thanks a lot. Regards
December 2, 2010 9:37 PM

    Sunday, November 28, 2010

    Concert - T.N. Krishnan (Violin)

    1. Varnam - Aabhogi  
    2. Vaathaapi - Hamsadhwani 
    3. Endharo - Sri 
    4. Paridhaanamichi - Bilahari 
    5. Saamaja vara - Hindolam 
    6. Nagumomu - Aabheri
    7. RTP - Kaapi  
    8. Raghuvamsa - Kadanakudhoogalam
    Personal responsibility is the root of all personal and professional success.

      Do you know - Jet lag ?

      After spending five days in London, I came to USA on 19th night and until yesterday my sleeping time was erratic. Even though I know about Jet lag and experienced it many times, I really wanted to know something more about it. Here is an explanation I read in the internet and that appears to be right to some extent, and may clear many of our doubts.

      What is JET LAG?

      On my current trip to USA, I have been experiencing two things like never before - some strange discomfort and often encountering the phrase JET LAG. The rest of the story is based on my (res)earch to know how these two things are connected.
      Jet lag also known as time zone change syndrome or desynchronosis is considered a sleep disorder that can affect everybody who travels across multiple time zones in airplanes. It happens due to de-synchronization between the body's internal time clock and local environmental cues. Our internal clock - also called circadian rhythm - which tells our body when it's time to be awake and when it's time to be asleep, is disrupted by jet lag. The more time zones crossed, the more likely we are to experience jet lag.Oxygen levels in an airplane cabin could also play a role in jet lag. As air pressure is relatively low in the airplane cabin, the amount of oxygen in the blood is reduced. A decrease in the quantity of oxygen can have an effect on physical and mental abilities, making us more sluggish, exhausted, and lacking in energy.

      The symptoms of jet lag can be quite varied, depending on the amount of time zone alteration. It could be - headaches, fatigue, irregular sleep patterns, insomnia, grogginess, irritability, mild depression, constipation, diarrhea, nausea, ear aches and swollen feet.

      Few simple yet interesting learning’s for me are:

       - The symptoms of jet lag are usually more obvious when someone travels east, rather than west. This is because the body finds it easier to adapt to a somewhat longer day (in the west) than a slightly shorter one (in the east).  Hence the condition is NOT associated to the distance of the flight, but to the trans-meridian (East-West) distance travelled. For example, a 10 hour flight from Europe to southern Africa does not cause jet lag, as travel is primarily north-south. A 5 hour flight from west to eastern coast of the United States may well result in jet lag.

      - Sunlight is a key factor on the internal clock. This is because the pineal gland, a part of the brain that influences circadian rhythms, reacts to varying levels of environmental light. Retina of the eye transmits the light-levels to brain which is then sent to pineal gland. At night, the pineal gland releases the sleep-promoting hormone melatonin which stops during the day. This means, one way to adjust to new time zone is by exposing oneself to daylight.

      Now who can get Jet-lagged? Anybody, regardless of frequency of travel and any age can build up this condition. However, it is more common in individuals over 50 years and is relatively rare in children.

      Any way we can prevent this annoying lag? Yes we can to some extent, through few precautions.
      1) General belief is that a drink will relax and make trip easy. Unfortunately, alcohol and jet lag do not mix.
      2) Drink plenty of fluids, try staying hydrated before and after your flight. And yes, the best fluid is water.
      3) Get some sleep. If it is night time at your destination while you are on your flight, try and get some sleep.
      4) Keep active. Walk around the cabin occasionally, and regularly stretch your arms and legs when you sit. 
      Another easy way is to adjust your watch so that it matches the time of your destination. This will help adjust more quickly to your new time zone.

      Saturday, November 27, 2010

      26/11 Mumbai terror

      Dan Reed’s ‘Terror in Mumbai’ is a jaw-dropping documentary on the 26/11 attacks that paralysed Mumbai and stunned the world. The film is narrated by Fareed Zakaria and includes the spine-chilling intercepted phone conversations between the terrorists in Mumbai and their handlers in Pakistan. It also includes CCTV footage from inside the Taj, police interrogation of the sole surviving terrorist – Ajmal Kasab, and never heard before accounts from several of the victims. After hearing the contents if you’re wondering why you haven’t seen this documentary on a TV channel or heard it being discussed in the media – then your guess is as good as mine.
      Sample this conversation between the terrorists and their controllers from the documentary:
      Controller: The captain of the boat…did you kill him?
      Terrorist: Yeah, we finished him off
      Controller: How?
      Terrorist: We slit his throat
      And that conversation is just the beginning of ‘Terror in Mumbai’, co-produced by Channel 4 and HBO. It has been telecast in the UK and the US and is widely available on the internet but has yet to see the day of light on Indian television.
      You can click here to watch the documentary ‘Terror in Mumbai’
      ‘Terror in Mumbai’ also makes it evident that the controllers in Pakistan were aided by live footage of the attacks that was being aired on all Indian news channels. It enabled them to follow minute-by-minute how their operations were being carried out and give updated instructions accordingly. All of this can be heard in the intercepted conversations that form the basis of ‘Terror in Mumbai’.
      Click here to read Dan Reed’s interview on ‘Terror in Mumbai’

      Friday, November 26, 2010

      Concert - Thiruvengadu Jayaraman

      Download TVJ 01 Vanajakshi - Kalyaani.mp3
      Download TVJ 02 Pranavakaram - Aarabhi.mp3
      Download TVJ 03 Karpooram naarumo - Poorvikalyani.mp3
      Download TVJ 04 Raagam aabhogi.mp3
      Download TVJ 05 Nannubrova - Aabhogi.mp3
      Download TVJ 06 Nannu brova (contd).mp3
      Download TVJ 07 - Yadhukulakambodhi.mp3
      Download TVJ 08 Diwakara thanujam.mp3
      Download TVJ 09 Marivere Dhikkevarayya - Shanmugapriya.mp3
      Download TVJ 10 Marivere ( contd).mp3
      Download TVJ 11 Sri Mathrubhootham.mp3
      Download TVJ 12 Viruththam fwd by Aanirai meikka - Kanada.mp3
      Download TVJ 13 Kilikkaanni and Mangalam.mp3

      Welcome ideas that are not your own. Be open to what others have to say without getting defensive. Make it okay for others to share their ideas — even if those ideas conflict with yours.
      Blogger bhama said...
      Dear Sir Stupendous service by you for the classical music world. Can you please post the mp3/wma version of these eongs? Eagrer to listen to kilikkanne - made famous by none other than Mali Thanks Sir Regards Srini Ram
      November 27, 2010 8:52 PM
      Blogger hvaidya said...
      Oh ! I am sorry Mr. Srini Ram ! Are you not able to listen to them? This is in wav format. You can convert them to mp3 by using altomp3, a software available free to download. Otherwise wait for a day or two I will convert them to mp3 and post again. Sorry for the inconvenience
      November 27, 2010 9:08 PM
      Blogger bhama said...
      Thank you very much Sir. I will wait for you to re-post them in Mp3 format. Best Regards Srini Ram
      November 28, 2010 4:01 PM

      Blogger bhama said...
      Sir Thank you very much for uploading MP3 version. Sorry for the troubles. Best Regards Srini Ram
      December 1, 2010 7:43 AM

      Do You Know ?


      Sony Corporation played this video at their executive conference this year..
      Caution: It may leave you a little breathless ----.

      sent by Mr. Bhaskaran sivaraman

      Some facts about "NOMINATION"

      Did you think that your nominee is the person, who will get all the money legally from your Life Insurance Policy and Mutual funds investments? Ha! That is exactly what you’d think if you aren’t aware of the legal aspects. We assume a lot of things which sounds like they’re obvious, but are not true from the legal point of view. Today, we’ll concentrate on nominations in financial products.
      For whom are we earning? For whom are we investing? Who, do we want to leave all our wealth to, in case something happens to us? It might be your children, your spouse, parents, siblings etc., or just a subset of these. You also might want to exclude some people from your list fo beneficiaries!. So you think you will nominate person X in your Insurance policy, and when you are dead and gone, all the money goes to person X and he/she becomes the sole owner? You’re wrong ! It doesn’t work that way. Let’s see how it actually does!

      What is a nominee ?

      According to law, a nominee is a trustee not the owner of the assets. In other words, he is only a caretaker of your assets. The nominee will only hold your money/asset as a trustee and will be legally bound to transfer it to the legal heirs. For most investments, a legal heir is entitled to the deceased’s assets. For instance, Section 39 of the Insurance Act says the appointed nominee will be paid, though he may not be the legal heir. The nominee, in turn, is supposed to hold the proceeds in trust and the legal heir can claim the money.

      A legal heir will be the one whose is mentioned in the will. However, if a will is not made, then the legal heirs of the assets are decided according to the succession laws, where the structure is predefined on who gets how much. For example, if a man during his lifetime executes a will. In the will, he mentions his wife and children as legal heirs, then after his death, his wife and children are the legal owners of his assets. It is essential that one needs to execute a will. It is the ultimate source of truth and replaces the succession law. Nominee can also be one of the legal heirs.

      • Mention the Full Name, Address, age, relationship to yourself of the nominee.
      • Do not write the nomination in favour of “wife” and “children” as a class. Give their specific names and particulars existing at that moment.
      • If the nominee is a minor, appoint a person who is a major as an appointee giving his full name, age, address and relationship to the nominee.

      Why is the concept of nominee ?

      So you might be wondering, if the nominee does not become the sole owner, why does such a concept of “nominee” exist at all? It’s pretty simple. When you die, you want to make sure that the Insurance company, Mutual fund or your shares should at least get out of the companies and go to someone you trust, and who can further help, in process of passing it to your legal heirs.
      Otherwise, if a person dies and hasn’t nominated anyone, your legal heirs will have to go through the process of producing all kind of certificates like death certificates, proof of relation etc., not to mention that the whole process is really cumbersome! (For each legal entity! The insurance company, the mutual funds, for the shares, for the real estate..) . So, to simplify, if a nominee exists, these hassles don’t happen, since the company is bound to transfer all your money or assets to the nominee.The company the goes out of scene & then, it’s between nominee and legal heirs.

      Example of Nomination

      Ajay was 58 years old who died recently in an accident. As his children were settled, he wanted to make sure that his wife is the sole owner of all the monetary assets. This includes his insurance policy and mutual funds. So during his lifetime, he nominated his wife as a nominee in his term insurance policy and mutual funds investments. However, after Ajay’s death things didn’t turn up the way he wanted. The reason being Ajay did not leave a will. Though his wife was the nominee in all his movable assets, as per the law, his wife, along with children, were the legal heirs and all of them had equal right to Ajay’s assets.

      One simple step which could have saved the situation was that Ajay should have made a will which clearly stated that only his wife was entitled to get all the money and not his children.

      Nomination in Life Insurance

      A policyholder can appoint multiple nominees and can also specify their shares in the policy proceeds. Nomination in life insurance has one limitation, as insurance policies are bought to secure your financial dependents, your first choice of nominee has to be your family members. In case you want to nominate a non-family member like a friend or third party, you will have to show/PROVE the insurance company that there is some insurable interest for the person. This happens because of a Clause called PRINCIPAL OF INSURABLE INTEREST in insurance. Note that provision of nomination in life insurance is related to Section 39 of the Insurance Act. Note that as per LIC website
      Nomination is a right conferred on the holder of a Policy of Life Assurance on his own life to appoint a person/s to receive policy moneys in the event of the policy becoming a claim by the assured’s death. The Nominee does not get any other benefit except to receive the policy moneys on the death of the Life Assured. A nomination may be changed or cancelled by the life assured whenever he likes without the consent of the Nominee.
      Make sure, you have a nominee for your policy for easy settlement of the claim, if you do not have any nominee mentioned in the policy, it can turn out to be a disaster for your dependents to get a claim.

      Nomination in Mutual funds

      In case of mutual funds, you can nominate up to three people, who can be registered at the time of purchasing the units. While filling in the application form, there is a provision to fill in the nomination details. Even a minor can be a nominee, provided the guardian is specified in the nomination form. You can also change nomination later by filling up a form which is available on the mutual fund company website. Nomination in mutual funds is at folio level and all units in the folio will be transferred to the nominee(s). If an investor makes a further investment in the same folio, the nomination is applicable to the new units also. A non-resident Indian can be a nominee, subject to the exchange control regulations in force from time to time.

      Nomination in Shares

      Quiz for you . Now you know what a nominee means and who actually gets the money. So if there is a husband H, with wife W and nephew N, and he has nominated his nephew N to be the nominee of his shares in demat account, who will have the legal right to own the shares after husband’s death? If you answer is wife, you are wrong in this case! In case of stocks, it does not work the usual way, if a will does not exist.

      In the verdict, Justice Roshan Dalvi struck down a petition filed by Harsha Nitin Kokate, who was seeking permission to sell some shares held by her late husband. The Court noted that as she was not the nominee, she had no ownership rights over the shares. Ms KokaThe’s lawyer had argued that as she was the heir of her husband who had died intestate (without a will), she should have ownership rights of the shares, and be able to do anything with them as she wished. In this case, Ms Kokate’s husband had nominated his nephew in favour of the shares. Justice Dalvi however noted that under the provisions of the Companies Act and the Depositories Act, Acts which govern the transfer of shares, the role of a nominee was different.

      “A reading of Section 109(A) of the Companies Act and 9.11 of the Depositories Act makes it abundantly clear that the intent of the nomination is to vest the property in the shares which includes the ownership rights thereunder in the nominee upon nomination validly made as per the procedure prescribed, as has been done in this case.”

      It means that if you have not written a will, anyone who has been nominated by you for your shares will be the ultimate owner of those stocks, The succession laws on inheritance will not be applicable but in case, you have made a will, that will be the source of truth.

      Nomination in PPF

      Let me give you some shock first. If you have Rs 10 lakh in your public provident fund (PPF) account and you have not nominated anyone for your PPF account, your legal heirs will get maximum of Rs1 lakh only! Yes, it’s so important to have a nominee, now you get it . You can nominate one or more persons as nominee in PPF. Form F can be used to change or cancel a nomination for PPF. Also note that you cannot nominate anyone if you open an account for a minor.

      Nomination in Saving/Current/FD/RD Account in Banks

      FD’s also come with nomination facility. While opening a new account, there is a column for nomination in the same form and you should fill it. You can nominate two persons with first and second option. Note that in case you have not done any nomination till now, you should request Form No DA-1 from your Bank which is used to assign a nominee in future. (Examples of ICICI Bank , HDFC Bank , Canara Bank) . In the same way to change/cancel the nomination you need to fill up Form no DA-2. Read about Corporate Fixed Deposits

      As per a famous case, A Bench of Justices Aftab Alam and R M Lodha in an order said that the money lying deposited in the account of the original depositor should be distributed among the claimants in accordance with the Succession Act of the respective community and the nominee cannot claim any absolute right over it.

      Section 45ZA(2)(Banking Regulation Act) merely put the nominee in the shoes of the depositor after his death and clothes him with the exclusive right to receive the money lying in the account.It gives him all the rights of the depositors so far as the depositors’s account is concerned. But it by no stretch of imagination make the nominee the owner of the money lying in the account,” the Bench observed.


      Now you know! Taking Personal finance for granted can be fatal Just investing knowledge, isn’t enough to have a great financial life. You also need to be well versed with basic legal aspects and make sure you carry out all due arrangement . Nomination is one important aspect you should seriously consider, when checking for the financial products you have bought or plan to buy in future. 

      It is important to make sure that your loved one’s do not face legal issues and only say and think lovely thoughts about you when you are not around, rather than crib & grumble

      Contributed by Mr. K. N. Ramesh

      Thursday, November 25, 2010

      A tribute to Smt. M. S. Subbulakshmi

      You can watch for more than an hour documentary of Late MSS here.
      Music lovers can enjoy with visual clippings (thanks to Bhaskaran Sivaraman)

      Blogger Hemalatha said...
      Dear Sir, The documentary is truly great. I downloaded it yesterday and enjoyed it. My friends wanted a copy of the same in wmv format and I have also converted the same and given to 5 of them. Now the blog will get 5 more members. Thanks to Bhaskaran Sir also. Regards
      November 26, 2010 11:31 PM
      Blogger BHASKARAN19 said...
      The pleasure is mine Ms Hemalatha, This blog should hit 250 before 31s Dec 10, that is my aim, I am very keen about it, Such a wonderful blog everyone shoud enjoy warm regards bhaskaran
      November 27, 2010 11:30 AM
      Blogger vaishnavi said...
      M.S really a god sent thanks for this video have converted this in my mobile phone...seeing it in it
      November 27, 2010 9:09 PM
      Blogger vaishnavi said...
      M.S is really a god sent...converted it in my cellphone....will watch and enjoy it
      November 27, 2010 9:10 PM
      Blogger Hemalatha said...
      A GREAT BLOG Indeed. How much short of 250 ? We shall ensure that we make it. Regards
      November 27, 2010 10:48 PM

      Concert - O.S.Arun (1999)

      1. Nera nammidhi - Kaanada 
      2. Ennaalu - Subapanthuvarali 
      3. Raama bhakthi - Sudhdhabangla 
      4. Akshayalinga - Sankarabaranam 
      5. aaj aayo shyam - Mohanam 
      6. Haridasanu vadale - Yamankalyaani 
      7. Sidhdhi vinayakam - Mohanakalyaani 
      8. Enneramum - Devagandaari 
      9. Marivere - Shamnugapriya 
      10. Sogasujooda - Kannadagowla 
      11. Soundararaajam - Brindhavan saaranga 
      12. Namo namo raaghavaiyah - Sindhubairavi 
      13. Antharanga saai
      In the final analysis, the only real cure for fear or worry is disciplined, purposeful action in the direction of your goals. Get so busy working on your goals 

        Wednesday, November 24, 2010

        Story of Appreciation

        One young academically excellent person went to apply for a managerial position in a big company. He passed the first interview, the director did the last interview, made the last decision. The director discovered from the CV that the youth's academic achievements were excellent all the way, from the secondary school until the postgraduate research, never had a year when he did not score.

        The director asked, "Did you obtain any scholarships in school?" the youth answered "none". The director asked, " Was it your father who paid for your school fees?" The youth answered, "My father passed away when I was one year old, it was my mother who paid for my school fees.

        The director asked, " Where did your mother work?" The youth answered, "My mother worked as clothes cleaner. The director requested the youth to show his hands. The youth showed a pair of hands that were smooth and perfect.

        The director asked, " Have you ever helped your mother wash the clothes before?" The youth answered, "Never, my mother always wanted me to study and read more books. Furthermore, my mother can wash clothes faster than me.

        The director said, "I have a request. When you go back today, go and clean your mother's hands, and then see me tomorrow morning.*

        The youth felt that his chance of landing the job was high. When he went back, he happily requested his mother to let him clean her hands.

        His mother felt strange, happy but with mixed feelings, she showed her hands to the kid. The youth cleaned his mother's hands slowly. His tear fell as he did that. It was the first time he noticed that his mother's hands were so wrinkled, and there were so many bruises in her hands. Some bruises were so painful that his mother shivered when they were cleaned with water. This was the first time the youth realized that it was this pair of hands that washed the clothes everyday to enable him to pay the school fee. The bruises in the mother's hands were the price that the mother had to pay for his graduation, academic excellence and his future. After finishing the cleaning of his mother hands, the youth quietly washed all the remaining clothes for his mother.

        That night, mother and son talked for a very long time.

        Next morning, the youth went to the director's office. The Director noticed the tears in the youth's eyes, asked: " Can you tell me what have you done and learned yesterday in your house?" The youth answered, " I cleaned my mother's hand, and also finished cleaning all the remaining clothes' The Director asked, " please tell me your feelings." 

        The youth said, Number 1, I know now what appreciation is. Without my Mother, there would not the successful me today.

        Number 2, by working together and helping my mother, only I now realize how difficult and tough it is to get something done. 

        Number 3, I have come to appreciate the importance and value of family relationship.

        The director said, "This is what I am looking for to be my manager. I want to recruit a person who can appreciate the help of others, a person who knows the sufferings of others to get things done, and a person who would not put money as his only goal in life. You are hired.

        Later on, this young person worked very hard, and received the respect of his subordinates. Every employee worked diligently and as a team.

        The company's performance improved tremendously. A child, who has been protected and habitually given whatever he wanted, would develop "entitlement mentality" and would always put himself first. He would be ignorant of his parent's efforts. When he starts work, he assumes that every person must listen to him, and when he becomes a manager, he would never know the sufferings of his employees and would always blame others. For this kind of people, who may be good academically, may be successful for a while, but eventually would not feel sense of achievement. He will grumble and be full of hatred and fight for more. If we are this kind of protective parents, are we really showing love or are we destroying the kid instead?*

        You can let your kid live in a big house, eat a good meal, learn piano, watch a big screen TV. But when you are cutting grass, please let them experience it. After a meal, let them wash their plates and bowls together with their brothers and sisters. It is not because you do not have money to hire a maid, but it is because you want to love them in a right way. You want them to understand, no matter how rich their parents are, one day their hair will grow gray, same as the mother of that young person. The most important thing is your kid learns how to appreciate the effort and experience the difficulty and learns the ability to work with others to get things done.
        sent by Mr. Muralidhar 
        Blogger VENKATARAMANI said...
        An excellent lesson to be followed by everybody especially by the younger generation.
        November 24, 2010 9:12 PM
        Anonymous suriyan M R said...
        this piece reminds me my father who was brought up by his widowed mother's hard work. As the last paragraph states he made us to do all domestic jobs at home and he himself was model for us in sharing the domestic and other works. this virtue helps me in my life and profession to feel the responsibility of life. A nice narration indeed!!! I thank you for this suriyan M R
        November 24, 2010 11:50 PM
        What a wonderful story, I sure had tears  and  thought of my mother.
        Thanks for sharing Mama.
        Lots of luv,
        Anonymous Anonymous said...
        Dear Sir Shri Vaithinathan Hariharan Namaskaram.I am greartly indebted to your esteemed self for providing me with keerthanais rendered by Carnatic stalwarts of old time. I am 58 years of age and I have an obsession of listening to songs that had great impact on me sung by particular musician. For example Enthavedukondu by V.V. Sadagopan. I even do not listen to any one rendering this song. That is my mind set. Through your esteemed self I am able to listen to particular songs by particular musician. I submit a request. "Nallothor Veenai Seithen" by Bharathi is an emotional packed song. Here you can find the righteous indignation, 'ROUDRAM', of Bharathi. This has been beautifully exposed by C.S.Jayaraman. He has rendered this song in the tune"Indru Poi Nalai Varai" of Sampoorna Ramayanam. If the song is available plese be kind enough to present it. I have the mail ID: After getting the nod from your esteemed self I may disturb you again by submitting some more songs of Bharathi rendered by S.Janaki. Thank you Sir, with warm regars ravi.
        November 30, 2010 10:25 PM
        Anonymous Anonymous said...
        Dear Sir Sri Vaithinathan Hariharan I was totally speechless when read my appeal in your columns. I am hapy taht my request has reached the perfect person. Through music one can transcend worldy affairs. Music develops Bhakthi and as far as I am concerned Bhakthi has more social impact than anythig.A true Bhaktha cannot harm or cannot disturb or cannot infringe on others rights and what not. Such a society will have fewer police stations and fewer courts.Prejudice and aimless mind set leads to terrorism and rivalry. This will not be there if the society develop piety. This can be achieved through music and in a nut shell thorugh your esteemed self. I am expecting the song of Bharathi that I wanted. "Ethanai Kodi Inbam Vaithai" is ful of Advaitham, making the Nature, the God. This is fully exposed only by Shrimati S.Janaki. Her singing is more than musical grammar.And another one by her,"Varuvai Varuvai Varuvai Kanna" is exceptinally emotional and par excellence. I have searching for these songs for more than 15 years, that were heard me through Radio,Local and Ceylon, nearly 30 years back. I hope these will be available at AIR and I am confident you can get them. Please excuse me if am disturbing you. More disturbances are to come and please bear with me.I feel sorry but I could not desist from the appeal as the songs are so close to my heart. Thank You, Sir, With warm regards ravi rrarinct
        December 6, 2010 4:45 PM

        Tuesday, November 23, 2010

        Concert - Madurai Somu (Ramanavami)

        1. Varnam - Dhevamanohari 
        2. Maha ganesham - Gopikathilakam 
        3. Neelakanta mahadeva - Kuvalayaabaranam 
        4. Raama nee pai - Kedhaaram 
        5. Guruleka - Gowrimanohari 
        6. Chakkani raaja - Karaharapriya 
        7. Thani 
        8. Sankaraparane - Raagamalika 
        9. Raama naamamu - Ataanaa 
        10. RTP - Kaambodhi 
        11. Maadu meikkum kanna - Desh 
        12. Viruththam - Raagamalika 
        13. Mangalam
        Anonymous Anonymous said...
        Sir, any idea what happened to site?
        November 24, 2010 1:42 AM

          Navagraha gaayathri

          If you are interested please read this also.

          Navagraha Homam

          This homam is done to worship the nine planets i.e. The Sun, The Moon, The Mars, The Mercury, The Jupiter, The Venus, The Saturn, The Rahu, and The Ketu. Every planet has its own importance.

          Sun is the king of planets, which gives health. Moon is the planet, which rules over mind and gives success. Mars is the planet, which gives prosperity and wealth. Mercury is the planet which gives knowledge, Jupiter gives education, Venus gives the knowledge of art, music etc. Saturn gives happiness. Rahu makes the life stronger. Ketu prospers the family. All these nine planets are important, so in order to worship them this homam is done.

          Bad times are attributed to the different Grahas (Planets) and their position in the current time. These Grahas can be appeased by performing the Grah shanti Puja. Navagraha homam is used to remove Doshas or reduce the effect by appeasing these planets. The navagraha plays a vital role in deciding ones day to day activities. If 4 or more of the planets are not well placed in ones natal chart, navagraha homam should be performed.It is also performed if Rahu(Ascending node) and Ketu(Descending node) are afflicted.
          Navagraha homam is performed if one has kalathra dosha or kala sarpha dosha.The dosha should be nullified in the natal chart to see improvements in marital life and career.

          The Nine "Grahas" or Planets in our horoscope control our karma, our desires and their outcomes. Each of these nine planets exerts an influence in our lives, which is called "dasa" and it can be known from one's horoscope. Navagraha Pooja is undertaken to reduce the negative effects and improve the positive energies related to a person. Navgraha Homam is an extremely useful & beneficial Homam, since it's worship strengthens benefic planets & increases their positive influence and pacifies malefic planets & neutralizes their negative effect. Navgraha Homam is recommended for all, particularly those planets are detrimental or malefic as per horoscope. Navgraha Homam shall be performed every year to ensure that you always get maximum advantage from your planets. The planets are to propitiate against their evil influences, to ward off them, the Navgraha Homam is done with faith to ward off all evils of planetary configuration.

          Customized Homam
          The Homam to be performed depends on the type of problems & the individual's Birth Chart, usually a Pundit is consulted for advice on the type of homams that are to be conducted. If you have any doubts please ask to our Pundits. A detailed analysis of your Horoscope chart, by our Pundits would suggest you the most suitable remedies or if to conduct special poojas for specific problems at specific temples, that would help you over come your problems and to obtain evident good results with the Power of Cosmic Energy.
          How Can I Get This Homam Performed?
          By analyzing your horoscope, our experienced Pundits can identify the reason for the problems and the ways to nullify the problems. Based on your Birth Chart and on the instructions given by our Pundit, selective Homams are performed by Our Experienced Priests. Our Priests has vast experience in the field of performing Homams & Poojas. They have sound knowledge on the various aspects of performing homams. The main aim of performing the Homams is to enrich positive energy of the ruling planets and to nullify the negative elements shown in the birth chart. It is also a form of remedial measure which has been followed from the ancient times. Homams and poojas performed for a particular deity by invoking Agni - the God of fire. It is said that when Lord Brahma (the creator among the Trinity) created man, he also created "Homam" for man's livelihood and his attainment of spiritual desires.

          Blogger Hemalatha said...
          Dear Sir, As usual, it is "Ask One and Get Two" ! Thanks a lot. Regards.
          November 23, 2010 10:23 PM